Surf and ... Save? The 10 Most Affordable Beach Towns for Homebuyers, 2021 (2023)

Has owning your own piece of beachfront real estate ever seemed more appealing?

Even during this so-called Hot Vax Summer, in which Americans are contemplating what post-pandemic fantasies to put into real-world action—packed ballgames! epic barbecues! debauched hookups!—the idea of owning property in a nice beach town stands alone. Sure, traveling the world after a year-and-a-half lockdown sounds awfully sweet. But, given the choice, we’ll opt for life-affirming ocean breezes, fresh lobster rolls, and jalapeño margaritas on the sand—all from our own place!

After all, why clock in to a Zoom meeting with a fake ocean background when you can have the real thing?

But here’s the rub: Even in the best of times, the words “affordable” and “beach towns” are rarely found in close proximity to each other. And for homebuyers, these are far from the best of times. Low inventory and rising prices are the rule across the land, even hundreds—or thousands—of miles from the ocean.

That’s where the sun-craving data team at® comes in. We’re here to tell you that you don’t need a trust fund to buy your own sunny, ocean-area escape as a primary home, vacation abode, or an investment—you just need to know where to look.

As we do each summer, we crunched the numbers to find the nation’s best affordable beach towns—the ones that offer plenty of ocean access, lots of fun things to do, and affordable prices for those who want to kick back on the sandy shores on a budget. These places tended to be smaller spots on the East Coast with a few notable exceptions.

Buyers this summer should expect plenty of competition.

“The pandemic did drive more buyers to want fresh air and wide-open spaces,” says Brad Hunter, president of Hunter Housing Economics, a West Palm Beach, FL–based housing market research and consulting firm.

“I expect the strength in demand to persist long after the pandemic is a distant memory,” says Hunter.

Surf and ... Save? The 10 Most Affordable Beach Towns for Homebuyers, 2021 (1)

To figure out the most affordable beach towns, our data team looked at the median home list prices of more than 1,300 towns located on America’s coastlines from May 2020 through April 2021. We then found the places with the most beach-based businesses, like restaurants, entertainment, and marinas, using U.S. Census Bureau data, to ensure these are places where buyers will want to be.

Only one town per state was included to ensure geographic diversity.

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Ready to soak up the sun and saltwater?

1. Atlantic City, NJ

Surf and ... Save? The 10 Most Affordable Beach Towns for Homebuyers, 2021 (2)

Median home list price: $145,050

Boardwalks and casinos likely come to mind when you think of Atlantic City, even though the gambling industry has struggled in recent years, especially during the COVID-19 pandemic. Still, cooped-up city dwellers have flocked to the area, attracted to the outdoor activities, fresh seaside air—and affordable prices.

But they’re going up. Home prices in the Atlantic City area jumped 34% during the first quarter of 2021 compared with last year, according to the National Association of Realtors®.

“Through the pandemic, the lifestyle here has been in demand: a happy place to live, stress-free, no congestion, a place to gather your thoughts,” says local real estate broker Mary Lou Ferry Wimmer, of Farley & Ferry Realty.

Wimmer says home inventory is low, but there are still plenty of deals, whether buyers are looking for brand-new construction, fixer-uppers, or condos.

This two-bedroom condo is listed at just under $200,000 in a high-rise with bay and ocean views.

2. Myrtle Beach, SC

Surf and ... Save? The 10 Most Affordable Beach Towns for Homebuyers, 2021 (3)

Median home list price: $237,050

Millions of tourists flock to Myrtle Beach each year, lured by its surf and sand, as well as its golf courses, festivals, and art scene. But it’s becoming a popular place to call home, too. In fact, U.S. News & World Report recently named it the fastest-growing city in the country as retirees and younger workers have flocked to the area, enticed by the warm weather, low taxes, and affordable homes, despite the higher crime.

“A lot of what we are hearing from those relocating and looking to call Myrtle Beach their next home is that they want to be able to enjoy life, outdoors, with their families,” says local real estate broker Jason Potter, of Grand Strand Coastal Realty says.

