There’s just something about oceans and other water bodies that seem to invoke a sense of calm and peace. If you’re like many Americans, then you probably also get a thrill out of watching majestic sunsets or sunrises, hearing the soothing sound of the crashing waves and feeling the sand between your toes. So, why not live by the ocean or any other body of water?

The primary problem is simple: Beachfront property is often too expensive. Or is it? It turns out, the U.S. is full of cities that can make your dream of living near water come true. GOBankingRates sourced the top beach towns in the U.S. from a variety of sources and looked at the data on cost of living, home values, mortgage payments and more. These cities span the nation, with higher concentrations in places like Hawaii, Texas, Florida and Washington.

50. Alexandria, Minnesota

• Median annual income: $57,309

• Monthly mortgage payment: $1,601

• Average home value: $267,625

• State average home value: $340,599.95

• Difference: $72,974.91

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49. Muskegon, Michigan

• Median annual income: $40,900

• Monthly mortgage payment: $1,019

• Average home value: $170,361

• State average home value: $243,677.86

• Difference: $73,316.45

48. Duluth, Minnesota

• Median annual income: $63,545

• Monthly mortgage payment: $1,575

• Average home value: $263,379

• State average home value: $340,599.95

• Difference: $77,220.57

47. Providence, Rhode Island

• Median annual income: $61,365

• Monthly mortgage payment: $2,336

• Average home value: $390,530

• State average home value: $468,794.52

• Difference: $78,264.54

46. Algoma, Wisconsin

• Median annual income: $72,232

• Monthly mortgage payment: $1,349

• Average home value: $225,496

• State average home value: $306,459.71

• Difference: $80,963.47

Pictured: Milwaukee

45. Kapolei, Hawaii

• Median annual income: $121,768

• Monthly mortgage payment: $5,473

• Average home value: $915,018

• State average home value: $996,981.53

• Difference: $81,963.44

44. Corpus Christi, Texas

• Median annual income: $64,449

• Monthly mortgage payment: $1,345

• Average home value: $224,777

• State average home value: $308,385.14

• Difference: $83,607.98

43. Laconia, New Hampshire

• Median annual income: $67,856

• Monthly mortgage payment: $2,449

• Average home value: $409,391

• State average home value: $496,131.30

• Difference: $86,740.07

42. Texas City, Texas

• Median annual income: $61,359

• Monthly mortgage payment: $1,300

• Average home value: $217,371

• State average home value: $308,385.14

• Difference: $91,014.01

Pictured: Port Arthur

41. Eerie, Pennsylvania

• Median annual income: $43,135

• Monthly mortgage payment: $1,050

• Average home value: $175,615

• State average home value: $267,924.52

• Difference: $92,309.28

40. Fort Walton Beach, Florida

• Median annual income: $61,820

• Monthly mortgage payment: $1,936

• Average home value: $323,668

• State average home value: $417,228.14

• Difference: $93,560.32

39. Norfolk, Virginia

• Median annual income: $60,998

• Monthly mortgage payment: $1,785

• Average home value: $298,335

• State average home value: $395,912.17

• Difference: $97,577.51

38. Lihue, Hawaii

• Median annual income: $73,641

• Monthly mortgage payment: $5,379

• Average home value: $899,211

• State average home value: $996,981.53

• Difference: $97,770.39

37. Milwaukee, Wisconsin

• Median annual income: $49,733

• Monthly mortgage payment: $1,227

• Average home value: $205,132

• State average home value: $306,459.71

• Difference: $101,328.17

36. Jacksonville, Florida

• Median annual income: $64,138

• Monthly mortgage payment: $1,859

• Average home value: $310,790

• State average home value: $417,228.14

• Difference: $106,438.27

35. Toledo, Ohio

• Median annual income: $45,405

• Monthly mortgage payment: $712

• Average home value: $119,053

• State average home value:  $229,380.80

• Difference: $110,327.96

34. Carrabelle, Florida

• Median annual income: $41,563

• Monthly mortgage payment: $1,824

• Average home value: $304,960

• State average home value: $417,228.14

• Difference: $112,268.04

33. Middle River, Maryland

• Median annual income: $72,970

• Monthly mortgage payment: $1,881

• Average home value: $314,499

• State average home value: $430,752.21

• Difference: $116,252.75

Pictured: Ocean City

32. Fort Pierce, Florida

• Median annual income: $45,121

• Monthly mortgage payment: $1,797

• Average home value: $300,487

• State average home value: $417,228.14

• Difference: $116,741.07

31. Palacios, Texas

• Median annual income: $59,469

• Monthly mortgage payment: $1,131

• Average home value: $189,139

• State average home value: $308,385.14

• Difference: $119,246.18

Pictured: South Padre Island

30. Brownsville, Texas

• Median annual income: $46,735

• Monthly mortgage payment: $1,129

• Average home value: $188,705

• State average home value: $308,385.14

• Difference: $119,680.47

29. Daytona Beach, Florida

• Median annual income: $47,608

• Monthly mortgage payment: $1,777

• Average home value: $297,073

• State average home value: $417,228.14

• Difference: $120,154.87

28. Cleveland, Ohio

• Median annual income: $37,271

• Monthly mortgage payment: $643

• Average home value: $107,571

• State average home value: $229,380.80

• Difference: $121,809.89

27. Hampton, Virginia

• Median annual income: $64,430

