A bench under palm trees on a tropical beach in the Florida Keys

Coastal living can be within your budget in these active adult communities.

Determining what is a “need” versus what is a “want” when looking for a home in a 55+ community is a choice many homebuyers face. The desire to be near family and the limits of a budget can have a real effect on the decision making process. For many homebuyers, living in a sunny coastal location falls more into that “need” category, but unfortunately, coastal living often comes with a more significant price tag. But what if it didn't?

There are a surprising number of coastal communities with homes under $100k, making this dream lifestyle much easier to attain for people with even a modest budget. These communities can be an ideal choice for homebuyers looking for a second home, perhaps to seek refuge from icy northern winters. They are also worth looking at for homebuyers who might prefer to give the coastal life a try at a lower cost before upgrading to a larger or more expensive home.

We’ve compiled a list of some fantastic coastal communities with homes under $100k that give homebuyers plenty of sunshine and warmth without breaking the bank. While, yes, it's true a few of the homes might need a bit of redecorating or sprucing up, it's certainly possible for the thrifty and well-informed homebuyer to find some real bargains.

Sun City Center - Sun City Center, FL

 Below $100k - Mid $500s

This is arguably the community that started it all in Florida way back in 1961. As a part of the legendary Sun City lineup of communities, Sun City Center offers a truly astounding level of amenities and services, including a 97,000-square-foot clubhouse and amenity center.

Its great coastal location means you’re never far from the water, and the area experiences more than 300 sunshine-filled days a year. Well-maintained condos regular sell for well under $100k at this premier Florida community.

Learn more information about Sun City Center here.

On Top of The World Clearwater - Clearwater, FL

Below $100k - Low $200s

Nestled in between Tampa Bay and the Gulf of Mexico, On Top of the World Clearwater is another stand-out coastal community with homes under $100k. It too offers impressive amenities that might be surprising to some, making it a real value. Two recreation centers offer fitness centers, spas, a cafe, art studios, and plenty of gathering spaces.

Condos in this well-kept community can easily be found for under $100k and many of them have been tastefully updated over the years, making it easy to find a move-in ready unit.

Learn more information about On Top of the World Clearwater here.

Century Village at West Palm Beach - West Palm Beach, FL

Below $100k - High $100s

This not-so-well-kept secret of a community is just minutes from the Atlantic coast, and it's a golfer’s delight. There are a half a dozen golf courses within a 10- to 15-minute drive and many more just a bit further. It's fairly easy to find a condo here well under $100k, and like the other communities we’ve mentioned, there are no big trade-offs when it comes to amenities.

At the center of the community lies a sprawling 92,000-square-foot clubhouse with a fitness center, both indoor and outdoor pools, and a 1,221-seat performance theater. An inter-community transit system makes it easy to visit neighbors without having to get in the car.

Learn more information about Century Village at West Palm Beach here.

Poinciana - Lake Worth, FL

 Below $100k - Mid $100s

Golf is something of a way of life in Southeast Florida. What better way to enjoy that lifestyle than to have a golf course within your own community; Poinciana offers that to its residents along with a whole lot more.

After a round on the 18-hole course, residents can kick back and relax at the community’s clubhouse which has an outdoor pool and patio along with its own bistro featuring live music many nights of the week. Spacious and modern condos can easily be had at this coastal community at budget-friendly prices.

Learn more information about Poinciana here.

Lucerne Lakes - Lake Worth, FL

Below $100k - Mid $100s 

Only a short drive from this community and you’ll find yourself in glamorous South Palm Beach, making this another great coastal community with homes under $100k. This community sits on the grounds of the Forest Oaks Golf Club, and it's adjacent to the Fountains Country Club, making it yet another community geared towards golfers.

Much like the other communities on our list, you’ll find a number of thoughtfully designed condos at prices that make this perfect for a summer home or a year-round residence.

Learn more information about Lucerne Lakes here.

Riviera Golf Estates - Naples, FL

Below $100k - Mid $200s

This age-restricted neighborhood consists of 700 residences many of which have scenic views of lush landscapes and lagoons. As the name implies, it's built surrounding an 18-hole golf course, making it easy to play a few holes when the mood strikes.

Naples' beautiful beaches are just six miles away which means you’re never far from the warm Gulf waters and abundant sunshine. Condos under $100k come on the market with some frequency, so keep an eye out at this attractive Gulf Coast community.

Learn more information about Riviera Golf Estates here.

Kings Point in Delray Beach - Delray Beach, FL

Below $100k - Mid $100s

There are 7,200 homes in this large community in Palm Beach County. With three clubhouses, the largest of which is 100,000 square feet, it's never difficult to find something to do or people to meet in this lively resort-like community.

Kings Point also has two golf courses: a par-three perfect for a quick game with friends or neighbors and a more-challenging Executive course to really test one’s skills. It's fairly easy to find a condo here at a very reasonable price.

Learn more information about Kings Point in Delray Beach here.

Finding an active adult community can be intimidating, especially if you’re unfamiliar with a new part of the country. Too often, homebuyers think they won't be able to afford to live near the coast, but it's not only possible to find a coastal community with homes under $100k, there are actually a wealth of options. With careful planning, some research, and a good real estate agent it is easier than you might think to live the coastal lifestyle of your dreams without breaking the bank.