Gentle ocean breezes, sun-drenched mornings, and endless shoreline walks paint a picturesque retirement dream for countless Americans. This aspiration to embrace the perfection of coastal living could become a possibility for those with a solid retirement roadmap.
America’s stunning coastlines offer far more than postcard-worthy views. Today’s beach towns have evolved into vibrant retirement havens that blend laid-back coastal charm with all the amenities. From Florida’s crystalline shores to Oregon’s majestic Pacific coast, seaside communities present a rich tapestry of options for aspiring beach bum retirees.
Luxury living by the sea once came at a premium, but things have changed. Surprisingly, pockets of affordability have popped up throughout America’s coastline. These thoughtfully designed communities make oceanfront living feasible on most retirement incomes.
We’ve scoured the coasts to find ten exceptional beach towns that are all but literally beckoning retirees. We’ve taken a critical look at living expenses, healthcare, social atmosphere, and quality-of-life metrics of each of these places — there’s a fit for everyone looking to make life a beach.
Why Retire to a Coastal Town?
The unique blend of health benefits, lifestyle advantages, and financial considerations of retiring in a coastal area is like a natural medicine, making it an attractive option. Coastal living promotes physical and mental well-being — outdoor activities like walking, swimming, and kayaking support fitness and joint health.
Mineral-rich sea air can improve respiratory health and enhance brain oxygenation while soothing sounds and scenic views further reduce stress and enhance mental clarity. Sunlight exposure can also boost vitamin D levels, essential for bone health and immune function. And you can get all these benefits without a prescription by simply living by the beach.
The lifestyle in coastal towns is often relaxed and community-oriented, with a slower pace of life that fosters mindfulness and tranquility. Coastal communities tend to host vibrant social scenes that allow retirees to get involved in local events or recreational activities like fishing, birdwatching, and beach yoga. These communities emphasize wellness — access to fresh, healthy seafood, walking trails, and beaches that become natural gyms, all of which promote physical health.
The costs of coastal retirement can vary widely. States like Florida and Texas offer tax-friendly policies, including no state income tax, while areas like Gulfport, Mississippi, and Pensacola, Florida, provide affordable housing options.
If you’re looking to move somewhere with higher living costs, particularly on the West Coast, having a financial advisor is crucial. Retirees must keep in mind hurricanes and other weather risks, as well as the cost of insurance. Get matched with a financial advisor to ensure your beachside retirement plan doesn’t overlook crucial considerations.
Top 10 Beach Towns for Retirement
If your fully set on capitalizing on the benefits of retiring on the coast (and have a solid plan for how to bankroll it), the next step is to select the right seaside community. While the U.S. boasts almost 100,000 miles of coastline, a few towns stand out for people nearing retirement.
The perfect retirement communities have an optimal blend of affordability, healthcare access, recreational opportunities, and that coveted coastal real estate. Here are ten coastal towns that consistently stand out as some of the best places to retire.
1. Myrtle Beach, South Carolina
Myrtle Beach, South Carolina, is a premier retirement destination that combines affordability, natural beauty, and a vibrant community, making it an ideal choice for retirees seeking a coastal lifestyle.
The city’s cost of living is approximately 11% lower than the national average, with housing costs significantly more affordable than other coastal areas. South Carolina’s tax-friendly policies, including no state tax on Social Security benefits and a $15,000 retirement income deduction, further enhance its financial appeal for retirees.
But what you’re really here for is 60 miles of sandy beaches along the Grand Strand provide endless opportunities for relaxation and outdoor activities like walking, swimming, and fishing. Myrtle Beach’s humid subtropical climate, with over 215 sunny days annually, ensures year-round enjoyment. Plus, golf enthusiasts will find over 100 courses, earning the city its reputation as the “Golf Capital of the World.”
Healthcare is another strong point, with facilities like Grand Strand Medical Center and Tidelands Health offering award-winning services, including specialized geriatric care. Senior-friendly amenities, such as the Grand Strand Senior Center and continuing care communities like Brightwater, provide social engagement and support for aging in place.
Culturally, Myrtle Beach offers a vibrant arts scene, live performances, and events like the “Nights of a Thousand Candles” at Brookgreen Gardens. This blend of affordability, recreational opportunities, quality healthcare, and community-focused living makes Myrtle Beach a top choice for retirees seeking a fulfilling and scenic coastal lifestyle.
