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10 East Coast Beach Towns Where Social Security Actually Covers Housing

Beach town living is within reach in these affordable towns.

By Sarah Sharkey

Edited by Amanda Machado

Updated Feb. 14, 2026

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If you've been dreaming of a beach town retirement, you aren't alone. Many retirees hope to ride into the sunset with a beautiful beach view nearby. But with retirees bringing home an average of $2,071 per month in Social Security benefits, according to the Social Security Administration, it's sometimes difficult to find an affordable beach town for your golden years.

This list of nine East Coast beach towns shows that it's possible to pay the rent in many beachy locales. As you set yourself up for retirement, one of these beach towns might work out well for your budget.

Editor's note: Unless otherwise noted, all one-bedroom rent data comes from Apartment.com.

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Daytona Beach, Florida

Average monthly rental cost: $1,315

As a classic Florida beach town, Daytona Beach offers plenty of shoreline to dip your toes in the water. Beyond beaches, the famous speedway and easy access to watersports, like fishing and kayaking, provide endless entertainment. When you throw in a downtown packed with history, art, and shopping, most can find something to love about this year-round tropical oasis.

Daytona Beach is home to several retirement communities, including a relatively new Latitude Margaritaville that promises a 'no worries' lifestyle. The local community center offers classes for residents centered on things like music and exercise.

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Virginia Beach, Virginia

Average monthly rental cost: $1,560

Virginia Beach's allure starts with its famous boardwalk, which meanders along the coastline for miles. You can get on the water to paddle, surf, sail, or cruise almost anytime. In addition to easy access to the ocean, the town offers a chance to dive into history while enjoying fresh seafood year-round.

The senior center here, which is open to anyone 55 and up, hosts games, lunches, fitness classes, and more. Virginia Beach itself has two hospitals. But nearby Norfolk and Chesapeake have several more to cover your medical needs.

Myrtle Beach, South Carolina

Average monthly rental cost: $1,349

Myrtle Beach has drawn in a crowd of beachgoers for decades, and with good reason. This beautiful stretch of coastline offers affordable living without breaking the bank. You'll find ample dining options, including interesting dinner shows to mix things up. Additionally, there are over 90 golf courses in the area and plenty of Lowcountry culture to enjoy.

Myrtle Beach offers a wide array of retirement communities. When you factor in the many medical facilities and an active senior center, this could be a great spot for retirees on a budget.

Wilmington, North Carolina

Average monthly rental cost: $1,317

Wilmington's charm starts with an expansive historic district, one of the largest in the country. Framed within the live oaks and charming architecture, you'll find plenty of shopping and dining options. With nearby state parks, you can easily access the ocean.

Plus, the city hosts a rotation of festivals throughout the year that promise lots of entertainment. This coastal city also offers several retirement communities, making it easy to find friends in a new location.

New Bern, North Carolina

Average monthly rental cost: $1,600 (Zillow)

With over 300 years of history, New Bern offers a historic charm that's sometimes difficult to find near the coast. You'll be able to enjoy waterfront views from downtown, with many restaurants and shops waiting to welcome you inside. When you are ready to connect with nature, the area offers many paddling and boating options, which can help you see the town from a new perspective.

New Bern has several healthcare facilities, some with great reviews. Additionally, you'll have access to several independent living communities in the area, although this type of living might cost more than your average rental in town.

Brunswick, Georgia

Average monthly rental cost: $1,235

As part of Georgia's Golden Isles, Brunswick offers a beautiful coastline and several accessible parks, making it easy to get acquainted with your new home. The wildlife is known to impress birders and artists. But even in town, the sprawling live oaks and historic buildings offer a nice view. With many highly-rated downtown restaurants and lots of festivals, you'll never run out of things to explore here.

Medical care is readily accessible here, with a hospital and several other healthcare facilities. At the senior center, you'll find everything from bingo to legal assistance.

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Ocean City, Maryland

Average monthly rental cost: $689

If you are looking for an affordable option in the mid-Atlantic area, Ocean City could be a good fit. The town's 10 miles of shoreline offer easy access to beaches. Plus, retirees don't pay taxes on Social Security and have pension exclusions that make the state appealing.

On land, you'll find plenty of dining and shopping options. Additionally, the town offers golfing, a theme park, museums, and a performing arts center. Beyond fun activities, you'll find a hospital near town if you ever need it. And the senior center hosts several events each week, including mini golf and fitness classes.

Conway, South Carolina

Average monthly rental cost: $1,850 (Zillow)

Conway sits squarely in the Lowcountry, which means great food and a welcoming culture are built right into the community. To get to the coast, you'll need to take a short drive downriver to meet the ocean.

In between Myrtle Beach and Conway, you'll find several retirement communities that could potentially be a good fit for your long-term needs. With an active senior center in town that hosts multiple events on most weekdays, you'll have an opportunity to make plenty of new friends here.

The quieter town might offer a refreshing change of pace for anyone not quite interested in the hustle and bustle of nearby Myrtle Beach. But a steady stream of festivals means you'll still find plenty of entertainment when you want it.

Cape Charles, Virginia

Average monthly rental cost: $1,888 (Zillow)

If you are ready for a laid-back pace with plenty of access to water, Cape Charles could be the right fit. You'll find easy access to nature and lots of dining options downtown. The city has a few healthcare facilities. However, if you need more extensive care, you'll find a collection of over a dozen hospitals within 50 miles. Plus, Virginia does not tax Social Security income, allowing retirees to keep more of their money.

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St. Mary's, Georgia

Average monthly rental cost: $1,750 (Zillow)

St. Mary's is a quaint coastal town just across the border from Florida. The historic town offers easy access to water activities and an adorable downtown packed with local charm. The local senior center offers activities almost every weekday, and if you need a ride, transportation is included. Plus, you may benefit from a specific city-offered senior property tax exemption for those aged 62 and older.

Bottom line

If you are dreaming of oceanside living, choosing the right spot could stretch your Social Security check farther than you might think. As you continue planning for retirement, opting to put down roots in an affordable coastal city could help you make the most of your retirement funds. Consider making a trip to visit some potential contenders before making a move.

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