News & Trending Real Estate News

12 Places To Retire That Are Just Like Hawaii (But Aren’t in Hawaii)

If Hawaii is too expensive for your retirement budget, check out these 12 mainland cities.

By Josh Koebert , Edited by Calista Headrick

Updated Nov. 4, 2026

Add Us On Google

You might dream of retiring in Hawaii, from incredible beaches and the Pacific Ocean to a slow, laid-back lifestyle and fantastic food. But what if you can't afford it?

Believe it or not, some places in the Lower 48 can help you recreate Hawaii's vibe for much less. Check out these 12 mainland cities where you can enjoy Hawaii's most desirable features while saving money in retirement.

Set up eligible direct deposit - pocket up to $400

Set up an eligible direct deposit with SoFi Checking and Savings and you could earn a bonus of $50 or $400.¹ New and existing Checking and Savings members who have not previously enrolled in Direct Deposit with SoFi are eligible to earn a cash bonus of either $50 (with at least $1,000 total Eligible Direct Deposits received within 25 calendar days of your first Eligible Direct Deposit of $1 or more) OR $400 (with at least $5,000 total Eligible Direct Deposits received within 25 calendar days of your first Eligible Direct Deposit of $1 or more). Cash bonus amount will be based on the total amount of Eligible Direct Deposit received within 25 calendar days of your first Eligible Direct Deposit of $1 or more. If you have satisfied the Eligible Direct Deposit requirements but have not received a cash bonus in your Checking account, please contact us at 855-456-7634 with the details of your Eligible Direct Deposit. Direct Deposit Promotion begins on 5/15/2026 and will be available through 12/31/2026. Full terms at <a href="https://www.sofi.com/banking/">sofi.com/banking</a>. SoFi Checking and Savings is offered through SoFi Bank, N.A., Member FDIC. SoFi members with Eligible Direct Deposit can earn 3.30% annual percentage yield (APY) on savings balances (including Vaults) and 0.50% APY on checking balances. There is no minimum Eligible Direct Deposit amount required to qualify for the 3.30% APY for savings (including Vaults). Members without Eligible Direct Deposit will earn 0.80% APY on savings balances (including Vaults) and 0.50% APY on checking balances. Interest rates are variable and subject to change at any time. These rates are current as of 9/23/26. Fees may reduce earnings. Additional information can be found at <a href="https://d32ijn7u0aqfv4.cloudfront.net/wp/wp-content/uploads/raw/SoFi-Bank-Rate-Sheet-September-23-2026.pdf">http://www.sofi.com/legal/banking-rate-sheet</a>. Make the switch, set up eligible direct deposit, earn the bonus. It basically takes no extra work at all other than following these steps.

Why people are switching: This account earns up to an insane 4.40% APY² Earn up to 4.40% Annual Percentage Yield (APY) on one SoFi Savings account with a 1.10% APY Boost (added to the 3.30% APY as of 10/20/26) for up to 6 months. Open your first SoFi Checking and Savings account and receive eligible direct deposits OR qualifying deposits of $5,000 every 31 days by 12/31/27. Rates are variable, subject to change. Terms apply at <a href="https://www.sofi.com/banking/#4">sofi.com/banking#4</a>. SoFi Bank, N.A. Member FDIC. on savings for up to six months on new accounts (3.30% APY standard + 1.10% APY boost; terms apply) on top of that $50 or $400 bonus.¹ New and existing Checking and Savings members who have not previously enrolled in Direct Deposit with SoFi are eligible to earn a cash bonus of either $50 (with at least $1,000 total Eligible Direct Deposits received within 25 calendar days of your first Eligible Direct Deposit of $1 or more) OR $400 (with at least $5,000 total Eligible Direct Deposits received within 25 calendar days of your first Eligible Direct Deposit of $1 or more). Cash bonus amount will be based on the total amount of Eligible Direct Deposit received within 25 calendar days of your first Eligible Direct Deposit of $1 or more. If you have satisfied the Eligible Direct Deposit requirements but have not received a cash bonus in your Checking account, please contact us at 855-456-7634 with the details of your Eligible Direct Deposit. Direct Deposit Promotion begins on 5/15/2026 and will be available through 12/31/2026. Full terms at <a href="https://www.sofi.com/banking/">sofi.com/banking</a>. SoFi Checking and Savings is offered through SoFi Bank, N.A., Member FDIC. SoFi members with Eligible Direct Deposit can earn 3.30% annual percentage yield (APY) on savings balances (including Vaults) and 0.50% APY on checking balances. There is no minimum Eligible Direct Deposit amount required to qualify for the 3.30% APY for savings (including Vaults). Members without Eligible Direct Deposit will earn 0.80% APY on savings balances (including Vaults) and 0.50% APY on checking balances. Interest rates are variable and subject to change at any time. These rates are current as of 9/23/26. Fees may reduce earnings. Additional information can be found at <a href="https://d32ijn7u0aqfv4.cloudfront.net/wp/wp-content/uploads/raw/SoFi-Bank-Rate-Sheet-September-23-2026.pdf">http://www.sofi.com/legal/banking-rate-sheet</a>. That's way better than the measly 0.38% APY (as of 10/19/26)³ Based on <a href="https://www.fdic.gov/national-rates-and-rate-caps">this</a> FDIC data, as of 6/15/26. national average savings accounts offer.

No monthly fees and no surprises. Open your account and earn up to a $400 bonus

Austin, Texas

Despite not being on the West Coast, Austin shares some of the same exciting vibe as Hawaii. This Texas city is eclectic and cosmopolitan, but gives retirees plenty to do both indoors and outdoors.

