Sunny day at Gulf Shores Beach, Gulf of Mexico. Editorial credit: Mark Winfrey /

6 Budget-Friendly Towns in Gulf Coast for Retirees

So, it is time to retire. And you are looking for a great town to settle down in that is budget-friendly. The Gulf Coast is the perfect spot to look at, as it shares the warmth of the sun and the southern hospitality that you might be looking for.

The Gulf Coast spans the border of the Gulf of Mexico, and it includes the states of Florida, Mississippi, Alabama, Louisiana, and Texas. These great states offer the adventure and unique life experiences that you are looking for while maintaining life on a budget. Let us take a look at six of the towns that might best fit a retirees needs in these Gulf Coast states.

Gulf Shores, Alabama

The Hangout at Gulf Shores, Alabama.
The Hangout at Gulf Shores, Alabama. Editorial credit: Felix Mizioznikov /

The Gulf Shores in Alabama is a balmy town for a retiree to relocate to, with its relaxing atmosphere and the warm breeze coming off the Gulf of Mexico. If you’re looking for affordable housing options, then you can find beachfront condos, small median houses, or even beach cottages to select from.

Gulf Shores is also known for its affordable healthcare in its various clinics. Places such as the South Baldwin Regional Medical Center have a state-of-the-art emergency center and are a place to come for routine doctor checkups each month, making this town a quality healthcare town to retire in.

Pascagoula, Mississippi

Panoramic view of Krebs Lake in Pascagoula, Mississippi

Panoramic view of Krebs Lake in Pascagoula, Mississippi.

Mississippi boasts of being a great place to put down roots as a senior due to its low property taxes. Pascagoula has charming historical home options and traditional, modern condos from which you can select. There is plenty to do in Pascagoula as this town boasts of a rich historical heritage. If you are a history buff you will want to make sure to visit the La Pointe-Krebs House. This is one of the oldest standing houses and is also referred to as the "Old Spanish Fort" or the "Old French Fort.”

Aside from the historical advantage of this town, you can enjoy the tranquility of beaches stretching as far as your eye can see. The scenic views of green pastures are great places to pass the time golfing. You can also enjoy nature walks in places like the Singing River Island Walking Trail.

Port Aransas, Texas

Tanker ship passing by a boardwalk in Port Aransas, Texas

Tanker ship passing by a boardwalk in Port Aransas, Texas. Editorial credit: Marathon Media /

Retiring in the town of Port Aransas, Texas, is the ideal spot for those who love to fish and love salt-water life. This budget-friendly town is known as the “Fishing Capital of Texas.” Port Aransas lets you fish in key spots like the Horace Caldwell Pier, Roberts Point Park, or the South Jetty. Many of these spots also offer different attractions to keep retirees busy year-round as well.

But, this town is more than just fish. There are lively festivals year-round such as the SandFest or the Port A Live Music Fest which gives Seniors the ability to be entertained while not spending too much money.

Fort Walton Beach, Florida

Aerial view of Fort Walton Beach, Florida.
Aerial view of Fort Walton Beach, Florida.

Now, out of all these states, we would be remiss if we didn’t mention the great state of Florida. Often known as the coveted state for seniors to retire to. The warm weather and cool waters are the attractions that seniors like. And of course, on top of that, budget-friendly outdoor activities are added. Whether you want to golf, fish, shop, or entertain yourself at museums and theatres, there is plenty to do in the town of Fort Walton Beach.

This town has great groups for seniors that include wellness clubs that focus on fitness, as well as other clubs that give retirees the opportunity to volunteer to fill their time. In addition to this, there are stellar dining options on the beachfront. You can select dining options that are cost-friendly, such as The Shack or the Crab Trap. That way, you still get the experience of eating on the water but getting to save a few dollars.

Ocean Springs, Mississippi

Street view of Ocean Springs, Mississippi.
Street view of Ocean Springs, Mississippi. Editorial credit: EQRoy /

Ocean Springs, Mississippi has a population right around 20,000 members. This makes it a desired place to retire in without the hustle of city life. This picturesque town brings vibrancy to those who retire here. The natural surroundings of mother nature trails such as The Mississippi Sandhill Crane National Wildlife Refuge and the Fontainebleau Nature Trail allow seniors to focus on their fitness, while also being out.

The downtown of Ocean Springs is a historic spot to spend your days accompanying your partner or making new friends. This downtown area is lined with boutiques, farmers markets, theatres, seafood restaurants, and much more to keep your budget in check while also enjoying life.

Pensacola, Florida

Aerial view of Pensacola, Florida at sunset.
Aerial view of Pensacola, Florida at sunset.

Up in the panhandle of Florida, the small town of Pensacola attracts seniors to retire for their beaches and various activities that don’t break the bank. The weather year-round in Pensacola is one of warmth, to makes it easier for seniors who may have difficult health conditions that make living up north more difficult.

But, perhaps what Pensacola is known for is its snowy white beaches that seem to stretch on for eternity. Pensacola Beach and Perdido Key Beach are just two of the most popular that you should go visit.

You can also enjoy trips to museums such as the Naval Aviation Museum. This museum has rightly preserved history since 1962. It is the largest aviation museum in the world. Enjoy stunning aircraft and various historical artifacts. The great part about this museum is that it is completely free to attend.

A Budget-Friendly Retirement in the Gulf Coast

As a retiree, we understand the importance of living a fulfilling life while also being conscious of your budget. These six towns along the Gulf Coast make both extremely possible. From the tranquility of life on the beach, free activities in each community, and affordable quality healthcare makes these towns the magnet that's pulling seniors in. Get ready for a life of luxury, mother nature, historical activities, and southern charm, all wrapped up with a bow called “saving a dollar.”

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