5 Best Small Towns in Florida to Retire

3. Crystal River

Insider Monkey Score: 92

Cost of Living Index: 87.8

Water & Air Index: 77

Livability Score: 65

A coastal town located in Western Florida, Crystal River is perhaps one of America’s most beautiful spots. Home to the Three Sisters Springs Wildlife Refuge, the Crystal River National Wildlife Refuge, and the Crystal River Archaeological State Park, this small town is a treasure trove for nature-loving retirees. The cost of living in Crystal River 12.2% lower than the national average.