America’s 13 Most Affordable Beach Towns for Retirees

myrtle beach ss - America's 13 Most Affordable Beach Towns for Retirees

After working hard for most of your life, it’s time to settle down and actually enjoy it. What better place to do that than in an affordable beach town?

We selected these towns based on their cost of living, amenities, and quality of life for retirees. Our focus was on finding places that offer both affordability and a variety of activities to keep life exciting and enjoyable in retirement.

1. Myrtle Beach, South Carolina

Myrtle Beach, South Carolina
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Cost of Living: 8% less than national average

When it comes to beach towns, no other place does it quite like Myrtle Beach, South Carolina. You’ve put your time in, and now you can enjoy the fruits of your labor.

Golfing is a big deal at Myrtle Beach, with many courses to choose from. The Myrtle Beach Boardwalk is the perfect opportunity to stay active while enjoying great views. Music lovers can visit The Carolina Opry, which offers a variety of concerts and shows. The museums are great, too.

2. Gulf Shores, Alabama

Gulf Shores, Alabama USA
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Cost of Living: 5% less than national average

Your golden years are a special time when you can have peace and adventure. Gulf Shores, Alabama, is replete with both.

Retirees can spend their days bird-watching at the Bon Secour National Wildlife Refuge or fishing off the Gulf State Park Pier. There are also chartered deep-sea fishing trips for fishermen looking for the “big” catch. History comes alive at Fort Morgan, and local bars offer vibrant live music scenes. The annual Shrimp Festival is held every October and is a highlight for locals and visitors alike.

3. Corpus Christi, Texas

Corpus Christi, Texas
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Cost of Living: 9% less than national average

Are you a history buff? Corpus Christi, Texas, is home to the USS Lexington Museum, a decommissioned World War II-era aircraft carrier, for a dose of naval history. The Texas State Aquarium is a great place for the grandkids. They can get up close and personal with beautiful marine life.

Corpus Christi also has a vibrant downtown area, where tourists and locals enjoy the Water Street Market for unique local shopping and dining experiences.

4. Daytona Beach, Florida

Daytona Beach, Florida
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Cost of Living: 2% less than national average

Take retirement by the horns in one of the most famous beach towns: Daytona Beach, Florida. You can’t live in Daytona and not go to the iconic Daytona International Speedway.

The city even has the historic Ormond Beach district, which you can enjoy while winding down from a busy day of adventure. You won’t regret stopping by Daytona Beach’s Bandshell, which regularly hosts lively entertainment, events, and festivals.

5. Pensacola, Florida

Pensacola, Florida
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Cost of Living: 6% less than national average

Pensacola offers a blend of historical and cultural activities ideal for anyone trying to be as far removed from work as possible. Strolling the charming streets of historic Pensacola Village is a great way to spend a day. History buffs will want to explore the National Naval Aviation Museum on the Pensacola Naval Air Station base.

The Saenger Theatre is a great place to enjoy some evening entertainment. Round out your day with some of the finest local seafood at great restaurants.

6. Galveston, Texas

Galveston, Texas
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Cost of Living: 2% less than national average

Galveston is a haven for history buffs and nature lovers alike. For history lovers, there’s the historic Strand District, and outdoorsy individuals can explore the beautiful Moody Gardens.

Retirees can also relax on one of Galveston’s many beaches or take in a show at The Grand 1894 Opera House. All the performances are well worth the ticket price.

7. Port St. Lucie, Florida

Port St. Lucie, Florida
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Cost of Living: 6% above national average

Your retirement should be filled with joy and relaxation. Port St. Lucie, Florida, is perfect for just that. Spend your days wandering through the serene Port St. Lucie Botanical Gardens, known for its beautiful exhibits, including a butterfly room, orchid room, and rose garden.

Golf enthusiasts can perfect their swing at the renowned PGA Village. The Sunrise Theatre, a local gem, offers live performances and other events. Nature lovers can visit the Savannas Preserve State Park, which offers stunning trails and beautiful scenery.

8. Biloxi, Mississippi

Biloxi, Mississippi
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Cost of Living: 8% less than national average

If you’re looking for an exciting retirement destination, consider Biloxi, Mississippi. You can spend your days trying your luck at the casinos like the Isle of Capri or the Beau Rivage, which has its own exit off Interstate 10. These venues are also known for their buffets as well as upscale dining options.

Visit the iconic Biloxi Lighthouse for a taste of local history and stunning views. Indulge in delicious seafood at excellent local restaurants. Attend diverse events at the Mississippi Coast Coliseum and explore the unique exhibits at the Ohr-O’Keefe Museum of Art for a rich experience.

9. Venice, Florida

Venice, Florida
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Cost of Living: 8% above national average

Venice, Florida, offers retirees outdoor adventures and cultural delights. You and your partner can walk along the scenic Venetian Waterway Park, where the views are beautiful and the paths are peaceful.

Grab a seat and settle down to enjoy a performance at the Venetian Theatre, a hub for local arts. The charming downtown area is filled with shops and cafes. For a bit of fun and discovery, hunt for prehistoric shark teeth at Caspersen Beach, a favorite local pastime.

10. Portland, Maine

Portland, Maine
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Cost of Living: 20% above national average

Portland, Maine, is a charming seaside city. Grab your camera and take snapshots of the cobblestone streets of the Old Port district, where maritime history blends with boutique shopping. While cost of living is more expensive than the national average, it still ranks as one of the least expensive beach towns in the country.

Also, drop by the Portland Museum of Art for a touch of inspiration, and don’t forget to treat yourself to the freshest lobster at local eateries, a true taste of Maine. You can also visit the iconic, picturesque lighthouses that dot the nearby coast.

11. Rehoboth Beach, Delaware

Rehoboth Beach Boardwalk
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Cost of Living: 14% above national average

Rehoboth Beach, Delaware, offers the perfect blend of relaxation and liveliness. The atmosphere of the famous Rehoboth Beach Boardwalk is a must-see and do; it’s a happening spot where fun and excitement are always in the air. Similar to Portland, the cost of living is higher than average, but still inexpensive compared to other towns in the Northeast.

You can also find boutique shopping along Rehoboth Avenue, a place where you can surround yourself with the local atmosphere during events like the Rehoboth Beach Jazz Festival. For a relaxing escape, the beautiful trails and pristine beaches of nearby Cape Henlopen State Park are popular with the locals.

12. Newport, Oregon

Newport, Oregon
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Cost of Living: 6% above national average

Retire to Newport, Oregon, where coastal beauty and enriching experiences await you. The grandkids will love the Oregon Coast Aquarium, where they can see varied marine life in stunning exhibits.

The historic Yaquina Bay Lighthouse offers breathtaking views and a glimpse into Oregon’s maritime history. Round out your days with fresh seafood from local restaurants, showcasing the best flavors of the Pacific Northwest.

13. Carolina Beach, North Carolina

Carolina Beach, North Carolina
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Cost of Living: 6% above national average

Carolina Beach, North Carolina, has a dynamic mix of outdoor fun and engaging local vibes. Spend your days soaking in the natural wonders of Carolina Beach State Park or walking along the Carolina Beach Boardwalk.

Try your hand at fishing from the Carolina Beach Fishing Pier, and don’t miss visiting the nearby North Carolina Aquarium at Fort Fisher. It’s the perfect setting for a retirement filled with adventure and discovery.

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