Top 24 East Coast Resort Towns for Senior Retirement and Vacation Homes: The Ultimate 2025-26 Comprehensive Guide

Discover the Best Coastal Havens for Relaxed Living, Smart Investments, and Endless Getaways

Aug 31, 2025

This is an applied AI based research and analysis of costs, quality of life, healthcare, and lifestyle factors for discerning retirees. AI can make mistakes. Remember to visit potential destinations during different seasons and consult with real estate, financial, tax, legal, and healthcare professionals before making your final decision. Neither the publisher, provider nor any affiliated parties guarantee the accuracy or completeness of the information. New Second Home may receive referral commissions from developers or service providers

Executive Summary

With over 4 million Americans retiring annually and 5 million beginning to collect Social Security, choosing the right coastal retirement destination has never been more critical. This comprehensive analysis examines 25 premier East Coast resort towns across 12 key factors that matter most to senior retirees: cost of living, real estate prices, property taxes, healthcare quality, climate change resilience, hurricane risk, safety, dining options, air quality, beach quality, tax advantages, and senior-specific amenities.

Key Finding: While Delaware offers exceptional tax advantages and low hurricane risk, North Carolina provides superior climate, cultural richness, and often better value. Florida remains the healthcare leader, while New England offers unmatched sophistication despite higher costs.

New Home Communities: If you're building new homes in these 24 coast communities or surrounding areas and want to list your new community, let's discuss region-specific listing opportunities in this article. Contact us using the sponsor form to learn more details.

Methodology & Ranking Logic

Weighted Scoring System:

Tax Benefits: 25% (critical for fixed incomes)
Hurricane/Climate Risk: 20% (safety and insurance costs)
Healthcare Quality: 15% (essential for aging population)
Cost of Living: 15% (financial sustainability)
Quality of Life/Culture: 10% (mental health and engagement)
Beach Quality/Recreation: 10% (lifestyle enjoyment)
Safety: 5% (peace of mind)

The Top 25 East Coast Resort Towns for Senior Retirement

1. Lewes, Delaware 🏆 Tax Haven Champion

The Bottom Line: Called "first town in the first state," this Delaware town has lots of draws, including a walkable historic district, golf courses, medical facilities, beautiful beaches, and state parks, combined with Delaware's exceptional tax advantages including no sales tax and limited taxation on retirement income.

Lewes, Delaware, is a charming coastal town that embodies the quintessential beach town vibe. With its rich history, beautiful beaches, and vibrant downtown area filled with shops, restaurants, and galleries, Lewes is a popular destination for tourists and a desirable place to live. The city experiences a moderate climate, with average temperatures ranging from 34°F in January (winter) to 84°F in July (summer). The peak population swells to around 50,000 during the summer months, while the year-round population is approximately 3,300. Lewes is situated about 75 miles southeast of Wilmington, Delaware's largest city, and 100 miles east of Baltimore, Maryland. The nearest international airport is the Salisbury-Ocean City Wicomico Regional Airport (SBY), though Philadelphia International Airport (PHL) is another option, offering more extensive connections. Despite the influx of tourists, Lewes retains its small-town charm, making it an attractive spot for those seeking a relaxed, coastal lifestyle.

Cost of Living: 102.5% of national average

Median Home Price: $674,995

Property Tax Rate: 0.26% (significantly lower than Delaware state median of 0.43%)

Healthcare: Beebe Medical Center, recognized for America's 100 Best Coronary Intervention

Hurricane Risk: Very Low - no hurricane-force direct impacts since 1851

Tax Advantages: No sales tax, no tax on Social Security, $12,500 retirement income exclusion for those 60+

2. Beaufort, North Carolina 🏛️ Historic Maritime Gem

The Bottom Line: Beaufort is consistently ranked among the best beach towns in North Carolina, thanks to its surrounding natural beauty and rich maritime heritage.

Beaufort, North Carolina, is a quaint coastal town with a rich maritime history and natural beauty. Known for its historic homes, charming waterfront, and as a departure point for cruises to the Cape Lookout National Seashore, Beaufort offers a serene and picturesque lifestyle. The town experiences a humid subtropical climate, with average temperatures ranging from 43°F in January (winter) to 89°F in July (summer). The population swells during the peak tourist season, roughly doubling the year-round population of around 4,000 residents, to about 8,000. Beaufort is about 125 miles east-southeast of Raleigh, North Carolina's capital, and 35 miles southwest of the Outer Banks' Hatteras Island. The nearest major airport is the Coastal Carolina Regional Airport (EWN) in New Bern, about 25 miles west, though for more international connections, Raleigh-Durham International Airport (RDU) is an option. With its historic charm, maritime heritage, and coastal scenery, Beaufort is an appealing destination for those seeking a tranquil coastal lifestyle.

