Experts Say These 8 Retirement Waterfront Towns Still Fly Under The Radar

Many soon-to-be retirees dream of living their next chapter in a waterfront gem. But sometimes, the hot spots are either too crowded or too expensive. Luckily, several hidden gems still fly under the radar.

We spoke to experts to find out where the best spots are. These communities offer different combinations of housing costs, tax considerations, health care access, outdoor recreation, and small-town amenities. Comparing those factors can help you identify a waterfront destination that fits both your preferred lifestyle and your retirement budget.

Here are some relatively unknown waterfront towns that might fit perfectly into your retirement plan.

Editor's note: All housing data comes from Zillow, unless otherwise stated.

Average home value: $308,877

Rockport is a Gulf Coast town with plenty of charm. It's a "Gulf Coast town that most people drive through on the way to Corpus Christi," says John Gluch, real estate agent at Gluch Group. As Gluch explains, Rockport has "a fishing and arts community that retirees tend to love once they actually land there."

When you factor in the lack of a state income tax, many retirees can find a lot to like about this quiet waterfront town. Boating, bird-watching, and seafood restaurants support an outdoors-oriented lifestyle, while nearby Corpus Christi expands retirees' options for shopping, specialty care, and air travel.

Average home value: $415,083

At around 45 minutes away from Wilmington, Southport offers residents a reprieve from the hustle and bustle of city life. "Close enough to Wilmington for amenities but quiet enough to actually feel like retirement," says Gluch.

Located on the mouth of the Cape Fear River, residents have miles of coastline to explore in this charming southern town. That location can suit retirees who want waterfront scenery without giving up practical access to a larger city. Southport's compact setting also makes it easier to enjoy local restaurants, shops, and community events. Retirees should still compare flood risk, homeowners insurance, and storm preparedness when estimating the true cost of coastal living.

Average home value: $675,775

Across Puget Sound from Seattle, Poulsbo offers a charming waterfront retreat for retirees seeking an escape. "Museums, restaurants, cafes, art galleries, and shopping are plentiful in the downtown district, with a beautiful marina and waterfront," says Sean McConnell, owner of the McConnell Group real estate team in Seattle, Washington.

And, McConnell adds, "A short drive and a ferry ride put you in Seattle when you're looking for big-city amenities."

Washington's lack of a state individual income tax may also interest retirees, although the higher home value requires careful budgeting. The area's mild summers, maritime scenery, and access to boating and hiking can appeal to active residents. Ferry schedules and travel time should factor into plans for frequent Seattle appointments or entertainment.

Average home value: $489,628

Astoria sits where the Columbia River meets the Pacific Ocean. Gluch describes the town as "walkable, quirky, affordable by Pacific Northwest standards."

The town offers a charming mix of Victorian-style architecture with a backdrop of the rugged Pacific coast. It's home to around 10,000 residents. Plus, the town's senior center offers a full slate of activities, ranging from Tai Chi to bridge six days a week.

That combination gives retirees ways to stay socially and physically active without relying entirely on trips to a larger city. Restaurants, museums, and riverfront views add variety close to home.

Average home value: $934,340

Directly north of Seattle, you'll find Edmonds. "It's set up as an ideal retirement community, with beaches, a blossoming restaurant scene, and access to excellent health care," says McConnell.

With a beautiful view of the Olympic Mountains across from Puget Sound, you'll never get tired of the waterfront. Additionally, you'll find dozens of classes and activities offered at the senior center each week.

The home value makes Edmonds the priciest option on this list, so housing costs may be the central trade-off. In return, retirees can remain connected to the Seattle area while enjoying a smaller waterfront community. Walkability, ferry access, and cultural activities may help residents maintain an active lifestyle as they age.

Average home value: $275,246

Waterfront living doesn't get much more affordable than in this Gulf Coast town. "Not only is this area affordable, but retirees enjoy the local arts scene, the walkable downtown, and beach access all in one," says Ryann Brier, real estate agent at City Lights Home Buyers in Grand Rapids, Michigan.

For those seeking a warm waterfront, Ocean Springs' price point could make it much more feasible than a traditional Florida retirement. With several highly rated hospitals in nearby Biloxi, finding health care should be easy.

Mississippi's warm climate also supports year-round outdoor time, though heat, humidity, and hurricane exposure belong in any relocation calculation.

Average home value: $287,389

New Bern "stands out because there's water access, history, and a slower pace that some retired people look for," according to Brier. This historic town is the birthplace of Pepsi-Cola, but most retirees may be more impressed by the riverfront walking paths and access to nearby beaches.

As a bonus for your wallet, North Carolina doesn't tax Social Security benefits. Additionally, New Bern's senior center offers activities most weekdays, with everything from trivia and bingo to painting and karaoke.

The home value is also among the lowest on this list, which could help buyers preserve retirement savings for health care, travel, or everyday expenses. Its riverside location supports boating and fishing, while the established downtown adds restaurants and cultural attractions.

Average home value: $438,234

Across the bridge from Ocean City, Somers Point offers a more affordable waterfront market for retirees. With  just a quick ride over the bridge, you'll have access to the seemingly endless coastline in Ocean City. "Somers Point is a very balanced in-between option for retirees who look for the Jersey Shore without the island price," says Brier.

With an active senior center, you'll likely find it easy to make new friends in this town. Plus, the town has several highly rated hospitals within a 15-mile radius, making it easy to find the care you may need.

If waterfront retirement living is your dream, one of these under-the-radar waterfront towns might be the perfect fit. Whether you are looking for a full-time place or a second home with the potential to earn extra income, many of these spots could work.

Before you jump into a move, take some time to visit the place for more than a weekend to confirm you could see yourself enjoying it long-term. Compare the full monthly cost of each option, including property taxes, insurance, utilities, homeowners association fees, and transportation. It is also worth testing access to doctors, groceries, airports, and favorite activities.