{"id":38220,"date":"2025-07-16T06:00:00","date_gmt":"2025-07-16T10:00:00","guid":{"rendered":"https:\/\/www.zoocasa.com\/blog\/?p=38220"},"modified":"2025-07-23T09:27:18","modified_gmt":"2025-07-23T13:27:18","slug":"affording-a-vacation-home","status":"publish","type":"post","link":"https:\/\/www.zoocasa.com\/blog\/affording-a-vacation-home\/","title":{"rendered":"Can You Afford to Live Where You Vacation? Here&#8217;s What It Costs in America\u2019s Most Popular Spots"},"content":{"rendered":"\n<p>Have you ever landed in a new city and thought, &#8220;I could live here&#8221;? For most, it\u2019s a passing vacation daydream, but what if affording a vacation home was actually within reach? In some popular destinations, year-round sunshine and waterfront views might be more affordable than you\u2019d expect.<\/p>\n\n\n\n<p>Zoocasa analyzed median single-family home prices across 40 popular U.S. vacation destinations and calculated the annual income needed to afford a home in each one as well as the average monthly mortgage payment. The results might just inspire you to turn your next getaway into a permanent stay.<\/p>\n\n\n<p><iframe title=\"Can You Afford to Live Where You Vacation?\" aria-label=\"Table\" id=\"datawrapper-chart-PDRts\" src=\"https:\/\/datawrapper.dwcdn.net\/PDRts\/2\/\" scrolling=\"no\" frameborder=\"0\" style=\"width: 0; min-width: 100% !important; border: none;\" height=\"914\" data-external=\"1\"><\/iframe><script type=\"text\/javascript\">!function(){\"use strict\";window.addEventListener(\"message\",function(a){if(void 0!==a.data[\"datawrapper-height\"]){var e=document.querySelectorAll(\"iframe\");for(var t in a.data[\"datawrapper-height\"])for(var r,i=0;r=e[i];i++)if(r.contentWindow===a.source){var d=a.data[\"datawrapper-height\"][t]+\"px\";r.style.height=d}}})}();\n<\/script><\/p>\n\n\n\n<h1 class=\"wp-block-heading\">Affording a Vacation Home on a $100K Income or Less<\/h1>\n\n\n\n<p>Many vacation markets require an income of over $150,000 to buy a home, but there are affordable alternatives.&nbsp;<\/p>\n\n\n\n<p>In fact, the five most affordable vacation home markets all have average mortgage payments below the national average. For context, the national median price for a single-family home is $402,300, resulting in an average monthly mortgage payment of $2,081 (assuming a 20% down payment and a 30-year fixed rate of 6.72%).&nbsp;<\/p>\n\n\n\n<p>In <a href=\"https:\/\/www.zoocasa.com\/new-orleans-la-real-estate\" target=\"_blank\" rel=\"noreferrer noopener\">New Orleans<\/a>, <a href=\"https:\/\/www.zoocasa.com\/pensacola-fl-real-estate\" target=\"_blank\" rel=\"noreferrer noopener\">Pensacola<\/a>, <a href=\"https:\/\/www.zoocasa.com\/savannah-ga-real-estate\" target=\"_blank\" rel=\"noreferrer noopener\">Savannah<\/a>, and <a href=\"https:\/\/www.zoocasa.com\/galveston-tx-real-estate\" target=\"_blank\" rel=\"noreferrer noopener\">Galveston<\/a>, the average monthly payment falls under $2,000, with a required income of just $76,000 or less. If you\u2019re after beach access, Pensacola stands out as the most affordable coastal city on the list, with a median home price of just $330,000.&nbsp;<\/p>\n\n\n\n<figure class=\"wp-block-image\"><img decoding=\"async\" src=\"https:\/\/lh7-rt.googleusercontent.com\/docsz\/AD_4nXeB7Y3_UX17H0-E1VrZHl8MwFGbGVZG2RDDNqsZOevy9ry8Y-oPXaovJDoeGp_22iKdzXupfmUizze0Fr0W5nVv_Uq3hrcPYgl0PKcuSV9-ni32GxsAJxtxHVsY-bpW7QiZlIEDnA?key=vwAdpntwapwEBIK4Nu_mjw\" alt=\"An infographic showing the markets where affording a vacation home is easiest. New Orleans, Pensacola, Savannah, Galveston, and Orlando top the list\"\/><\/figure>\n\n\n\n<p>Other affordable coastal cities where you can buy a home on an income of $100,000 or less include <a href=\"https:\/\/www.zoocasa.com\/virginia-beach-va-real-estate\" target=\"_blank\" rel=\"noreferrer noopener\">Virginia Beach<\/a>, Ocean City, <a href=\"https:\/\/www.zoocasa.com\/st-petersburg-fl-real-estate\" target=\"_blank\" rel=\"noreferrer noopener\">St. Petersburg<\/a>, <a href=\"https:\/\/www.zoocasa.com\/sarasota-fl-real-estate\" target=\"_blank\" rel=\"noreferrer noopener\">Sarasota<\/a>, and <a href=\"https:\/\/www.zoocasa.com\/south-padre-island-tx-real-estate\" target=\"_blank\" rel=\"noreferrer noopener\">South Padre Island<\/a>.