America’s Top 10 Most Affordable Beach Towns for Retirees

A staggering 16 million Americans will be turning 65 over the next four years—and some of them might opt to spend their golden years with some sand between their toes.

And while beach towns have long been popular destinations for retirees, many coastal getaways have become unaffordable. And not all are geared toward older people who want to live near healthcare providers or take advantage of lower tax rates.

That’s why it’s important to carefully explore the options when on the hunt for a forever home by the sea.

To help homebuyers pinpoint the best beach towns for their retirement years, Realtor.com combed through Census data to find coastal areas with a large share of households where residents are 55 and older. We also analyzed Realtor.com listing data from May 2024 for the places where properties sell for a low price per square foot. From there, we chose one city per metro area, focusing on zip codes with at least 20 listings.

1. Calabash, NC

Median list price: $367,100

Landing at the top of our list, this quaint fishing village is widely recognized as the seafood capital of the world. In addition to dreamy dining, residents enjoy affordable home prices and a host of other senior-friendly features.

“Retirees appreciate the affordable cost of living, a comfortable climate, and easy access to medical facilities, major highways, and two airports,” says Lisa Ragland, of the Ragland Real Estate Team at Epique Realty. “This charming coastal area at the North Carolina/South Carolina border is far enough away from the fast-paced Myrtle Beach area yet moments away from highly-acclaimed golf courses, entertainment, culture, dining, and shopping along Grand Strand.”

2. Lillian, AL

Median list price: $349,500

For retirees who prefer calm waterways rather than crashing waves, Lillian, AL, delivers with plenty of kayaking, fishing, and boating in Perdido Bay.

The Gulf Coast is just a short drive away, so it’s possible to enjoy the best of both worlds in a small-town setting with a population under 2,000.

This three-bedroom, two-bath home listing below, with views of Florida and the Gulf of Mexico, is perfect for those looking to enjoy the coast from the comfort of their back porch.

3. Punta Gorda, FL

Medial list price: $429,000

Florida is a popular retirement spot for a lot of folks who adore the Sunshine State’s weather and lack of a state income tax. But Punta Gorda is an especially attractive place for the 65-and-up set because it offers a small-town feel while still giving its 20,000 residents access to big-city perks. That includes an award-winning hospital, plus a convention center that’s home to wine, jazz, and art festivals—all against a serene seaside backdrop.

4. Sunset Beach, NC

Median list price: $339,900

Retirees who want the coastal experience but don’t want to go quite so far south may find their own private paradise in Sunset Beach, NC. Aside from the beautiful seaside homes, North Carolina makes a great retirement destination because the Tar Heel State doesn’t tax Social Security benefits, and all other retirement income is taxed at just 4.75%, meaning you’ll have more money in your wallet at the end of each year.

5. Grant-Valkaria, FL

Median list price: $497,500

Florida is always at the top of the list for those looking to hang up their snow shovels when they retire. And on that front, it really doesn’t get much better than Grant-Valkaria, FL. Set along 5 miles of the scenic Indian River Lagoon, this location puts residents just a few minutes away from the perfect spots to go swimming, fishing, or boating. Not only that, but Grant-Valkaria has an airport.

6. Englewood, FL

Median list price: $439,300

Located on the Southwest coast of Florida, Englewood is bliss for boaters, with plenty of opportunities to share and compare water toys like the Englewood Beach Waterfest. Along with its historic charm, Olde Englewood Village is a one-stop shop for everything from fine dining to farmers markets.

7. Crystal River, FL

Median list price: $369,900

Nature lovers will swoon over Crystal River, which is known as the Manatee Capital of the World—home to the country’s only wildlife refuge that caters to this endangered animal. The entire area is rich in parks and wildlife and offers easy access to golf courses and the Gulf of Mexico. Plus, Orlando and Tampa are just over an hour away by car, for those who want big-city amenities.

8. Arapahoe, NC

Median list price: $342,000

With a population of under 500, Arapahoe, NC, is perfect for anyone who wants a true small-town experience. Golf lovers flock to Minnesott Golf & Country Club, and there’s a sailing school for those who want to get out on the water. This tiny town also boasts its own hospital.

9. Venice, FL

Median list price: $459,900

Another Gulf Coast town on this list, Venice, FL, is great for those who want some variety. The area has a vibrant downtown with dozens of restaurants and shops; and for those looking to take in more sand and surf, there’s Venice Beach. The famed shoreline includes spots for enjoying popular water activities—including shark spotting.

10. Hudson, FL

Median list price: $350,000

This surfside town has a big-city feel but still serves up the natural beauty and laid-back vibes you’d expect to find in a beach locale. Only 125 miles northwest of Miami and 170 southeast of Orlando, Hudson isn’t far from the fun. Trust us: That proximity to Disney World is going to come in handy when the grandkids visit!