Plenty of homebuyers here are also looking for second homes or investment properties, which they can rent out part of the year. The good news is there is more inventory than in other spots on our list. Affordable homes abound, including oceanfront condos, single-family homes, gated communities, and townhouses. This three-bedroom home listed at $249,900 is situated on a golf course and features a backyard pond view.

3. Daytona Beach, FL

Surf and ... Save? The 10 Most Affordable Beach Towns for Homebuyers, 2021 (4)

Median home list price: $239,050

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Daytona Beach is a popular vacation destination thanks to its wide, sandy beaches and the Daytona International Speedway, which draws NASCAR fans from around the country. But lately more of those vacationers are deciding to stay.

“Because your homebuying dollar goes further here, homebuyers can purchase larger homes to accommodate additional needs, including working from home and home-schooling,” says local real estate broker Joyce Marsh of her eponymously named firm.

Residents enjoy lower-than-average real estate taxes and no state income tax. Home prices are reasonable, too, and Marsh says there is a lot to choose from. This waterfront condo is available for $159,900 and comes with amenities like a heated pool, tennis courts, fitness room, and a clubhouse.

4. Rockland, ME

Surf and ... Save? The 10 Most Affordable Beach Towns for Homebuyers, 2021 (5)

Median home list price: $250,050

Rockland is a small town on the Penobscot Bay along the southern coast of Maine that has been attracting creative types for years. That’s inspired the town to call itself the “art capital of Maine,” says Michelle Gifford, a local real estate associate with Re/Max Jaret & Cohn. The city is home to dozens of galleries and museums.

New residents have plenty to explore when they move to Rockland, including local art walks, farmers markets, the Maine Lobster Festival, and the North Atlantic Blues Festival.

Over the past year, home prices have increased and places are selling fast. But there are still lots of deals for those looking for a single-family home, waterfront property, or condo. Buyers just need to be aware property taxes are slightly higher than in neighboring towns.

Much of the real estate here tends to be older. Listed at just under $250,000, this three-bedroom home offers stunning views of the Chickawaukie Lake, a wood-burning fireplace, and close proximity to all of Rockland’s amenities.

5. Swansboro, NC

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Surf and ... Save? The 10 Most Affordable Beach Towns for Homebuyers, 2021 (6)

Median home list price: $310,050

Long known as “The Friendly City by the Sea,” Swansboro is surrounded by fishing communities and charming historic towns full of locally owned shops and restaurants. Visitors enjoy the welcoming atmosphere and are often inspired to move there themselves, says local real estate broker Ginger Weaver Robles, of Southern Coast Realty Group.

Situated near several military bases, Swansboro is also six miles from the beautiful Emerald Isle beaches. And it’s just a 10-minute boat trip from Hammocks Beach State Park, which features a 4-mile-long undeveloped barrier island, marshes, and a maritime forest.

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“Our real estate market is different,” Robles says. “We have the benefit of continuous military moves, people moving to the coast or just off of the island to retire. [We have] people purchasing second homes and people that visit our area from states both north and south of North Carolina that fall in love and choose to relocate here.”

Single-family homes are mostly what new residents will find, including townhouses, ranches, cottages, and two-story abodes. This home listed at $277,000 is minutes from local beaches and golf courses.

6. Chincoteague Island, VA

Surf and ... Save? The 10 Most Affordable Beach Towns for Homebuyers, 2021 (7)

Median home list price: $389,050

As Virginia’s only resort island, Chincoteague Island, located along the state’s eastern shore, is known for its oyster beds, national wildlife refuge, and the feral Chincoteague Ponies. The island is just 7 miles by 3 miles in size, so it feels like a small town with a tight-knit community.

Living on Chincoteague Island is “like you are away from the entire world,” says local real estate broker Angie Abell, of Beach Bay Realty. That made it particularly popular during the pandemic as folks focused on social distancing.

“The nature trails and beach and boating were ways we could enjoy ourselves and still isolate,” she adds. “We didn’t experience the chaos of the cities.”

Homes on Chincoteague Island are in demand, and many owners rent out their properties to vacationers during the summer. There are a lot of single-family homes for sale as well as some less expensive manufactured homes. This historic 1865 cottage listed for $219,000 is three blocks from a bike path to the beach.

