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The Panhandle offers the most variety in my opinion ; ive lived here for 4 months now from Illinois and i love the different things . Im 30 minutes (inland) from the Gulf Coast of Destin/Fort Walton , 30 minutes to Pensacola , 1 mile to I-10 , 10 miles to all the Shops I frequent , and live in the woods where my next door neighbors house is 500' away thru the forest. Its quiet, lots of nature, breathtaking view of the heavens , yet convenient. I like the people in this area alot ; there is a strong presence of civility, morality, ethics . My property taxes for the wooded 1 acre is a paultry $600 per year with 3 bedroom 1984 Mobile Home thats been upgraded . Purchase price for home and land was $58,500 ; if you dont want to go that cheap of living...then you can easily find alot of 3 bedroom 'regular' houses for $80,000 usually on a half acre. I dont know how Tally or Jacksonville is...but i suspect it doesnt offer what this area of the Panhandle does. And, it doesnt get as hot as middle or lower Florida does. If i can help you further with info, just let me know. (P.S. I found Trulia.com and Realtor.com to be good online sites for house hunting ; Craigslist too if you want to deal direct with the owner) . Good luck.
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