6. Sun City Center (Sun City Center, Florida)

Located just south of Tampa, Sun City Center utilizes a unique fee structure that greatly benefits fixed-income buyers. Instead of a single, massive monthly bill, residents pay an annual master association fee and a per-person amenity fee.

Combined, a couple can expect to pay around $600 to $700 annually—equating to roughly $50 to $60 a month.

This unlocks a massive 43,000-square-foot clubhouse, indoor and outdoor swimming pools, specialized craft rooms, and a thriving golf cart culture where you can legally drive your cart to the local grocery store and medical offices.