• Monthly mortgage payment: $1,611

• Average home value: $269,250

• State average home value: $395,912.17

• Difference: $126,662.65

Pictured: Virginia Beach

26. Port Lavaca, Texas

• Median annual income: $58,871

• Monthly mortgage payment: $1,068

• Average home value: $178,616

• State average home value: $308,385.14

• Difference: $129,769.34

Pictured: Galveston

25. Panama City, Florida

• Median annual income: $57,221

• Monthly mortgage payment: $1,702

• Average home value: $284,572

• State average home value: $417,228.14

• Difference: $132,655.75

24. Bremerton, Virginia

• Median annual income: $68,556

• Monthly mortgage payment: $2,823

• Average home value: $471,908

• State average home value: $611,214.65

• Difference: $139,307.00

23. New London, Connecticut

• Median annual income: $56,237

• Monthly mortgage payment: $1,713

• Average home value: $286,335

• State average home value: $426,050.76

• Difference: $139,716.20

22. Essex, Maryland

• Median annual income: $67,580

• Monthly mortgage payment: $1,671

• Average home value: $279,296

• State average home value: $430,752.21

• Difference: $151,456.35

21. Pensacola, Florida

• Median annual income: $67,722

• Monthly mortgage payment: $1,565

• Average home value: $261,647

• State average home value: $417,228.14

• Difference: $155,581.44

20. Freeport, Texas

• Median annual income: $50,704

• Monthly mortgage payment: $854

• Average home value: $142,728

• State average home value: $308,385.14

• Difference: $165,656.81

Pictured: South Padre Island

19. Port Angeles, Washington

• Median annual income: $60,212

• Monthly mortgage payment: $2,659

• Average home value: $444,541

• State average home value: $611,214.65

• Difference: $166,674.07

18. Detroit, Michigan

• Median annual income: $37,761

• Monthly mortgage payment: $432

• Average home value: $72,292

• State average home value: $243,677.86

• Difference: $171,385.69

17. Salisbury, Maryland

• Median annual income: $53,309

• Monthly mortgage payment: $1,527

• Average home value: $255,343

• State average home value: $430,752.21

• Difference: $175,409.63

Pictured: Assateague Island

16. Coos Bay, Oregon

• Median annual income: $60,212

• Monthly mortgage payment: $2,659

• Average home value: $444,541

• State average home value: $611,214.65

• Difference: $166,674.07

15. Port Arthur, Texas

• Median annual income: $45,357

• Monthly mortgage payment: $633

• Average home value: $105,798

• State average home value: $308,385.14

• Difference: $202,587.63

14. Buffalo, New York

• Median annual income: $46,184

• Monthly mortgage payment: $1,340

• Average home value: $224,057

• State average home value: $443,364.58

• Difference: $219,307.88

13. Rochester, New York

• Median annual income: $60,212

• Monthly mortgage payment: $2,659

• Average home value: $444,541

• State average home value: $611,214.65

• Difference: $166,674.07

12. Ocean Shores, Washington

• Median annual income: $54,435

• Monthly mortgage payment: $2,290

• Average home value: $382,766

• State average home value: $611,214.65

• Difference: $611,214.65

11. Long Beach, Washington

• Median annual income: $47,188

• Monthly mortgage payment: $2,275

• Average home value: $380,393

• State average home value: $611,214.65

• Difference: $230,821.85

10. Lanai City, Hawaii

• Median annual income: $80,464

• Monthly mortgage payment: $4,475

• Average home value: $748,093

• State average home value: $996,981.53

• Difference: $248,888.91

Pictured: Kihei

9. Atlantic City, New Jersey

• Median annual income: $35,188

• Monthly mortgage payment: $1,416

• Average home value: $236,698

• State average home value:  $539,808.00

• Difference: $303,109.59

8. Jamestown, New York

• Median annual income: $39,507

• Monthly mortgage payment: $680

• Average home value: $113,640

• State average home value:  $443,364.58

• Difference: $329,724.98

7. Maunaloa, Hawaii

• Median annual income: $80,464

• Monthly mortgage payment: $4,475

• Average home value: $748,093

• State average home value: $996,981.53

• Difference: $248,888.91

Pictured: Holualoa

6. Aberdeen, Washington

• Median annual income: $50,008

• Monthly mortgage payment: $1,624

• Average home value: $271,456

• State average home value: $611,214.65

• Difference: $339,758.39

5. Waianae, Hawaii

• Median annual income: $77,435

• Monthly mortgage payment: $3,814

• Average home value: $637,558

• State average home value: $996,981.53

• Difference: $359,423.57

Pictured: Kauai

4. Eureka, California

• Median annual income: $51,971

• Monthly mortgage payment: $2,485

• Average home value: $415,360

• State average home value: $805,913.17

• Difference: $390,553.57

3. Hilo, Hawaii

• Median annual income: $75,589

• Monthly mortgage payment: $3,091

• Average home value: $516,681

• State average home value: $996,981.53

• Difference: $480,300.53

2. Kaunakakai, Hawaii

• Median annual income: $67,083

• Monthly mortgage payment: $2,736

• Average home value: $457,474

• State average home value: $996,981.53

• Difference: $539,507.34

Pictured: Kihei

1. Clearlake, California

• Median annual income: $41,047

• Monthly mortgage payment: $1,304

• Average home value: $217,921

• State average home value:  $805,913.17

• Difference between typical and state home value: $587,992.34

This article originally appeared on GOBankingRates.com: 50 Waterfront Cities Where Homes Are a Total Steal