1. Myrtle Beach, South Carolina
Myrtle Beach is famous for its golf courses, beautiful coastline, and surprisingly low cost of living. Retirees are drawn to the area’s affordability, with housing costs well below the national average, according to Tilly Armstrong from the Daily Mail. South Carolina’s tax-friendly policies for retirees—no tax on Social Security and low property taxes—make it even more appealing. Plus, there’s no shortage of things to do, from exploring the Boardwalk to catching live shows at Broadway at the Beach.
Even with its popularity as a tourist spot, Myrtle Beach offers a slower pace of life for those who want it. Off-season months bring fewer crowds, allowing residents to enjoy the beaches and attractions in peace. Healthcare options are plentiful, with several highly rated medical facilities in the area. If you’re looking for an affordable, active retirement on the coast, Myrtle Beach is a top contender.
2. Gulf Shores, Alabama
Gulf Shores offers white-sand beaches, mild winters, and a cost of living that’s lower than the national average. Home prices and rental rates are reasonable compared to other beach destinations, making it an attractive option for retirees. The town has a strong sense of community, with plenty of activities, from fishing and golfing to local festivals, Jennifer Lindahl from Tuscaloosa News explains. Plus, Alabama doesn’t tax Social Security benefits, which means your retirement income stretches further.
Despite its affordability, Gulf Shores doesn’t skimp on beauty or entertainment. The Gulf State Park offers miles of trails for biking and walking, while dolphin cruises and waterfront dining make every day feel like a vacation. Healthcare access is solid, with hospitals and clinics in nearby Foley and Mobile. If you’re looking for a laid-back beach town with Southern charm and budget-friendly living, Gulf Shores checks all the boxes.
3. Port St. Joe, Florida
For retirees who love Florida but not the sky-high prices, Port St. Joe is a hidden gem. Located on the Gulf Coast, this small town has stunning beaches, excellent fishing, and a relaxed vibe without the chaos of bigger Florida cities. Housing costs are more affordable compared to places like Naples or Sarasota, making it an attractive option for budget-conscious retirees. Florida’s lack of state income tax is another big plus for those stretching their retirement savings.
Even though it’s small, Port St. Joe has a strong sense of community, with local farmers’ markets, outdoor concerts, and friendly neighbors. The nearby St. Joseph Peninsula State Park offers incredible natural beauty, perfect for birdwatching, kayaking, and beachcombing. The town’s slower pace is ideal for those looking to escape big crowds while still enjoying the perks of Florida living. If you want an affordable Florida beach town without the high-rise condos and traffic jams, Port St. Joe is a great pick.
4. South Padre Island, Texas
South Padre Island isn’t just for spring breakers—it’s actually a fantastic (and affordable) place to retire, according to David Courtney from The Texas Monthly. Located on the Gulf of Mexico, this barrier island offers warm weather, beautiful beaches, and plenty of outdoor activities year-round. Texas has no state income tax, which is a huge financial benefit for retirees on a budget. Plus, the cost of living here is surprisingly low, especially compared to other coastal destinations.
The island has a strong retiree community, with social events, fishing clubs, and nature programs. Birdwatching and dolphin-spotting are everyday activities, thanks to the area’s rich wildlife. While summers can be hot, winters are mild and perfect for enjoying the beach without the crowds. If you’re looking for an affordable island retreat with a relaxed atmosphere, South Padre Island is worth considering.
5. Ocean Springs, Mississippi
Ocean Springs offers a charming mix of Southern hospitality, artsy vibes, and affordable coastal living, according to Mona Moore from Biloxi Sun Herald. Located near Biloxi, it has a vibrant downtown with galleries, restaurants, and live music, giving retirees plenty to do. The cost of living is well below the national average, and housing is particularly affordable compared to other beach towns. Mississippi also has some of the lowest property taxes in the country, making it even more attractive for retirees.
Despite its affordability, Ocean Springs doesn’t lack beauty or culture. The town is surrounded by scenic bayous and beaches, with plenty of parks and walking trails. Local events, like the Peter Anderson Arts Festival, bring the community together year-round. If you’re looking for a budget-friendly coastal town with character, Ocean Springs is a fantastic choice.
6. Pensacola, Florida
Pensacola offers some of the most beautiful beaches in Florida without the hefty price tag. The cost of living is lower than in places like Miami or Naples, making it a great option for retirees who want to stretch their budget. Florida’s tax-friendly policies, including no state income tax, make it even more appealing. Plus, the city has excellent healthcare facilities, an important factor for retirees.
Beyond affordability, Pensacola has a rich history and a lively downtown with restaurants, shops, and cultural events. The Gulf Islands National Seashore provides stunning scenery and outdoor recreation. Winters are mild, and the slower pace of life is perfect for those looking to relax. If you want Florida living without the high costs, Pensacola delivers.
7. Rockport, Texas
Rockport is a coastal Texas town that offers small-town charm and an affordable cost of living. Known for its fishing, birdwatching, and art scene, it’s an excellent choice for retirees who love the outdoors. Housing prices are reasonable, and Texas’ lack of state income tax makes it even more budget-friendly. Despite its small size, Rockport has a welcoming community and plenty of activities to keep retirees engaged.