Besides its mouth-watering cuisine, another shared point with Hawaii, Texas's capital welcomes retirees with a cost of living above the national average, largely because of housing. However, that is still well below Hawaii's costs.

Shopping for cheaper auto insurance? Enter your zip code here to get started.

Charleston, South Carolina

Charleston is one of the few places on the mainland that compare favorably with Hawaii and isn't in Florida, California, or Texas. This history-rich city offers seniors beautiful beaches and a vibrant food culture.

Charleston isn't the most affordable location in South Carolina. However, its typical home value is still about 30% lower than Hawaii's, according to Zillow.

Delray Beach, Florida

Delray Beach also shares something with Hawaii, namely, year-round sunshine. And if you appreciate the strong Japanese culture in Hawaii, Delray Beach has you covered with the Morikami Museum & Japanese Gardens.

The Florida city is also more affordable than Hawaii. If you don't mind trading the Pacific for the Atlantic Ocean, it's one of the best Hawaii-like retirement spots.

Destin, Florida

Destin is a good choice if you love Hawaii for its proximity to the ocean and serene beach areas. The city is the home of the Big Kahuna's Water & Adventure Park, which attracts many families to the area, but it still has many quiet, unassuming spots you can frequent.

Destin's popularity with tourists translates to somewhat higher prices than other areas of Florida. Still, it beats Hawaii when it comes to housing costs and grocery prices.

Galveston, Texas

This beautiful seaside city used to be an important port. If you move to Galveston, you can enjoy a laid-back city life and still have plenty of historic buildings and museums to explore.

Like Hawaii, Galveston offers lots of outdoor adventure and pristine shorelines. Its location in the Houston metro area means it's not the cheapest retirement destination in Texas, but it's still significantly less expensive than Hawaii.

Grand Isle, Louisiana

Like Hawaii, Grand Isle offers residents white sandy beaches, a variety of wildlife, and incredible seafood feasts. It also has a small-town feel that'll help you recharge.

Grand Isle has the added benefit of being close to New Orleans. Despite that proximity, its cost of living is surprisingly low.

Grow Your $$: 11 brilliant ways you could build wealth after 40

Mobile, Alabama

One can argue that the Gulf Coast of Alabama couldn't be more different than Hawaii's Pacific waters. However, you can still enjoy the same water activities and delicious, fresh food in both locations.

Mobile's typical home value is about 46% lower than the national figure, according to Zillow. While summers can be hot, the city more than makes up for it with its tight-knit community, along with its Southern hospitality and charm.

Oxnard, California

Oxnard, California, shares Hawaii's beautiful shorelines, beaches, and pleasant coastal climate. The similarities don't end there, either. Despite its proximity to Los Angeles, Oxnard is primarily an agricultural city, much like Hawaii.

Unlike Hawaii, Oxnard offers retirees lower median home prices and rents. Coupled with the lower overall cost of living and the fact that you'll save money on travel by not leaving the mainland, these advantages make Oxnard a great alternative to Hawaii.

Pensacola, Florida

Like Hawaii, Pensacola is a popular tourist destination. Most visitors enjoy the ocean, beautiful beaches, fresh seafood, and their favorite outdoor activities.

Pensacola is a great substitute for Hawaii if your retirement budget is lower than the nationwide average. Its typical home value is about 28% lower than the national figure, according to Zillow, and groceries and bills are much cheaper than in the Aloha State.

Get instant access to hundreds of discounts

Over 50? Join AARP today— because if you’re not a member you could be missing out on huge perks like discounts on travel, dining, and even prescriptions.

Get 25% off membership — just $15 for your first year with auto-renewal — and a free gift if you join today.

Become an AARP member now

Sarasota, Florida

Sarasota is a strong pick if you love Hawaii's beaches and laid-back pace but want to stay on the mainland. Siesta Key Beach is famous for its soft, white quartz sand, and the city's cultural scene includes The Ringling museum complex.

Florida has no state income tax, and Sarasota's typical home value of about $411,000 is roughly half of Hawaii's, according to Zillow. Travel is easy, too, since Sarasota-Bradenton International Airport offers nonstop flights to nearly 70 destinations.

Ventura, California

If your main attraction to Hawaii is the Pacific Ocean, you're not alone. Many seniors share your love of this huge body of water, and Ventura gives you access to the same waters that lap the tranquil beaches of Hawaii.

While Ventura's typical home value is actually slightly higher than Hawaii's, according to Zillow, California's cost of living is still lower than Hawaii's.

Wilmington, North Carolina

If you enjoy Hawaii because you enjoy being a tourist, Wilmington, North Carolina, may be right up your alley. This historic coastal city has so many things to explore that you'll feel like a tourist even during retirement.

Besides the beautiful beaches and nature, Wilmington welcomes retirees with a low median home price, affordable health care, and numerous outdoor pursuits.

Supercharge your investments: See what could happen if you add fine art to your investment portfolio

Bottom line

According to the World Population Review's Cost of Living Index, Hawaii tops the list for the most unaffordable state. Housing costs are a major reason why, so the island paradise of Hawaii remains out of reach for many seniors.

Still, you can enjoy a similar lifestyle and avoid wasting money by picking one of these cities with a similar vibe. These locations offer retirees coastal living, wonderful shorelines, a pleasant climate year-round, and amazing food, at a fraction of Hawaii's steep cost of living.

More from FinanceBuzz:

Help Protect Your Savings From Stock Market Volatility With Gold

American Hartford Gold Benefits

American Hartford Gold helps individuals protect their retirement by rolling over IRAs and 401(k)s into physical gold.
Includes FREE IRA rollover and storage for up to 3 years.
Get up to $20,000 in free silver on qualifying purchases.

Download your guide for free