Of all the factors to consider when you retire, affordability is one of the most important. New survey data from 55places.com narrowed down the 20 most affordable retirement destinations in the county, and almost half are in Florida.

The cities were ranked based on a survey of 55places.com readers. The survey looked at every major metropolitan area across the United States that had at least 50,000 residents. Some cities were removed from the running based on factors like crime and extreme climate conditions. The remaining 215 cities were assessed based on twelve data points, including average home sale price, cost of living, health care options and rates of volunteerism.

Here’s the full list of the top most affordable cities.

20. Indianapolis

[Photo courtesy of Indianapolis Convention & Visitors Association]
[Photo courtesy of Indianapolis Convention & Visitors Association]

19. Wichita Falls, Texas

[Jason Palmer | Wichita Falls Times Record News / AP]
[Jason Palmer | Wichita Falls Times Record News / AP]

18. Orlando

[John Raoux | AP]
[John Raoux | AP]

17. Grand Rapids, Michigan

[Mark Bialek | Detroit Free Press]
[Mark Bialek | Detroit Free Press]

16. Melbourne, Florida

[Associated Press]
[Associated Press]

15. Phoenix

[Associated Press]
[Associated Press]

14. Ft. Myers-Cape Coral

[Shutterstock]
[Shutterstock]

13. San Antonio

[Associated Press]
[Associated Press]

12. Memphis

[Ben Noey Jr. / Fort Worth Star-Telegram / MCT]
[Ben Noey Jr. / Fort Worth Star-Telegram / MCT]

11. Birmingham

[Scott Keeler | Times]
[Scott Keeler | Times]

10. Waco, Texas

[Associated Press]
[Associated Press]

9. Tampa

[Chris Urso | Times]
[Chris Urso | Times]

8. South Bend, Indiana

[Associated Press]
[Associated Press]

7. New Castle County, Delaware

[Associated Press]
[Associated Press]

6. Gainesville, Florida

[Jay Nolan | Times]
[Jay Nolan | Times]

5. Daytona Beach, Florida

[Susan Taylor Martin | Times]
[Susan Taylor Martin | Times]

4. Jacksonville

[Gary W. Green | KRT]
[Gary W. Green | KRT]

3. Lakeland

[Monica Herndon | Times]
[Monica Herndon | Times]

2. Ocala

[Times archives]
[Times archives]

1. Sioux Falls, South Dakota

[Associated Press]
[Associated Press]

To learn more about the methodology and each of the cities on the list, click here.

What do you think of the survey results? Let us know in the comments.