I’m 68 with $1.2 million in financial savings. I’d prefer to retire someplace heat, no snow and close to the seaside. In January I’d like to have the ability to have a cup of espresso on my patio and never freeze my butt off. I don’t thoughts a jacket, however no winter coat, no boots, no scarves. Daytime highs in January needs to be within the 60s, nighttime lows within the 40s or 50s (50s is best).

My home finances is $350,000 or much less. 

What are some choices? 

Leon

Expensive Leon,

Given these winter temperature necessities, it’s good to give attention to the Atlantic coast from Georgia south and on the Gulf of Mexico. However you should still must compromise on simply how shut your dream spot is to the seaside, particularly when persons are in search of extra enjoyable work at home choices and housing markets are sizzling.

You additionally might wish to think about what else is vital to you. Do you like a small city? One with numerous eating places and cultural facilities? Does walkability matter? Are you in search of different outside actions? What about well being care? Which may assist slim down your decisions.

One other query: how a lot area do you want? Should you’re going small, an space that in any other case seems to be off-limits could also be doable.

I determine about hurricane dangers, however don’t underestimate the summer humidity on this a part of the nation. So you should definitely go to then in addition to throughout the winter earlier than you commit. Whereas there, take a look at out your plans on how you can construct your social community.

As at all times, a spot might sound good from the info, however solely whether or not it’s the appropriate match.

Listed here are three solutions to get you began:


Matthew Villegas/Courtesy New Smyrna Seaside Space CVB

New Smyrna Seaside, Florida 

This city of 28,000 on the Atlantic coast is 25 miles south of Daytona Seaside, has a vibrant downtown with many impartial eating places, and is an endpoint of the 47.6-mile East Central Regional Rail Trail that may get you to Titusville or onto the Spring-to-Spring trail within the middle of the state. Its Atlantic Center for the Arts can nurture your artistic aspect. Or you may study to surf; Surfer journal has referred to as this one of the top surf towns in the country.

Greater than a 3rd of its residents are 65 or older.

Common January highs are 69 levels, and common in a single day lows are 50. In July, you’d have common highs of 89 levels.

The median itemizing value for townhomes and condos suit your value level, in accordance with Realtor.com (which, like MarketWatch, is owned by Information Corp.) An reasonably priced single-family house might be a more durable discover.

Right here’s what’s for sale now.

A part of Gulf Islands Nationwide Seashore is subsequent to Gulf Breeze, Fla. That is at Perdido Key.


iStockphoto

Gulf Breeze, Florida

For an choice alongside the white sandy seashores of the Gulf aspect, think about this fast-growing neighborhood of seven,000 sandwiched on a peninsula between Pensacola and Pensacola Seaside. Subsequent to it’s a part of Gulf Islands National Seashore, which extends 215 sq. miles in Florida and Mississippi.

Common highs within the winter are within the low 60s; lows, nevertheless, might be within the 40s. In the summertime, the common excessive is round 90. 

One can find loads of different retirees. Almost 21% of the residents listed here are 65 and older, and practically 17% of close by Pensacola’s 53,000 residents are, too. 

You’ll additionally discover housing that matches your finances too. Right here’s what’s on the market now.

Horace Caldwell Pier on Mustang Island.


iStockphoto

Corpus Christi, Texas

Maintain going alongside the Gulf and also you’ll finally attain Corpus Christi, what U.S. Information & World Report calls “the Florida of Texas,” solely cheaper. 

This can be a big-city choice: greater than 325,000 individuals with a below-average share of individuals 65 and older. However that’s not the one manner it’s completely different from my different two solutions. Provided that it’s Texas, there’s rodeo right here.

You’ll discover the windsurfers and kayakers that you simply’ll see in Florida, in fact. Corpus additionally claims it’s the fishing capital of Texas, ought to that attraction.

For seaside residing, begin with the part of city on Padre Island simply off the John F. Kennedy Memorial Causeway, between Mustang Island State Park and Padre Island National Seashore. Do discover quaint Port Aransas as nicely, although it could be tougher to discover a house given your finances. 

A bit additional away on Aransas Bay is Rockport, one of many cities Realtor singled out as an affordable beach town for retirement. Greater than 10,000 individuals dwell right here, and greater than 1 / 4 of them are 65 and older.

The climate checks out: January lows common within the higher 40s; highs are within the 60s. Come July, common highs might be round 90; in a single day lows will common practically 80.

Right here’s what’s available on the market now within the Mustang-Padre Island section in addition to all of Corpus Christi.

Readers, the place ought to Leon retire? Depart your solutions within the feedback part.

Additionally learn: We want to retire to Florida or a Florida-type atmosphere and buy a condo with lots of amenities for $250,000 — where should we go?

My retirement income is $95,000 a year, and I want a walkable, affordable beach town to spend the winter. Where should I retire?

‘Health care will keep us from going back to the U.S.’: Texas couple who retired to Spain on about $2,000 a month

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