7. Long Beach, WA

Surf and ... Save? The 10 Most Affordable Beach Towns for Homebuyers, 2021 (8)

Median home list price: $399,050

During the pandemic, people left big-city tech hubs like Seattle for areas like the Long Beach Peninsula. They were seeking fewer people, less traffic, and, of course, the sand and surf. Long Beach can get busy, though, especially when it hosts the Rod Run to the End of the World event and thousands of car enthusiasts descend on the beach.

“If you’re making a big tech income and living in a small beach town, you can have a laid-back lifestyle and a lower cost of living—a win-win,” says Brad Whittaker, a real estate agent with Realty One in Long Beach.

Homebuyers have two sides of the peninsula to choose from: the ocean side or the bay side. Whittaker says the bay side can be a little calmer, while the Pacific Ocean side can be stormy. But both offer beautiful views.

Smaller homes and ranches are common. Just a few blocks from the beach, this open-concept home is available for $325,000.


8. Matagorda, TX

Surf and ... Save? The 10 Most Affordable Beach Towns for Homebuyers, 2021 (9)

Median home list price: $399,050

Primarily a tourist spot, Matagorda is a small town with a population of around 500. It’s located on the upper coast of Texas along the Gulf of Mexico and at the mouth of the Colorado River. Visitors and residents alike enjoy collecting seashells along the beach, birdwatching, fishing, and kayaking.

Living in Matagorda brings a quiet mix of a rural and suburban. Many homebuyers purchase second homes in the area to rent out and recoup their investments, says Tammy Hill, a real estate agent with Texas Coastal Properties in nearby Palacios. Many of the homes on the water are raised or on stilts.

“You can’t be in a hurry around here,” says Hill. “There isn’t a lot to do here unless you are a fisherman or hunter.”

A variety of homes are available in Matagorda with lots of amenities. For less than $200,000, you’ll find a cozy three-bedroom located on the Colorado River that comes with its own golf cart.

9. Grand Isle, LA

Surf and ... Save? The 10 Most Affordable Beach Towns for Homebuyers, 2021 (10)

Median home list price: $399,050

Grand Isle is Louisiana’s only inhabited barrier island, and it’s known for its fishing, birding habitat, and Gulf of Mexico views. The beach town is mostly a travel destination, but during the pandemic, it served as a place to get away from the mayhem.

“We have everything from beach homes to water access on a bay or canal, homes in residential areas, homes in gated communities, and lots of commercial opportunities,” says Carolyn Angelette, owner and broker of Island Realty in Grand Isle. “For the right price, you can be on the beach or on the water with boat access.”

One caveat: It’s a regular target for hurricanes, hard-hit by Katrina in 2005. That means higher insurance premiums, and Angelette says taxes are higher than in some areas. It was also the site of a BP oil spill in 2010. Still, many second-home and investment buyers flock here.

There are many affordable options. This three-bedroom home available for $225,000 is located across from the bay and sits on two lots.

10. Dennis Port, MA

Surf and ... Save? The 10 Most Affordable Beach Towns for Homebuyers, 2021 (11)

Median home list price: $475,050

“The Port,” as locals call it, is a popular area of Cape Cod that has been extensively revitalized over the past few years. Vacationers head here for its long stretch of sandy beaches and Main Street filled with boutiques and cafes. And it attracted plenty of new residents during the pandemic, despite the higher price tags.

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“COVID created a huge influx of its traditionally seasonal residents becoming year-round residents,” especially those from nearby big cities who were working from home, says Amanda Howey, an associate with Re/Max Spectrum in nearby Osterville.

The real estate industry in Cape Cod is booming, with prices going up and home inventory going down. Eager buyers can still find the right property—if they move quickly and are “willing to be flexible on contingencies, price, and have a healthy deposit to put down,” Howey says.

Shoppers can snag a two-bedroom newly updated cottage with two outbuildings for $389,000, just a short walk to the beach.


