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America’s Most Affordable and Least Affordable Beach Towns

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Sure, it’s famed for pricey enclaves such as Key Biscayne and Miami’s South Beach. (Neither cracked our top 10 list of least affordable beach towns. Why? For consistency, our team used “city” to specify the listing data area. Within the city of Miami Beach, high-priced properties along the coast are balanced out by lower-priced mix of residential and commercial properties inland.) But there’s the news: Florida also boasts some of the more affordable waterfront property in the nation.

Florida: No. 1 Port Richey, No. 5 Deerfield Beach, No. 10 Palm Bay

Mississippi’s slice of the Gulf Coast, with its characteristically warm waters, also harbors some fine value-priced beach real estate.

Pascagoula, No. 2 in our affordability ranking, isn’t your typical small beach town rife with mom-and-pop businesses; rather, it’s one of those rare cases where nature comfortably coexists with mammoth industries. To Pascagoula locals, the sea is both recreation and livelihood: Ingalls Shipbuilding is the area’s largest employer.

Mississippi: No. 2 Pascagoula, No. 4 Waveland, No. 6 Gautier

The once-glittering gamblers’ mecca of Atlantic City is now tarnished and troubled—four casinos closed their doors last year, costing thousands of jobs. But, hey, it’s still a hell of a beach. And the median list price of homes is only $118,000.

In the first half of 2015, Atlantic City posted the nation’s highest foreclosure rate among major metropolitan areas, according to Realty Trac, with 1.7% of the city’s housing units experiencing a foreclosure filing—a 42% jump from the same period in 2014.

New Jersey: No. 3 Atlantic City, No. 8 Keansburg

Malibu, known for its prime Pacific coastline and being the home of more Hollywood stars and moguls than anyplace else on earth, is ranked No. 1 with a jaw-dropping median list price of $3.6 million.

Farther south in Orange County, it’s largely the same story. Steve High, a Newport Beach–based agent, has closed three deals that are each over $10 million this year, including one in Irvine Cove with a 123-foot ocean view that sold for $23 million.

Southern California: No. 1 Malibu, No. 6 Pacific Palisades, No. 8 Newport

Coast, No. 10 Corona Del Mar

The famous playground for the rich and famous that’s just a train ride from the citadels of corporate power in New York City, the Hamptons features some of the most expensive properties in the country. Gatsby loved it here (until he was bumped off, that is); you can, too, if you have a trust fund and some prime connections to find the right place.

In Water Mill, where entertainer Jennifer Lopez plunked down $10 million for a stunning 3-acre mansion, fewer than a dozen properties are currently for sale. The hamlet’s cheapest property at the moment—a five-bedroom Colonial-style home with a swimming pool—is asking $1.4 million. If you want to be neighbors with New York’s biggest tycoons and celebrities, grab it while it lasts

New York (the Hamptons): No. 2 Water Mill, No. 4 Bridgehampton

You will have a hard time finding an affordable property in Bolinas, a town 20 miles northwest of San Francisco, which has a median price of $3.4 million.

To inhibit development, the public-utility board has not issued a new water meter since 1971, The New York Times reported in 2014. Currently, fewer than 10 properties are listed for sale on our site. But for those who find their way to this hallowed place: Surf’s up!

Northern California: No. 3 Bolinas, No. 4 Belvedere-Tiburon

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