The beaches here are peaceful and less crowded than in bigger tourist destinations. The town is also home to a thriving arts district and local seafood restaurants that make dining out a joy. Hurricane Harvey caused significant damage in 2017, but Rockport has made an impressive recovery and continues to grow. If you’re looking for an affordable coastal escape with a strong sense of community, Rockport is a great option.
8. Edisto Beach, South Carolina
If you want a quiet, affordable beach town with a slower pace, Edisto Beach is a dream come true. Unlike its more commercialized neighbors, this South Carolina gem is all about unspoiled beauty and small-town charm. There are no high-rise condos or flashy tourist attractions—just peaceful beaches, local seafood, and a close-knit community. Housing prices are lower than in places like Hilton Head, making it a great option for retirees on a budget.
Edisto Beach is perfect for nature lovers, with miles of hiking and biking trails at Edisto Beach State Park. The town is also known for its excellent fishing, whether from a boat or right off the pier. Because it’s less developed, it retains a laid-back vibe that many retirees appreciate. If you’re looking for an affordable beach town where relaxation is the main event, Edisto Beach should be on your list.
9. Port Arthur, Texas
Port Arthur may not be the first place that comes to mind for beachside retirement, but it offers Gulf Coast living at an incredibly affordable price. Housing costs are well below the national average, and the lack of a state income tax makes Texas even more attractive for retirees. The town has beautiful beaches, great fishing, and a rich Cajun culture that influences its food and festivals. It’s a place where retirees can enjoy coastal living without the high costs of better-known beach towns.
Sea Rim State Park is a major draw for outdoor enthusiasts, offering kayaking, birdwatching, and peaceful beach walks. The town has a relaxed, no-frills vibe, which appeals to those looking for a simple, stress-free retirement. While it’s close enough to Houston for city conveniences, Port Arthur itself feels quiet and laid-back. If affordability and a strong local culture matter to you, this Texas coastal town is a hidden gem.
10. Bay St. Louis, Mississippi
Bay St. Louis is a charming Gulf Coast town with an artsy personality and affordable living. The cost of living is below the national average, and Mississippi’s low property taxes make homeownership even more appealing. Unlike some beach towns that feel overrun by tourists, Bay St. Louis maintains a friendly, small-town atmosphere. It has a thriving arts scene, with galleries, festivals, and live music bringing the community together.
The town’s beachfront is peaceful, perfect for long walks and sunset views. Seafood lovers will enjoy the fresh catches served in local restaurants, often straight from the Gulf. The nearby casinos in Biloxi offer entertainment, while New Orleans is just an hour away for day trips. If you want a relaxed beach town with character, Bay St. Louis is an excellent choice.
11. Brunswick, Georgia
Brunswick, located near Georgia’s Golden Isles, offers coastal beauty without the hefty price tag. It has historic charm, mild winters, and a cost of living that’s lower than many other East Coast beach towns. While places like St. Simons Island and Jekyll Island can be pricey, Brunswick provides an affordable alternative just minutes away. Retirees here enjoy easy access to beaches, golf courses, and delicious Southern cuisine.
The town’s waterfront and historic district are full of charm, with scenic walking trails and parks. Because it’s not a major tourist hotspot, Brunswick maintains a relaxed, welcoming atmosphere. Healthcare facilities are solid, and Savannah is just an hour away for additional amenities. If you want East Coast beach living at a fraction of the cost, Brunswick is a smart pick.
12. Fort Pierce, Florida
Fort Pierce is one of Florida’s most affordable beach towns, offering a relaxed lifestyle without the high prices of Miami or Naples. The cost of living is lower than the Florida average, and home prices are reasonable for a coastal city. With its charming downtown, farmers’ markets, and beautiful beaches, it’s a great spot for retirees looking for a slower pace. Plus, Florida’s tax-friendly policies mean you won’t have to worry about state income tax.
Nature lovers will appreciate the area’s many parks, including the stunning Fort Pierce Inlet State Park. The city has a strong sense of community, with local events and waterfront dining options that feel more small-town than big city. While it has a more laid-back feel, it’s still close to larger cities like West Palm Beach for additional amenities. If you’re looking for an affordable Florida beach town with old-school charm, Fort Pierce is a fantastic option.
13. Freeport, Texas
Freeport is a quiet Gulf Coast town that offers affordable beachfront living just an hour south of Houston. The cost of living is lower than the Texas average, and home prices are far more reasonable than in pricier beach destinations. With its long stretches of uncrowded beaches and excellent fishing opportunities, Freeport is ideal for retirees who want a peaceful, budget-friendly retreat. Texas’ lack of a state income tax makes it even more attractive for those looking to maximize their retirement savings.
The town has a strong maritime culture, with shrimp boats and fishing charters dotting the waterfront. The beaches here feel more secluded compared to tourist-heavy destinations, making it a great place to relax. While Freeport itself is quiet, nearby Lake Jackson offers additional shopping, dining, and medical services. If you’re looking for an affordable beach town where you can enjoy nature without breaking the bank, Freeport is worth checking out.