What is the least expensive coastal town to live in? ›

15 Affordable Beach Towns in the U.S. Where You Can Actually Live
  1. Deerfield Beach, Florida. For more content like this follow. ...
  2. Daytona Beach, Florida. Population: 74,437. ...
  3. Jacksonville, North Carolina. Population: 72,896. ...
  4. Gulfport, Mississippi. ...
  5. Port Arthur, Texas. ...
  6. Pensacola, Florida. ...
  7. Biloxi, Mississippi. ...
  8. Atlantic City, New Jersey.
Jan 21, 2023

What is the least expensive coastal town in the United States? ›

Biloxi, Mississippi, ranks at the top of our list as the most affordable beach town in America.

Where is the cheapest place to retire on the beach? ›

5 Affordable Places To Retire Near the Beach
  • Garden City, South Carolina. ...
  • Vero Beach, Florida. ...
  • Venice, Florida. ...
  • Cape Carteret, North Carolina. ...
  • Daytona Beach, Florida.
4 days ago

Where is the least expensive and safest place to live? ›

10 of the cheapest and safest places to live in the world
  • Albania.
  • Portugal.
  • Costa Rica.
  • Panama.
  • Mexico.
  • Thailand.
  • Malaysia.
  • Vietnam.

Where should I live if I love the ocean? ›

Best Beach Towns to Live in (Ocean)
Overall RankCityTotal Score
1Naples, FL64.86
2Laguna Beach, CA63.63
3Lahaina, HI63.35
4Newport Beach, CA63.09
40 more rows
Jun 16, 2021

Where is the cheapest place in the southeast to live? ›

If you want an affordable place to live in the Southeast, consider Huntsville! This Alabama city offers affordable real estate with Mid-Century Modern ranches and Colonial two-story homes, as well as a great cost of living.

Where is the cheapest oceanfront property in Florida? ›

  1. Pensacola. The most affordable beach town in Florida is Pensacola, although technically speaking, it's a city, not a town. ...
  2. Daytona Beach. Yep! ...
  3. Deerfield Beach. ...
  4. Fort Walton Beach. ...
  5. Vero Beach. ...
  6. Clearwater. ...
  7. Tarpon Springs. ...
  8. Melbourne.
Dec 9, 2022

What west coast state has the lowest cost of living? ›


Where is the best place to live near the ocean? ›

Best Places to Live Near the Ocean
  • Boston, MA.
  • Lahaina, HI.
  • Myrtle Beach, SC.
  • Naples, FL.
  • Portland, ME.
  • San Diego, CA.
  • Santa Barbara, CA.
  • Sarasota, FL.
Dec 14, 2022

What town in Florida has the lowest cost of living? ›

Most Affordable Places to Live in Florida
  • Cape Coral.
  • Dunedin.
  • Fort Walton Beach.
  • Lakeland.
  • Vero Beach.
Feb 20, 2023

What is the number 1 place to retire in the world? ›

The Top 25 Best Countries to Retire in
6 more rows
Nov 21, 2022

What is the cheapest state for seniors to retire? ›

Michigan ranks as the most affordable state to retire in 2022, according to a recent Bankrate analysis. This is due to a low cost of living and light tax burden for residents.
Here are the seven most affordable states to retire, according to Bankrate:
  • Michigan.
  • Tennessee.
  • Missouri.
  • Mississippi.
  • Kentucky.
  • Oklahoma.
  • Georgia.
Aug 31, 2022

What is the most affordable tropical place to live? ›

Dominican Republic, Belize, Costa Rica and Panama are a few of the most affordable islands to live on and double up as top destinations to visit.

What is the number 1 cheapest state to live in? ›


Mississippi is the cheapest place to live in the United States, with a cost of living 15.6% lower than the national average.

Where is the cheapest and easiest place to live? ›

If you're looking for the cheapest places to live in the U.S., Mississippi has the lowest cost of living for any state and Kalamazoo, Michigan, has the lowest cost of living for a city.

Where is the cheapest and nicest place to live in USA? ›

Lake Side Park in Fort Wayne, Indiana, named the most affordable city to live in America. In its report, Niche also ranked the cheapest places to live in the U.S. At the top of the list was Fort Wayne, Indiana, which also took the top spot in three previous years: 2021, 2019 and 2018.

