With summer just around the corner, beach lovers are planning their perfect getaways—and for some, even a permanent move. If you’re dreaming of waves, sand, and sea breezes without the sky-high real estate prices, now is the time to explore America’s most affordable beach towns. Realtor.com has released its latest rankings for 2025, spotlighting U.S. coastal gems where you can buy a beach home without breaking the bank. Let’s dive into the top five towns offering both charm and value.
1. Pascagoula, Mississippi – $165,610 (Median List Price)
For the second year running, Pascagoula tops the list as the most affordable beach town in the U.S. With its coastal charm, rich history, and revitalized downtown, this Mississippi gem is ideal for buyers seeking a scenic waterfront lifestyle.
Locals and visitors alike enjoy Buffet Beach (named after the late Jimmy Buffett), nature trails, a public golf course, and Petit Bois Island. According to real estate experts, the town offers a mix of historic and new homes beneath ancient oak trees that rival those in Savannah.
Pascagoula has made major efforts to revamp its downtown and waterfront, and the results are paying off for both residents and real estate investors.
2. Deerfield Beach, Florida – $211,750
Deerfield Beach balances urban convenience and coastal living. This Florida town offers outdoor attractions such as a 1,000-foot fishing pier, award-winning Blue Wave Beach, and cable ski courses that attract adventure seekers.
The town is home to a mix of young professionals, retirees, and families, with plenty of hiking trails and cultural attractions like the Butler House and local museums. While it’s more expensive than Pascagoula, it remains budget-friendly by Florida standards.
3. Atlantic City, New Jersey – $242,450
Nicknamed the “East Coast Vegas,” Atlantic City offers a lively combination of nightlife, beachside entertainment, and affordable home prices. Whether it’s the casino lights or boardwalk fun, this destination blends excitement with budget living.
Visitors enjoy casinos like the Hard Rock, MGM Tower, and Borgata, while families can explore amusement parks, snack shacks, and the beach. For those wanting both beach life and entertainment, Atlantic City checks all the boxes without the hefty price tag of other coastal cities.
4. Port Richey, Florida – $254,925
Further up Florida’s Gulf Coast is Port Richey, a quieter, tight-knit community with fewer than 4,000 residents. This beach town is known for its slower pace, natural beauty, and welcoming vibe.
Surrounded by nature reserves and scenic beaches, Port Richey is ideal for buyers looking for peace and affordability. With low property taxes and living costs in Pasco County, it’s one of Florida’s best-kept secrets for budget-conscious beachgoers.
5. Port Lavaca, Texas – $292,000
Port Lavaca, located on the Texas Gulf Coast, is the perfect escape for those wanting to get away from city stress. With just over 11,000 residents, this town offers a friendly community, Magnolia Beach, and Bayfront Peninsula Park.
The area is also famous for bird watching, sitting on a migratory flyway where over 400 bird species pass through. History buffs will appreciate landmarks like the Calhoun County Museum and the La Salle Monument. With a median price just under $300K, it remains a strong choice for affordable coastal living.
As housing prices continue to climb in many parts of the country, these five beach towns prove that affordable coastal living is still within reach. Whether you’re seeking a vibrant nightlife, peaceful nature, or small-town charm, there’s something for everyone in these hidden gems. This summer might just be the perfect time to invest in your very own beachside escape.