Start Your Beachfront Retirement in 30 Towns Under $40,000 a Year

22. Galveston, Texas

Galveston, Texas, may be small by Texas standards, but it's big on charm and value for retirees. Nestled south of Houston, it offers easy access to big-city amenities like museums, sports events, and top-notch medical facilities—a reassuring perk for retirees with health concerns.

With a median home value of just $170,000, Galveston provides an affordable Gulf Coast lifestyle without the hefty price tag of nearby Houston properties.

The island boasts 32 miles of pristine beaches, perfect for leisurely strolls or unique beachcombing adventures. Attractions like Moody Gardens and Pleasure Pier entertain all ages, adding to the city's allure.

Despite its popularity with tourists, Galveston still has plenty of local haunts waiting to be discovered. From charming shops to cozy cafes and lively bars, there's no shortage of spots to explore and enjoy like a true local.