9 Charming Beach Towns Retirees Can Live on a Monthly Budget of $1,900 or Less

If you dream of retiring by the water, a beach location seems ideal. But opting for some beach towns could be a big mistake for retirees living on a limited monthly budget. Luckily, there are affordable coastal communities where your retirement dollars can go further.

From the Gulf Coast to the Pacific Northwest, the following are nine beach towns where you can retire comfortably on a budget.

Editor's note: Unless otherwise noted, all data listed below on rent came from Apartments.com, and housing costs from Zillow.com.

Average rent: $953

Average home price: $195,959

Gulfport is situated along the Gulf of Mexico in a location often referred to as the heart of the Secret Coast, where you'll find plenty of entertainment, eateries, and things to do. Winter lows are in the lower 40s with rare snowfall, and summer highs are in the 90s. There are also multiple parks for hiking and birdwatching.

For retirees, Gulfport combines affordable housing and a cost of living that's 15% lower than the national average, creating a budget-friendly place that's hard to beat.

Average rent: $1,007

Average home price: $216,242

Corpus Christi is another beach city along the Gulf of Mexico. It's near the Padre Island National Seashore, the longest stretch of undeveloped barrier islands in the world. Spend the day walking on the beach or birdwatching. There's also fishing, boating, and swimming. Other attractions include the USS Lexington Museum and the Texas State Aquarium.

If you're a renter, you can expect to pay just over $1,000 a month. Utilities, health care, and groceries also cost around 13% less than in other cities in the United States.

Average rent: $1,124

Average home price: $306,390

Saint Marys is the southernmost coastal town in Georgia. It's also the gateway to the Cumberland Island National Seashore, which has undeveloped beaches and beautiful marshes. The downtown historic district features a landscape dotted with fishing boats, museums, antebellum homes, and plenty of shops.

If you're living on a budget, you'll find housing, groceries, and transportation affordable with prices around 16% less than the national average.

Average rent: $1,241

Average home price: $263,427

Titusville is located on the Indian River Lagoon on Florida's Space Coast. Residents have a front row seat to rocket launches taking place at the nearby Kennedy Space Center. Aside from space exploration, Titusville is also an ideal destination for nature lovers. The Merritt Island National Wildlife Refuge is home to hundreds of species of birds, manatees, and alligators.

The cost of living is lower than in many other Florida towns, making it easy for retirees to enjoy a beach lifestyle without a big price tag.

Average rent: $810

Average home price: $315,586

Retirees who prefer the rugged landscapes of the western coast will find Coos Bay a fantastic option. Located in the Pacific Northwest, Coos Bay offers historic buildings, museums, shops, local restaurants, and numerous parks, making it an ideal place for active adults. The Coos Bay Speedway hosts a variety of events and races throughout the year. There's also a local wine cellar offering a unique selection of gifts.

For those who want to live in Oregon, Coos Bay has a cost of living that's 21% lower than the state average and 10% less than the national average. 

Average rent: $781

Average home price: $449,217

Located along the southeast end of Tillamook Bay on the Pacific Ocean, Tillamook is in the heart of Oregon's dairy country. The city offers a rustic feel with dramatic coastlines and a slower pace of life. Those who enjoy the outdoors will find a network of hiking trails and over 800 miles of water for boating, fishing, crabbing, and kayaking.

The cost of renting an apartment is extremely affordable, and the cost of necessities compares with other cities across the nation. 

Average rent: $766

Average home price: $269,693

Aberdeen is the gateway to the Olympic Peninsula and the Pacific Coast. It's a short drive to Ocean Shore and Westhaven beaches, and close enough to the Hoh Rain Forest to make a great day trip. For retirees who value access to nature over resort amenities, Aberdeen is the perfect place to live.

Rent is very affordable, and the cost-of-living is 8% less compared to the U.S. average. 

Average rent: $836

Average home price: $140,573

The Pascagoula River is one of the longest free-flowing rivers in the continental U.S. and is a hub of activity in the city. It's home to wildlife, including over 22 endangered species and over 300 different plants. Residents of this Gulf town can also head to the Palace Casino Resort or take a private charter cruise.

You can expect to pay less than in many cities for an apartment and necessities, like clothing, groceries, and health care, which cost around 16.5% less than the national average.

Average rent: $1,122

Average home price: $313,688

Galveston is an island city with a beautiful historic district and 32 miles of Gulf coastlines. The Moody Gardens is one of Galveston's better-known attractions. It has an outdoor skating rink, giant glass animals, and theme park rides. Houston is about an hour away for those who appreciate city life.

The cost of living is reasonable, with average rents less than $1,200 a month, helping you keep more cash in your wallet. Texas has no state income tax, allowing retirees to retain a larger portion of their earnings at the end of the year.

There are many beach cities throughout the U.S. that offer a variety of activities, affordable living, and a safe environment perfect for a stress-free retirement. These nine cities are starting points that prove you don't need a massive nest egg to live comfortably on the coast.

Aside from the cost of living and home prices, it's important to look at additional costs you might not incur in other areas. Many coastal cities are vulnerable to hurricanes and other inclement weather that can result in increased insurance costs.