A Penny For A Scenery
No, babe, owning a waterside home is not just a pipe dream. From east to west, these 41 cities prove that coastal living doesn't require a billionaire's budget—although having one would help.
Why These Waterfront Cities Call Your Name
Waterfront cities bring unique advantages that make them particularly appealing. An Environmental Health Perspectives journal mentions that mortality rates drop 12–17% when you live 250m from water. Plus, the properties enjoy a 7.2% price premium over inland homes.
The Real Scoop: What You Should Know Before Diving In
While the allure of waterfront living is strong, downsides exist. Insurance costs in these areas typically run 20-30% higher than inland properties. Then, there are added costs on increased maintenance demands due to salt air and humidity. Floods, rising tides, hurricanes, etc., are also a lingering downside.
Behind The Numbers
Our analysis draws from multiple trusted sources, primarily neighborhoodscout.com. We include metrics that consider factors like cost of living, mortgage payments, and quality of life indicators to identify genuinely affordable waterside gems. Oh, and as a bonus, we also include a little extra on the activities to expect.
Clearlake, California
Average Home Value: $256,442
Sitting pretty on California's largest natural freshwater lake, Clearlake offers affordable living with a bonus: a warm Mediterranean climate with hot summers. The city's economy and property values have grown significantly year-over-year. Residents enjoy world-class bass fishing and water sports against the backdrop of the stunning Mount Konocti.
Clearlake CA September 2021 by Leo The Drone Artist
Kaunakakai, Hawaii
Average Home Value: $414,000
Think Hawaii's out of your league? This charming Molokai town proves otherwise. With home prices 40% below the state average, Kaunakakai delivers authentic Hawaiian living without the crowds. The food here is also amazing, with fresh-caught fish at local markets at half Honolulu's prices. Small neighborhood; so much to do.
Molokai by Drone - Hawaii by Stefan Adama
Hilo, Hawaii
Average Home Value: $601,045
Hilo's real estate market offers a rare Hawaiian bargain with both modern and older properties. This ethnically diverse, rainfall-blessed city supports a thriving farmer's market—local produce, crafts, and goods. Cultural festivals occur all the time, and residents enjoy multiple waterfalls within a 25-mile radius. A hiker's paradise.
Alan L, CC BY 2.0, Wikimedia Commons
Eureka, California
Average Home Value: $469,041
In Eureka, your dollar stretches further than in most of California's coastal cities. The Victorian seaport has seen a significant increase in remote workers since 2020, meaning you can earn by overseeing the waters. Surrounded by redwood forests and beaches, residents enjoy the perfect blend of nature and historic charm.
Humboldt Aerial Shots - Eureka, CA by Chad Johnson
Alexandria, Minnesota
Average Home Value: $393,056
Known as the "Gateway to the Lakes," Alexandria gives you access to 351 lakes within 30 minutes—hiking, fishing, swimming, you've got it all. Property taxes here are 20% lower than in Minnesota's metro areas. About 7.83% of people here work from home, and the biggest population is retirees aged 55–64.
Downtown Alexandria, MN by Danny Sieve
Port Clinton, Ohio
Average Home Value: $184,034
This affordable Lake Erie gem has amazing old styled homes that were built way back in the 1930s. Local walleye fishing generates millions yearly for the regional economy. When you move here, expect limitless lakefront living nearby Sandusky's, plus easy access to Cedar Point amusement park.
Port Clinton Beach, Lake Erie Summer Aerial 😎🌞🚤 ( PTXVI ) by PineappleXVI
East Stroudsburg, Pennsylvania
Average Home Value: $260,166
East Stroudsburg is in the Poconos, and it offers four seasons of recreation at bargain prices. In the last 12 months, property values have appreciated 7.24%, ranking seventh in both Pennsylvania and America. The Delaware Water Gap provides 70,000 acres of natural playgrounds.
Main Street East Stroudsburg, PA | Mavic Air 2 Drone Footage in 4K by PoconoDrone
Devils Lake, North Dakota
Average Home Value: $233,670
North Dakota's largest natural lake anchors this affordable city with notably lower air and noise pollution rates. This spot has to be an anglers' paradise, especially in the winter ice fishing season, which attracts 50,000 visitors annually. The summers still offer perfect perch and pike hunting.