Cost of Living: ~95% of national average (estimated 5% below)

Median Home Price: $617,950 (up 28.7% from last year)

Healthcare: North Carolina Maritime Museum, Beaufort Historic Site

Beach Quality: The nearby Shackleford Banks and Cape Lookout National Seashore offer pristine, uncrowded beaches perfect for quiet strolls, birdwatching, or simply soaking in the views

Hurricane Risk: Moderate - Outer Banks exposure but manageable

Senior Population:30.4% of residents are 65+

3. Southport, North Carolina ⚓ Charming Waterfront Village

The Bottom Line: Southport, North Carolina, is a charming coastal town with a rich history and natural beauty. Known for its historic waterfront, beautiful beaches, and the iconic Fort Fisher State Historic Site, Southport offers a relaxed and picturesque lifestyle. The town experiences a humid subtropical climate, with average temperatures ranging from 44°F in January (winter) to 89°F in July (summer). The population swells during the peak tourist season, roughly tripling the year-round population of around 3,700 residents, to about 11,000. Southport is about 130 miles southeast of Raleigh, North Carolina's capital, and 15 miles south of Wilmington, a major city in the region. The nearest major airport is the Wilmington International Airport (ILM), about 15 miles north, offering connections to major hubs. With its historic charm, scenic coastline, and relaxed atmosphere, Southport is an attractive destination for those seeking a tranquil coastal lifestyle and a slower pace of life.

Cost of Living: 109% of national average (9% above)

Median Home Price: $433,000 (up 3.1% from last year)

Senior Population: 43.1% of residents aged 65 and older

Cultural Scene: Three museums, vintage postcard charm, ferry service to Fort Fisher

Hurricane Risk: Moderate - some protection from inland location

4. Sarasota, Florida ☀️ Cultural Capital

The Bottom Line: Sarasota, with its pristine Gulf beaches, consistently ranks on national lists of best retirement towns thanks to its highly rated medical care, thriving cultural scene, no state income tax, and access to nature.

Sarasota, Florida, is a vibrant coastal city known for its stunning beaches, rich cultural scene, and natural beauty. With its beautiful bayfront, historic downtown area, and world-renowned Siesta Key Beach, Sarasota is a popular destination for tourists and a desirable place to live. The city experiences a subtropical climate, with average temperatures ranging from 54°F in January (winter) to 90°F in August (summer). The population swells during the peak tourist season, increasing the year-round population of around 57,000 residents to a peak of over 70,000. Sarasota is situated about 50 miles south of Tampa, a major city in the region, and is easily accessible via the Sarasota-Bradenton International Airport (SRQ). With its rich arts scene, beautiful beaches, and outdoor recreational opportunities, Sarasota is an attractive spot for those seeking a warm and vibrant coastal lifestyle.

Cost of Living: Above average but competitive for coastal Florida

Median Home Price: $496,832 (decreased 4.9% from last year)

Healthcare: Sarasota Memorial Health Care System and HCA Florida Sarasota Doctors Hospital

Beach Quality: Renowned for Siesta Key's quartz sand beaches

Hurricane Risk: High - regular hurricane exposure

Tax Benefits: No state income tax, no estate tax

5. Duck, North Carolina 🦆 Sophisticated Outer Banks

The Bottom Line: Named (with a smile) for the abundance of waterfowl that traditionally lured hunters to this northern end of the Outer Banks, this resort town has low-key sophistication that's an absolute winning combo.

Duck, North Carolina, is a charming coastal town situated on the Outer Banks, known for its natural beauty, water sports, and tranquil atmosphere. With its pristine beaches, marshlands, and the scenic Currituck Sound, Duck offers a serene and picturesque lifestyle. The town experiences a humid subtropical climate, with average temperatures ranging from 40°F in January (winter) to 86°F in July (summer). The population swells during the peak tourist season, roughly tripling the year-round population of around 750 residents, to about 2,250. Duck is about 20 miles north of Kitty Hawk and 90 miles east-northeast of Norfolk, Virginia. The nearest major airport is the Norfolk International Airport (ORF), about 90 miles northwest, though the smaller Coastal Carolina Regional Airport (EWN) in New Bern is also an option. With its natural beauty, water activities, and relaxed atmosphere, Duck is an appealing destination for those seeking a peaceful coastal lifestyle.