What is the best East Coast town to live in? ›

Best Places to Live on the East Coast
  • Charleston, SC.
  • Charlotte, NC.
  • Jacksonville, FL.
  • Johns Creek, GA.
  • Manchester, CT.
  • Portland, ME.
  • Providence, RI.
  • Virginia Beach, VA.
Dec 2, 2022

Where on the East Coast is best to live? ›

  • 01 of 10. Portland, Maine. FilippoBacci/Getty Images. ...
  • 02 of 10. Portsmouth, New Hampshire. DenisTangneyJr/Getty Images. ...
  • 03 of 10. Boston, Massachusetts. ...
  • 04 of 10. Greenwich, Connecticut. ...
  • 05 of 10. New York City, New York. ...
  • 06 of 10. Washington, District of Columbia. ...
  • 07 of 10. Charleston, South Carolina. ...
  • 08 of 10. Savannah, Georgia.
Feb 10, 2023

Is it healthier to live by the ocean? ›

The iodine, salt, and magnesium present in sea air can reduce the symptoms of asthma, promote respiratory health, improve allergies and skin problems, and stimulate the immune system. The energy to get moving. Seaside living promotes an active lifestyle.

Where does 90% of ocean life live? ›

As a result, around 90% of ocean life lives in the sunlit zone. Twilight or disphotic zone - The twilight zone is the middle zone in the ocean. It runs from about 600 feet deep to around 3,000 feet deep depending on how murky the water is. There is too little sunlight for plants to live here.

What is the cheapest and safest place to live in South America? ›

Montevideo, Uruguay

Uruguay is known to be the safest country in South America and hence, is an excellent destination for remote workers who want to live in South America.

What is the best cheapest Southern state to live in? ›

1. Mississippi. Coming in as the cheapest state to live in in the United States is Mississippi with a cost of living index score of 83.3. It also has the lowest average housing costs in the nation at 33.7% below the national average.

Where is the best but cheapest place to live? ›

Most Affordable Places to Live in the U.S. in 2022-2023
  • Hickory, NC.
  • Green Bay, WI.
  • Quad Cities, IA-IL (Davenport-Bettendorf, IA & Moline-Rock Island, IL)
  • Fort Wayne, IN.
  • Pittsburgh, PA.
  • Beaumont, TX.

What is the least touristy beach town in Florida? ›

5 Less Crowded Beaches in Florida
  1. Canaveral National Seashore. ...
  2. Ormond Beach. ...
  3. Fort De Soto Park. ...
  4. Santa Rosa Beach. ...
  5. Sanibel Island.

What is the best beach community in Florida? ›

Best Beach Communities in Florida for Shopping, Dining & Nightlife
  • Daytona Beach. Daytona Beach on Florida's central Atlantic coast weaves a rich tapestry of arts, culture and heritage. ...
  • Delray Beach. ...
  • Lido Key. ...
  • Sanibel Island. ...
  • Seaside.
Jan 28, 2020

Is it smart to buy a beach house? ›

Buying a beach house can bring an excellent return on investment, a reliable income stream, and access to a delightful vacation spot. Many beach house investors purchase homes that they subsequently rent out during peak tourism times.

Where is the cheapest place to live by the Pacific Ocean? ›

Most affordable cities in the Pacific Northwest
  1. Coos Bay, Oregon. Coos Bay, Oregon is one of the most affordable cities you'll find on the Pacific Ocean. ...
  2. Ephrata, Washington. ...
  3. Blackfoot, Idaho. ...
  4. Willows, California. ...
  5. Umatilla, Oregon.
Aug 12, 2022

What are the best states to move to on the West Coast? ›

Best Places to Live on the West Coast. Moving to the West Coast? California, Washington, Alaska, and Oregon have some of the best outdoor recreation, thriving job markets, amazing eateries, and beautiful weather. Whether you're looking for a beach town or mountain city, check out these ten best West Coast cities!

Which western state is best to live in? ›

Best Western States To Live In
  • Arizona.
  • Idaho.
  • Montana.
  • Washington.
  • Wyoming.

What is the #1 beach town in America? ›

1. Key West, FL. Key West is Florida's southernmost point, and it's surrounded by crystal blue waters. This means stunning, Caribbean-like beaches (see: Smathers Beach and Higgs Beach) juxtaposed against cute, brightly painted beach cottages with ornate latticework and plenty of cultural charm, too.