Devils Lake North Dakota (4K Video) by SkyViewCinematics
Hampton, Virginia
Average Home Value: $307,723
This historic harbor region has a low 13.5% poverty level and an average household income of $64,430. The area hosts the world's largest naval base, so expect passing a couple of residents in uniform. It's a safe locale to retire and raise your kids. Or grandkids.
Hampton, Virginia - [4K] Drone Tour by Infinite Destinations
Gulfport, Mississippi
Average Home Value: $190,978
Welcome to Gulfport, where bays, inlets, and coastal activities rule the day. Post-Katrina rebuilding has helped create a resilient, artsy waterfront community where you can explore historical sites, take ship island excursions, and indulge in some casino wagering. The city's real estate has grown 6.39% in the last decade.
Drone Flight, Gulfport Mississippi by Gerald Sanchez
Corpus Christi, Texas
Average Home Value: $244,705
"The Sparkling City by the Sea" is Texas-sized value with beachfront prices that have appreciated 4.73% in the last year. You can join the 316,239 locals (approx.) who love the lively cultural scene. Local wind sports attract 200,000 enthusiasts annually to this kiteboarding destination.
CORPUS CHRISTI 🇺🇸 4K Drone | TEXAS United States by Polychronis Drone
Sarasota, Florida
Average Home Value: $562,275
While pricier than some listings, Sarasota delivers exceptional value with a 5.43% property appreciation rate. The city ranks among the first in Florida for arts economic impact, with people working in media, arts, and design. Eight award-winning beaches, including the Siesta Key's white sand beaches, provide year-round recreation opportunities.
Sarasota Florida Drone by DroneFanatic
Daytona Beach Shores, Florida
Average Home Value: $489,632
This barrier island community offers oceanfront living at half the price of Miami Beach. Beyond NASCAR excitement, residents enjoy Florida's most driver-friendly beach, stretching 23 miles. Property appreciation has been 2.36% in the past year. The best spots to hang out in are parks, beaches, and local events.
Daytona Beach, Florida 2022 in 4K by Drone by Alan Patrick
Wilmington, North Carolina
Average Home Value: $490,595
This coastal charmer has hosted over 400 film productions, earning its nickname "Hollywood East". Historic riverfront property values have appreciated 3.56% in the last quarter this year. The city's three island beaches—Carolina Beach, Kure Beach, and Wrightsville Beach—are distinctively breathtaking for families and surfers.
Drone Wilmington, North Carolina | Cape Fear River | Battleship North Carolina by James - BeBop
Traverse City, Michigan
Average Home Value: $513,806
Michigan's "Cherry Capital" is a mid-sized city that provides Great Lakes living with a sweet and artistic twist. It has a vibrant local wineries market with spots like Chateau Grand Traverse and Black Star Farms. Additionally, the population is made up of artists, retirees, and younger professionals.
Drone Sights and Sounds: Taking a Trip Up the Boardman River in Traverse City by 9&10 News
Galveston, Texas
Average Home Value: $357,876
This island has one of America's largest collections of Victorian architecture outside San Francisco. The famous Galveston Seawall (a 10-mile stretch) not only offers beautiful views but also plays a key role in protecting the area from storm surges. The properties have appreciated 1.69% in the last quarter.
Flying Over Seawall Blvd & Pleasure Pier In Galveston Texas Summer 2022 (4K Drone) by Noah Stakes
Ocean City, Maryland
Average Home Value: $519,941
Investment rental properties here generate $2,021 per month. And this means that even getting a rental property is lucrative, especially with the booming tourist scene. Recent dune restoration has improved storm protection while maintaining beach access. The locale is also quite diverse economically and socially.
Ocean City from Above, Maryland, USA | Drone [4K] by 4K Vin
Coeur d'Alene, Idaho
Average Home Value: $532,794
Coeur d'Alene gives you waterfront living at a fraction of Seattle prices. As the seventh largest community in Idaho, the 135 miles of shoreline support year-round recreation of all its 50k+ residents. If you are a techie, you'll be glad the industry is growing, with many moving from larger cities.
Coeur d'Alene, Idaho | From Above 4K by Luke Barrett
Lake Havasu City, Arizona
Average Home Value: $516,045
Famous for London Bridge, this city offers waterfront deals at a 73.9% homeownership percentage. Lake Havasu City has a larger retiree community, indicating it is ideal for your final home. People who settle here will enjoy everything waterfront—boating, fishing, water sports, and just chilling.