2. Pensacola, Florida
Pensacola, Florida is a top choice for those seeking a coastal lifestyle as it offers an appealing mix of affordability, natural beauty, and a vibrant community. The cost of living in Pensacola is below the national average, with housing costs approximately 25% lower than the U.S. average.
Florida’s lack of state income tax further enhances its financial appeal, allowing retirees to maximize their savings. Compared to other coastal destinations like Destin or Fairhope, Pensacola stands out as a budget-friendly option without sacrificing quality of life.
The city’s healthcare infrastructure is robust, with facilities like Ascension Sacred Heart and Baptist Hospital providing specialized geriatric care, chronic disease management, and rehabilitation services. Community organizations, such as the Council on Aging of West Florida, offer additional support through programs like Meals on Wheels and senior companion services, ensuring retirees have access to comprehensive care and resources.
Pensacola’s natural features are what make this place enticing. Its sugar-white beaches and emerald-green waters, including the renowned Pensacola Beach and Gulf Islands National Seashore, provide endless opportunities for relaxation and outdoor activities like fishing, hiking, and birdwatching. The mild subtropical climate, with warm summers and mild winters, allows for year-round enjoyment of these amenities.
Culturally, Pensacola is rich in history and the arts, with attractions like the National Naval Aviation Museum, Historic Pensacola Village, and Saenger Theatre. The city also fosters a strong sense of community through senior centers, local events, and volunteer opportunities, making it an ideal destination for retirees seeking an active, fulfilling lifestyle.
3. Rehoboth Beach, Delaware
Rehoboth Beach, Delaware, is a picturesque coastal town that offers retirees a unique blend of financial advantages, excellent healthcare, and an active, fulfilling lifestyle. Known for its iconic mile-long boardwalk and pristine beaches, the town provides a tranquil-yet-vibrant environment for those looking to enjoy their golden years by the sea.
The lifestyle offerings in Rehoboth Beach are compelling. From scenic beach walks and water activities to cultural events like the Sea Witch Festival and art exhibits, the town fosters an active and engaging community. Its proximity to major cities like Washington, D.C., and Philadelphia makes Rehoboth Beach a well-rounded choice for retirees seeking a community with coastal charm and connection to urban hotspots.
One of the most significant draws of Rehoboth Beach is Delaware’s tax-friendly policies. The state has no sales tax, low property taxes, and exemptions on Social Security income, along with pension income exclusions of up to $12,500 for residents aged 60 and older.
The financial benefits of Delaware help retirees stretch their budgets, even in a town where the cost of living is slightly above the national average (driven primarily by higher housing costs). Median home prices hover around $754,790, but the absence of sales tax and low utility costs help offset other expenses.
Healthcare in Rehoboth Beach is robust, with facilities like ChristianaCare and Beebe Healthcare offering comprehensive services, including specialized geriatric care. Assisted living and home care options are also widely available, ensuring retirees have access to quality care tailored to their needs.
4. Corpus Christi, Texas
Corpus Christi, Texas, is a coastal haven that makes a laid-back lifestyle affordable. Known for its miles of sandy beaches and warm Gulf breezes, the city provides a scenic backdrop for a retirement filled with relaxation and recreation.
The city’s subtropical climate, with over 250 sunny days annually, supports year-round outdoor activities. Retirees can enjoy fishing, kayaking, and birdwatching at Padre Island National Seashore or explore the South Texas Botanical Gardens. Cultural attractions like the USS Lexington Museum and Texas State Aquarium add to the city’s charm, while festivals and community events foster a welcoming atmosphere.
One of the biggest draws is the cost of living, which is 6% below the national average. Housing is particularly affordable, with median home prices ranging from $210,500 to $347,000, making it a budget-friendly option compared to other coastal cities.
Texas’s lack of state income tax allows retirees to keep more of their Social Security and retirement income. Seniors also benefit from property tax exemptions, reducing homeownership costs even further.
Healthcare in Corpus Christi is robust, with facilities like CHRISTUS Spohn Hospital and Corpus Christi Medical Center offering specialized geriatric care and advanced medical services. Senior resources, such as the Area Agency on Aging of the Coastal Bend, provide additional support, including transportation, meal services, and caregiver assistance.