What is the most affordable beach town on the West Coast? ›

Arcata. The cheapest beach town in California is Arcata. This affordable Northern California town is well-known for having a low cost of living. Arcata is a great place to live if you want to enjoy the best NorCal has to offer, including the local beaches, Humboldt Beach, and Mad River Beach.

Which state has the most beautiful beaches? ›

In California, San Diego's Coronado Beach routinely ranks inside the top 10, including seventh in 2022. Nonetheless, the title of Best Beach State has to belong to America's only island state in Hawaii.

What is the number 1 safest city in Florida? ›

The Villages has the lowest county violent crime and property crime rate in Florida. What is the safest area to live in Florida? According to our research, the three safest cities in Florida are The Villages, Palm Coast, and Riverview.

What is the best and most affordable place to live in Florida? ›

What city in Florida has the lowest cost of living? If you're searching for the most affordable places to live in florida 2022, Jacksonville may be your best choice. Their cost of living is reportedly 7% lower than the US average, with the cheapest rent in florida 2022 as well as home purchase price.

What are the 3 states that don't tax retirement income? ›

Fortunately, there are some states that don't charge taxes on retirement income of any kind: Alaska, Florida, Nevada, South Dakota, Tennessee, Texas, Washington and Wyoming.

What state is best financially to retire in? ›

Top 10 best states to retire in
  • Ohio.
  • Iowa.
  • Minnesota.
  • Florida.
  • Nebraska.
  • Virginia.
  • Texas.
  • Maryland.

Can I live on Social Security alone? ›

Living on Social Security alone is not only possible, but many retirees already accomplish that very feat every year. While the lifestyle associated with Social Security income isn't exactly luxurious, it doesn't have to equal rice and beans for the rest of your life, either.

What state is best for seniors on Social Security? ›

Iowa tops the list for best states to live on just a Social Security check thanks to a number of factors.

What is a good monthly retirement income? ›

A good retirement income is about 80% of your pre-retirement income before leaving the workforce. For example, if your pre-retirement income is $5,000 you should aim to have a $4,000 retirement income.

What is the cheapest and safest Caribbean island to live on? ›

Belize is one of the cheapest Caribbean havens, and a couple could live comfortably with US$2,000 a month. It's the only country in the world with a jaguar reserve and is also a paradise for birds and insects. Conservationists estimate that over 500 species of birds and 500 species of fish live here.

Which state has the lowest overall cost of living? ›

1. Mississippi. Mississippi is the cheapest place to live in the United States, with a cost of living 15.6% lower than the national average.

What is the 2 cheapest state to live in? ›

2. Kansas. The great state of Kansas is the second cheapest state to live in with a score of 86.5.

Where is the best affordable place to retire? ›

Michigan ranks as the most affordable state to retire in 2022, according to a recent Bankrate analysis. This is due to a low cost of living and light tax burden for residents.
Here are the seven most affordable states to retire, according to Bankrate:
  • Michigan.
  • Tennessee.
  • Missouri.
  • Mississippi.
  • Kentucky.
  • Oklahoma.
  • Georgia.
Aug 31, 2022

Which is the cheapest Caribbean island to live? ›

Most islands in the Caribbean have higher than expected utility costs. The Dominican Republic, Belize, Costa Rica, and Panama have the cheapest cost of living in the Caribbean.

What is the safest and cheapest Caribbean island? ›


What is this? The U.S. Department of State rates Anguilla as one of the safest destinations in the Caribbean, with a threat level of one (the lowest possible number). While petty theft does occur, visitors who leave their valuables at home (or in their hotel room) aren't likely to fall victim to this crime.

What is the best state to move in 2023? ›

The 10 Best Places to Live in the U.S. in 2022-2023:
  • Green Bay, Wisconsin.
  • Boulder, Colorado.
  • San Jose, California.
  • Raleigh and Durham, North Carolina.
  • Fayetteville, Arkansas.
  • Portland, Maine.
  • Sarasota, Florida.
  • San Francisco.

What is the best state to live in financially? ›

Washington State was found to be the best state to live in, while Hawaii ranked last. The chief benefits offered by Washington are an average median income that ranks fourth nationally and the fact that it has no state income tax.


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