10 Best Places in the USA to Retire on the Water for Less

We understand many retirees hear the siren call of the waterside and look for a place to relocate where they can soak in the sun’s rays and listen to the waves. But the popularity of the waterfront can mean high housing costs and consumer prices.

Luckily, for those willing to look past the likes of Malibu and Venice Beach, there are plenty of scenic spots along the country’s lakes and oceans where retirees can make a nice home even with a reduced income.

Here are the Best 10 Places to Retire in the U.S. where the median house costs around $220,000 or less, but the water views and coastal vibe are priceless.

One of the more affordable spots on the Florida coast is Pensacola, a city with about a half million residents. Located on the west end of the Florida panhandle, the city has plenty to keep retirees entertained. In addition to its miles of beautiful beaches, Pensacola is home to the National Naval Aviation Museum, the Blue Wahoos Ballpark, and Historic Pensacola Village.

The Pensacola Bay Bridge takes you to the Gulf Islands, with plenty of places to explore and enjoy the scenery and the weather.

For retirees who want the waterside but don’t want to relocate to the coasts, the Great Lakes might be just right. Duluth is a charming port city where residents and visitors watch ships pass through the Aerial Lift Bridge.

The coast of Lake Superior is rocky and surrounded by pine trees, providing spectacular scenery and fresh air. Duluth also boasts the Great Lakes Aquarium and Lake Superior Zoo, popular with grandchildren. Many parks and walking paths provide welcoming environments for seniors.

Winters in Duluth are best left to those accustomed to the full range of seasons, but an extensive network of skywalks makes it easier to remain active in the colder months.

popular cities that draw many retirees, but the cost of living there make them prohibitive on a fixed income. For stunning scenery at a more accessible price, look to Coos Bay. It’s a hilly city, and its bodies of water include Lake Merritt, the Upper Pony Creek Reservoir, and the Empire Lakes. The waterfront boasts a boardwalk, cycling trails and historical displays.

Not only does Coos Bay offer beautiful rocky shores, but it also has a notable history. The Marshfield District includes nationally registered places such as the Chandler Hotel, Egyptian Theatre and Tioga Hotel. Transportation fans can enjoy the Coos History Museum and Oregon Coast Historical Railway.

Just south of Boca Raton is the city of Deerfield Beach, Florida. With a population around 75,000, Deerfield Beach is a seaside spot with plenty to see and do. Deerfield Beach Island runs along the eastern edge of the city, separated from the mainland by a channel whose numerous inlets create substantial waterfront in many neighborhoods.

Fishing enthusiasts will enjoy Deerfield Beach International Fishing Pier, a 976-foot pier with all the supplies necessary for a day of fishing. Golf courses, tennis courts, and dining round out the city’s recreation options.

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