15 of the Most Affordable Coastal Towns in South Carolina Perfect for Retirees

Retirement is a time to embrace relaxation, new adventures, and the joy of living life at your own pace. South Carolina, with its stunning coastline and warm Southern hospitality, offers a plethora of coastal towns that are not only beautiful but also affordable.

From historic villages steeped in rich culture to serene beachside communities, these towns provide the perfect backdrop for a fulfilling retirement. Whether you’re drawn to sandy shores, vibrant arts scenes, or tranquil natural settings, there’s a spot just for you along the Palmetto State’s coast.

15. St. Helena Island – Historic Island Living with Coastal Charm

St. Helena Island is a hidden gem that offers a peaceful retreat infused with rich Gullah culture and history. This quiet island is dotted with majestic oak trees draped in Spanish moss and offers a slower pace that allows you to truly savor each day. Enjoy fresh seafood straight from the docks, explore historic sites like the Penn Center, or immerse yourself in local art at one of the island’s galleries.

The unspoiled beaches provide the perfect setting for leisurely strolls and enjoying breathtaking sunsets over the water. Homes with 3-4 bedrooms on St. Helena Island typically range from $400,000 to $600,000, making it an appealing option for those seeking coastal charm with modern comforts.

Where is St. Helena Island?

Nestled in Beaufort County along the southeastern coast of South Carolina, St. Helena Island is part of the Sea Islands chain. Surrounded by the Intracoastal Waterway and the Atlantic Ocean, its unique geography offers both marshland beauty and easy access to the water. The island is just a short drive from Beaufort, connected by scenic roads that wind through tidal creeks and marshes. Its remote location contributes to its tranquil atmosphere, making it a perfect escape from the hustle and bustle of city life.

14. James Island – Affordable Coastal Community Minutes from Charleston

James Island combines the charm of a small coastal town with the convenience of being just minutes away from the historic city of Charleston. This community is known for its friendly neighbors, beautiful parks, and outdoor activities like fishing and kayaking along the serene waterways. The annual James Island County Park Festival of Lights is a beloved event that brings the community together.

Retirees can enjoy the laid-back lifestyle while still having easy access to shopping, dining, and cultural events in nearby Charleston. The average price for a 3-4 bedroom home on James Island falls between $350,000 and $550,000, offering affordability close to the vibrant Charleston area.

Where is James Island?

Located directly southwest of downtown Charleston, James Island is separated from the city by the Ashley River and connected via several bridges. This prime location offers residents the best of both worlds: a peaceful, suburban environment and quick access to urban amenities. The island’s proximity to Folly Beach means the ocean is never far away for those who love sun and sand. Major highways and roadways make traveling to and from James Island straightforward, enhancing its appeal as a convenient yet tranquil retirement destination.

13. Socastee – Riverside Living Close to the Coast

Socastee is a quaint community that offers a unique blend of riverside charm and coastal proximity. The town is known for the historic Socastee Swing Bridge and offers picturesque views of the Intracoastal Waterway. With numerous parks and walking trails, retirees can enjoy outdoor activities like boating, fishing, and birdwatching.

The cost of living is affordable, and the community hosts local events that foster a close-knit atmosphere. Its location provides a peaceful retreat without sacrificing access to nearby attractions. 3-4 bedroom homes in Socastee are typically priced between $250,000 and $400,000, making it an attractive option for budget-conscious buyers.

Where is Socastee?

Situated just west of Myrtle Beach in Horry County, Socastee is conveniently located near some of South Carolina’s most popular coastal destinations. The town lies along the banks of the Intracoastal Waterway, offering scenic views and easy access to water-based recreation. Major highways like Highway 17 Bypass provide quick routes to neighboring cities and beaches. Socastee’s position makes it an ideal spot for retirees who appreciate a riverside setting with the perks of nearby coastal amenities.

12. Cherry Grove Beach – Quiet Retreat with Coastal Beauty

Cherry Grove Beach is a serene oceanfront community that boasts pristine sandy shores and a welcoming atmosphere. Known for the Cherry Grove Fishing Pier, this area is a haven for anglers and beach lovers alike. The town offers affordable housing options, from cozy beach cottages to modern condos with stunning ocean views.