5. La Jolla, California
La Jolla, California, is a premier retirement destination that combines breathtaking coastal beauty, world-class healthcare, and a vibrant lifestyle. Nestled along the Pacific Ocean, this upscale community offers retirees a unique blend of luxury and tranquility, making it an ideal place to enjoy their golden years.
La Jolla’s lifestyle is it’s big draw — a Mediterranean climate, mild temperatures, and over 300 sunny days annually makes year-round outdoor activities like hiking, kayaking, and golfing possible. Cultural attractions, including the La Jolla Playhouse and the Museum of Contemporary Art San Diego, provide intellectual and artistic stimulation. Overall, La Jolla offers retirees a luxurious and fulfilling coastal lifestyle.
One of the downsides of La Jolla is that the cost of living is significantly higher than the national average, with median home prices around $2.3 million and rental costs for one-bedroom apartments ranging from $1,800 to $2,800 per month. While housing is expensive, California’s property tax relief programs for seniors and the absence of state taxes on Social Security benefits provide some financial relief.
Adding to that, daily expenses like groceries and healthcare exeedingly above average. Retiring in La Jolla will run you a significant bill, making it best suited for retirees with substantial savings or steady income. Match with a financial advisor for free to get help creating a financial plan that makes relocation to Southern California possible
Finally, healthcare in La Jolla is exceptional, with facilities like UC San Diego Health offering top-tier geriatric care, including California’s first accredited geriatric emergency department. Additional services, such as in-home care and specialized senior living communities like White Sands La Jolla, ensure retirees have access to comprehensive medical and wellness support.
6. Biloxi, Mississippi
Biloxi, Mississippi, is a hidden gem for retirees seeking an affordable, vibrant coastal lifestyle. With a cost of living nearly 17% below the national average, Biloxi offers retirees significant financial advantages. Housing is particularly budget-friendly, with median home prices around $179,100 — 47% lower than the national average—and rental costs for a two-bedroom apartment averaging $980 per month.
Biloxi doesn’t compromise on optimizing lifestyle. The city boasts 26 miles of white-sand beaches, perfect for relaxing or enjoying outdoor activities like fishing and boating. Its vibrant casino scene, cultural attractions like the Ohr-O’Keefe Museum of Art, and year-round events provide endless entertainment.
You can stretch your savings on rveryday expenses such as groceries and utilities since they cost below national averages. Mississippi’s tax-friendly policies further enhance affordability, as Social Security benefits and most retirement income — including pensions and 401(k)s — are exempt from state income tax. Seniors can also benefit from property tax exemptions, reducing homeownership costs even further.
Healthcare in Biloxi is robust, with access to multiple hospitals, including Merit Health Biloxi and the VA Gulf Coast Medical Center, which cater to a range of medical needs, from routine care to specialized geriatric services.
Assisted living facilities like Brookdale Biloxi and SummerHouse Bay Cove provide additional support, including memory care and wellness programs, ensuring retirees have access to comprehensive care. Combined with its mild subtropical climate and welcoming Southern charm, Biloxi is an affordable, safe, and fulfilling coastal haven for retirees.
7. Cape Carteret, North Carolina
Cape Carteret, North Carolina, is a picturesque coastal town that offers retirees a harmonious blend of affordability, healthcare access, and a vibrant lifestyle. Nestled along the Crystal Coast, it provides a tranquil environment with modern conveniences, making it an ideal retirement destination.
Cape Carteret’s mild climate and proximity to Emerald Isle’s beaches and the Croatan National Forest allows for year-round outdoor activities like fishing, kayaking, and hiking. The town’s close-knit community fosters social engagement through events like potluck dinners and senior programs at the Leon Mann Jr. Enrichment Center.
One of Cape Carteret’s standout features is its affordability. While the median home price of $415,000 is higher than the national average, Carteret County’s property tax rate of 0.34% is among the lowest in North Carolina, helping retirees stretch their budgets.
North Carolina does not tax Social Security benefits, and seniors may qualify for property tax relief programs, further reducing costs. Plus, everyday expenses like groceries and utilities are close to the national average, making the overall cost of living manageable.
Healthcare access is another major advantage, with nearby facilities like Carteret Health Care in Morehead City providing comprehensive services, including emergency care and specialized treatments. For routine needs, Western Carteret Medical Center offers convenient options, while in-home care services and assisted living facilities ensure retirees have access to long-term support. Overall, Cape Carteret is a coastal haven for retirees seeking a fulfilling and balanced lifestyle.
