The world is a vast and beautiful place, offering a wealth of options for retirees seeking their perfect haven. From the charm of European villages nestled in rolling hills to the vibrant energy of Asian metropolises, there’s a destination to suit every taste and budget. But for many, the allure of the beach remains unmatched. The sound of crashing waves, the warmth of the sun on your skin, and the endless expanse of the ocean all contribute to a sense of relaxation and well-being.
The United States is fortunate to have a long coastline dotted with charming beach towns. While some coastal communities come with hefty price tags, there are many hidden gems that offer affordability alongside beautiful beaches and a relaxed lifestyle. These towns cater perfectly to retirees who yearn for a life filled with sunshine, sand, and a slower pace.
Here’s the good news: you don’t have to break the bank to retire by the beach in the US. Here are seven affordable beach towns that boast stunning coastlines, friendly communities, and a cost of living that won’t deplete your retirement savings.
7. Ashtabula, Ohio
Located on the shores of Lake Erie, Ashtabula offers a unique beach experience on the freshwater coast. This Great Lakes town has a strong overall appeal for retirees. The Cost of Living Index of 73.5 sits well below the national average, making everyday expenses more manageable. Plus, with an average monthly rent of $700, Ashtabula offers budget-friendly housing options. Beyond the beach, Ashtabula boasts a rich history, charming architecture, and a vibrant arts scene.
6. Michigan City, Indiana
Bordering the southern tip of Lake Michigan, Michigan City offers a stunning natural landscape with a captivating shoreline. The cost of living here remains affordable, with a Cost of Living Index of 81.6. Finding a place to live won’t strain your budget either, with an average monthly rent of $750. Michigan City is known for its Indiana Dunes National Park, with towering sand dunes and diverse ecosystems.
5. Pascagoula, Mississippi
Nestled along the Mississippi Gulf Coast, Pascagoula offers a blend of Southern charm and beautiful beaches. The cost of living is quite affordable here, with a Cost of Living Index of 83.5. Even housing remains budget-friendly, with an average monthly rent of $735. Pascagoula boasts a rich maritime history and is a haven for nature lovers, with opportunities for fishing, boating, and birdwatching.
4. Oscoda, Michigan
Situated on the eastern shore of Lake Huron, Oscoda offers a tranquil escape with a beautiful beachfront. The Cost of Living Index sits at a comfortable 74.9, making day-to-day expenses manageable. While the average monthly rent of $1,014 is slightly higher than some other towns on this list, it’s still a good value considering the natural beauty of the area. Oscoda is known for its pristine beaches, world-class freshwater fishing, and stunning Au Sable River.
3. Gulfport, Mississippi
Located on Mississippi’s Gulf Coast, Gulfport offers a vibrant community alongside its beautiful beaches. The Cost of Living Index remains affordable at 82.6. While the average monthly rent of $959 is a bit higher than some on this list, the town offers a variety of cultural attractions and historical sites. Gulfport boasts a thriving arts scene, fresh seafood restaurants, and numerous festivals throughout the year.
2. Waveland, Mississippi
Nestled along the Mississippi Gulf Coast, Waveland offers a peaceful retreat with a strong sense of community. The Cost of Living Index in Waveland remains similar to the other Mississippi beach towns on this list at 83.4. However, the average monthly rent is slightly higher at $1,100. Despite the slightly higher rent, Waveland offers a slower pace of life and a close-knit community feel. The town boasts beautiful beaches, excellent fishing opportunities, and stunning sunsets over the Mississippi Sound.
1. Long Beach, Mississippi
Located on a barrier island off the Mississippi coast, Long Beach offers a relaxed atmosphere with a focus on family fun. The Cost of Living Index in Long Beach is 82.6, making everyday expenses manageable. The average monthly rent sits at $975, offering a good value for the beachfront location. Long Beach boasts a variety of restaurants, shops, and water sports activities, making it a great choice for active retirees who enjoy spending time with family and friends.
