7 Budget-Friendly Towns on the Atlantic Coast for Retirees
The Atlantic Coast stretches down the United States for over 2,000 miles, beginning with the rocky cliffs of Maine and finishing at the sandy beaches of Florida. The region has everything from gigantic metropolises to quiet fishing villages. Whether you are passionate about the crisp fall colors up north or prefer kicking back where palm trees dance in a warm breeze, there is something for everyone on this side of the country. While these views may sound expensive, plenty of towns showcase their charm without the exorbitant price tag. These destinations are ideal for retirees looking for a scenic place to settle down on a budget.
If you are thinking ahead to those golden years, consider this: somewhere out there is a perfect spot along the coastline just waiting for your retirement chair. Read on to learn about seven budget-friendly towns on the Atlantic Coast for retirees.
Beaufort, North Carolina
With its mild climate and affordable housing, Beaufort is a comfortable coastal town to live in for a few reasons. North Carolina is a sweet spot for people looking to enjoy retirement without worrying about taxes. In this state, they do not dip into your Social Security benefits, and there are even some nice tax breaks and deductions for retirees. House prices here are a bit higher than the national average ($360,000) but still reasonable at an average of $402,000. Plus, Beaufort is close to an assortment of health centers, like the Carteret Health Care Hospital in nearby Morehead City.
Along with the retirement benefits, Beaufort also has some affordable landmarks to take in. The North Carolina Maritime Museum and Beaufort Historic Site offer historical experiences, teach maritime heritage, and have 18th-19th century buildings to soak in with their aged ambiance. There is also a vast coastline filled with opportunities, such as the Island Express Ferry Services, which offers some time out on the water.
St. Marys, Georgia
St. Marys is the sweet spot where small-town vibes meet modern perks. It is snuggled close to the ocean, so people here can catch breathtaking sunrises, chill on the beach, or play around in the water. Saint Marys' housing prices are a big positive, averaging around $300,000. Georgia is another state where Social Security is not taxed and has reasonable property taxes.
The town has lots of low-cost but fun experiences that retirees adore. Locals can tour the important heritage of the town's Historic District and well-preserved 19th-century architecture. Feel like a picnic? Check out St. Mary's Waterfront Park, which is full of spots to sit down with family or paths to walk on. Or you can take a ferry from town to visit the Cumberland Island National Seashore, which is full of pretty beaches and wild horses. It is like no other spot.
New Bern, North Carolina
New Bern has the allure of a historic town and an attractive price tag, making it a great choice for retirement. The average house here costs just under $275,000, so it is a good budget option for settling down in one’s golden years. Moreover, New Bern has reliable health services, like CarolinaEast Medical Center, so people can get top-notch medical help close to home.
For those who decide to retire in New Bern, there are many low-cost outdoor activities to enjoy. Union Point Park, Croatan National Forest, and Glenburnie Park all have activities such as hiking, fishing, and wildlife viewing, offering a nice way to enjoy nature without major expense. The town is also home to an iconic stop, the spot where Pepsi-Cola began. This landmark, known as the Birthplace of Pepsi-Cola Store, is located in the heart of downtown. It acts as both a fun museum and an old-fashioned soda shop, honoring the moment Caleb Bradham invented Pepsi in 1893.
Somers Point, New Jersey
With Atlantic City just a short distance away, this charming town offers a wonderful option for retirement. The housing market in Somers Point remains budget-friendly, with the average home priced just over $388,000. Compared to the state average of $528,000, it’s easy to see why many retirees are drawn here. Plus, Somers Point boasts excellent healthcare facilities like Shore Medical Center, providing a comprehensive range of health services and specialized treatments.
The community vibe in Somers Point is warm and inviting, with numerous programs and support systems designed especially for retirees. At the Somers Point Senior Citizens Center, older adults can enjoy social events, exercise classes, and regular gatherings that foster connection and fun. The town also offers plenty of beautiful spots to appreciate the stunning Atlantic Coast. You can spend a delightful day exploring Kennedy Park and the Somers Point Bike Path with their scenic waterfront views and peaceful trails. For those who love lively celebrations, events like Bayfest and summer concerts near Atlantic City's casinos ensure there’s always something exciting happening. It’s truly a place where relaxation and entertainment go hand in hand.
North Beach, Maryland
While North Beach feels like a cozy little town, it’s also conveniently close to bigger cities like Washington, D.C., and Annapolis, full of fun activities. The average home price here is around $399,000, which is about $20,000 less than most homes in Maryland. Residents enjoy easy access to excellent healthcare, including the CalvertHealth Medical Center in nearby Prince Frederick. This means quality healthcare is readily available, helping to keep medical costs affordable.
There are plenty of budget-friendly ways to soak up the sunshine. The North Beach Boardwalk offers stunning seaside views, a lively beach for socializing, and spots to fish — making it a peaceful spot to unwind. Just nearby, the Bayside History Museum provides a wealth of history and interesting exhibits, perfect for a relaxing day out.
Ellsworth, Maine
Ellsworth is embraced by stunning natural beauty, including lush woods, serene lakes, and the nearby Acadia National Park. Maine's property taxes are quite reasonable compared to other parts of the Northeast, helping residents, especially retirees, save significantly on living costs. The average home here costs just over $350,000, and rent is below the national average at about $1,950. The community of Ellsworth is known for being very safe, giving retirees peace of mind without the need for expensive security.
There’s also a variety of enjoyable and affordable activities to explore. For outdoor lovers, Acadia National Park offers breathtaking forested hills along the coast and over 50,000 acres of protected land perfect for hiking and discovering new adventures. Additionally, the historic Woodlawn Museum from the 19th century offers a charming way to learn about the area's rich past and enjoy peaceful walks through its grounds.
Coventry, Rhode Island
Sitting in the smallest state in the country, Coventry is a peaceful town right on the edges of the Atlantic. While the average house in Rhode Island is $465,000, here in Coventry, retirees can get a house for just around $415,000. Rhode Island also has some handy tax breaks for retirees. The state does not tax Social Security benefits in most cases and offers tax credits to seniors. This helps lower the amount of taxes that retirees in Coventry have to save for.
The town is conveniently located close to several trusted hospitals, such as Kent Hospital in Warwick, making it easier and more affordable to access healthcare. There are also many affordable outdoor activities to enjoy. For instance, Coventry Greenway offers a beautiful rail trail that's perfect for walking and biking. Additionally, Carbuncle Pond nearby provides lovely spots for fishing and bird-watching, along with trails and picnic areas where you can relax and reconnect with nature.
Down the Atlantic Coast, retirees have got all sorts of worthwhile places to kick back and enjoy once they are done with their work life. Settle down to take advantage of everything from small, cozy fishing spots to big, buzzing cities. Moreover, the coast has some very affordable options while still basking in that pristine waterside living. If you are looking to stay active outdoors or soak up some culture, these towns have got you covered for a relaxing and enjoyable retirement life. Now, all you have to do is pick out the dream spot where you want to spend those carefree golden years.
