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This Is America’s Most Affordable Beach Town

This Is America’s Most Affordable Beach Town

Where are the most affordable beach towns in the United States? According to the Office for Coastal Management, 4 out of 10 Americans live in a coastal county. California, Florida, New York, New Jersey, and Texas are the five states with the largest number of coastal residents. I live in a landlocked state, so it’s always been a dream of mine to live in a beach town. Maine is at the top of my list.

One thing is immediately noticeable when I rent a house in a coastal town. People seem less stressed. They take the time to breathe the salty air and enjoy the panoramic views of the ocean or sea. I know I feel so much calmer and more at peace.

Several years ago, I rented a house on Bailey Island in Maine. Neighbors treated us like old friends. The entire island was walkable, so you didn’t need a car to get to a store, restaurant, lobster docks, or one of several beaches. I never wanted to leave. I felt so at home and welcomed. I’ve returned many more times over the years and always felt just as welcome.

If you’re like me and dream of living near the beach, I’ve compiled a list of the most affordable beach towns in the U.S. Join me as I explore them below and see if your favorite beach town makes the list. Maybe you’ll have the inspiration to travel somewhere new and find a tranquil place to call home. (Also, read about the 40 cities with the nicest year-round weather and see how many of these beach towns are close to cities on that list.)

Methodology

To determine the most affordable beach towns, 24/7 Tempo reviewed five-year data on median household value and median household income from the U.S. Census Bureau’s 2022 American Community Survey. Cities, towns, and Census-designated places were ranked based on the ratio of median home value to median household income. Only places with at least 2,500 residents that intersect a beach were considered. Boundary definitions for places came from the U.S. Census Bureau, while boundary definitions for beaches came from the U.S. Environmental Protection Agency.

50. Gloucester Point, Virginia

Source: SeanXu / iStock via Getty Images

Source: SeanXu / iStock via Getty Images
  • Median home value: $278,400 (3.8 times income)
  • Median household income: $73,356
  • Total population: 11,016

49. Stevensville, Maryland

Source: Mark Dignen / iStock via Getty Images

Source: Mark Dignen / iStock via Getty Images
  • Median home value: $446,200 (3.8 times income)
  • Median household income: $117,591
  • Total population: 8,485

48. Jacksonville, Florida

Source: SeanPavonePhoto / iStock via Getty Images

Source: SeanPavonePhoto / iStock via Getty Images
  • Median home value: $243,000 (3.8 times income)
  • Median household income: $64,138
  • Total population: 950,203

47. Kingston, Massachusetts

Source: DejaVu Designs / iStock via Getty Images

Source: DejaVu Designs / iStock via Getty Images
  • Median home value: $468,800 (3.8 times income)
  • Median household income: $124,048
  • Total population: 6,090

46. South Venice, Florida

Source: ablokhin / iStock via Getty Images

Source: ablokhin / iStock via Getty Images
  • Median home value: $267,600 (3.8 times income)
  • Median household income: $71,241
  • Total population: 17,469

45. Rockland, Maine

Source: DenisTangneyJr / iStock via Getty Images

Source: DenisTangneyJr / iStock via Getty Images
  • Median home value: $195,800 (3.8 times income)
  • Median household income: $52,212
  • Total population: 6,986

44. Shallotte, North Carolina

Source: DavidByronKeener / iStock via Getty Images

Source: DavidByronKeener / iStock via Getty Images
  • Median home value: $268,500 (3.7 times income)
  • Median household income: $71,659
  • Total population: 4,213

43. Merrick, New York

Large Winter Storm Brings Snow To The Northeast
Source: Getty Images / Getty Images News via Getty Images

Source: Getty Images / Getty Images News via Getty Images
  • Median home value: $686,400 (3.7 times income)
  • Median household income: $185,368
  • Total population: 21,004

42. Newport News, Virginia

Source: Davel5957 / iStock Unreleased via Getty Images

Source: Davel5957 / iStock Unreleased via Getty Images
  • Median home value: $233,400 (3.7 times income)
  • Median household income: $63,355
  • Total population: 185,118

41. Somers Point, New Jersey

Source: Gruntled / iStock via Getty Images

Source: Gruntled / iStock via Getty Images
  • Median home value: $250,800 (3.7 times income)
  • Median household income: $68,262
  • Total population: 10,482

40. Warwick, Rhode Island

Source: Jeremy D'Entremont, www.lighthouse.cc / Moment via Getty Images

Source: Jeremy D’Entremont, www.lighthouse.cc / Moment via Getty Images
  • Median home value: $294,400 (3.6 times income)
  • Median household income: $81,009
  • Total population: 82,783

39. Safety Harbor, Florida

Sunrise over Tampa Bay. Safety Harbor Pier.
Source: Jacqueline Faust / Shutterstock.com

Source: Jacqueline Faust / Shutterstock.com
  • Median home value: $368,700 (3.6 times income)
  • Median household income: $102,670
  • Total population: 17,087

38. Ogden, North Carolina

Ogden. North Carolina. USA on a map
Source: SevenMaps / Shutterstock.com

Source: SevenMaps / Shutterstock.com
  • Median home value: $404,900 (3.6 times income)
  • Median household income: $113,523
  • Total population: 8,699

