Golf · Florida

Golf in Florida

What golf looks like for retirement in Florida: where to do it, what the state costs, and the towns that fit.

Golf in Florida

Florida has hundreds of public and semi-private golf courses, and dozens of 55+ communities built around golf, including Four Lakes Golf Club in Land O Lakes and Timber Greens in New Port Richey. Many courses offer reduced senior rates on weekday mornings.

55places: Best Golf Cart Communities in Florida

What Florida costs

Cost of living

103

BEA index, U.S. = 100

State income tax

None

Social Security

Not taxed

Full Florida retirement guide

How people start

  1. 1

    Map the public and municipal courses nearby

    Most metros list city-run courses with published fee schedules. Those set the affordable floor before any private club enters the picture.

  2. 2

    Ask about senior and resident rates

    Many courses post a reduced weekday senior rate and a season pass. The difference between pay-per-round and a pass is the number that usually drives the yearly cost.

  3. 3

    Price the season, not the round

    In warm states the season runs most of the year; in cold ones it is a few months. The yearly cost is rounds-per-year times rate, plus cart and equipment.

Towns in Florida

Where to do it, town by town.

Boca Raton

Boca Raton Golf and Racquet Club, a city-operated facility at 17751 Boca Club Blvd, offers resident annual memberships at $350 and is open daily from 7 a.m. to sunset. Palm Beach County also operates Osprey Point Golf Course and Southwinds Golf Course within a short drive, both public layouts with county resident pricing.

City of Boca Raton
Bonita Springs

Bonita Springs and the surrounding Lee County area host well over a dozen courses open to daily fee players, including Saltleaf Golf Preserve (23001 Coconut Point Resort Dr.), a Raymond Floyd-designed 18-hole championship course on the former Raptor Bay site that opened in 2024, and Bonita Fairways Golf Course (26740 Sammoset Way), a public 18-hole layout with rates from roughly $15 to $45. The Saltleaf complex also includes The Leaf, a 9-hole par-3 short course.

TeeOff / Saltleaf Golf Preserve
Boynton Beach

Boynton Beach sits within Palm Beach County's dense golf corridor, and Quail Ridge Country Club (4000 NW 25th Ave.) operates as a private member community nearby, while several semiprivate and daily-fee courses are accessible along State Road 7 and Military Trail. Palm Beach County Parks and Recreation maintains links between the county's public leisure facilities and regional golf offerings.

Palm Beach County Parks and Recreation
Cape Coral

Coral Oaks Golf Course (1800 NW 28th Ave.) is Cape Coral's primary public 18-hole facility, managed by the city and featuring a practice facility, driving range, PGA-professional instruction, and a clubhouse restaurant called Knickers Pub. The city also purchased a 175-acre abandoned former golf course site in 2024 and is developing a public parks master plan for the property.

Coral Oaks Golf Course
Clearwater

Clearwater Country Club operates as a semi-private Herbert Strong-designed 18-hole course built in 1920 in downtown Clearwater, supported by a driving range and practice putting green. The Visit St. Pete-Clearwater tourism site lists additional public and semi-private options throughout Pinellas County for varying budgets.

City of Clearwater
Delray Beach

The city-owned Delray Beach Golf Club, a Donald Ross-designed 18-hole par-72 municipal course at 2200 Highland Ave., has been named one of Golf Magazine's 100 Best Value Courses; the course was closed for renovations in 2025-26 and is scheduled to reopen in November 2026. Lakeview Golf Club at 1200 Dover Road is a second public 18-hole option managed by the same city concessionaire under AffordableGolf.com.

City of Delray Beach, FL -- Delray Beach Golf Club
Fort Myers

The City of Fort Myers owns and operates two 18-hole public courses, Fort Myers Country Club and Eastwood Golf Course (4600 Bruce Herd Lane), with PGA instructors on staff and a recently renovated driving range at Eastwood. Eagle Ridge Golf Club and Shell Point Golf Club (open to the public, near Sanibel Causeway) are among a dozen additional public-access courses in the greater Lee County area.

Visit Fort Myers -- Go for the Golf
Jacksonville

Northeast Florida's First Coast is home to more than 100 miles of coastal golf, with Bent Creek Golf Course hosting the Jacksonville Senior Games golf event and public options spread across Duval and surrounding counties. The city's Senior Games offers golf competition for adults 50 and older each fall.

Florida-Golf.org North Florida Courses
Lakeland

Cleveland Heights Golf Course, a city-owned facility celebrating its 100th anniversary in 2025, is Lakeland's flagship public course with senior and military weekday walking rates of $23 for 18 holes and $16 for 9 holes. Lakeland Golf Club also lists senior rates starting at $34 riding on weekdays.