Cost of Living: High but justified by amenities

Median Home Price: ~$600,000 (estimated from Outer Banks data)

Beach Quality: Extensive beach nourishment program, named among Best Restored Beaches 2018

Cultural Scene: Independent shops, restaurants, respected jazz festival

Hurricane Risk: High - Outer Banks exposure requires preparation

6. Cape Charles, Virginia 🏛️ Victorian Renaissance

The Bottom Line: A Victorian-era planned community near the mouth of the Chesapeake Bay on Virginia's Eastern Shore, Cape Charles is enjoying a bona fide renaissance and is home to the exclusive Bay Creek resort.

Cape Charles, Virginia, is a charming coastal town located on the Eastern Shore of Virginia, known for its historic downtown, beautiful beaches, and outdoor recreational opportunities. With its rich maritime history, scenic waterfront, and proximity to the Chesapeake Bay Bridge-Tunnel, Cape Charles offers a relaxed and picturesque lifestyle. The town experiences a humid subtropical climate, with average temperatures ranging from 36°F in January (winter) to 86°F in July (summer). The population remains relatively stable, with around 1,000 year-round residents, but increases during the peak tourist season. Cape Charles is about 65 miles southeast of Salisbury, Maryland, and 150 miles east of Richmond, Virginia. The nearest major airport is the Salisbury-Ocean City Wicomico Regional Airport (SBY), about 60 miles north, though Norfolk International Airport (ORF) is another option for more extensive connections. With its historic charm, scenic coastline, and outdoor activities, Cape Charles is an attractive destination for those seeking a tranquil coastal lifestyle.

Cost of Living: Moderate, lower than major Virginia cities

Median Home Price: $697,900

Healthcare: Riverside Shore Memorial Hospital in Onancock (40-minute drive)

Beach Access: Cape Charles Town Beach - only free public beach on Virginia's Eastern Shore

Tax Benefits: Virginia offers property tax relief for retirees over 65

Nearby on the Atlantic side lives the town of Accomack, the pearl of the Eastern Shore, a uniquely preserved natural haven rich in historical significance and alive with a timeless culture of welcome, kindness, and community. The town is home to Seaview, one of Virginia's most prestigious gated communities, where each beautiful parcel spans approximately 3 to 7 acres in a secluded waterfront setting.

7. Emerald Isle, North Carolina 💎 Crystal Coast Crown Jewel

The Bottom Line: Emerald Isle is found in Carteret County—which has been deemed the best place to retire in North Carolina based on overall living conditions, activities, and cost of living, and the isle itself—was rated Best Beach by USA Today in 2018.

Emerald Isle, North Carolina, is a tranquil barrier island on the Crystal Coast, known for its pristine beaches, natural beauty, and relaxed atmosphere. With its scenic coastline, marshlands, and the nearby Fort Macon State Park, Emerald Isle offers a peaceful and picturesque lifestyle. The town experiences a humid subtropical climate, with average temperatures ranging from 44°F in January (winter) to 89°F in July (summer). The population swells during the peak tourist season, increasing the year-round population of around 3,650 residents to over 10,000. Emerald Isle is about 30 miles southwest of Jacksonville, North Carolina, and 135 miles east-southeast of Raleigh. The nearest major airport is the Coastal Carolina Regional Airport (EWN) in New Bern, about 35 miles northwest, though Raleigh-Durham International Airport (RDU) is another option for more extensive connections. With its natural beauty, outdoor recreational opportunities, and relaxed atmosphere, Emerald Isle is an appealing destination for those seeking a serene coastal lifestyle.

Cost of Living: ~98% of national average

Median Home Price: ~$450,000 (estimated)

Beach Quality: 12 miles of pristine beaches, USA Today's Best Beach 2018

Events: Emeraldfest summer concert series, Beach Music Festival

Hurricane Risk: Moderate - Atlantic exposure with good infrastructure

8. Rehoboth Beach, Delaware 🌊 Nation's Summer Capital

The Bottom Line: Located on Delaware's southern coast with impressively large and clean beaches, plus Delaware's exceptional tax advantages.