37. River Road, North Carolina

Pamlico River at Sunset
Source: Marcus Burnette / iStock via Getty Images

Source: Marcus Burnette / iStock via Getty Images
  • Median home value: $165,400 (3.6 times income)
  • Median household income: $46,434
  • Total population: 3,507

36. Somerset, Massachusetts

Source: DenisTangneyJr / iStock via Getty Images

Source: DenisTangneyJr / iStock via Getty Images
  • Median home value: $369,000 (3.5 times income)
  • Median household income: $105,377
  • Total population: 18,266

35. South Daytona, Florida

Source: UWMadison / iStock via Getty Images

Source: UWMadison / iStock via Getty Images
  • Median home value: $190,200 (3.5 times income)
  • Median household income: $54,898
  • Total population: 13,132

34. Villas, New Jersey

View of hazy skies over a sandy path lined with a split-rail fence leading to a beach in Villas, New Jersey, USA in late June 2023
Source: Here Now / Shutterstock.com

Source: Here Now / Shutterstock.com
  • Median home value: $256,500 (3.5 times income)
  • Median household income: $74,182
  • Total population: 9,925

33. Waveland, Mississippi

Source: CynthiaAnnF / Getty Images

Source: CynthiaAnnF / Getty Images
  • Median home value: $194,900 (3.5 times income)
  • Median household income: $56,396
  • Total population: 7,075

32. Daphne, Alabama

Source: George Dodd / iStock via Getty Images

Source: George Dodd / iStock via Getty Images
  • Median home value: $276,300 (3.4 times income)
  • Median household income: $80,657
  • Total population: 27,861

31. Hoquiam, Washington

Source: Wirestock / iStock via Getty Images

Source: Wirestock / iStock via Getty Images
  • Median home value: $162,700 (3.4 times income)
  • Median household income: $47,614
  • Total population: 8,742

30. Hampton, Virginia

Source: DenisTangneyJr / iStock via Getty Images

Source: DenisTangneyJr / iStock via Getty Images
  • Median home value: $219,800 (3.4 times income)
  • Median household income: $64,430
  • Total population: 137,217

29. Reedsport, Oregon

Source: halbergman / iStock via Getty Images

Source: halbergman / iStock via Getty Images
  • Median home value: $164,100 (3.4 times income)
  • Median household income: $48,329
  • Total population: 4,307

28. Garden City, South Carolina

Active ocean beach night life background.
Source: UWMadison / iStock via Getty Images

Source: UWMadison / iStock via Getty Images
  • Median home value: $172,900 (3.3 times income)
  • Median household income: $51,781
  • Total population: 10,885

27. Ruskin, Florida

Source: Bobby Rennert / 500px / 500px via Getty Images

Source: Bobby Rennert / 500px / 500px via Getty Images
  • Median home value: $243,600 (3.3 times income)
  • Median household income: $73,828
  • Total population: 28,878

26. Laurence Harbor, New Jersey

Source: mambo56 / iStock via Getty Images

Source: mambo56 / iStock via Getty Images
  • Median home value: $314,000 (3.3 times income)
  • Median household income: $95,399
  • Total population: 6,418

25. Lexington Park, Maryland

Source: Norm Lane / iStock via Getty Images

Source: Norm Lane / iStock via Getty Images
  • Median home value: $282,000 (3.2 times income)
  • Median household income: $86,944
  • Total population: 13,537

24. Warrington, Florida

Warrington. Florida. USA
Source: SevenMaps / Shutterstock.com

Source: SevenMaps / Shutterstock.com
  • Median home value: $160,600 (3.1 times income)
  • Median household income: $51,016
  • Total population: 16,567

23. Mary Esther, Florida

Mary Esther. Florida. USA on a map
Source: SevenMaps / Shutterstock.com

Source: SevenMaps / Shutterstock.com
  • Median home value: $236,400 (3.1 times income)
  • Median household income: $75,167
  • Total population: 4,018

22. Seaville, New Jersey

Seaville. New Jersey. USA
Source: SevenMaps / Shutterstock.com

Source: SevenMaps / Shutterstock.com
  • Median home value: $396,200 (3.1 times income)
  • Median household income: $127,063
  • Total population: 2,532

21. Tiger Point, Florida

Gulf Breeze Community Aerial
Source: Art Wager / iStock via Getty Images

Source: Art Wager / iStock via Getty Images
  • Median home value: $355,800 (3.0 times income)
  • Median household income: $116,711
  • Total population: 3,511

20. Setauket, New York

Source: Joseph Trentacosti / iStock via Getty Images

Source: Joseph Trentacosti / iStock via Getty Images
  • Median home value: $663,400 (3.0 times income)
  • Median household income: $218,077
  • Total population: 3,739

19. Eastpoint, Florida

Pelican taking in the sunset
Source: Copyright © 2012 - Steve Grundy / Moment Open via Getty Images

Source: Steve Grundy / Moment Open via Getty Images
  • Median home value: $164,400 (3.0 times income)
  • Median household income: $54,096
  • Total population: 2,624