Local eateries serve up fresh seafood, and the calm streets are perfect for biking and leisurely walks. It’s an ideal location for retirees seeking a quiet seaside lifestyle. The average price for a 3-4 bedroom home in Cherry Grove Beach ranges from $300,000 to $500,000, offering a balance of affordability and coastal luxury.

Where is Cherry Grove Beach?

Located at the northern end of North Myrtle Beach, Cherry Grove Beach sits along the Atlantic coastline near the border with North Carolina. Its coastal position provides easy access to both the ocean and the inlet, making it a prime spot for fishing and boating. The area is accessible via Highway 17, connecting residents to the wider Grand Strand region. This convenient yet tranquil location allows retirees to enjoy the peace of a small beach town while being close to larger city amenities.

11. Atlantic Beach – Rich History and Affordable Coastal Life

Atlantic Beach is a small town with a big heart, known for its rich African American heritage and vibrant community spirit. The town offers affordable coastal living with a deep sense of history and culture. Annual events like the Atlantic Beach Bikefest celebrate the town’s unique legacy.

With quiet beaches and friendly locals, retirees can enjoy a peaceful lifestyle while participating in community activities that honor the town’s past and build its future. 3-4 bedroom homes in Atlantic Beach are typically priced between $200,000 and $350,000, making it one of the more affordable coastal options in the area.

Where is Atlantic Beach?

Nestled between Myrtle Beach and North Myrtle Beach, Atlantic Beach occupies a prime spot along South Carolina’s Grand Strand. Despite its proximity to bustling tourist areas, the town maintains a quiet, close-knit community feel. Easy access via Highway 17 makes traveling to and from the area straightforward. The town’s location offers retirees the tranquility of a smaller community without being too far from the shopping, dining, and entertainment options of neighboring cities.

10. Awendaw – Nature Lover’s Paradise Near the Coast

Awendaw is a haven for those who appreciate the beauty of nature and the slower pace of life. Surrounded by the Francis Marion National Forest and situated near the Intracoastal Waterway, this town offers endless opportunities for outdoor activities like hiking, fishing, and birdwatching. Affordable living in Awendaw includes spacious properties that provide privacy and tranquility.

The town’s commitment to preserving its natural surroundings makes it an attractive option for retirees seeking a peaceful retreat. Homes with 3-4 bedrooms in Awendaw typically range from $450,000 to $700,000, reflecting the town’s blend of natural beauty and high-quality living.

Where is Awendaw?

Located north of Mount Pleasant in Charleston County, Awendaw is nestled along Highway 17, known as the Coastal Highway. Its proximity to both the forest and the coast provides a unique blend of inland and seaside experiences. The town is just a short drive from Charleston, allowing residents to enjoy the amenities of the city while returning to the serenity of their small-town home. This easy access, coupled with its natural beauty, makes Awendaw a desirable location for retirement.

9. McClellanville – Tucked-Away Fishing Village Charm

McClellanville is a picturesque fishing village that embodies the quintessential charm of coastal South Carolina. The town is characterized by its historic homes, moss-draped live oaks, and a deep-rooted connection to the sea. Local seafood is a staple, with fresh catches available straight from the boats. The community is tight-knit, and the tranquil streets offer a peaceful ambiance.

For retirees who value simplicity and a close connection to nature, McClellanville is a perfect choice. The average price for a 3-4 bedroom home in McClellanville ranges from $400,000 to $650,000, offering a range of options for those drawn to its idyllic charm.

Where is McClellanville?

Situated between Charleston and Georgetown along Highway 17, McClellanville rests on the edge of the Cape Romain National Wildlife Refuge. Its coastal and forested surroundings provide ample opportunities for outdoor exploration. The town’s location away from major urban centers contributes to its quiet atmosphere, yet it’s still accessible via well-maintained highways. This balance of seclusion and accessibility makes McClellanville an appealing spot for those looking to retire in a serene environment.

