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Upgrade: Retire comfortably on $40,000 a year in these 4 lovely beach towns in Florida, Texas and Mississippi

On the beach, and on a budget?

That can be a reality for retirees — that is, if they know where to look. The average over-65 household in America drops $49,000 a year on everything from housing to food, according to the Census Bureau. But you don’t have to spend that much and, in fact, can spend far less — and retire to a sunny beach town. (No, really.)

MarketWatch looked at beach towns across America where the overall cost of living was significantly below average, where housing was reasonably priced and where there are plenty of things to see and do.

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