20 Beach Towns Where Homes Cost $250,000 or Less

Dreaming of a beachside home that won’t break the bank? You’re not alone. Whether old or young, people want the financial security of owning a home. But let’s be real — most might not have a large nest egg to spend. But don’t let that dampen your dreams of living by the ocean!

There are many charming, affordable homes in beach towns. Whether you want a cozy rental or a quaint home, these affordable spots are perfect for a seaside home. They offer warm shores and a cool, temperate breeze.

The towns on this list all meet one key requirement: you can own a home there for $250,000 or less. We’ve got you covered with a list of tried-and-true options, so grab your sandals, and let’s dive in!

Gulfport, Mississippi

Gulfport offers a slice of Southern charm right by the ocean. This town has a laid-back vibe. For this reason, it’s an ideal spot for anyone looking to escape the hustle and bustle of city life.

The local community is friendly, and the town has many festivals and events all year. So, there’s always something fun to do. According to Zillow, the average home value in Gulfport is $194,522, which is up by 1.8% from last year.

Atlantic City, New Jersey

This city is famous for its casinos and boardwalk. It’s also a place where you can find affordable homes near the beach. The average home costs about $165,200, according to a 247 Wall St. study. This makes it a good choice if you want to be close to fun activities without spending too much.

You can find different types of homes here, from condos to cozy single-family houses.

Corpus Christi, Texas

This hidden gem on the Texas coast combines a laid-back lifestyle with plenty of activities. Whether you enjoy fishing, boating, or just soaking up the sun, Corpus Christi has something for everyone.

Homes here go for $233,250, as per a study conducted by Zillow. The best thing is that you can get a lot of value for your money. The town also boasts a strong job market. This makes it a solid choice for both retirees and young professionals.

Pascagoula, Mississippi

This small city on Mississippi’s Gulf Coast offers very affordable homes near the beach. According to Realtor.com, the average home costs about $150,000. This makes it one of the most affordable beach towns in the country.

There are plenty of outdoor activities to enjoy. You will find fishing and kayaking, thanks to its location on the Gulf of Mexico and the nearby river. The town also has a rich history and hosts fun events like summer music festivals, making it a lively place to live.

Coastal Maine

Coastal Maine offers some of the most picturesque and serene beach towns in the country. In these small coastal towns, such as Cutler, you can find homes with an average value of around $220,000. This provides an affordable option for those wanting to live near the sea.

Coastal Maine has something to offer everyone. Whether you enjoy sailing, exploring art galleries, or just relaxing by the water. It’s a perfect choice for those looking to combine affordability with coastal charm.

Long Beach, California

This area offers a mix of beach life and city living, making it a great place to live. There are homes under $250,000, especially condos and smaller units. These homes let people on a budget enjoy living near the beach in a lively city.

There are miles of sandy beaches, a busy downtown, and lots of cultural activities. You can visit a local art gallery or eat at one of the many restaurants in town.

Ormond Beach, Florida

Ormond Beach is a charming town on Florida’s Atlantic coast where homes cost about $249,900 and below. The town has beautiful sandy beaches, a historic downtown, and many outdoor activities.

People here enjoy a relaxed lifestyle. They have easy access to water sports, parks, and community events. It’s a great choice for those looking for an affordable and lively beach town.

Grand Isle, Louisiana

This is a small island town in the Gulf of Mexico. Homes here cost $192,432 on average, which is affordable for a beachside location. The cost of living is 4% lower than the national average, making it a wise pick for those on a budget.

The town is great for fishing, boating, and bird-watching, thanks to its beautiful beaches and relaxed vibe. It also hosts local festivals and events, adding to its appeal. It’s a perfect spot for those wanting a peaceful coastal life without spending too much.

Biloxi, Mississippi

This vibrant city in the Gulf of Mexico offers a blend of history, culture, and coastal living. This town is famous for its casinos, but it also has affordable homes near the beach. With an average home value of $222,454, Biloxi might be the perfect fit.

Real estate here is reasonably priced, and the community is welcoming. The town has a rich history, with many museums and historic sites to explore, making it a fascinating place to live.

