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Most Affordable Beach Towns in California

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Are you fantasizing about moving to the California coast, but think it’s not financially viable for you? You are not alone. Many people think that seaside living is out of their reach. 

But we believe that anyone should be able to retire where they want. And so we put together this list of the most affordable beach towns in California, for you to consider. 

Long Beach

For those of you seeking beach town living as well as a healthy, active lifestyle, Long Beach fits the bill. The weather here is dry and sunny for most of the year, the ideal conditions for sailing. And Long Beach’s coastline is always alive with activity. 

Sailboats and sailing clubs abound, with plenty of places to dock and explore. But don’t fret if you can’t afford your own sailboat. A boat rental in Long Beach will allow you to live the yachting lifestyle without having to purchase a yacht. Take out a group rental with friends, and enjoy coastal living at its best. 


Before you wrap up your work life,  pack your bags, and head to California, there are some important considerations before retirement. And one of these is the development of a budget. Oceanside is one of the most affordable California beach towns and a great place to settle if you’re craving beach town life for your retirement.

Seaside living on a budget may sound daunting, but it can be done here. O’side, as the locals affectionately call it, will capture your heart with its charming New England-style harbor. Like many California beach towns, it has its fair share of landmarks and historic architecture to explore.  


Halfway between Los Angeles and Santa Barbara, you’ll find the beach town of Ventura. There are several old and historic houses for sale here. Of course, the reality is that even though you find a suitable home to live in, it may need some household renovations

But when you need a break from your renovation work, some time outdoors is essential. This town also has excellent surfing conditions, for those of you who love watersports. But if you prefer to go for an invigorating walk, you’re well catered to here. 

Ventura has many open green spaces and plenty of interesting things to see. If you prefer A brisk walk to the Ventura Pier will revive your spirit. You’ll be getting exercise and fresh air, and enjoy some great views from there too. 

Imperial Beach

Imperial Beach is situated just 15 minutes from downtown San Diego. It is considered one of the best neighborhoods in the US and possibly has the best climate too. 

Join the locals for some fishing at the Beach Pier. Or if fishing is not your thing, simply relax on the beach. With year-round lifeguards, you’ll feel safe at all times. Imperial Beach is where the Tijuana River meets the Pacific Ocean. The Tijuana River National Estuarine Research Reserve can also be found here. 

A variety of housing options are available, and the residents are not only ethnically diverse but represent all age groups fairly evenly. So for beach life with a cosmopolitan vibe, this is the place to be. 


If you are looking for a beach town with a small-town feel, this may be the one for you. For a quaint historic beach town with a low cost of living, you need to look no further than Oxnard.

It is one of the most affordable towns in the state of California. The costs of mortgage and insurance are reasonable. Oxnard Harbor Penisula, and Oxnard State Beach across from Mandalay Bay, are the best choices for retirees. 

The Channel Islands Harbor takes care of all your leisure needs, from swimming and cycling to grabbing a delicious lunch. And when you’re not strolling along with one of the amazing beaches, explore the historic downtown sector. It is incredibly well preserved.


Eureka is one of the most affordable beach towns to retire in California, as the cost of housing is quite affordable. If you are a nature lover looking to retire here, you’ll find plenty of natural beauty to delight in. And if hiking and biking appeal to you, the lush forests, hiking, and cycling trails, are a major plus. 

The largest coastal city between San Francisco and Portland is filled with hundreds of old Victorian homes. Eureka’s Old Town is also on the National Register of Historic Places. But the plethora of modern artworks and murals in this seaport town keep things fresh and exciting.

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