Living by the sea without breaking the bank is possible. For UK residents eyeing a move to the US, several affordable beach towns offer the perfect escape. In 2024, these coastal gems combine natural beauty, vibrant communities, and budget-friendly living. Discover the top five US beach towns where you can enjoy a seaside lifestyle within your means.

Top 5 Affordable Beach Towns in the US

In pursuit of affordable beach towns, the states of Mississippi, Maryland, Florida, and South Carolina appeal the most.

1- Gulfport, Mississippi

Temptation of 26 miles of magnificent sandy beaches incorporating a marked-down living cost molds Gulfport into the gem of Mississippi. And obviously, it should be one of the top choices for beachfront living.

Southern hospitality, and a plethora of outdoor activities like fishing, boating, and water sports are almost impossible to resist.

This place is not all about fun and enjoyment for you to settle down, Gulfport's education, healthcare, and transportation system is robust as well.

Yet the living cost of the Mississippi’s finest beach tops all of these perks. Housing costs, utilities, and rents won’t break your bank.

Here’s a quick look:

Apart from these perks, Gulfport City lacks job availability in specific sectors. However, it offers a diverse tourism, maritime, shipping, healthcare, and education job market.

The good thing is, statistically, the projected unemployment rate is going down in 2024 from 4.1% to 3.9%.

2- Ocean City, Maryland

Neither the cheapest coastline town nor is it a metropolis, Ocean City still makes up for its shortcomings with lifestyle and amenities. 

It may sound typical, but Ocean City fosters a colorful way of living. It offers more of a relaxed ambiance.

Speaking of which, this beach town hosts abundant events such as Springfest, Sunfest, and so on. The famous 3-mile-long boardwalk adds another jewel to the crown.

Now in terms of everyday life, education, healthcare, and transportation systems are way above satisfactory.

As a matter of fact, the public school system in Ocean City is a part of the Worcester County Public Schools System, which is recognized for its high standards.

Daily expenses however are one of the downsides of this city. Housing and grocery prices are higher than the national average.

Fortunately, the stable job market with 4.2% unemployment checks out for the extra expense.

Let’s have a run-down on the living cost in Ocean City:

As you can see, house prices are way higher than the US national average, but you will also find affordable waterfront houses for sale. These turn out to be a wonderful opportunity, especially for those seeking an enticing, one-of-a-kind beachfront living experience.

3- Pascagoula, Mississippi

Chasing down the affordable beach towns, a list without Pascagoula, Mississippi is unimaginable. A strong community with over 21,000 citizens, this city is a strong contender for a beachfront living destination.

The stronghold, so to speak, for Pascagoula is its shallow living cost. This includes housing, groceries, utilities, and other expenses.

Concerning basic needs like education and healthcare, they are on the mediocre side. For example, there are only 100 physicians against 10,000 residents. The public schools have an average rating of 6 out of 10.

Though, you can drive less than half an hour and get to Biloxi or Gulfport to get better medical facilities anytime.

4- Myrtle Beach, South Carolina

Despite being a vacation destination, Myrtle Beach is one of the finest forte of nature on the northeastern coast of South Carolina. It boasts a remarkable 60 miles of sea coast dune, a dynamic lifestyle, and a family-friendly neighborhood.

South Carolina’s vibrant beach city offers everything a resident needs for a great living. The renowned boardwalk, annual events like The Carolina Opry, high-end seafood restaurants, and golf courses sum up the diverse activities in the city.

For families with the mind of raising kids, Myrtle Beach has first-rate public education, with a high school graduation rate of 88% (2023). Their average SAT score is 1050 (2023).

With that being said, the expense of this beach city entices people to settle down here. From housing to daily expenses, it falls in the affordable category.

Myrtle Beach’s job market is dominated by tourism, healthcare, and retail. Myrtle Beach Resort, Grand Strand Regional Medical Center, Tidelands Health, and Coastal Grand Mall employ a formidable number of people each year.

5- Pensacola, Florida

With 54,000 residents and amenities of bigger cities, The City of Five Flags in Florida is full of surprises.

The actual town of Pensacola has the footprint of a small town, yet it puts forward a beautiful shoreline, family-friendly atmosphere, outdoor activities, and community events throughout the year.

Pensacola opens the door for higher education. Public schools in the city serve under Escambia County. The University of West Florida offers diverse undergraduate and graduate programs.

On the upside of the things, this Florida town has a lower 3.4% unemployment rate. Baptist Health Care, Sacred Heart Health System, Navy Federal Credit Union, tourism, and educational institutions are the major areas with employment.

Compared to cheaper beachfront cities, Pensacola offers much more with a bit more expense. Again, it’s relatively better than other big, expensive waterfront cities.

Even though the comprehensive data for living costs may not seem captivating, the quality of life Pensacola features make up for it.

Beachfront Living Criteria

For beachfront living locations or any other landscapes, affordability tops the priority list. But based on that single yardstick, it’s unwise to make a decision.

You see, factors like weather, amenities, community, education, and healthcare are greatly influential if not equal.

A living place close to recreational activities enhances living standards. Not to mention, you have to live closer to educational institutions and healthcare establishments especially, if you’re starting a family.

Believe me, when I say, your dream beach house of yours should match your personality as well. Whether you are a young professional, a businessman, or a retired personnel, you need to handle the situation discreetly.

Last but not least, the safety of your neighborhood is crucial. So check with your realtor, get there, and do a survey by yourself before making the big decision.

Ending Note

Finding the ideal beachfront town can seem overwhelming, but this guide aims to make it easier for UK residents.

Explore these US beach towns and discover your dream waterfront living space that combines accessibility, affordability, and the amenities you need.