Discover America’s Most Affordable Beach Towns for 2025: Homes Under $300K!

Florida City, Florida, USA - As we step into a new era of home buying in 2025, a report by Daily Mail shines light on the most affordable beach towns in the United States. With median home prices below the national average, these towns offer a unique opportunity for aspiring homeowners seeking that idyllic coastal lifestyle without breaking the bank. The analysis reveals that the lowest median home price among these gems is $165,610, with data reflective of April 2025.

Leading the pack is Pascagoula, Mississippi, famously known as ‚Mississippi’s Flagship City.‘ Here, you could snag a charming two-bedroom home for just $139,900, not to mention the public fishing pier and the nine-hole golf course that add character to this quaint town. But that’s not all—Pascagoula brims with attractions, including the beautiful Petit Bois Island.

Florida’s Affordable Coastal Treasures

Florida isn’t left out of the spotlight either. Deerfield Beach, situated conveniently between Miami and Palm Beach, features a median list price of $211,000. Just picture yourself in a two-bedroom condo listed at $214,900 while enjoying the sun-soaked beaches and the vibe of a ‘Blue Wave’ beach—a term coined to signify clean and environmentally-friendly shores.

Port Richey is another contender from the Sunshine State, boasting a median price of $255,000. With its low property taxes, numerous parks, and marinas, it delivers that small-town feel many crave. For those looking for beachside living that doesn’t strain the wallet, Florida indeed has some of the best options on the market.

$p>The affordability trend extends beyond just the cheapest options. Notably, Atlantic City, New Jersey, with its iconic boardwalk and vibrant culture, has a median home price of $242,000, while Myrtle Beach, South Carolina, allows you to soak in its 60-mile stretch of beautiful coastline for about $299,000.

• Pascagoula, Mississippi: Median list price: $165,610
• Deerfield Beach, Florida: Median list price: $211,000
• Atlantic City, New Jersey: Median home price: $242,000
• Port Richey, Florida: Median list price: $255,000
• Myrtle Beach, South Carolina: Median list price: $299,000

A Wider View of Beach Towns

According to Nowbam, this analysis takes into account only coastal towns with at least 50 active listings, ensuring potential buyers can find valuable properties that embody a true oceanfront lifestyle. Interestingly, only one town exceeds the national median price, highlighting the affordability of this new wave of beach towns. The selection offers a maximum of two towns per state, providing geographic diversity while making sure each listing is meaningful.

For those looking at broader options, a survey from the National Association of Realtors noted that beach properties often carry hefty price tags, yet the call for affordable beach living continues to resonate with buyers. A look at the rankings shows the top towns all favor individuals with budgets under $300,000. NAR notes that most Americans dream of owning a vacation home near the coast, but affordable options are crucial now more than ever.

In light of the current market, it’s worth noting that purchases of second homes are on the decline, with only 86,604 mortgages issued for second homes in 2024. This marks a 5% drop from 2023 and a sharp distinction from the 258,289 mortgages in 2021. This shift couldn’t be due to a return to office work, high mortgage rates, and rising maintenance costs. It does seem the landscape of beach home buying is rapidly changing, creating new opportunities for those ready to dive into affordable coastal living.