Personal Finance

The 10 most affordable places to buy a beach home in the US

atlantic city nj
No need to go broke chasing beachfront property. Pictured: Atlantic City, New Jersey. shutterstock/ESB Professional
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The sun is shining, the days are longer, and it's finally warm enough that the bold among us are starting to bust out those cargo shorts. That can only mean one thing: Beach season is coming. 

But as fun as excursions to the Hamptons and Nantucket can be, these ritzy summer enclaves can also sap your entire vacation fund in a hot minute if you're not careful. 

And perhaps you're looking for a permanent fix for your ocean-air addiction? If you're not palling around with millionaires and billionaires, you might as well forget about buying property in those exclusive destinations.

But if you look beyond the traditional summer hot spots, your dream of owning a sun-drenched cottage within spitting distance of the ocean spray may not be so far-fetched. 

Realtor.com dug through its database to find some scenic beachfront locales that are far more affordable for the average American and that won't have you ruing the fact that you never amassed a fortune on Wall Street.

They limited their scope to beach cities with populations between 1,000 to 100,000 and that had at least 30 properties on the market. And to ensure some geographic diversity, Realtor.com capped its list to two towns per state separated by at least 30 miles. 

Read on for the 10 most affordable beach towns to buy a home in — each of which has a median home price below $250,000.

10. North Bend, Oregon

North Bend Oregon
Flickr/Erin

Population: 9,543

Median home price: $239,000

9. Ocean Shores, Washington

ocean shores washington
Shutterstock/Frank L Junior

Population: 5,628

Median home price: $232,500

8. Daytona Beach, Florida

daytona beach florida
Shutterstock/Sean Pavone

Population: 63,011

Median home price: $199,900

7. Port Lavaca, Texas

port lavaca texas
Shutterstock/Philip Arno Photography

Population: 12,399

Median home price: $199,700

6. Myrtle Beach, South Carolina

myrtle beach south carolina
Shutterstock/Sean Pavone

Population: 29,992

Median home price: $199,000

5. La Porte, Texas

la porte texas
Flickr/Patrick Feller

Population: 35,039

Median home price: $193,600

4. Deerfield Beach, Florida

deerfield beach
Shutterstock/Ivan Cholakov

Population: 78,881

Median home price: $157,900

3. Gulfport, Mississippi

gulfport beach mississippi
Shutterstock/Fotoluminate LLC

Population: 71,750

Median home price: $154,700

2. Keansburg, New Jersey

keansburg new jersey
Shutterstock/Andrew F. Kazmierski

Population: 9,872

Median home price: $125,000

1. Atlantic City, New Jersey

atlantic city nj
shutterstock/ESB Professional

Population: 39,415

Median home price: $117,500

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Alex Morrell
Alex Morrell was a senior correspondent at Business Insider covering Wall Street at large.Prior to Insider he was a staff reporter at Forbes Magazine covering billionaires and their businesses. He's previously written and worked for the Associated Press, the Green Bay Press-Gazette, the Milwaukee Journal Sentinel, and the Wisconsin Center for Investigative Journalism. He's a graduate of the University of Wisconsin and holds a master's in business and economic journalism from Columbia University. Selected recent stories:How our insatiable appetite for electricity is giving rise to traders who make money from power-grid bottlenecksBehind a Wall Street headhunter's rapid ascent lie accusations of harassment and abuseSchonfeld's growing pains: Ryan Tolkin reckons with his greatest challenge yet as returns dry up at the $13 billion hedge fundHow a California hedge fund bulldozed the state's labor laws to impose some of the harshest noncompetes on Wall StreetFear and loathing on Wall Street: Inside the paranoid, hyper-competitive onslaught to prevent quant traders from defecting to rivalsMillennium has quietly minted billions off of America's passive-investing craze. Now rivals are racing to catch up.The bubble has popped on the mighty index-rebalance trade, and the overcrowded strategy is wreaking carnage across hedge fundsInside the rapid rise and fall of Coatue's quant fund: How a 23-year-old Wharton wunderkind seized power, alienated employees, and blew a $350 million opportunityFor years, Chase and Citi credit cards offered a generous, under-the-radar benefit that protected customers. And then the bots arrived.