10 Charming Beach Towns Retirees Can Live on a Monthly Budget of $1,800 or Less

Many dream of spending retirement by the coast, and for good reason. Beach towns offer a slower pace, stunning scenery, and plenty of activities to enjoy. But as demand grows, so do the prices, making this out of reach for some. Fortunately, with the proper research, you can find charming, safe, and affordable beach towns where you can still maximize your retirement savings.

We've rounded up a list of beach destinations where it's possible to live well on $1,800 a month or less, and a few others that, while slightly above that threshold, still offer great value.

This hidden gem along the Texas Gulf Coast is quietly becoming a top choice for budget-conscious retirees. Housing costs are especially attractive, with the average rent for a two-bedroom apartment coming in under $1,000 per month. Groceries are similarly low-cost, making it easier to stretch your budget.

About 18% of the population is over 65, creating a welcoming environment for new retirees. Outdoor lovers will appreciate the town's excellent fishing, abundant birdwatching opportunities, and calm, protected waters ideal for paddleboarding and kitesurfing.

Gulfport delivers coastal charm without the high price tag. With a cost of living 15% below the national average, and housing costs 31% lower, retirees can enjoy waterfront living while keeping monthly expenses well under $1,800.

The city offers a range of senior-friendly perks, including discounts and easily accessible waterfront parks perfect for walks, picnics, and relaxation. Health care costs are comparable to the national average, providing peace of mind without added financial strain.

More than a great vacation spot, Myrtle Beach is a popular and affordable retirement destination that combines coastal living with a wide range of senior-friendly amenities. With a cost of living about 7% below the national average and housing costs nearly 30% lower, it's a more budget-friendly alternative to places like Charleston.

The area offers a variety of senior-focused communities, dozens of golf courses, and discounted off-season rentals, making it easy to enjoy an active lifestyle without overspending.

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Known for its budget-friendly motels, relatively low insurance rates, practical perks, and sunny climate, Daytona Beach stands out as a cost-effective option for retirees.

Housing and insurance costs are notably lower compared to other Florida towns, helping to balance out slightly higher-than-average grocery prices. Accessible health care adds to Daytona Beach's retirement appeal, making it a smart choice for those seeking beachfront living for under $1,800 a month.

Located just outside of Corpus Christi, South Padre Island offers laid-back beachside living with several financial perks that make it an attractive option for retirees.

It's a Certified Retirement Community with a median resident age of 59, reflecting its strong appeal to older adults. While housing costs can be higher than the national average, the overall cost of living is kept in check thanks to inexpensive local markets, low property taxes, and below-average costs for groceries and utilities.

Is the "Seafood Capital of the World" waiting for you in retirement? Calabash offers easy access to golf courses, fishing, and other outdoor activities, all within a relaxed and welcoming community.

Housing and rent are both lower than the national averages, and retirees benefit from relatively low property and sales taxes. With the median sale price down more than 50% year over year, Calabash presents a rare opportunity for budget-conscious retirees to settle near the coast without sacrificing lifestyle or amenities.

Pascagoula offers a charming lifestyle with some of the most affordable living options along the Gulf Coast. With a cost of living roughly 20% below the national average and a median home price under $120,000, it's an ideal spot for retirees looking to stretch their savings.

The town provides easy access to beaches, fishing, and other water activities, along with a strong local economy that supports both part-time work and community engagement.

With a cost of living 14% below the national average, and housing costs a striking 44% lower, retirees in Port Arthur can find budget-friendly rentals or homeownership opportunities.

As of June, the median sale price was $135,000, down 10% from the previous year, and the average rent for a one-bedroom apartment remains under $1,200 per month. In addition to its affordability, Port Arthur offers an abundance of outdoor recreation, including fishing, birdwatching, and scenic nature areas, making it a practical and peaceful spot for a water-based retirement.

Pensacola consistently ranks among the top places to retire, offering a mix of beautiful beaches, a warm year-round climate, and a relatively affordable cost of living. With prices below both state and national averages, retirees can enjoy coastal living without the high price tag.

The median sale price was $283,000 in June, and a wide range of senior living options are available to suit different budgets. From boating and beach walks to golf and nature trails, Pensacola offers a wealth of opportunities for outdoor recreation, making it a well-rounded destination for retirees.

Retirees seeking a tight-knit community and family-friendly atmosphere might consider Murrells Inlet. The town offers numerous opportunities for social connection through local events, community programs, and various senior living arrangements. Proximity to Myrtle Beach means residents can access larger-city amenities while enjoying a quieter, more laid-back environment.

While utilities run slightly higher than the national average, lower costs for housing, health care, and transportation help keep the overall cost of living about 7% below the national average.

From Gulf Coast gems to Atlantic escapes, these beach towns prove you don't need a fortune to retire with an ocean breeze. By making informed choices and conducting thorough research, you can avoid wasting money in retirement while still enjoying the coastal lifestyle.

Don't forget to factor in state tax policies. Some, like Florida, have no state income tax, while others provide breaks on retirement and Social Security income. These differences can significantly ease your overall cost of living. With the proper planning, your dream of retiring near the water might be more achievable than you think.