8. Astoria, Oregon
Astoria, Oregon, is a picturesque coastal town that offers retirees a unique blend of affordability, healthcare access, and vibrant lifestyle opportunities. Nestled at the mouth of the Columbia River, Astoria’s scenic beauty and rich cultural heritage make it an appealing destination for those seeking a fulfilling retirement.
Astoria’s cool summers and mild winters allows for year-round outdoor activities like walking the Riverwalk, fishing, and exploring nearby forests. Its rich cultural scene includes museums, festivals, and a thriving arts community. The Astoria Senior Center fosters social engagement through events, classes, and volunteer opportunities, creating a welcoming environment.
While the cost of living in Astoria is slightly above the national average, it remains manageable for retirees. Housing costs are a significant factor, with median home prices around $475,000 and average rents for a one-bedroom apartment at $1,250 per month.
However, Oregon’s lack of a sales tax and moderate state income tax rates balance out housing costs. Everyday costs like groceries and utilities are also slightly higher than average, but the town’s charm and amenities make it worthwhile. With smart budgeting and the help of a skilled financial advisor, retirement on the picturesque Pacific Northwest coast could be possible. Take our advisor matching free quiz to start exploring your options.
Lastly, healthcare in Astoria is robust, with facilities like Columbia Memorial Hospital and Clatsop Care Center Health District providing comprehensive services, including in-home care, memory care, and skilled nursing. The Astoria Senior Center also connects retirees to essential health resources and support groups, ensuring access to quality care. Astoria’s natural beauty, strong community, and cultural depth makes it a standout choice for retirees seeking a balanced and enriching coastal lifestyle.
9. St. Augustine, Florida
St. Augustine, Florida, is a standout retirement destination that blends historical charm, modern amenities, and a vibrant coastal lifestyle. Known as the oldest city in the United States, it offers retirees a unique mix of affordability, excellent healthcare, and enriching activities.
St. Augustine boasts a mild climate, with winter temperatures averaing 70°F — typical in Flordia, but hard to beat anywhere else in America. The outstanding weather means beaches are open for business year-round.
The city’s rich history is reflected in landmarks like the Castillo de San Marcos and cultural events such as the Nights of Lights festival. Active adult communities and the St. Augustine Senior Center foster social connections, making it easy for retirees to engage with others and enjoy a fulfilling lifestyle.
St. Augustine is slightly more expensive than other places, with a cost of living index of 110. Housing is the primary driver — median home prices are around $448,000 — but Florida has other things going for it to make up for that. For one, the state’s lack of state and Social Security income taxes make it financially appealing for retirees. Additionally, property tax exemptions for seniors and the absence of estate or inheritance taxes further enhance its affordability.
St. Augustine has state of the art facilities like Flagler Hospital and UF Health St. Johns offering specialized care for seniors among its comprehensive list of services. In-home care options and assisted living facilities, such as Brookdale St. Augustine, mean tailored support is there for those who need it. As a bonus, the nearby Mayo Clinic in Jacksonville provides world-class medical care for more complex needs.
10. Virginia Beach, Virginia
Virginia Beach is a vibrant coastal city that offers retirees a balanced mix of affordability, outdoor recreation, healthcare access, and cultural opportunities. Its temperate climate, with mild winters and warm summers, allows for year-round enjoyment of the city’s natural beauty and outdoor activities.
With over 200 sunny days annually, retirees can explore the area’s beaches, parks, and trails, including First Landing State Park and the Back Bay National Wildlife Refuge, which are perfect for hiking, kayaking, and wildlife observation.
Events like the Neptune Festival, farmers’ markets, and senior-focused recreation centers foster a strong sense of community. Transportation services, such as I-RIDE and HRT Paratransit, ensure make it easy to stay connected and active without a car.
The cost of living in Virginia Beach is slightly above the national average. Housing costs are reasonable for a coastal city, with a median home price of $370,000, and property taxes are among the lowest in the region at 0.99%. Additionally, Virginia’s income tax rates, ranging from 2% to 5.75%, are moderate, and the state offers tax relief programs for seniors.
When it comes to Healthcare, the system in Virginia Beach is robust. Facilities like JenCare Senior Medical Center and numerous assisted living options provide comprehensive care to retirees. Community health initiatives and Medicare support services further enhance access to quality medical care. Virginia Beach’s combination of affordability, recreation, outstanding healthcare, and community practically makes it a beachside resort designed for retirees.