Rehoboth Beach, Delaware, is a vibrant coastal town known for its beautiful beaches, lively boardwalk, and vibrant nightlife. With its tax-free shopping, scenic coastline, and wide range of recreational activities, Rehoboth Beach is a popular destination for tourists and a desirable place to live. The town experiences a moderate climate, with average temperatures ranging from 34°F in January (winter) to 84°F in July (summer). The population swells during the peak tourist season, increasing the year-round population of around 1,400 residents to over 50,000. Rehoboth Beach is about 100 miles southeast of Wilmington, Delaware's largest city, and 120 miles east of Baltimore, Maryland. The nearest major airport is the Salisbury-Ocean City Wicomico Regional Airport (SBY), about 65 miles south, though Philadelphia International Airport (PHL) is another option for more extensive connections. With its beautiful beaches, lively atmosphere, and outdoor recreational opportunities, Rehoboth Beach is an attractive spot for those seeking a fun and relaxing coastal lifestyle.

Cost of Living: 101.5% of national average

Median Home Price: $800,326 to $1.8M (wide range based on location)

Property Tax Rate: 0.33% median rate

Cultural Amenities: Clear Space Theatre Company, Rehoboth Art League with six galleries

Tax Advantages: Same Delaware benefits as Lewes

9. Virginia Beach, Virginia 🌊 Military Heritage Hub

The Bottom Line: Virginia Beach boasts 38 miles of coastline with clean, accessible, and pet-friendly beaches, plus military stability.

Virginia Beach, Virginia, is a vibrant coastal city known for its long coastline, beautiful beaches, and lively boardwalk. With its scenic oceanfront, wide range of recreational activities, and family-friendly atmosphere, Virginia Beach is a popular destination for tourists and a desirable place to live. The city experiences a humid subtropical climate, with average temperatures ranging from 39°F in January (winter) to 87°F in July (summer). The population remains relatively stable, with around 450,000 year-round residents, but increases during the peak tourist season. Virginia Beach is situated about 100 miles southeast of Richmond, Virginia's capital, and 200 miles southeast of Washington, D.C. The nearest major airport is the Norfolk International Airport (ORF), about 15 miles west, which offers connections to major hubs. With its beautiful beaches, outdoor recreational opportunities, and lively atmosphere, Virginia Beach is an attractive spot for those seeking a coastal lifestyle with plenty of amenities.

Cost of Living: 92.3% of national average (below average)

Median Home Price: $317,466

Safety: Generally excellent, benefits from military presence

Cultural Amenities: Virginia Museum of Contemporary Art, Virginia Aquarium

Hurricane Risk: Low to moderate - some Chesapeake Bay protection

10. Kiawah Island, South Carolina 🏌️ Luxury Golf Paradise

The Bottom Line: For an elegant retirement, you can't do much better than life on Kiawah Island. You'll find some of the area's best seafood and golf courses.

Kiawah Island, South Carolina, is a picturesque barrier island known for its stunning beaches, championship golf courses, and natural beauty. With its scenic coastline, marshlands, and wildlife refuge, Kiawah Island offers a tranquil and exclusive lifestyle. The island experiences a subtropical climate, with average temperatures ranging from 48°F in January (winter) to 89°F in July (summer). The population remains relatively small, with around 1,800 year-round residents, but increases during the peak tourist season. Kiawah Island is situated about 21 miles south of Charleston, a historic city known for its charm and Southern hospitality. The nearest major airport is the Charleston International Airport (CHS), about 25 miles northeast, which offers connections to major hubs. With its beautiful beaches, world-class golfing, and relaxed atmosphere, Kiawah Island is an appealing destination for those seeking a luxurious and peaceful coastal lifestyle.

Cost of Living: High-end luxury market

Median Home Price: ~$800,000+ (luxury market)

Beach Quality: 10 miles of beautiful shoreline, Beachwalker County Park

Golf: Multiple championship courses including Ocean Course

Hurricane Risk: Moderate - Atlantic exposure

11. Myrtle Beach, South Carolina 🎢 Entertainment Value Leader

The Bottom Line: Highly affordable coastal living with 60 miles of coastline and extensive entertainment options.

Myrtle Beach, South Carolina, is a vibrant coastal city known for its 60 miles of coastline, beautiful beaches, and lively boardwalk. With its scenic oceanfront, wide range of recreational activities, and family-friendly atmosphere, Myrtle Beach is a popular destination for tourists and a desirable place to live. The city experiences a subtropical climate, with average temperatures ranging from 45°F in January (winter) to 89°F in July (summer). The population swells during the peak tourist season, increasing the year-round population of around 35,000 residents to over 300,000. Myrtle Beach is situated about 95 miles northeast of Charleston, South Carolina's historic city, and 170 miles southeast of Raleigh, North Carolina. The nearest major airport is the Myrtle Beach International Airport (MYR), which offers connections to major hubs. With its beautiful beaches, golf courses, and lively atmosphere, Myrtle Beach is an attractive spot for those seeking a coastal lifestyle with plenty of amenities and entertainment options.

