1. Galveston, Texas
Galveston combines that laid-back island vibe with the convenience of city amenities, all at an affordable cost. Housing is still quite reasonable, and there’s plenty to do—from exploring historic architecture to enjoying seafood straight from the Gulf. The town’s warm weather and gentle sea breezes make it a great place to kick back and relax.
2. Fort Pierce, Florida
Known as the “Sunrise City,” Fort Pierce is an affordable gem on Florida’s Atlantic coast. Here, you can enjoy fishing, boating, and exploring nature reserves. The town has a charming downtown area with historic buildings and a lively arts scene. And with no state income tax, your retirement dollars will go further.
3. Venice, Florida
Nicknamed the “Shark Tooth Capital of the World,” Venice is a charming, affordable coastal town with a unique twist. You can hunt for prehistoric shark teeth while strolling the beaches, and the weather is perfect for outdoor activities. The cost of housing is surprisingly affordable for a town that offers so much sunshine and charm.
4. Port St. Joe, Florida
Port St. Joe is like a cozy hug from old Florida, a place where life slows down and everyone knows your name. The cost of living is significantly lower than in popular Florida spots like Miami, but you still get beautiful beaches, fresh seafood, and plenty of sunshine. If fishing or kayaking is your thing, you’ll fit right in.
5. Ocean Springs, Mississippi
Known for its artsy vibes and friendly community, Ocean Springs offers a relaxed lifestyle on the Gulf Coast without the hefty price tag. The town’s charming historic district, filled with galleries, shops, and restaurants, feels like stepping back in time. And with a much lower cost of living than many other coastal spots, your retirement budget will thank you.
6. Gulf Shores, Alabama
Gulf Shores isn’t just a hidden gem—it’s a budget-friendly one, too. With its stunning white-sand beaches and warm Gulf waters, it feels like a tropical escape without the hefty price tag. Plus, the low property taxes and affordable real estate make it perfect for retirees looking to stretch their dollars.
7. Pensacola, Florida
Pensacola is a small town with big beach vibes, known for its sugar-white sand and emerald waters. It’s one of the most affordable places to retire in Florida, with no state income tax to eat into your savings. Plus, you’ll never run out of things to do, from dolphin-watching cruises to enjoying live music at outdoor venues.
8. Oak Island, North Carolina
For those who love a laid-back lifestyle with fewer crowds, Oak Island is a hidden treasure. The cost of living is lower than in other East Coast beach towns, and you get all the perks of coastal living—fishing, boating, and beachcombing—without the touristy chaos. Perfect for those who want peace and quiet by the water.
9. South Padre Island, Texas
While South Padre Island is famous for spring break, it’s also a fantastic and affordable place for retirees. The winter weather is mild, the cost of living is surprisingly reasonable, and there’s no state income tax in Texas. Spend your days walking along its 34 miles of sandy coastline or enjoying the vibrant local art scene.
10. Biloxi, Mississippi
Biloxi is all about that Southern hospitality. This Gulf Coast town offers a low cost of living and tons of affordable waterfront properties. You can spend your days exploring historic sites, enjoying casino nights, or relaxing on its uncrowded beaches. And let’s not forget those epic seafood boils!
11. Port Orford, Oregon
Want something a bit cooler and less crowded? Head to Port Orford, where the Pacific Northwest meets affordability. This small town is surrounded by natural beauty, from rugged coastlines to lush forests. Housing costs are much lower than in California beach towns, and the slower pace of life will help you unwind.
12. Myrtle Beach, South Carolina
If you’ve always wanted to retire somewhere that offers both entertainment and tranquility, Myrtle Beach might be the answer. Besides the endless stretches of sand and the iconic boardwalk, the cost of living here is quite manageable. Golf enthusiasts will appreciate the abundance of affordable golf courses, and there are year-round festivals to keep you busy.
13. Rockport, Texas
Last but definitely not least, Rockport is a peaceful beach town with a strong sense of community. Known for its birdwatching and fresh seafood, this small coastal spot is perfect for retirees looking for a laid-back lifestyle. The cost of living is significantly lower than in larger coastal cities, and the mild climate means you can enjoy the outdoors all year round.