Pensacola, Florida

Pensacola is a beautiful town on Florida’s Gulf Coast. With its white sandy beaches and turquoise waters, it’s hard to believe that homes here can be so affordable. The average home value is around $233,000, with a cost of living 7% below the national average.

The town has a strong sense of community, with plenty of local events and activities. Plus, Pensacola’s real estate market is stable, making it a good choice for both first-time homebuyers and retirees.

Ocean Springs, Mississippi

Located on the Gulf Coast, Ocean Springs is famous for its artsy vibe and friendly community. Homes here are affordable, with an average home value of $208k and below. The cost of living is 11% lower than the national average.

The town’s vibrant arts scene and quaint downtown area make it a delightful place to live.

South Padre Island, Texas

South Padre Island is a popular vacation spot. It’s a place you can find a home for as low as $200,000. This town on Texas’s Gulf Coast is perfect for those who want relaxation and excitement.

The real estate market in South Padre Island offers a variety of options. From beachfront condos to more affordable inland homes, South Padre Island has something for everyone. It’s great for both vacation home investors and those seeking a permanent home.

Melbourne, Florida

Melbourne offers a mix of affordability and coastal charm. This town on Florida’s Space Coast has beautiful beaches and a friendly community. You can get a home here for as low as $149K.

The town is close to major aerospace and tech employers, so it has a strong job market. Plus, Melbourne’s vibrant downtown area offers plenty of dining and entertainment options.

Port Lavaca, Texas

This is a small town on the Texas coast where you can enjoy the beach without spending a lot of money. The average home costs around $183,287, and the cost of living is 21% lower than the national average. This makes Port Lavaca a great place if you want to live near the water on a budget.

The town offers plenty of outdoor activities like fishing and boating. You can also enjoy the laid-back atmosphere and friendly community. It’s a place where you can slow down and enjoy life by the coast.

Freeport, Texas

In Freeport, Texas, you can find affordable homes close to the Gulf of Mexico. The average home here costs about $136k. This town offers a great chance to live near the beach without breaking the bank.

People know Freeport for its close-knit community and beautiful beaches. It’s a perfect spot for fishing, boating, and enjoying the outdoors. If you’re looking for an affordable beach town with a friendly vibe, Freeport could be the place for you.

Oak Island, North Carolina

Oak Island is a peaceful beach town in North Carolina where you can find homes for a reasonable price. Here, you will find homes for sale under $250k. It’s a great spot for those who want to live by the beach without spending too much.

The town has some quiet neighborhoods and stunning beaches. Whether you’re retired or have a family, Oak Island offers a calm and friendly environment. It’s a place where you can enjoy beach life at an affordable price.

Jacksonville, North Carolina

Jacksonville is a growing town in North Carolina. You can live near the beach there without overspending. The average cost of buying a house in Jacksonville is $175k. This makes Jacksonville a smart choice for anyone looking for a beach town on a budget.

The town has a mix of new and old neighborhoods, so there’s something for everyone. Plus, with the beach close by, it’s easy to enjoy water activities like swimming and boating. Jacksonville offers great value for beachside living.

Newport News, Virginia

Newport News is a city with a rich history and affordable homes near the coast. This makes it a great place to live if you want to be near the water without spending too much.

Newport News, on the Virginia Peninsula, is near the Atlantic Ocean and Chesapeake Bay. The city has many parks and historical sites, so there’s always something to do. It’s a perfect spot for those who love the beach and history.

Morehead City, North Carolina

Morehead City is a popular spot on North Carolina’s coast where you can find homes for $250,000 or less. This is a great place to live if you want to be close to the beach without spending too much.

People know Morehead City for its beautiful waterfront and vibrant downtown. The town also offers excellent opportunities for fishing, boating, and other outdoor activities. It’s a perfect place for those who love the water and want to live in a lively community.

Port St. Joe, Florida

This is a small town on Florida’s Gulf Coast where you can enjoy the beach without breaking the bank. If you are looking for affordable housing and a peaceful life, this is it.

The town has a friendly community and stunning views of the Gulf of Mexico. Whether you’re looking for a vacation home or a place to retire, Port St. Joe has much to offer. It’s a hidden gem on Florida’s coast.