This blog is for educational purposes only, not an offer of credit or advertisement for current loan terms. It does not provide legal advice. Refer to our loan web pages or consult professional advisors for specific information.
The Sunshine State is renowned for its sandy beaches, sunny weather, and vibrant communities. But beyond its tourist attractions, Florida can also be an excellent place to raise a family—provided you find the right neighborhood and the right county.
That brings up the next question: What are the best counties to raise a family in Florida?
In this article, we'll look at the best counties in Florida to raise a family in and provide insights on securing the right mortgage for your new home.
Start your application with MIDFLORIDA Credit Union.
Why should you move your family to Florida?
The Sunshine State offers a unique blend of lifestyle benefits that make it an appealing choice for families or those who are considering starting their family life in Florida.
Florida offers a great lifestyle with year-round outdoor activities, top-rated schools, and family-friendly amenities.
Its diverse economy offers job opportunities, and the no-state income tax is a financial benefit for families.
With top-tier schools, family-friendly amenities, and strong community ties, several counties in Florida stand out as ideal locations for families.
Best counties to raise a family in Florida
Once you decide to move your family to Florida, the second question is which area you should choose. We want to help you sift through these Florida gems to find the right one for you.
Let’s look at five of the best counties for raising a family in Florida.
1. Seminole County
Located just north of Orlando, Seminole County is widely regarded as one of the best places to raise a family in Florida.
- Schools: The county is known for its excellent public school system, which consistently ranks among the top in the state.
- Recreation: Seminole County also offers a wide range of recreational activities, including beautiful parks, nature trails, and lakes.
- Lifestyle: The community is family-friendly, with safe neighborhoods and a strong sense of community.
- Location: Seminole County also provides easy access to Orlando’s attractions, including theme parks and cultural venues, while maintaining a quieter, suburban atmosphere. This balance makes it a popular choice for families seeking convenience and a high quality of life.
2. Sarasota County
Sarasota County, located on Florida’s Gulf Coast, is another top choice for families.
- Recreation: Sarasota County boasts beautiful beaches like Siesta Beach and offers various outdoor activities, including water sports, hiking, and wildlife viewing.
- Schools: Education is a strong focus in Sarasota County, with highly rated public and private schools.
- Culture: The county also has several cultural institutions, including the famed Ringling Museum of Art and the Sarasota Opera, providing enriching experiences for children and adults.
The unique combination of natural beauty, educational opportunities, and cultural amenities makes Sarasota County an ideal place for families.
3. St. Johns County
St. Johns County, located in Northeast Florida, is known for its top-notch public schools, consistently ranked among the best in the state.
- Schools: The county’s commitment to education makes it a popular destination for families seeking quality children's education.
- Culture: In addition to its educational excellence, St. Johns County offers a high quality of life that combines historic charm and modern amenities.
- History: The county includes the historic city of St. Augustine, the oldest city in the United States, which offers a rich history and cultural heritage.
- Recreation: Families can enjoy exploring historic sites, museums, and the scenic coastline.
The combination of strong schools, historic character, and coastal living makes St. Johns County a great place to raise a family.
4. Collier County
Located in Southwest Florida, Collier County is known for its upscale communities, excellent schools, and abundant outdoor activities.
Recreation: The county is home to Naples, famous for its beautiful beaches, high-end shopping, and golf courses
Schools: Collier County offers a variety of family-friendly neighborhoods, with access to top-rated schools and safe, welcoming communities
Nature: People who love the outdoors will enjoy being close to the Everglades and many parks and natural areas
Collier County’s emphasis on safety, education, and quality of life makes it a popular choice for those looking to settle in a vibrant and supportive community.
5. Alachua County
Home to both Gainesville and the University of Florida, Alachua County provides a special mix of chances to learn, enjoy culture, and spend time outdoors.
The area’s affordable cost of living and emphasis on education make it an ideal choice for those seeking a family-friendly environment with plenty of opportunities for growth and enrichment.
How to get the right mortgage for your family in Florida
Once you’ve decided on the best county for your family, securing the right mortgage is the next step in making your move a reality. Here’s how to ensure you get the best mortgage for your needs.
Check your credit and debt
Before applying, it's important to look at your finances. This means checking your credit score, figuring out how much you owe compared to how much you earn, and understanding how much you can realistically spend on a home.
Gather necessary documents
When applying for a mortgage, you’ll need to provide various documents to the lender. These typically include proof of income, bank statements, identification, and information about any existing debts.
Having these documents ready will streamline the application process and help you get approved faster.
Pick your mortgage
Each mortgage type has pros and cons, so picking the one that fits your financial goals and situation is important.
For example, fixed-rate mortgage gives you steady monthly payments, while an adjustable-rate mortgage (ARM) can begin with a low rate but can change over time.
Get pre-approved
Mortgage preapproval can help you stand out when looking for a home to buy. A pre-approval letter tells sellers you're a serious buyer with the financing to close the deal. It also gives you a better idea of how much you can spend on a home.
Start your application with MIDFLORIDA
Once you’re ready to move forward, start your mortgage application with MIDFLORIDA. Get a range of mortgage products tailored to meet your needs so you can find the best option for your financial situation.
Best counties to raise a family in Florida: final thoughts
Florida offers many opportunities for families, with several counties standing out as ideal places to raise children.
Whether you’re drawn to the educational excellence of St. Johns County, the cultural richness of Sarasota County, or the natural beauty of Seminole County, there’s a perfect place in Florida for your family.
If you’re ready to move, securing the right mortgage with MIDFLORIDA is the first move you need to make.
Start your online application with MIDFLORIDA today. Take the first step towards locating your dream home in one of Florida’s best counties to raise a family.