Lakeland Golf Club Rates
Melbourne

The City of Melbourne operates two public courses: Crane Creek Reserve Golf Course at 475 W New Haven Ave and Harbor City Golf Course at 2750 Lake Washington Rd; 18-hole walking rates start at $27 with a 4 PM special all-you-can-walk round for $18. Brevard County also manages Spessard Holland Golf Course at Melbourne Beach and The Habitat at Valkaria, both operated as nonprofit public courses.

City of Melbourne Parks, Recreation and Golf
Miami

Miami-Dade County operates four 18-hole and two 9-hole public courses through its golf division; Palmetto Golf Course and Crandon Golf at Key Biscayne are the two flagship properties, with Patron membership cards available to residents that reduce per-round fees. Crandon was the site of the Senior PGA Tour for 18 consecutive years.

Miami-Dade County Golf
Naples

Naples is heavily oriented toward private and semi-private golf, with most courses requiring membership fees ranging from $100,000 to over $400,000; a handful of public options including Arrowhead Golf Course (239-596-1000) and Eagle Lakes Golf Club are available without memberships. A community-supported nonprofit called The Gate Golf Club is scheduled to open in late 2026 as Naples' first non-profit public golf destination.

Naples Golf Homes - Public Golf Courses
Palm Coast

Palm Harbor Golf Club at 20 Palm Harbor Drive is the city's municipal course, a daily-fee layout carved between palms and oaks that includes a driving range, putting green, and on-site restaurant; Palm Coast resident rates run lower than non-resident fees, and annual passes with a 10-percent discount are sold through the Parks and Recreation department.

City of Palm Coast
Port Charlotte

Charlotte County has multiple public and semi-private courses, including Deep Creek Golf Club and Kings Gate Golf Club, both in the Port Charlotte area. The county's parks system also lists several disc golf courses as alternatives for budget-conscious players.

Charlotte County, FL Community Services
Port St. Lucie

Port St. Lucie is home to the PGA Village complex, which includes three championship courses and the PGA Golf Club, open to the public. The City of Port St. Lucie's parks system also lists several municipal and semi-private courses within a short drive of major residential areas.

City of Port St. Lucie Parks and Recreation
Sarasota

Sarasota County's Bobby Jones Golf Club, a historic public facility on Circus Boulevard in the city of Sarasota, was redesigned by architects Kipp Schulties and reopened in 2020; the county also maintains several other public courses, and the Florida state park system includes courses at nearby facilities. Senior rates and discount rounds are available at multiple Sarasota-area public courses.

Sarasota County Parks, Recreation and Natural Resources
Spring Hill

Spring Hill is home to multiple public and semi-private golf courses within Hernando County, including Seven Hills Golf Club and links managed through Hernando County Parks and Recreation; the warm Gulf Coast climate extends playable seasons year-round, and several courses in the area advertise senior rate structures. The area's golf scene is noted on regional tourism platforms as a draw for active adult residents.

Visit Spring Hill Florida
Tampa

The City of Tampa owns three municipal golf courses (Babe Zaharias, Rogers Park, and Rocky Point) managed by the Tampa Sports Authority, which consistently prices green fees among the lowest in the region for both residents and visitors; Rogers Park Golf Course, built in 1952, is part of the Florida Historic Golf Trail. The courses are described as providing an excellent golfing experience at exceptional value, with programs for seniors, juniors, and veterans.

Tampa Sports Authority Golf Courses
The Villages

The Villages operates more than 50 Executive Golf courses where green fees are free for residents, with a paid trail pass required for golf-cart use; Championship courses add affordable per-round green fees, and a Super Seniors scramble rotates weekly across Turtle Mound, El Santiago, Churchill Greens, and Silver Lake executive courses for players 70 and up.

The Villages Golf Rates and Fees

Common questions

Is Florida a good place to retire for golf?

Florida has hundreds of public and semi-private golf courses, and dozens of 55+ communities built around golf, including Four Lakes Golf Club in Land O Lakes and Timber Greens in New Port Richey. Many courses offer reduced senior rates on weekday mornings. Towns like Boca Raton, Bonita Springs, Boynton Beach have their own local options.

What does it cost to retire in Florida?

Florida has a cost-of-living index near 103 (U.S. = 100), no state income tax, and does not tax Social Security. The full state guide breaks down property tax, sales tax, and long-term-care costs, each sourced.

Sources

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