I’m over 65, disabled, and am getting a $200,000 divorce settlement. Can I afford a house in Florida, or should I look in other states?

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I’m over 65, disabled, and am getting a $200,000 divorce settlement. Can I afford a house in Florida, or should I look in other states?
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'I really cannot buy any housing over that $200,000.'

Dear MarketWatch, I am about to receive $200,000 in a divorce settlement. I’m looking to buy a home, but I am frustrated with my options.

“‘I live in Florida right now, and housing is extremely expensive, along with food prices rising another 10 to 50 cents every 2 week.’” It’s a tough time to buy a home. Not only are mortgage rates high, the number of homes available for sale is still low. Buyers are not willing to give up homes that they secured with an ultra-low mortgage rate.In your situation, you’re right, Florida is expensive. According to data from Zillow Z provided to MarketWatch, only 15% of homes listed for sale in Florida are below $200,000.

“I don’t expect U.S. house prices to crash,” Zandi told me. “Of course, if the economy suffers a recession, then the house-price declines will be more significant, but even then a crash seems like a stretch.” There are still many single-family homes and apartments available in Florida that are under $200,000. But they may be small, or require some work. Weigh those options, if you’re up for it.

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