Is it worth having a beach house?

Yes, buying a beach house is a good idea — if you have the funds to purchase it, insure it, and maintain it. If it will be a vacation home, you'll need to ensure you can get there on a regular basis.



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High Cost & Maintenance Owning a beach house property comes with high costs and maintenance. Real estate costs are always higher for beach properties as compared to other locations. The interest on a mortgage will also be a premium due to demand for beach houses and its location.

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Expect higher utility costs for beach houses due to their year-round use and potential additional features like pools. Frequent Maintenance: Due to saltwater and harsh weather. Beach houses may require more frequent maintenance to combat the effects of saltwater and harsh weather conditions.

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Don't Get Burned! 6 Pitfalls to Avoid When Buying a Beach Home
  • #1: Not sticking to a budget. ...
  • #2: Counting on rental income to offset your costs. ...
  • #3: Forgetting about the neighbors. ...
  • #4: Not using a compass. ...
  • #5: Skipping out on the proper insurance. ...
  • #6: Not using a coastal home inspector.


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Some of the cons to owning oceanfront property include:
  • The potential for coastal erosion.
  • The risk of hurricanes and floods.
  • Higher maintenance costs.
  • Restrictions on what you can do with the property (ie. no building higher than a certain height)


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But it's important for you to consider all the pros and cons of what owning a beach home will entail. In addition to the stunning views, laidback lifestyle, and incredible seafood, you'll also need to budget for higher home maintenance and insurance (and maybe an extra bedroom for all those visitors).

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Check out this list of eight must-haves you should incorporate into your vacation home this summer.
  • Comfy Porch Furniture. ...
  • Game Night Supplies. ...
  • Strong but Stylish Furniture. ...
  • Nautical Accessories. ...
  • Bedroom Fans. ...
  • Outdoor Showers. ...
  • Room for Guests.


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Outside of the obvious benefits, like being able to work on your tan whenever you want, the fresh air and vitamin D are great for your health. Studies also show that people who live near the beach are often less stressed and live happier lives!

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Being in “blue spaces” offers a mental boost, research suggests. Living by the ocean blue can help keep you from feeling … well, blue. A new U.K. study of almost 26,000 people finds that those who reside about half a mile from the beach have better mental health than those who live more than 30 miles away.

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Reduces the risk of premature death Well, it turns out that living near the beach can prevent premature death in several ways. In one piece of research, it was found that immersing in cold water (swimming, wading, and diving, for instance) several times per week led to higher white blood cell counts.

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Cons of Moving to the Beach
  • Lots of Visitors When Living at the Beach… Wait…wasn't that just listed as a pro? ...
  • Inclement Weather. ...
  • Home Deterioration Near the Beach. ...
  • Higher Home Insurance Premiums. ...
  • Higher Home Prices Near the Beach.


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Gulfport, Mississippi, ranked as the cheapest town in which to buy a beach house, according to Realtor.com.

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