Factors to Consider When Choosing a Coastal Town
Relocating to a coastal community for retirement has tons of benefits, but also notable challenges — it’s essential to weigh your options carefully. Coastal living provides an unrivaled quality of life: access to stunning natural beauty and opportunities for outdoor recreation promote physical and mental well-being.
Coastal towns also boast vibrant cultural scenes, with festivals, art events, and senior-friendly programs fostering social engagement and a sense of community. On top of that, states like Florida offer tax advantages for retirees, making it attractive for those seeking financial optimization.
However, life on the coast is no walk in the beach. There are tradeoffs, such as higher housing costs and living expenses — desirability and limited availability drive these higher each year. Luckily, most of these concerns can be easily addressed by a skilled financial planner. Use our free tool to match with an advisor who can help you sit pretty on a beach chair in no time.
Another is environmental risks: hurricanes, flooding, and erosion all pose significant threats to property and safety — and your wallet when it comes to higher insurance premiums. Don’t forget about climate change, which means rising sea levels and increasingly extreme weather straining infrastructure and accessibility, particularly for those with mobility or health concerns.
Seasonal tourism is often overlooked; Overcrowding, increased traffic, and competition for resources may disrupt the tranquility you seek in retirement. Ultimately, coastal living offers a fulfilling lifestyle with health and social benefits, but you must consider financial stability, environmental risks, and community sustainability to ensure their relocation to the beach aligns with your vision of a secure and enjoyable retirement.
Pros and Cons of Coastal Living for Retirees
| Advantages | Disadvantages |
| Scenic Beauty and Recreation: Stunning ocean views and activities like beach walks, fishing, and kayaking. | High Cost of Living: Elevated housing costs and maintenance expenses due to saltwater damage. |
| Mild Climate: Coastal areas often enjoy moderate winters and cool breezes in summer. | Natural Disaster Risks: Vulnerability to hurricanes, flooding, and erosion, increasing insurance premiums. |
| Vibrant Social and Cultural Life: Festivals, art events, and senior clubs create community engagement. | Seasonal Crowds: Tourist influx can lead to traffic, overcrowding, and limited access to amenities. |
| Access to Quality Healthcare: Many coastal areas are near top-tier hospitals and specialized senior care. | Environmental and Health Concerns: Humidity, pests, and mold can impact comfort and health, especially for retirees with allergies or respiratory issues. |
| Financial Benefits: States like Florida offer no income tax, and others provide tax relief for seniors. | Limited Economic Opportunities: Slower economic growth in some towns may affect service availability and infrastructure. |
| Diverse Housing Options: Retirement communities, beachfront condos, and assisted living facilities cater to varied needs. | Transportation Challenges: Seasonal traffic congestion and limited transit options in some areas. |
FAQs
Q1. What are some affordable beach towns for retirement? Some affordable beach towns for retirement include Gulfport, Mississippi; Pensacola, Florida; Corpus Christi, Texas; Astoria, Oregon; and Biloxi, Mississippi. These locations offer a combination of coastal living, reasonable cost of living, and amenities suitable for retirees.
Q2. What factors should I consider when choosing a coastal retirement destination? When selecting a coastal retirement destination, consider factors such as cost of living, healthcare access, climate patterns, transportation options, community demographics, and the local economy. It’s also important to evaluate the availability of retirement-specific amenities and proximity to family and essential services.
Q3. How can a financial advisor help with planning a beach retirement? A financial advisor can assist with beach retirement planning by helping manage retirement accounts, creating strategic income plans, addressing coastal-specific considerations like property insurance, and optimizing tax efficiency. They can also provide guidance on estate planning and maintaining financial security in beach retirement locations.
Q4. What are some popular activities for retirees in beach towns? Popular activities for retirees in beach towns include walking or jogging on the beach, golfing, fishing, boating, participating in water sports, attending cultural events and festivals, joining social clubs, and engaging in outdoor recreational activities like hiking and birdwatching.
Q5. Are there any tax benefits to retiring in certain beach towns? Yes, some beach towns offer tax benefits for retirees. For example, Florida and Texas have no state income tax, which can be advantageous for retirees. Delaware offers property tax relief for seniors and doesn’t tax Social Security benefits. It’s important to research the specific tax policies of each location when considering relocating there for retirement.
