6 Affordable Oregon Coastal Towns You Can Live In on Just Social Security

Dreaming of coastal living but worried your Social Security check won't cover it? Good news: you don't need a fortune to enjoy Oregon's spectacular coastline.

According to the Social Security Administration, the average monthly benefit for retired workers is $2,071 as of January 2026. Your benefits may be more or less, or you might share expenses with a spouse who also receives benefits or other income. Either way, you can make your dream a reality.

Imagine waking up to the sound of waves, strolling through quaint fishing villages, or spending your afternoons watching the sunset over dramatic cliffs. These nine towns offer affordable housing and plenty to enjoy while helping you keep more cash in your wallet.

Editor's note: Average rent prices are from Apartments.com, and housing costs are from Zillow.

Average rent: $1,295

Average home value: $466,976

Where the mighty Columbia River meets the Pacific, there you'll find Astoria. It's a little pricey, but lower-cost rentals are available. You'll be inspired by the breathtaking scenery, as well as numerous art galleries, museums like the Oregon Film Museum, and a fabulous range of dining options. Astoria is a port city with a highly walkable downtown, and the closest beach is about 20 minutes away.

Health care is available at Columbia Memorial Hospital for emergencies and general care.

Average rent: $1,183

Average home value: $481,698

Lincoln City's population is around 10,000, and since it relies heavily on tourism, the town gets busy during the summer. That also means there's plenty to see and do. Seven miles of sandy beaches are all yours. Become mesmerized by tidal pools, fly a kite, or light a campfire as the sun sets. Visit the cultural center, the historic districts for their unique shops and dining, or hike to the top of Cascade Head for spectacular views.

Lincoln City offers more services, including public transit and health care, than some other coastal towns, so if you want the coastal life without feeling isolated, this town may be for you.

Average rent: $1,346

Average home value: $458,940

Around 90 minutes from Portland by car or 2.5 hours by bus, Seaside is a lively beach town. You'll love the 1.5-mile promenade and gorgeous ocean views. Restaurant options seem endless, and shopping includes tax-free downtown boutiques and an outlet mall. Feed the seals at the Seaside Aquarium, and make friends at the Visitors Bureau.

Full medical services are available here. It's more connected than some coastal towns, but still retains its relaxed seaside feel.

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Average rent: $810

Average home value: $315,586

In Coos Bay, beaches aren't right outside your door. But when you get to Sunset Bay State Park or Oregon Dunes National Recreation Area & Horsfall Beach, your efforts will be generously rewarded. Go fishing one day, and visit the Coos Art Museum or The Dolphin Playhouse the next. Stroll the Coos Bay Boardwalk or relax in Mingus Park after shopping downtown. You'll never run out of things to do and see in Coos Bay.

Average rent: $781

Average home value: $449,217

If you love cheese, you'll love Tillamook. Have a free tour of the Tillamook Creamery and watch cheesemaking in action, or grab a bite in the dining hall. Other unique attractions include the Tillamook Air Museum, the Latimer Quilt & Textile Center, and the Oregon Coast Scenic Railroad. The town is about 20 minutes from the beaches, which are, of course, stunning. Portland is about 90 minutes away.

There's a regional medical center for comprehensive health care and a drop-in senior center for fun, socializing, and more.

Average rent: $689

Average home value: $428,625

If you love a quiet seaside lifestyle, Florence might be for you. Spectacular sand dunes stretch 40 miles up the coast. And the historic Old Town, with its lovely shops, art galleries, museums, and restaurants, sits along the Siuslaw River. You can explore the city from a canoe or kayak, or visit the fascinating Sea Lion Caves.

In Florence, you'll never get bored. Plus, health care services are good, and Eugene is just a little over an hour away.

Depending on Social Security doesn't have to mean giving up your dream of ocean breezes and seaside sunsets. You can live that life and maximize your retirement savings.

But be sure to examine all your options. Investigate health care access, and check for public transportation. What do you need for the lifestyle you're dreaming of? Then, match up your needs with what Oregon's coastal towns offer. It might be just the place to enjoy your golden years.