18. Pascoag, Rhode Island

Pascoag. Rhode Island. USA
Source: SevenMaps / Shutterstock.com

Source: SevenMaps / Shutterstock.com
  • Median home value: $294,000 (3.0 times income)
  • Median household income: $97,064
  • Total population: 4,527

17. Bowleys Quarters, Maryland

Bowleys Quarters. Maryland. USA
Source: SevenMaps / Shutterstock.com

Source: SevenMaps / Shutterstock.com
  • Median home value: $325,800 (3.0 times income)
  • Median household income: $108,030
  • Total population: 6,746

16. Chesapeake Ranch Estates, Maryland

Source: Karen Wood / 500px / 500px via Getty Images

Source: Karen Wood / 500px / 500px via Getty Images
  • Median home value: $278,200 (3.0 times income)
  • Median household income: $93,571
  • Total population: 10,015

15. Shady Side, Maryland

Shady Side. Maryland. USA on a map
Source: SevenMaps / Shutterstock.com

Source: SevenMaps / Shutterstock.com
  • Median home value: $396,500 (3.0 times income)
  • Median household income: $133,378
  • Total population: 4,959

14. Holly Ridge, North Carolina

Views of Topsail island, NC
Source: Robin Garver-Geller / Shutterstock.com

Source: Robin Garver-Geller / Shutterstock.com
  • Median home value: $267,900 (3.0 times income)
  • Median household income: $90,197
  • Total population: 4,236

13. Ocean Springs, Mississippi

Source: ArtistheJourney / iStock via Getty Images

Source: ArtistheJourney / iStock via Getty Images
  • Median home value: $213,400 (2.9 times income)
  • Median household income: $72,500
  • Total population: 18,417

12. Palacios, Texas

Source: Holger Leue / The Image Bank via Getty Images

Source: Holger Leue / The Image Bank via Getty Images
  • Median home value: $173,700 (2.9 times income)
  • Median household income: $59,469
  • Total population: 4,411

11. Beachwood, New Jersey

Beachwood. New Jersey. USA
Source: SevenMaps / Shutterstock.com

Source: SevenMaps / Shutterstock.com
  • Median home value: $280,800 (2.8 times income)
  • Median household income: $99,099
  • Total population: 10,933

10. Sound Beach, New York

Seagulls flying in the wind over the Long Island Sound looking toward the bluffs
Source: WoodysPhotos / iStock via Getty Images

Source: WoodysPhotos / iStock via Getty Images
  • Median home value: $350,100 (2.8 times income)
  • Median household income: $124,070
  • Total population: 7,154

9. Long Beach, Mississippi

Source: chapin31 / iStock via Getty Images

Source: chapin31 / iStock via Getty Images
  • Median home value: $187,800 (2.8 times income)
  • Median household income: $66,573
  • Total population: 16,809

8. Corpus Christi, Texas

Source: RoschetzkyIstockPhoto / iStock via Getty Images

Source: RoschetzkyIstockPhoto / iStock via Getty Images
  • Median home value: $180,900 (2.8 times income)
  • Median household income: $64,449
  • Total population: 317,804

7. Parker, Florida

Umbrellas on the beach on Panama City Beach.
Source: Carrie M. Cooper / Shutterstock.com

Source: Carrie M. Cooper / Shutterstock.com
  • Median home value: $175,100 (2.7 times income)
  • Median household income: $64,478
  • Total population: 4,309

6. Texas City, Texas

Source: Art Wager / E+ via Getty Images

Source: Art Wager / E+ via Getty Images
  • Median home value: $166,600 (2.7 times income)
  • Median household income: $61,359
  • Total population: 53,084

5. Portland, Texas

Source: Shahin Abasov / 500px / 500px via Getty Images

Source: Shahin Abasov / 500px / 500px via Getty Images
  • Median home value: $218,200 (2.6 times income)
  • Median household income: $83,493
  • Total population: 20,130

4. La Porte, Texas

Source: TrongNguyen / iStock via Getty Images

Source: TrongNguyen / iStock via Getty Images
  • Median home value: $196,500 (2.5 times income)
  • Median household income: $79,193
  • Total population: 35,782

3. James City, North Carolina

James City. North Carolina. USA
Source: SevenMaps / Shutterstock.com

Source: SevenMaps / Shutterstock.com
  • Median home value: $146,200 (2.3 times income)
  • Median household income: $62,227
  • Total population: 5,186

2. North Middletown, New Jersey

Dune Grass and Cityscape, Sandy Hook New Jersey USA, Middletown Township, New Jersey
Source: Walt Bilous / Shutterstock.com

Source: Walt Bilous / Shutterstock.com
  • Median home value: $296,200 (2.2 times income)
  • Median household income: $136,500
  • Total population: 3,158

1. Port Lavaca, Texas

Source: Lupe Chacon / iStock via Getty Images

Source: Lupe Chacon / iStock via Getty Images
  • Median home value: $114,700 (1.9 times income)
  • Median household income: $58,871
  • Total population: 11,545
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