Cost of Living: 92% of national average (8% below)

Median Home Price: $253,000 (down 8.2% from last year)

Entertainment: Broadway at the Beach, 120+ golf courses

Healthcare: Conway Medical Center, Grand Strand Health, McLeod Health

Hurricane Risk: Moderate to high - coastal South Carolina exposure

12. Bar Harbor, Maine 🏔️ Mountain Meets Sea

The Bottom Line: Nestled between Cadillac Mountain and Frenchman Bay, offering unmatched natural beauty and cultural sophistication.

Bar Harbor, Maine, is a charming coastal town located on Mount Desert Island, known for its stunning natural beauty and proximity to Acadia National Park. With its picturesque harbor, scenic coastline, and outdoor recreational opportunities, Bar Harbor is a popular destination for nature lovers and tourists. The town experiences a continental climate, with average temperatures ranging from 14°F in January (winter) to 77°F in July (summer). The population swells during the peak tourist season, increasing the year-round population of around 5,200 residents. Bar Harbor is situated about 160 miles northeast of Portland, Maine's largest city. The nearest major airport is the Hancock County-Bar Harbor Airport (BHB), which offers connections to major hubs like Boston. With its stunning natural beauty, outdoor activities, and charming atmosphere, Bar Harbor is an attractive spot for those seeking a tranquil and scenic coastal lifestyle.

Cost of Living: High, but exceptional quality of life

Median Home Price: $615,491 to $785,000

Natural Beauty: Gateway to Acadia National Park

Hurricane Risk: Very low - northern location

Climate: Four distinct seasons, cold winters

13. Nags Head, North Carolina 🏄 Outer Banks Classic

The Bottom Line: A popular resort community for retirees, Nags Head is one of the best places to retire in North Carolina near the beach. Along with its exceptional beaches, Nags Head is home to a rich history and friendly communities.

Nags Head, North Carolina, is a charming coastal town located on the Outer Banks, known for its natural beauty, water sports, and relaxed atmosphere. With its pristine beaches, marshlands, and the iconic Nags Head Pier, Nags Head offers a picturesque lifestyle. The town experiences a humid subtropical climate, with average temperatures ranging from 42°F in January (winter) to 86°F in July (summer). The population swells during the peak tourist season, increasing the year-round population of around 3,000 residents. Nags Head is about 15 miles south of Kitty Hawk and 90 miles east-northeast of Norfolk, Virginia. The nearest major airport is the Norfolk International Airport (ORF), about 90 miles northwest, though smaller regional airports like the Coastal Carolina Regional Airport (EWN) in New Bern are also options. With its natural beauty, water activities, and relaxed atmosphere, Nags Head is an appealing destination for those seeking a peaceful coastal lifestyle.

Cost of Living: Above average but good value for location

Median Home Price: ~$500,000 (estimated)

Historical Sites: Bodie Island Lighthouse, Jockey's Ridge State Park

Hurricane Risk: High - Outer Banks exposure

Culture: Seaside Art Gallery, rich maritime history

14. Portsmouth, New Hampshire 🦞 New England Elegance

The Bottom Line: Historic downtown with excellent cultural amenities and no tax on Social Security or retirement withdrawals.

Portsmouth, New Hampshire, is a charming coastal city known for its historic downtown, vibrant arts scene, and scenic waterfront. With its picturesque harbor, boutique shops, and renowned restaurants, Portsmouth offers a lively and cultured lifestyle. The city experiences a temperate climate, with average temperatures ranging from 22°F in January (winter) to 82°F in July (summer). The population remains relatively stable, with around 22,000 year-round residents. Portsmouth is situated about 55 miles north of Boston, Massachusetts, and is easily accessible via the Portsmouth International Airport at Pease (PSM) or Boston Logan International Airport (BOS). With its historic charm, cultural attractions, and scenic coastline, Portsmouth is an attractive spot for those seeking a lively and sophisticated coastal lifestyle.

