The warmest water temperature is in August with an average around 66.9°F / 19.4°C. The coldest month is March with an average water temperature of 57.9°F / 14.4°C.
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It's more of a question of preference. A little cooler than your body temperature (98.6° Fahrenheit) should not be too cold so that you don't get chilled. 70° to 78° Fahrenheit is the range where most folks feel comfortable swimming. 2.
Makunufushi Island, MaldivesThe Maldives doesn't have a swimming season because the water is always warm enough (82 to 86 degrees) to dive right in and splash around. There are tons of gorgeous beaches, but we're partial to the private island of Makunufushi.
According to the National Center for Cold Water Safety, water temperatures below 70 degrees Fahrenheit should be treated with caution. Water temperatures between 50 and 60 degrees Fahrenheit makes it difficult to control your breathing, and anything lower than 40 degrees is painfully cold.
The Balboa Peninsula provides shelter from the open Pacific to make Newport Beach waters the warmest in California year round. But any beach in southern California during August has relatively warm water.
The heat that the ocean absorbs is mixed with the lower water quickly. That mixing spreads the heat around. At night, while the land cools off quickly, the water at the surface is kept warmer because the water is mixed around with the warmer water underneath.
Thirty degrees and above is considered too warm for comfortable swimming by virtually all swimmers. Triathletes use a standard measurement of 24 degrees Celsius / 75 degrees Fahrenheit as the temperature up to which they are allowed to wear wet-suits. By that standard, 24 degrees is the upper limit of cold water.
When the land heats up, the air above it heats up as well. On the other hand, the ocean heats up and cools down relatively slowly. Therefore, areas near the ocean generally stay cooler during the day and have a more moderate temperature range than inland areas.