London Bridge, Arizona Drone Views by The Jim Heath Channel
Biloxi, Mississippi
Average Home Value: $301,468
Eight casinos contribute millions annually to local infrastructure improvements. But that's not all because the city's shrimping heritage meets modern entertainment along 26 miles of white-sand beaches. So, if you are a high roller into outdoor activities and affordable housing, Biloxi is it.
Biloxi, MS aerial drone footage by Devon Boykin
Port Angeles, Washington
Average Home Value: $417,374
At an average house value of $417,374, this locale is relatively affordable to other Washington cities. All nature lovers will adore this Olympic National Park's gateway city, with sea kayakers spotting orcas from their backyards during summer migrations. Recent fiber optic expansion has attracted more remote workers.
EPIC DRONE CHASE in Port Angeles!!! By ZubeTubeTV
Sandusky, Ohio
Average Home Value: $137,129
Cedar Point's hometown is a lakefront spot with properties that have appreciated 11.68% in the last year. For explorers, the winter downtown will proffer you a year-round appeal beyond summer tourism. Then, you'll also be happy to attend multiple community occasions, festivals, and concerts throughout the year.
Aerial Drone Shots of Sandusky, Ohio - August 23, 2023 by Tom Horsman
New Bern, North Carolina
Average Home Value: $260,226
Pepsi's birthplace serves up riverfront living in vintage homes built between 1970 and 1999. Three rivers converge here, creating 240 miles of shoreline access, meaning anglers, swimmers, and water enthusiasts will really love it here. New Bern is very ethically diverse, and so you'd fit right in with the crowd.
Cheboygan, Michigan
Average Home Value: $240,776
Cheboygan, Michigan, is a hidden treasure at the northern tip of Michigan's Lower Peninsula. Here, you get direct access to Lake Huron and the scenic Inland Waterway. Imagine miles of trails, iconic lighthouses, and tranquil beaches—it's a paradise for outdoor enthusiasts.
Drone Aerial - Mullett Lake & Cheboygan, MI - 4K UHD by EMan
Lake Charles, Louisiana
Average Home Value: $239,304
L'Auberge Casino Resort alone employs around 2,400 workers, and casinos generate tens of millions annually for city improvements. It's also a great spot for families thanks to recent projects, such as the Lake Area Adventures and Port Wonder initiatives that create family-oriented facilities along the waterfront.
Lake Charles, LA | 4K HDR Drone Footage by Benji 4K Drones
Palm Bay, Florida
Average Home Value: $329,030
Palm Bay is affordable, with a high homeownership rate of 79.4%. The NASA expansion since 2020 has created many new jobs and this makes it a lucrative business center for entrepreneurs. Fishing expeditions will always be a joy because the Indian River Lagoon offers 156 species of fish.
Palm Bay Virtual Tour | Palm Bay Drone by Explified English
Kenosha, Wisconsin
Average Home Value: $256,057
Kenosha is the best lounging spot, with affordable lakefront living and an average home value of $256,057. Its revitalized harbor enhances recreation, with hidden gems on Lake Michigan like Ox Creek Corridor for walks, bike-riding, and nature exploration. You'll also love the parks, art, wine, and beer.
Exploring Kenosha Wisconsin and Lake Michigan by Drone by Jeff's Adventures
Sturgeon Bay, Wisconsin
Average Home Value: $316,246
At a $316,246 home median value, Sturgeon Bay has that lighthouse charm that also meets class. Five public waterfront parks span 1,200 feet of pristine shoreline, and the winter ice-breaking keeps the harbor active year-round. The value of homes here has risen 10.98% in the last 12 months.
Bridges and Yachts: Aerial Splendor of Sturgeon Bay, Wisconsin by Door County Drone by Mark Evenson
Vero Beach, Florida
Average Home Value: $551,814
Citrus heritage meets beachfront living with homes with the highest yearly appreciation rates yet—14.21%. Sea turtle nesting creates unique eco-tourism opportunities then the real magic is the private beaches. If crowds are not your thing, this is where you can bask without any larking strangers.
Vero Beach ,in , Florida Drone shot 4k by Travel With Marti
Astoria, Oregon
Average Home Value: $514,076
Where the Columbia River meets the Pacific, this The Goonies filming location attracts movie buffs from all over. The Victorian homes line hillsides with panoramic river views, while the 100-year-old trolley provides charming waterfront transit. Recent tech startup migrations have given this historic downtown a fresh tone.