8. Garden City – Quiet Beaches and Affordable Coastal Living

Garden City is a charming seaside community known for its tranquil beaches and family-friendly atmosphere. The town offers a variety of affordable housing options, many with picturesque views of the ocean or inlet. Activities abound, from fishing off the Garden City Pier to enjoying live music at local venues. The laid-back lifestyle and tight-knit community make it easy for retirees to feel right at home.

Stroll along the sandy shores or savor fresh seafood at a beachfront restaurant—life here is all about relaxation. Homes with 3-4 bedrooms in Garden City are typically priced between $300,000 and $450,000, providing an affordable entry into coastal living.

Where is Garden City?

Located just south of Myrtle Beach, Garden City sits at the point where the Atlantic Ocean meets Murrells Inlet. This prime location provides residents with both oceanfront and inlet experiences. Easy access via Highway 17 allows for convenient travel to neighboring towns and attractions. Despite its proximity to busier tourist areas, Garden City maintains a peaceful vibe, offering retirees the benefits of coastal living without crowds.

7. Surfside Beach – The Family Beach with Friendly Vibes

Surfside Beach proudly carries the nickname “The Family Beach,” offering a welcoming environment that’s perfect for retirees looking for a friendly community. With its clean, wide beaches and well-maintained public spaces, the town encourages outdoor living. Local events, markets, and festivals provide ample opportunities to engage with neighbors.

The area’s modest size doesn’t limit its amenities; residents enjoy a variety of restaurants, shops, and recreational facilities. It’s a place where newcomers quickly become part of the community. Homes with 3-4 bedrooms in Surfside Beach typically range from $350,000 to $500,000, offering comfortable living in a family-friendly setting.

Where is Surfside Beach?

Nestled between Myrtle Beach to the north and Garden City to the south, Surfside Beach occupies a central spot along the Grand Strand. Its location along Highway 17 Business makes it easily accessible while retaining a small-town feel. The beachfront is a major draw, but the town is also close to golf courses, shopping centers, and healthcare facilities. This convenient location, coupled with its charming atmosphere, makes Surfside Beach an ideal retirement destination.

6. Port Royal – Coastal Living with a Rich Maritime Heritage

Port Royal offers a unique blend of small-town charm and maritime history. The town is situated on a peninsula, providing stunning waterfront views and a plethora of water-based activities. Stroll along the Port Royal Boardwalk and Observation Tower for panoramic vistas, or explore the Cypress Wetlands for a glimpse of local wildlife.

The town’s affordable housing and active community life, including farmers’ markets and festivals, make it appealing for retirees who appreciate a vibrant yet relaxed environment. The average price for a 3-4 bedroom home in Port Royal is between $300,000 and $450,000, making it a budget-friendly option for coastal living.

Where is Port Royal?

Located in Beaufort County, just south of the city of Beaufort, Port Royal is easily accessible via Highway 21. The town is surrounded by the Broad and Beaufort Rivers, emphasizing its strong connection to the water. Its proximity to major roads provides straightforward travel to neighboring cities and amenities. The combination of coastal beauty and convenient location offers retirees a harmonious balance of tranquility and accessibility.

5. Little River – A Serene Coastal Escape Near Myrtle Beach

Little River is the oldest—and one of the most charming—towns along the Grand Strand. Known for its fresh seafood, fishing charters, and the annual Blue Crab Festival, it’s a haven for those who love life by the water. The town’s oak-lined streets and quiet neighborhoods provide a peaceful backdrop for retirement.

Golf courses, marinas, and local art galleries offer plenty of activities to keep life interesting without the hustle of busier tourist spots. 3-4 bedroom homes in Little River typically cost between $250,000 and $400,000, making it an accessible choice for a tranquil coastal lifestyle.

Where is Little River?

Situated just south of the North Carolina border, Little River is the northernmost town on South Carolina’s coast. It’s conveniently located near Highway 17, providing easy access to North Myrtle Beach and other coastal attractions. Despite its proximity to popular destinations, Little River maintains a tranquil atmosphere. The town’s strategic location makes it an excellent choice for retirees seeking serenity with the option for occasional excitement.

4. Edisto Beach – Unspoiled Beaches and Laid-Back Living

Edisto Beach is a peaceful retreat known for its unspoiled coastline and natural beauty. The town lacks the commercialism of bigger beach destinations, offering a more authentic and quiet beach experience instead. Activities include beachcombing, biking along shaded trails, and exploring the nearby Botany Bay Plantation Heritage Preserve.