Cost of Living: 131% of national average (31% higher)

Median Home Price: $717,000

Tax Benefits: No tax on Social Security income or pre-tax account withdrawals

Cultural Scene: Historic buildings, art galleries, jazz clubs

Hurricane Risk: Low - mostly nor'easters

15. Beaufort, South Carolina 🏛️ Southern Charm

The Bottom Line: Consistently ranks in South's Best surveys for historic homes, waterfront beauty, and laid-back friendly locals.

Beaufort, South Carolina, is a charming Lowcountry city known for its historic downtown, picturesque waterfront, and Southern charm. With its antebellum architecture, scenic marshes, and rich history, Beaufort offers a tranquil and culturally rich lifestyle. The city experiences a subtropical climate, with average temperatures ranging from 48°F in January (winter) to 90°F in July (summer). The population remains relatively stable, with around 13,600 year-round residents. Beaufort is situated about 70 miles southwest of Charleston, South Carolina's historic city, and is accessible via the Beaufort County Airport (ARW) or Charleston International Airport (CHS). With its historic charm, scenic beauty, and relaxed atmosphere, Beaufort is an appealing destination for those seeking a peaceful and picturesque coastal lifestyle.

Cost of Living: 96% of national average (4% below)

Median Home Price: $394,120 (up 1.1% from last year)

Military Heritage: Marine Corps presence provides economic stability

Hurricane Risk: Moderate - South Carolina coast exposure

16. Jacksonville, Florida 🏙️ Urban Coastal Living

The Bottom Line: 22 miles of white-sand beaches with major city amenities and excellent healthcare infrastructure.

Jacksonville, Florida, is a vibrant city known for its beautiful beaches, rich history, and outdoor recreational opportunities. With its scenic coastline along the Atlantic Ocean and the St. Johns River, Jacksonville offers a mix of urban and natural attractions. The city experiences a humid subtropical climate, with average temperatures ranging from 47°F in January (winter) to 90°F in July (summer). The population is around 960,000 residents, making it one of the largest cities in the United States. Jacksonville is situated about 140 miles north of Orlando and 345 miles south of Savannah, Georgia. The nearest major airport is the Jacksonville International Airport (JAX), which offers connections to major hubs. With its beautiful beaches, vibrant arts scene, and outdoor activities, Jacksonville is an attractive spot for those seeking a coastal lifestyle with plenty of amenities and opportunities.

Median Home Price: $391,804

Population 65+: About 16% of population

Healthcare: Major medical hub with multiple hospitals

Entertainment: Professional sports, Seawalk Pavilion events

Hurricane Risk: High - Atlantic coast exposure

17. Ocean Springs, Mississippi 🎨 Arts Community Bargain

The Bottom Line: Thriving arts community with 300+ local artists and the state's largest art festival, at exceptional affordability.

Ocean Springs, Mississippi, is a charming coastal city known for its artistic community, historic architecture, and scenic beaches along the Gulf of Mexico. With its vibrant downtown, beautiful waterfront, and relaxed atmosphere, Ocean Springs offers a unique blend of Southern charm and coastal lifestyle. The city experiences a humid subtropical climate, with average temperatures ranging from 48°F in January (winter) to 89°F in July (summer). The population is around 17,000 residents. Ocean Springs is situated about 3 miles east of Biloxi and 70 miles east-northeast of New Orleans, Louisiana. The nearest major airport is the Gulfport-Biloxi International Airport (GPT), about 15 miles west, which offers connections to major hubs. With its artistic vibe, historic charm, and coastal beauty, Ocean Springs is an appealing destination for those seeking a laid-back and culturally rich lifestyle.

Cost of Living: ~85% of national average (15% below)

Median Home Price: ~$180,000

Arts Scene: Ocean Springs Art Association, Peter Anderson Festival

Healthcare: Ocean Springs Hospital

Hurricane Risk: High - Gulf Coast exposure

18. St. Simons Island, Georgia 🌳 Golden Isles Gem

The Bottom Line: Southern barrier island charm with pristine beaches and championship golf courses.

St. Simons Island, Georgia, is a picturesque barrier island known for its beautiful beaches, historic landmarks, and natural beauty. With its scenic coastline, marshlands, and wildlife refuge, St. Simons Island offers a tranquil and exclusive lifestyle. The island experiences a subtropical climate, with average temperatures ranging from 48°F in January (winter) to 89°F in July (summer). The population remains relatively small, with around 12,000 year-round residents, but increases during the peak tourist season. St. Simons Island is situated about 70 miles south of Savannah and 100 miles north of Jacksonville, Florida. The nearest major airport is the Brunswick Golden Isles Airport (BQK), about 10 miles west, though Jacksonville International Airport (JAX) is another option for more extensive connections. With its beautiful beaches, historic sites, and relaxed atmosphere, St. Simons Island is an attractive spot for those seeking a peaceful and scenic coastal lifestyle.