Aerial Astoria | Oregon by Austin White
Crescent City, California
Average Home Value: $353,904
Most California waterfront neighborhoods are expensive, not Crescent City. It is a laid-back, coastal city with lighthouse views at one-third of Mendocino's prices. The commercial fishing fleet supports plenty of local jobs. Another plus? The tsunami-ready infrastructure which is actually the first "tsunami-resistant" marina on the West Coast.
Crescent City California Lighthouse Drone File Footage. Mavic 2 Pro Cinematic by Drake Nelson
Lake City, Florida
Average Home Value: $272,845
Lake City on the shores of Lake Harris provides an idyllic Southern escape at affordable prices. With fishing, boating, and hiking at your doorstep, this is the perfect spot for nature enthusiasts. The only downside; the city has experienced a small 0.94% rise in property values.
2020 Lake City, FL Drone Footage by CGI Digital
Clearwater, Florida
Average Home Value: $427,587
Found on the Gulf of Mexico, Clearwater is a haven for picture-perfect beaches and year-round sunny weather. The city has attracted retirees and vacationers with its lower cost of living compared to other Florida waterfront towns. Property values have increased by 6.84% over the last 12 months.
Clearwater Beach, Florida | 4K Drone Video by TAPP Channel
Portsmouth, Virginia
Average Home Value: $299,433
You'll find Portsmouth on the banks of the Elizabeth River. It's a vibrant city with a rich naval history where residents enjoy access to scenic waterfront parks, marinas, and a historic district filled with charming homes. The cost of living is relatively low, and this makes it an attractive option.
Portsmouth Virginia 4K Drone Footage by Rob Hodges
Kalamazoo, Michigan
Average Home Value: $242,738
Though not as well known as other waterfront cities, Kalamazoo has an amazing selection of several lakes and rivers, with stunning homes. With its thriving cultural scene, educational institutions, and a variety of outdoor recreational opportunities, Kalamazoo is a unique, budget-friendly spot.
Awesome Drone Footage of Downtown Kalamazoo Michigan by John Sidwell
Panama City, Florida
Average Home Value: $214,671
Panama City is home to pristine beaches, a vibrant local community, and affordable waterfront homes with a current property depreciation. Still, the $214,671 average is a good deal. The area has a relaxed atmosphere and a lower cost of living compared to other popular Florida beach destinations.
Cedar Rapids, Iowa
Average Home Value: $235,369
Cedar Rapids' Average Home Value is rising, currently at 6.97%. The city combines a small-town feel with urban amenities, including parks, museums, and access to outdoor activities. This spot is also home to the largest Vietnamese communities in the States today.
Cedar Rapids, IA - 4K Aerial Tour by Hunter Fergen
La Crosse, Wisconsin
Average Home Value: $255,800
This Mississippi River gem has amazing sights at an affordable rate (below $300k). La Crosse's affordability and rich outdoor recreational opportunities make it shine. Here, you can go boating, fishing, camping, hiking, etc. Another thing La Crosse celebrates is being a college town. They've got three institutions, to be exact.
Wisconsin Downtowns: La Crosse by Discover Wisconsin
Sault Ste. Marie, Michigan
Average Home Value: $192,855
This locale offers a mix of historical charm and access to the Great Lakes. A few highlights? The Soo Locks, one of the world's busiest waterway traffic systems, and the Museum Ship Valley Camp. Also, you'll experience stunning fall foliage, serene snowy winters, vibrant springs, and warm summers.
Waveland, Mississippi
Average Home Value: $245,339
Waveland is a beauty that allows comfortable living. The town is known for its laid-back lifestyle, outdoor activities, and proximity to the Gulf's recreational opportunities, with a home appreciation value of 6.96%. Scientists will love it here—space exploration, Earth science, engineering, and technology.
Waveland Mississippi by Darius Webb
Eau Claire, Wisconsin
Average Home Value: $319,782
This charming city combines scenic river views with a bustling arts scene. It's an ideal spot for creative souls. Don't worry, outdoor fanatics. You will love its easy access to lakes and rivers for painting, boating, fishing, and everything else. Eau Claire's vibrant downtown also features unique cultural events.
Drone Eau Claire, Wisconsin | Chippewa River by James - BeBop
