The Most Affordable Coastal Towns to Buy Property in Britain

There’s something deeply appealing about waking up to the sound of waves and sea air drifting through your windows. For many, coastal living conjures up images of expensive retreats and high price tags—but the good news is, not every beachside location in Britain breaks the bank. In fact, several coastal towns remain surprisingly affordable for buyers looking for a slower pace of life, better value, or a holiday let opportunity.

Whether you're seeking a retirement home, a second property, or a lifestyle shift, here are some of the most affordable coastal towns in the UK—plus a few things you should know before making your move.

Why consider coastal property?

From mental well-being to rental potential, living by the sea offers many advantages. Coastal towns often benefit from stronger community ties, cleaner air, and access to outdoor activities like walking trails, sailing, and seaside cafes. In recent years, demand has surged—especially among remote workers and retirees—putting more of a spotlight on previously overlooked, budget-friendly seaside areas.

Britain’s most affordable coastal towns

Let’s explore a few of the best-value locations where you can enjoy coastal life without overstretching your budget.

1. Saltcoats, North Ayrshire (Scotland)

With average house prices well below the national average, Saltcoats is one of Scotland’s cheapest coastal towns. Located on the west coast, it offers direct train links to Glasgow and impressive views over the Firth of Clyde.

2. Hartlepool, County Durham

Hartlepool continues to attract buyers looking for affordability and regeneration potential. This North East town has undergone significant investment, especially along the marina and waterfront area.

3. Morecambe, Lancashire

Currently undergoing a renaissance with the anticipated arrival of the Eden Project North, Morecambe is tipped to grow in popularity. Despite the potential, property prices remain surprisingly low, making it a smart choice for long-term buyers.

4. Newbiggin-by-the-Sea, Northumberland

A charming small town with a long sandy beach and affordable homes, Newbiggin is popular among retirees and first-time buyers alike. You’ll also find an active local art scene and regular community events.

5. Rhyl, Denbighshire (North Wales)

Rhyl offers a mix of traditional seaside charm and regeneration opportunities. It’s ideal for those looking for buy-to-let potential or family-sized homes near the beach.

If you’re researching areas with the cheapest house in the UK, several of these towns are already topping the charts for value-for-money coastal property.

Budget-friendly doesn’t mean compromise

While affordability is key, it’s important not to overlook other factors when buying a coastal property—like transport links, flood risk, and seasonal demand. Some cheaper seaside locations may see a dip in amenities during off-peak months, so planning your lifestyle needs in advance is essential.

That’s where working with experienced agents becomes invaluable. Even if you're based inland—say, in Bedfordshire—your local agent can help guide you through nationwide investment opportunities. For instance, Estate Agents in Biggleswade can offer advice on how to build a property portfolio or relocate strategically, even to the coast.

Trust Belvoir for expert property guidance

Whether you're searching for your first seaside retreat or expanding your property investments, Belvoir brings national experience and local insight. With offices across the UK, including coastal and countryside locations, Belvoir helps buyers uncover hidden gems and make confident property decisions.

Ready to explore coastal living?

The British coastline offers more than just pretty views—it’s also home to some of the best-value properties for savvy buyers. If you're thinking about making the move, now’s the time to act while prices in these affordable towns remain within reach.

For expert advice and tailored support, connect with your local estate agent today.