8 Coastal Towns Realtors Swear Are About To Be Retirement Hot Spots

When planning for retirement, more people trade crowded cities and sprawling suburbs for something more laid back. Coastal towns are quickly becoming top choices for retirees thanks to their walkability, relative affordability, rich history and culture, and slower pace of life. 

Whether you're drawn to beachside charm, waterfront views, or a vibrant arts scene, these towns offer the lifestyles many seek in their golden years.

With demand rising, real estate experts say now may be the time to act. From the Gulf Coast to the Pacific Northwest, here are the coastal towns that real estate experts say are worth a closer look.

Located along Florida's Southern Gulf Coast, Punta Gorda is an appealing destination for those seeking a small-town atmosphere in retirement. The city presents a variety of outdoor activities, including boating, fishing, and walking along the scenic Harborwalk. Over half of the population is aged 65 or older, so retirees will find a community with like-minded neighbors.

Florida's lack of state income tax and lower cost of living benefit retirees financially, allowing many to lower their financial stress. Punta Gorda's housing market currently favors buyers, so retirees can secure a good deal in this Florida hotspot.

Nestled along Maryland's Eastern Shore, Easton is a haven for those who appreciate art, culture, and a slower pace of life. Known for its Colonial and Victorian architecture, Easton charms residents with its scenic bike trails, picturesque landscapes, and thriving arts scene.

With a population of around 17,000, the town strikes a balance between amenities and small-town intimacy. "Many retirees appreciate the friendly locals and the sense of belonging that comes from living in a smaller community," says Dee Dee Miller, 2025 Regional Vice President, National Association of REALTORS®.

For those seeking a northeastern waterfront retirement, this small town in the Ocean State might be for you. Narragansett is more affordable than nearby Newport, Cape Cod, and Long Island, and public beach access is abundant. Many beaches are even dog friendly in the cooler months. Just, don't delay, because this area is poised to become a popular one.

"Washington County as a whole is doing very well right now," says Terence Beaty, real estate agent with Mott and Chace Sotheby's International Realty. "Home prices are on the rise, and they're on the market for shorter times… around 20 days for homes on the water."

Smart Drivers, Smarter Savings

Compare car insurance rates in Ohio

See if you qualify for a lower rate in less than 2 minutes

Check Rates

By clicking the button above, I understand and agree that this site uses site visit recording technology (provided by Trusted Form, Jornaya, and Microsoft Clarity) Privacy Policy

Gulfport offers a relaxed coastal lifestyle that appeals to those seeking affordability and convenience. The cost of living is approximately 15% below the national average, according to Realtor.com as of March 2025, the median home sale price stands around $214,000.

Gulfport enjoys a moderate climate and easy access to beaches and outdoor activities. Proximity to Biloxi provides additional amenities, while Mobile and New Orleans are just over an hour away for broader entertainment and healthcare options. This combination of affordability, coastal charm, and accessibility makes Gulfport an attractive option for retirees.

If the Lowcountry is on your mind for retirement, Beaufort is a prime choice. This quaint, seaside town offers retirees a blend of affordability and coastal charm. 

According to Realtor.com, the cost of living in Beaufort is approximately 3% below the national average, with housing expenses about 15% lower, making it an attractive option for those seeking a seaside lifestyle without the high costs.

Beyond its financial appeal, Beaufort is renowned for its historic architecture, scenic waterfronts, and the quintessential Lowcountry ambiance, making it a compelling target for buyers.

Another Eastern Shore town gaining traction for retirees is St. Michaels. This historic coastal town along the Chesapeake Bay gives retirees a tranquil and picturesque environment with a genuine small-town feel. 

The Eastern Shore is renowned for its stunning waterfront views, serene beaches, and lush countryside, and St. Michaels delivers on all fronts.

"The Eastern Shore offers relatively affordable housing options compared to other popular retirement destinations, although prices have increased over the last three to four years," according to Miller. Retirees may want to act quickly if they want to spend their golden years along the Eastern Shore.

This coastal gem blends historical charm with striking natural beauty, making it a compelling choice for retirees seeking a culturally rich and active lifestyle.

With a population of around 9,800, Astoria maintains a close-knit community feel. Retirees can stroll the scenic Astoria Riverwalk and go beachcombing within the expansive Fort Stevens State Park. 

Astoria's walkable downtown with plentiful restaurants and breweries adds to its appeal, while the Columbia River provides ample opportunities for boating, fishing, and other water-based activities.

This Northern California town offers retirees a tranquil lifestyle enriched by natural beauty and historical charm. The city's many parks provide recreational activities for humans and their canine companions, while the Crescent City Harbor supports boating and fishing.

With a population of approximately 5,600 as of 2023, Crescent City maintains its small-town character. The cost of living is about 6.7% lower than the U.S. average​, and almost 38% lower than the state average. 

With a median home sale price around $314,800​, according to Realtor.com, Crescent City remains an affordable place for retirees seeking a serene coastal California environment.

Retiring to a coastal town can be a dream come true, especially if you're trading in the hustle of city life for a more relaxed setting. But retirement is a major transition, and where you choose to live matters.

Keep a close eye on the markets that interest you, stay informed about shifting trends, and make smart money moves now so you're ready when the time comes to make your move. Your perfect coastal home is out there — you just have to be prepared to claim it.