35 Cheapest Beach Towns You Can Afford To Live In

Maridav / Getty Images/iStockphoto

Maridav / Getty Images/iStockphoto

To live where the sand meets the water is a dream for many people, including those who want to retire comfortably under the palms of an affordable beach house. Between the gorgeous natural landscapes, fun local attractions, incredible seafood cuisine, temperate oceanside weather and the uncanny feeling that summer is never ending, having a beach house, condo or apartment can feel like you, your family and your friends are in a paradise all your own.

Although beach cities have the reputation of being expensive places to live, each of the coastal cities on this list has a median home price below the U.S. average of $425,177 and an annual cost of living index under 99.9, making them among the cheapest places to live in the country.

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To find the cheapest beach towns you can afford to live in, GOBankingRates gathered a list of beach towns from across the United States, and for each city, a number of factors were found from Sperlings BestPlaces, including cost of living indexes for groceries, healthcare, housing, utilities, transportation and miscellaneous expenses. Each index was multiplied by its respective national average annual expenditure cost from the Bureau of Labor Statistics Consumer Expenditure Survey for all consumers.

GOBankingRates calculated the total annual expenditure cost for each city, sorting them to show the cheapest beach towns you can afford to live in. All data is up-to-date as-of August 4th, 2023.

While you’re packing for the beach, see how much these beach towns cost so you know how much you need to live comfortably. Here’s the list of the 35 cheapest beach towns you can afford to live in right now in America.

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DenisTangneyJr / Getty Images/iStockphoto

Port Arthur, Texas

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Port Lavaca, Texas

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martinedoucet / Getty Images

Palacios, Texas

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traveler1116 / Getty Images/iStockphoto

Waveland, Mississippi

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dszc / Getty Images/iStockphoto

Gulfport, Mississippi

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kurmyshov / iStock.com

Texas City, Texas

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PeopleImages / Getty Images/iStockphoto

Freeport, Texas

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DawnDamico / iStock.com

Ocracoke, North Carolina

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Corpus Christi, Texas

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Kanokwalee Pusitanun / Getty Images/iStockphoto

Pensacola, Florida

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Carrabelle, Florida

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JeffGoulden / Getty Images

Long Beach, Washington

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DaveMcDPhoto / Getty Images/iStockphoto

Ocean Springs, Mississippi

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traveler1116 / Getty Images

Daytona Beach, Florida

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Art Wager / Getty Images/iStockphoto

Cameron, Louisiana

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Chorusguy / Getty Images/iStockphoto

Myrtle Beach, South Carolina

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Crystal Bolin Photography / Getty Images/iStockphoto

Fort Pierce, Florida

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peeterv / Getty Images/iStockphoto

Panama City, Florida

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Larry Gibson / iStock.com

Grand Isle, Louisiana

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AleksandarNakic / iStock.com

Portland, Texas

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JohnnyGreig / Getty Images

Rockport, Texas

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MandD / Getty Images

Chincoteague, Virginia

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Norfolk, Virginia

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DHuss / Getty Images

Galveston, Texas

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Eifel Kreutz / Getty Images/iStockphoto

Holly Ridge, North Carolina

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UWMadison / Getty Images/iStockphoto

Port Washington, Wisconsin

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DawnDamico / Getty Images/iStockphoto

Sneads Ferry, North Carolina

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CG-Photos / iStock.com

Vero Beach, Florida

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DenisTangneyJr / iStock.com

Algoma, Wisconsin

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Christine Barrett / Getty Images/iStockphoto

South Padre Island, Texas

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Beaufort, North Carolina

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logopop (K.Bognaes) / Wikimedia Commons

Fort Walton Beach, Florida

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Sergey-AND-Marina / Getty Images/iStockphoto

Port Saint Joe, Florida

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CampPhoto / Getty Images/iStockphoto

Ruskin, Florida

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Empato / Getty Images/iStockphoto

Clearwater, Florida

John Csiszar contributed to the reporting for this article.

To find the cheapest beach towns you can afford to live in, GOBankingRates gathered a list of beach towns from across the United States, and for each city, a number of factors were found from Sperlings BestPlaces: [1] Grocery Cost of Living Index, [2] Healthcare Cost of Living Index, [3] Housing Cost of Living Index, [4] Utilities Cost of Living Index, [5] Transportation Cost of Living Index, [6] Miscellaneous Cost of Living Index. Each index was multiplied by its respective national average annual expenditure cost from the Bureau of Labor Statistics Consumer Expenditure Survey for all consumers. Then, GOBankingRates was able to calculate the total annual expenditure cost for each city, sorting them to show the cheapest beach towns you can afford to live in. The beach towns’ overall cost of living index and median home value were also included as supplemental data. All data is up-to-date as-of August 4th, 2023.

Photo Disclaimer: Please note photos are for representational purposes only. As a result, some of the photos might not reflect the locations listed in this article.

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