I actually looked at Palm Harbor this morning and there was nothing in the price we were looking for. Goal is to have minimal mortgage after selling our NJ home. We CAN go higher, but I'd prefer not to.
I'd heard good things initially about Lakeland and used that as my starting point. I know someone who lived in Lakeland and worked in Tampa, so I figured the commute must not have been awful.
I've learned to look for homes built after 1994 for more stringent hurricane codes. I've learned to check the flood plains to avoid flood insurance if possible.
I'd prefer not to be right on top of Tampa, as I'm not really a "city girl" -- I like suburbs.
The way I chose my towns was by selecting about a 30-40 mile radius of Tampa and working from there. Gotta have a starting point! South of Tampa looked difficult due to having to get around the water to get to Tampa...figured that would be a pain in the butt.
I don't know first hand, but when our office in NJ closed a lot of people relocated to the Tampa office and quite a few live in Wesley Chapel and love it.
What they have said after being there for a few years is:
houses are cheaper
car insurance is cheaper
homeowners insurance is A LOT more
gas is more
there no home heating costs, but electric bill is much higher due to AC
property taxes are cheaper but rising
many of them have HOA or some other kind of similar fees
So net out of their pocket is less, but the "savings" decreases every year because they have not received a pay increase since they moved there. They brought their NJ salaries to FL with them and because of the way the company calculates the the cost of living, they need to wait for all of the FL salaries to "catch up" before they're eligible for any increase.
More than a few people came back - they found it difficult living there without their family support system close by, they didn't like the heat/weather, and they didn't like the fact that they were working their behinds off getting the new office up and running and would receive no pay increase for about 5 years.
I didn't make the move. For my family we felt it would be better for me to have to find a new job in the NJ/NY metro area than it would for my husband to try to find work in FL where the salaries generally are much lower and work is harder to find. The only time I regret it is a day like today when I am staring at snow outside!