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retire

Finding the Best Places to Retire Since 2006!

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Retire in Cedar Key, Florida?

Overview:  Tiny, quirky Cedar Key is a fishing village located on a small barrier island along Florida's northwest coast, about an hour south west of Gainesville. Off the beaten path, it is a place far from the hassles of modern life and has a seductively tropical, "ends of the earth" feeling about it.

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There are no fancy hotels, but tourists come to dine in some very good seafood restaurants, fish for black sea bass, dig for clams and spend time in the several refuges and state parks that are perfect for watching and photographing Florida's abundant wildlife. More than a few artists live here, too. The historic, weathered downtown, battered by more than one hurricane over the years, is lined with fun eateries, trinket shops, candy stores and the like. Flip flops and t-shirts are the attire of choice, and many an evening is spent drinking cold beers while while watching the sun set over the Gulf of Mexico. Police ride around in golf carts, and pelicans strut along the pier. There are several groceries, gas stations and banks.

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Residents and tourists alike enjoy the annual Seafood Festival, the Cedar Key Star Party and the Hidden Coast Paddle Event. The beach is small and quiet, and numerous homes and retailers are perched on stilts.

Population:  750 (city proper)

Percentage of Population Age 45 or Better:  66%

Cost of Living:  4% above the national average

Median Home Price: $195,000

Climate:  Summer high temperatures average in the mid-90s with high humidity and lots of precipitation.   Winters are mild with temperatures in the mid-70s. 

At Least One Hospital Accepts Medicare Patients?    No, but Osceloa Regional Medical Center, about 5 miles away, accepts Medicare patients.

At Least One Hospital Accredited by Joint Commission?     No, but Osceloa Regional Medical Center, about 5 miles away, is accredited.

Public Transit:   No

Crime Rate:   Below the the national average

Public Library:   Yes

Political Leanings:  Conservative

Is Florida Considered Tax Friendly for Retirement?   Yes

Cons:   Hurricanes will probably strike again in the future.

Notes:  Services and supplies beyond the basics are found in neighboring Homosassa, Chiefland or along State Route 24 outside of Gainesville. The town has had problems with salt water incursion into the drinking water supply and many homeowners have had to intall water purification systems. Racial diversity does not exist.

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Recommended as a Retirement Spot?    Yes

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Florida:

Named Pascua Florida by Juan Ponce De Leon, the Sunshine State did not enter the Union until March 3, 1845. Balmy mild winters began attracting snowbirds to the state in the late 19th century. Retirees continue to flock to the state. It's not hard to see why tourism has become the leading industry.

International trade and citrus are also major contributors to the state's economy. Eighty percent of the nation's oranges and grapefruits are grown here, and 40 percent of all U.S. exports to Latin America flow through Florida.

Florida's landscape includes uplands and coastal plains. It contains more than 11,000 miles of waterways and about 4,500 islands spread across 10 acres.

The state has 1,250 more golf courses than any other state in the Union. The 47 mile Pinellas Trail is the longest urban trail on the east coast. Orlando theme parks attract more visitors than any other theme parks in the U.S. The only place in the world where alligators and crocodiles co-exist is in National Everglades Park.

Florida, particularly the Keys and the Gulf Coast, was struck by Category 4 Hurricane Irma in early September, 2017. Towns will rebuild, perhaps this time with climate change in mind, making them safer and better equipped to handle major hurricanes going forward.

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Stats:

Population - 20,612,439 

Persons 65 years old and over - 20%

High school graduates, persons age 25+ - 87% 

Bachelor's degree or higher, persons age 25+ - 27% 

Persons of Hispanic or Latino origin - 24% 

White persons, not Hispanic - 58% 

Median household income - $47,525 

Median home value - $159,900 

Social Security taxed? No

Source: U.S. Census Bureau

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