10 Coastal Cities Where You Can Actually Live on Nothing but Social Security

Living comfortably on Social Security in a beautiful coastal city may sound like an impossible dream. With only $1,976 for an individual or $3,014 for a couple, your budget will likely be rather tight without extra income.

Yet, there are ways to make it happen. Finding an affordable town where your dollar will stretch further is one way to do it. 

Here are 10 cities on the coast where you can avoid wasting money by paying too much for a home so that you can live on Social Security benefits alone.

Median home price: $132,057

The Gulf Coast is a good choice for retirees who want to spend their golden years in a small community with a strong pedigree. Pascagoula is part of the Gulfport-Biloxi Metro Area and offers unparalleled views of the Mississippi River shorelines.

The median income in Pascagoula is much lower than the domestic average, and retirees — and those who work from home — can take advantage of the lower cost of living and rent to call this place home.

Median home price: $356,538

If you love the Pacific Northwest, look no further than Washington State's Olympic Peninsula.

The coastal community of Ocean Shores gives you access to the breathtaking coast of the Pacific, steps away from teeming forests and small villages.

Retirees enjoy easy access to various historical and cultural venues and the great outdoors while also thriving in a low-crime community.

Median home price: $214.734

Many people consider Atlantic City synonymous with its boardwalk and Golden Nugget Casino. Still, there's more to this great coastal city than gambling and long walks on the boardwalk.

Retirees who enjoy crowds and being close to Philadelphia and Baltimore will find this affordable city right up their alley.

And while Atlantic City isn't for those who want a quiet life, it does reward residents with an array of shows and festivals that few cities can compete with.

Median home price: $207,588

Grand Isle could be defined as the opposite of Atlantic City. This small coastal town offers quiet, simple living close to nature.

Grand Isle has miles of beautiful shoreline, proximity to the fabulous nightlife and cuisine of New Orleans, and a close-knit community. Seniors will be happy to know housing is affordable and crime rates are on the low side in this small location.

Median home price: $280,314

If the Chesapeake Bay brings back cherished memories from your honeymoon or family trips over the years, you'll love Newport News. This charming town offers unique nature views and various attractions like Colonial Williamsburg.

Retirees are drawn to Newport News by the quality healthcare available in the area and the many outdoor pursuits they can participate in.

Median home price: $128,450

This small city, located in Brazoria County, Texas, has an impressive shoreline and is worth a look if you want to retire in a coastal paradise. Besides, Freeport is a suburb of Houston, giving you easy access to this city's diverse arts and culture scene.

Freeport can be quite hot during the summer, and commuting during peak hours can be daunting, but retirees can usually manage both with a more laid back lifestyle. Still, if you find a home you enjoy, you'll likely pay way below the national median cost.

Median home price: $358,416

If you've always thought retiring to California and living off of Social Security alone was an unattainable goal, think again. If you head to Crescent City, you'll be surprised to discover that your impossible dream can become a reality.

Rents in this one-of-a-kind city on the Redwood Coast are as low as $1,000. Besides, this beautiful Californian city has a mild climate year-round and the most delicious fresh seafood anywhere in the country.

Median home price: $263,347

Hampton is another charming coastal city close to the Chesapeake Bay.

Visitors and residents get the opportunity to explore historic sites like Hampton Carousel and Fort Monroe.

Retirees can find great outdoor activities like fishing and sailing along Hampton's shoreline. While summers can be hot and humid, winters are mild and forgiving — perfect for outdoor-loving seniors.

Median home price: $186,159

If you enjoy the famed Southern hospitality and dream of coastal living down south, head to Mobile. This bustling city has it all — from great outdoor opportunities along its shoreline, to cultural and historic attractions and festivals like Mobile Mardi Gras.

Despite its strong economy, Mobile is an affordable city, making it ideal for retirement on Social Security alone.

Median home price: $239,734

For the best Georgia coastal experience, consider Brunswick. Its proximity to Amelia Island makes it perfect for a day on the beach, while its closeness to St. Simons Island lets you enjoy your favorite sport.

Brunswick is a friendly city that welcomes both active and laid-back retirees. Depending on your tastes, you can join a like-minded community and thrive there.

To avoid money mistakes during retirement, you can consider living on Social Security in a coastal city. While not all locations are affordable, you could find your slice of paradise in places like Ocean Shores, Washington, or Crescent City, California.

Just remember to check out the area before putting down roots. Not all coastal towns offer the same vibes, and you may find you prefer a more laid back vibe in your retirement than some of these places offer.