Cost of Living: 122% of national average (22% higher)

Median Home Price: $751,875 (up 10.6% from last year)

Beach Quality: Pristine barrier island beaches

Tax Benefits: Georgia has favorable retirement income tax rules

Hurricane Risk: Moderate - Georgia coast exposure

19. Manteo, North Carolina 🎭 Roanoke Island Charm

The Bottom Line: Manteo may be more affordable than other Outer Banks towns, with a more modest cost of living, but it remains one of the best beach towns to retire in North Carolina.

Manteo, North Carolina, is a charming coastal town located on Roanoke Island in the Outer Banks. Known for its historic significance, scenic beauty, and outdoor recreational opportunities, Manteo offers a relaxed and picturesque lifestyle. The town experiences a humid subtropical climate, with average temperatures ranging from 43°F in January (winter) to 86°F in July (summer). The population is around 1,600 residents. Manteo is situated about 3 miles south of the Nags Head area of the Outer Banks and is accessible via the Dare County Regional Airport (MEO) or Norfolk International Airport (ORF) for broader connections. With its historic charm, natural beauty, and waterfront views, Manteo is an appealing destination for those seeking a peaceful and scenic coastal lifestyle.

Cost of Living: More affordable than other Outer Banks locations

Median Home Price: ~$465,000

Senior Population:25.6% of residents

Cultural Offerings: Historic sites, waterfront festivals

Hurricane Risk: High - Outer Banks location

20. Bethany Beach, Delaware 🏖️ Quiet Delaware Gem

The Bottom Line: Small, affluent beach town with Delaware tax advantages and less crowded beaches.

Bethany Beach, Delaware, is a popular coastal town known for its beautiful beaches, family-friendly atmosphere, and relaxed vibe. With its scenic coastline, wide range of recreational activities, and quaint shops and restaurants, Bethany Beach offers a charming beach town lifestyle. The town experiences a humid subtropical climate, with average temperatures ranging from 34°F in January (winter) to 85°F in July (summer). The population swells during the peak tourist season, increasing the year-round population of around 1,400 residents. Bethany Beach is situated about 100 miles southeast of Wilmington and 120 miles east of Salisbury, Maryland. The nearest major airport is the Salisbury-Ocean City Wicomico Regional Airport (SBY) or the Philadelphia International Airport (PHL) for broader connections. With its beautiful beaches, family-friendly atmosphere, and relaxed lifestyle, Bethany Beach is an attractive spot for those seeking a peaceful coastal getaway or lifestyle.

Cost of Living: Similar to other Delaware beaches, ~102% of national average

Median Home Price: $950,000 (up 2.5% from last year)

Beach Quality: Clean, less crowded than Rehoboth

Tax Benefits: Same Delaware advantages

Hurricane Risk: Low - Delaware's protected position

21. Port St. Lucie, Florida 🌴 Florida Value Leader

The Bottom Line: Consistently ranked as Florida's safest large city with 20+ miles of pristine beaches.

Port St. Lucie, Florida, is a city located on the Atlantic coast, known for its beautiful beaches, outdoor recreational opportunities, and growing community. With its scenic coastline, golf courses, and nature reserves, Port St. Lucie offers a relaxed and natural lifestyle. The city experiences a humid subtropical climate, with average temperatures ranging from 50°F in January (winter) to 90°F in July (summer). The population is around 210,000 residents, making it a mid-sized city with a mix of urban and natural amenities. Port St. Lucie is situated about 50 miles north of West Palm Beach and 125 miles southeast of Orlando. The nearest major airport is the Palm Beach International Airport (PBI), about 45 miles south, which offers connections to major hubs. With its beautiful beaches, outdoor activities, and growing community, Port St. Lucie is an appealing destination for those seeking a coastal lifestyle with plenty of amenities and opportunities.

Median Home Price: $401,544

Safety: Safest large city in Florida for over a decade

Beach Access: 20+ miles through Jensen Beach and Fort Pierce

Tax Benefits: No state income tax

Hurricane Risk: High - Atlantic coast exposure

22. Surf City, New Jersey 🏄 Shore Community

The Bottom Line: Super-walkable Long Beach Island town with thriving art and restaurant scenes.

