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The place ought to I retire ?: I wish to purchase a home in a heat place close to the seashore for $ 350,000 – the place ought to I retire?

I'm 68 years old and I've saved $ 1.2 million. I want to retire to a warm place with no snow and close to the beach. In January I want to have a cup of coffee on my terrace and not be able to freeze my butt. I have nothing against a jacket, but no winter coat, no boots, no scarves. Daily highs in January should be in the 60s, night lows in the 40s or 50s (50s are better).

My home budget is $ 350,000 or less.

What are some options?

Leon

Dear Leon,

Given these winter temperature requirements, you need to focus on the Georgia Atlantic coast south and the Gulf of Mexico. However, you may still have to compromise on how close your dream location is to the beach, especially when people are looking for more fun to work from home and the housing markets are hot.

You may also want to consider what else is important to you. Do you prefer a small town? One with lots of restaurants and cultural facilities? Is the accessibility important? Are you looking for other outdoor activities? What about health care? This could help narrow down your choices.

Another question: how much space do you need? As you get small, a range may be possible that is otherwise not allowed.

I think you know the risks of hurricanes, but don't underestimate the summer humidity in this part of the country. So, visit us both winter and winter before you commit. Test your plans for building your social network there.

As always, a place may sound good from the data, but only you know if it fits right.

Here are three suggestions to get you started:

Matthew Villegas / Courtesy New Smyrna Beach Area CVB

New Smyrna Beach, Florida

This city of 28,000 people on the Atlantic coast is 25 miles south of Daytona Beach, has a bustling downtown area with plenty of independent restaurants, and is an end point of the 75-mile East Central Regional Rail Trail that takes you to Titusville or the Spring. To-Spring Trail in the center of the state. The Atlantic Center for the Arts can nurture your creative side. Or you can learn to surf; Surfer magazine has named this one of the best surfing towns in the country.

More than a third of the population are 65 years of age or older.

The average highs in January are 69 degrees and the average overnight lows are 50. In July you have average highs of 89 degrees.

The median list price for townhouses and condos is your price, according to Realtor.com (which, like MarketWatch, is owned by News Corp.). An affordable single family home will be more difficult to find.

Here's what's for sale right now.

Part of the Gulf Islands National Seashore is adjacent to Gulf Breeze, Florida. This is in Perdido Key.

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Gulf breeze, Florida

Consider this fast-growing, 7,000-resident community on a peninsula between Pensacola and Pensacola Beach as an option along the white sands of the Gulf side. Next to it is a section of the Gulf Islands National Seashore, which extends over 215 square miles in Florida and Mississippi.

The average highs in winter are in the low 60s. However, lows will be in the 1940s. In summer the average high is 90.

You will find many other retirees. Almost 21% of the residents here are 65 years and older, and so are almost 17% of the 53,000 residents of nearby Pensacola.

You can also find apartments that also fit your budget. Here's what's on the market right now.

Horace Caldwell Pier on Mustang Island.

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Corpus Christi, Texas

Continue along the gulf and you will eventually reach Corpus Christi, what the US news and world report calls "Florida of Texas", only cheaper.

This is a big city option: more than 325,000 people with a below average percentage of people aged 65 and over. However, this is not the only way that is different from my other two proposals. Since it's Texas, there's rodeo here.

Of course, you will find the windsurfers and kayakers you will see in Florida. Corpus also claims it is the fishing capital of Texas should that resonate.

Start on the beach with the Padre Island neighborhood just off the John F. Kennedy Memorial Causeway between Mustang Island State Park and Padre Island National Seashore. Explore the quaint Port Aransas as well, though it may be more difficult to find a home given your budget.

A little further afield on Aransas Bay is Rockport, one of the towns that Realtor marks as an affordable retirement beach town. More than 10,000 people live here, more than a quarter of them are 65 years of age or older.

The weather looks like this: January lows in the upper 40s; It's high in the 60s. In July, the average highs will be around 90. Night lows will average nearly 80.

Here's what's on the market now in the Mustang-Padre Island section as well as all over Corpus Christi.

Reader, where should Leon retire? Leave your suggestions in the comment section.

Also read: We'd like to retreat to Florida, or a Florida-like atmosphere, and buy a condo with many amenities for $ 250,000 – where should we go?

My retirement income is $ 95,000 a year, and I want a walkable, affordable beach town to spend the winter on. Where should I retire?

"Healthcare will keep us from going back to the US": A married couple from Texas who moved back to Spain on about $ 2,000 a month

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