The absence of traffic lights speaks to the town’s commitment to preserving its laid-back atmosphere. For retirees, Edisto Beach provides a sanctuary where the simple joys of coastal living are front and center. Homes with 3-4 bedrooms in Edisto Beach are priced between $400,000 and $600,000, reflecting the town’s appeal as a serene seaside retreat.

Where is Edisto Beach?

Located on Edisto Island, southwest of Charleston, the town is accessible via scenic Highway 174, which winds through marshlands and past historic plantations. Its relative seclusion contributes to its untouched charm. The drive to the island is part of the allure, offering picturesque views that set the tone for life in Edisto Beach. This tucked-away location ensures a peaceful environment, making it an idyllic spot for retirement.

3. Murrells Inlet – The Seafood Capital with Small-Town Appeal

Murrells Inlet is a quaint fishing village celebrated for its exceptional seafood and charming, small-town vibe. The MarshWalk, a waterfront boardwalk, is lined with restaurants where you can savor the day’s fresh catch while enjoying live music and stunning marsh views. Outdoor enthusiasts will appreciate the proximity to Huntington Beach State Park and Brookgreen Gardens.

The town’s rich history and natural beauty make it a delightful place for retirees seeking both relaxation and engaging activities. The average price for a 3-4 bedroom home in Murrells Inlet ranges from $350,000 to $550,000, offering a mix of affordability and coastal charm.

Where is Murrells Inlet?

Positioned just south of Myrtle Beach along Highway 17, Murrells Inlet is easily accessible yet feels worlds apart from the bustling tourist areas. Its location on a natural inlet provides calm waters ideal for boating and fishing. The town serves as a gateway to the Lowcountry, offering a mix of coastal and marshland environments. This convenient positioning allows retirees to enjoy a serene lifestyle with the option to visit nearby attractions whenever they please.

2. Georgetown – Quaint Harbor Town Steeped in History

Georgetown is South Carolina’s third-oldest city, rich in history and Southern charm. The picturesque Harborwalk overlooks the Sampit River, where you can watch shrimp boats come and go. The town boasts over 50 historic homes, museums, and churches, making it a delight for history buffs. Downtown Georgetown’s tree-lined streets are filled with boutiques, antique shops, and cafes.

The community’s friendly spirit and affordable living make it an attractive choice for retirees who appreciate a blend of history and hospitality. 3-4 bedroom homes in Georgetown are typically priced between $250,000 and $400,000, making it a budget-friendly option with historic appeal.

Where is Georgetown?

Situated between Myrtle Beach and Charleston along Highway 17, Georgetown is easily accessible while retaining its small-town allure. The town rests at the confluence of four rivers, providing abundant waterfront vistas and outdoor activities. Its central location makes it a convenient base for exploring the South Carolina coast. The unique geography and easy accessibility enhance Georgetown’s appeal as a retirement destination that offers both serenity and connectivity.

1. Beaufort – A Historic Coastal Gem with Southern Charm

Beaufort captivates with its antebellum architecture, moss-draped oaks, and scenic waterfront parks. The town’s rich history is evident in its well-preserved historic district, where horse-drawn carriages clip-clop along the streets. Art galleries, boutiques, and gourmet restaurants add to the vibrant yet relaxed atmosphere.

Retirees can enjoy boating, fishing, or simply basking in the beauty of the coastal landscapes. With friendly locals and a strong sense of community, Beaufort embodies the quintessential Southern coastal lifestyle. 3-4 bedroom homes in Beaufort typically range from $350,000 to $500,000, providing a balance of charm and affordability.

Where is Beaufort?

Located on Port Royal Island along the Atlantic Intracoastal Waterway, Beaufort is in the heart of South Carolina’s Lowcountry. The town is accessible via Highway 21 and is approximately halfway between Charleston and Savannah, Georgia. Its coastal position provides endless opportunities for water recreation and exploration of nearby sea islands. The convenient yet idyllic location makes Beaufort a top choice for retirees seeking both charm and accessibility.