When most people think of beach living, images of million-dollar homes and sky-high rents often come to mind. But in Maryland, a few coastal gems prove you don’t need to be rich to enjoy the sea breeze and sandy toes.
Whether you’re dreaming of retiring by the water or want an affordable place to raise your family with a coastal backdrop, these Maryland beach towns offer a rare mix of charm, community, and cost-effectiveness. Here are five beach towns in Maryland where you can actually live without draining your bank account.
1. Crisfield – The Crab Capital with Small-Town Prices
Tucked away on Maryland’s lower Eastern Shore, Crisfield is a working waterfront town famous for its blue crabs, seafood festivals, and laid-back lifestyle. While it doesn’t have the flashy boardwalk of Ocean City, it boasts authentic Chesapeake Bay culture, calm waters, and stunning sunsets.
Why It’s Affordable:
The median home price in Crisfield hovers around $150,000—well below the state and national averages. Rentals are equally reasonable, making it ideal for retirees, artists, and those looking to escape city stress.
Lifestyle Perks:
You’ll enjoy waterfront parks, boat access to Smith Island, and some of the freshest seafood around. Its slower pace makes it perfect for anyone looking to unwind.
2. Havre de Grace – Affordable Waterfront Living with History
Located at the confluence of the Susquehanna River and the Chesapeake Bay, Havre de Grace is a scenic, walkable town with a thriving arts scene and historic charm. Known for its waterfront promenade, iconic lighthouse, and antique shops, it’s a popular day trip from Baltimore and Philly—but it’s also a viable home base.
Why It’s Affordable:
With a median home price under $300,000, Havre de Grace is more affordable than many surrounding metro areas. The town offers good value for those looking for water views and culture.
Lifestyle Perks:
Residents enjoy year-round festivals, hiking along the nearby Susquehanna State Park, and kayaking on the Bay. It’s also commuter-friendly with easy access to I-95 and the MARC train.
3. Cambridge – Reviving City on the Bay
Cambridge is one of Maryland’s oldest towns and is currently experiencing a revival. Situated along the Choptank River and close to the Chesapeake Bay, it offers a mix of history, nature, and opportunity at a price that won’t break the bank.
Why It’s Affordable:
Real estate in Cambridge is still catching up to its potential, with many homes priced below $250,000. Property taxes are also relatively low, making it a smart choice for long-term living.
Lifestyle Perks:
Cambridge is home to the Harriet Tubman Underground Railroad Visitor Center, boutique shops, and a growing foodie scene. The surrounding area offers wildlife refuges, biking trails, and peaceful waterfront living.
4. Princess Anne – Coastal Living with Colonial Charm
Just a short drive from the Tangier Sound and the beaches of Assateague Island, Princess Anne is a historic town filled with colonial architecture and Southern charm. It’s quieter than nearby tourist spots but offers the same beautiful Eastern Shore scenery.
Why It’s Affordable:
Home values in Princess Anne are some of the lowest in the region, with many properties priced under $200,000. Renters also benefit from below-average costs, making it a hidden coastal bargain.
Lifestyle Perks:
This town offers a tranquil lifestyle with easy access to outdoor recreation, including kayaking, birdwatching, and exploring local parks. It’s also home to the University of Maryland Eastern Shore, which adds a touch of campus life to the community.
5. North Beach – Budget-Friendly Alternative Near the Metro
If you’re looking for beach town vibes without straying too far from Washington, D.C., North Beach might be your answer. Located in Calvert County on the western shore of the Chesapeake Bay, North Beach offers a boardwalk, sandy beach, and community events all year long.
Why It’s Affordable:
While home prices here are higher than Crisfield or Cambridge, you can still find condos and townhomes under $300,000—rare for a beach town so close to major cities. And with lower property taxes compared to many neighboring counties, it’s a smart pick for budget-conscious buyers.
Lifestyle Perks:
You get the best of both worlds: seaside charm with modern conveniences. From farmers markets and festivals to easy access to work in the D.C. metro area, North Beach is ideal for young professionals and families.
Final Thoughts
Maryland’s coastline isn’t just for vacationers and the wealthy. These five beach towns prove that you can soak in the salty air, take morning walks by the bay, and enjoy a close-knit coastal community—without going broke. Whether you’re looking to downsize, relocate, or retire, consider these affordable Maryland gems for your next move. The ocean breeze doesn’t have to come with a luxury price tag.