Surf City, New Jersey, is a charming coastal borough located on Long Beach Island (LBI) along the Jersey Shore. Known for its beautiful beaches, boardwalk, and relaxed atmosphere, Surf City offers a picturesque beach town lifestyle. The borough experiences a humid subtropical climate, with average temperatures ranging from 25°F in January (winter) to 85°F in July (summer). The population is around 1,200 year-round residents, but it swells during the peak tourist season. Surf City is situated about 45 miles east of Atlantic City and 70 miles southeast of Philadelphia, Pennsylvania. The nearest major airport is the Atlantic City International Airport (ACY) or the Philadelphia International Airport (PHL) for broader connections. With its beautiful beaches, waterfront views, and relaxed vibe, Surf City is an attractive spot for those seeking a peaceful coastal lifestyle or a summer vacation destination.

Cost of Living: 114% of national average (14% higher)

Median Home Price: ~$650,000

Community: Strong year-round resident base

Beach Quality: Atlantic Ocean with boardwalk access

Hurricane Risk: Low to moderate

23. Venice, Florida 🐚 Shark Tooth Capital

The Bottom Line: Quiet Old Florida charm just south of Sarasota with famous shark tooth hunting beaches.

Venice, Florida, is a charming coastal city located on the Gulf Coast, known for its beautiful beaches, scenic waterways, and relaxed atmosphere. With its stunning sunsets, shark teeth fossils, and historic downtown, Venice offers a unique blend of natural beauty and small-town charm. The city experiences a subtropical climate, with average temperatures ranging from 52°F in January (winter) to 90°F in July (summer). The population is around 29,000 residents. Venice is situated about 20 miles south of Sarasota and 75 miles south of Tampa. The nearest major airport is the Sarasota-Bradenton International Airport (SRQ), which offers connections to major hubs. With its beautiful beaches, scenic waterways, and relaxed lifestyle, Venice is an appealing destination for those seeking a peaceful and picturesque coastal lifestyle.

Cost of Living: ~101.5% of national average

Median Home Price: ~$425,000

Beach Quality: Famous for shark tooth hunting

Hurricane Risk: High - Gulf Coast exposure

Tax Benefits: No state income tax

24. Folly Beach, South Carolina 🏄‍♂️ Edge of America

The Bottom Line: Beach paradise atmosphere near Charleston with arts community and relaxed vibe.

Folly Beach, South Carolina, is a charming coastal town located just outside of Charleston, known for its beautiful beaches, surfing spots, and relaxed atmosphere. With its laid-back vibe, vibrant surf culture, and scenic coastline, Folly Beach offers a unique beach town lifestyle. The town experiences a subtropical climate, with average temperatures ranging from 48°F in January (winter) to 89°F in July (summer). The population is around 2,600 residents, but it increases during peak tourist season. Folly Beach is situated about 10 miles west of downtown Charleston. The nearest major airport is the Charleston International Airport (CHS), which offers connections to major hubs. With its beautiful beaches, surf spots, and relaxed atmosphere, Folly Beach is an attractive spot for those seeking a laid-back coastal lifestyle or a beach getaway.

Cost of Living: 102.3% of national average

Median Home Price: ~$320,000

Culture: Folly Beach Arts and Crafts Guild

Hurricane Risk: High - South Carolina coast exposure

Final Recommendations by Retiree Profile

For Tax-Conscious Retirees:

Top Choice: Lewes or Rehoboth Beach, Delaware

Exceptional tax advantages create long-term savings

For Climate & Culture Seekers:

Top Choice: Beaufort or Southport, North Carolina

Superior year-round weather with rich cultural offerings

For Hurricane-Averse Retirees:

Top Choice: Portsmouth, New Hampshire or Lewes, Delaware

Minimal tropical storm risk with good amenities

For Budget-Conscious Retirees:

Top Choice: Ocean Springs, Mississippi or Myrtle Beach, South Carolina

Excellent coastal value with full amenities

For Luxury Seekers:

Top Choice: Kiawah Island, South Carolina or Bar Harbor, Maine

Premium amenities and exclusive communities

For Healthcare Priority:

Top Choice: Sarasota, Florida or Jacksonville, Florida

World-class medical facilities and specialized care

Remember to visit potential destinations during different seasons and consult with real estate, financial, tax, and healthcare professionals before making your final decision.