We usually visit the Gulf Coast (Sarasota/Clearwater) in early October and always swim in the Ocean. It is still lovely and hot with air temps generally into the high 80s.
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Sand and surf aren't just for summer fun.Just because summer is over doesn't mean you need to stop hitting the beach! A fall beach trip has many upsides—less crowds, fewer sunburns, off-season deals, the list goes on! Sure, you may need a light jacket in the evening, but there's still so much to enjoy.
The warmest sea temperatures in October can be found in Hurghada, Egypt (28ºC), Cancun (27ºC), Dubai (27ºC), Dominican Republic (27ºC), Miami (27ºC), Phuket (27ºC) and Bali (27ºC). In Europe, the highest sea temperatures are in the Canary Islands (25ºC) and Cyprus (25ºC).
Summer: July and AugustBut not all beaches are created equal and many people prefer tropical beaches, like those found in the Caribbean in the winter, when it's also less likely to rain. If you can handle the heat, you may find better deals for cruises to these hotter islands in July and August.
There's a difference between going to the beach, and going in the water. You're probably not going to be happy going into, and then coming out of the water, if the air temperature is much below about 75°, give or take. But, you can take your family to the beach anytime!