Many of us dream of living by the beach, enjoying a year-round vacation and warm weather. The good news is that you don’t need to break the bank to make that dream come true.

There are plenty of affordable coastal cities around the country where you can settle and enjoy the beach vibes without spending a fortune.
If you are looking for affordable beach towns to live in the U.S., we have got you covered. We have collated 12 towns with median home values under $400K. It’s the perfect starting point for planning your move to a coastal paradise.

Gulfport, Mississippi sounds like such a fun place to be. It’s the second-largest city in the state, and there’s so much to do there. In the waterfront entertainment district, you can take a stroll with a cocktail in a to-go cup and enjoy the diverse public art.

And let’s not forget the exciting activities like zip-lining through the coastal canopies or taking a boat trip to the scenic Ship Island. If you are into fishing, you can even charter a boat at the picturesque harbor and try your luck in the Gulf. The median home price there is about $185,508 and the median monthly rent is about $1,287.

Freeport Texas is like a paradise for outdoor enthusiasts. Located about 50 miles south of Houston, it offers a simple and peaceful life. One of the highlights is the abundance of fishing opportunities, with charters and tours available for those who love casting a line.

The Brazoria National Wildlife Refuge is another gem, spanning 40,000 acres of wetlands and teeming with diverse flora and fauna. You can explore the refuge by walking the boardwalks, hiking the trails, or even taking a car tour. And if you ever crave the excitement of big-city living, you’re just a short drive away from Houston. The median monthly rent is about $1,120 and the median home price is about $124,056.

Port Arthur in Texas is another amazing beach town to be. It is a town that is bursting with Cajun flavor and offers a perfect blend of history, culture, and nature. With attractions like Lake Sabine, Sea Rim State Park, and Pleasure Island, there’s no shortage of aquatic activities to enjoy.

Whether it’s windsurfing, fishing, or boating, you’ll have plenty of options to satisfy your love for the water. And if you are into unique exhibits, the Museum of the Gulf Coast is a must-visit. You can see fascinating items like a replica of Janis Joplin’s psychedelic Porsche and other interesting pieces. The median home price is about $93,728 and the median monthly rent is about $1,270.

Bay St. Louis in Mississippi is not the St. Louis you might be thinking of, but it’s a charming seaside town with a lot to offer. The nautical character of the town adds to its unique charm. Of course, you can’t miss out on the beautiful beaches and warm waters, perfect for relaxing and soaking up the sun.

If you’re into fishing, you’re in for a treat. The town also has a lot to offer on land, with art galleries showcasing local talent, Creole cottages adding to the quaint atmosphere, and 19th-century abodes that give you a glimpse into the town’s rich history. It’s a place where you can truly immerse yourself in coastal beauty and enjoy a laid-back lifestyle. The median home price is about $234,946 and the median monthly rent is about $1,350.

Jacksonville, North Carolina is a military town. It’s all thanks to Camp Lejeune, the largest Marine Corps base on the East Coast. The town takes great pride in honoring the troops, with memorials and sites scattered throughout.

You’ll find places like the Freedom Fountain, Lejeune Memorial Gardens, and the Montford Point Marine Museum, all paying tribute to the brave men and women in service. If you’re an outdoor enthusiast, fishing and paddling are popular activities, and the town also hosts local sporting tournaments and events. The median monthly rent is $1,300 and the median home price is $233,713.

Biloxi is a Gulf Coast city that is famous for its casinos and delicious coastal cuisine. You’ll find two entertainment districts where both locals and visitors can have a great time. But if you prefer a more relaxed vibe, you can lounge on the beautiful white-sand beaches, play a round of golf on a championship course, or even take a sunset sail on a schooner.

And for a unique experience, why not try a shopping trip? Biloxi was once known as the Seafood Capital of the World. The median home price is $212,709 and the median monthly rent is $1,600.

Atlantic City is another beach town famous for its casino culture. But that’s not all it has to offer. The wide beaches and classic boardwalk are a must-visit, with souvenir shops, rides, and arcades that bring back a sense of nostalgia.
And let’s not forget about the delicious greasy food that you can indulge in while strolling along the boardwalk.

While New York may be the city that never sleeps, Atlantic City isn’t far behind. You’ll find gambling outposts, nightclubs, and lounges that regularly host concerts, comedy acts, and other live entertainment. The median home price is $200,056 and the median monthly rent is $1,650.

Brunswick is a wonderful place to live. It offers a quintessential Lowcountry living with a touch of Southern charm. As the gateway to Georgia’s Golden Isles, you have easy access to the beautiful Jekyll and Sea Islands. The historic district with its Victorian-era homes adds to the charm of the town.

What’s even better is the close-knit community that frequently comes together to celebrate the rich cultural history, delicious cuisine, vibrant arts scene, and lively music. There are so many ways to get involved and truly be a part of this wonderful coastal Southern city. The median monthly rent is $1,649 and the median home price is $192,500.

Mastic Beach, located about 40 minutes away from Southampton, could be the perfect place for you. It’s a charming beach town that’s equally family-friendly and picturesque.
You will find a variety of great restaurants, historical landmarks, and even a national wildlife refuge to fully enjoy the beauty of Atlantic coastal living.

It is a wonderful alternative that you don’t need to break the bank for. The median home price is $401,000 and the median monthly rent is $2,890.

This Northern California beach town near the Oregon border looks amazing. It offers the same stunning views as more popular destinations like Orange County but without the hefty price tag. With a $1,700 price tag, you can afford to live out your beach house dreams here.

Imagine waking up to the sound of crashing waves and enjoying the beautiful coastal scenery every day. It’s a fantastic opportunity to experience the beach lifestyle. The median home price is $346,442.

Deerfield Beach in South Florida is a must-visit beach town. It’s located halfway between Miami and Palm Beach, making it the perfect coastal city to explore. You will find an excellent pier for fishing, killer beaches for surfing and swimming, and a popular boardwalk to take strolls.

After a long day, you can kick back at one of the local bars or restaurants and enjoy the vibrant atmosphere. Deerfield Beach hosts numerous festivals, parades, and other celebrations throughout the year, creating a sense of community and keeping its residents close. The median home price is $297,523 and the median monthly rent is $1,575.

Daytona Beach is a prime location for adventure. It’s famous for hosting one of NASCAR’s most iconic races each winter and summer. You can explore the historic Ponce de Leon Inlet Lighthouse, which is one of the oldest in the U.S.

And of course, you can’t miss out on visiting one of the world’s most famous beaches. Plus, if you’re a Disney fanatic, Orlando is just a short drive away, and space lovers can visit the Kennedy Space Center. The median home price is $257,788 and the median monthly rent is $1,650.