&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Read: <\/strong><a href=\"https:\/\/www.zoocasa.com\/blog\/disney-vacation-vs-homeownership-costs\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Skipping One Disney Vacation Could Put You Up to 20% Closer to Homeownership in These U.S. Cities<\/strong><\/a><\/li>\n<\/ul>\n\n\n\n<p>And while <a href=\"https:\/\/www.zoocasa.com\/orlando-fl-real-estate\" target=\"_blank\" rel=\"noreferrer noopener\">Orlando<\/a> doesn\u2019t offer direct beach access, several popular beaches are within an hour\u2019s drive. With a median home price of $390,000, it remains one of the few vacation hotspots where a home is still attainable on a $100K income. As one of the most visited cities in the U.S., thanks in part to its<a href=\"https:\/\/www.zoocasa.com\/blog\/disney-vacation-vs-homeownership-costs\/\" target=\"_blank\" rel=\"noreferrer noopener\"> world-famous amusement parks<\/a>, Orlando also offers strong rental potential, making it a smart choice for buyers looking to offset costs with passive income.<\/p>\n\n\n\n<figure class=\"wp-block-image\"><img decoding=\"async\" src=\"https:\/\/lh7-rt.googleusercontent.com\/docsz\/AD_4nXe81K8SD40FWbsfGyKECLkUZx6BNV_GcQ45GP42sN1dp3_cjK1R_yVXvH6sB8hDZ3uxWFVZxZsVPdHslJehW6CgZwxtr8QgMx7KZyjmRHr3vVroq6zSyUk20q9u48is6pka7cqf?key=vwAdpntwapwEBIK4Nu_mjw\" alt=\"An infographic showing the markets where affording a vacation home is hardest. Aspen, Santa Monica, Laguna Beach, Carmel-by-the-Sea, and Santa Barbara top the list\"\/><\/figure>\n\n\n\n<h1 class=\"wp-block-heading\">Want a Beach House in California? You\u2019ll Need Millions<\/h1>\n\n\n\n<p>When it comes to pricey vacation homes, California takes the lead. Four of the five most expensive cities are located along its coast, including <a href=\"https:\/\/www.zoocasa.com\/santa-monica-ca-real-estate\" target=\"_blank\" rel=\"noreferrer noopener\">Santa Monica<\/a>, Laguna Beach, Carmel-by-the-Sea, and <a href=\"https:\/\/www.zoocasa.com\/santa-barbara-ca-real-estate\" target=\"_blank\" rel=\"noreferrer noopener\">Santa Barbara<\/a>. Beach homes in these cities come with price tags exceeding $2.5 million and average monthly mortgage payments of over $13,000. At this point, it might just be better to leave oceanfront real estate to the <a href=\"https:\/\/www.zoocasa.com\/blog\/tv-character-home-affordability\/\" target=\"_blank\" rel=\"noreferrer noopener\">fictional residents who can afford it<\/a>.&nbsp;<\/p>\n\n\n\n<p>Surprisingly, though, the most expensive vacation market to buy a home in the U.S. isn\u2019t in the Golden State; it\u2019s in Colorado. With a median home price of $6.9 million, <a href=\"https:\/\/www.zoocasa.com\/aspen-co-real-estate\" target=\"_blank\" rel=\"noreferrer noopener\">Aspen<\/a> is the most expensive vacation spot to buy a home and requires an income of $1.4 million.&nbsp;<\/p>\n\n\n\n<p>Widely considered one of the top ski destinations in the world, Aspen&#8217;s homes are highly coveted for their proximity to world-class slopes. The most luxurious ski chalets boast panoramic mountain views, private trail access, and wellness amenities like indoor pools and saunas.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"750\" height=\"500\" src=\"https:\/\/www.zoocasa.com\/blog\/wp-content\/uploads\/2025\/07\/yFx8DaHXvOe4LrjRCOaTSyzLgwbUgaFnqBYFarHTewE-750x500.webp\" alt=\"\" class=\"wp-image-38223\" srcset=\"https:\/\/www.zoocasa.com\/blog\/wp-content\/uploads\/2025\/07\/yFx8DaHXvOe4LrjRCOaTSyzLgwbUgaFnqBYFarHTewE-750x500.webp 750w, https:\/\/www.zoocasa.com\/blog\/wp-content\/uploads\/2025\/07\/yFx8DaHXvOe4LrjRCOaTSyzLgwbUgaFnqBYFarHTewE-300x200.webp 300w, https:\/\/www.zoocasa.com\/blog\/wp-content\/uploads\/2025\/07\/yFx8DaHXvOe4LrjRCOaTSyzLgwbUgaFnqBYFarHTewE-768x512.webp 768w, https:\/\/www.zoocasa.com\/blog\/wp-content\/uploads\/2025\/07\/yFx8DaHXvOe4LrjRCOaTSyzLgwbUgaFnqBYFarHTewE.webp 1500w\" sizes=\"auto, (max-width: 750px) 100vw, 750px\" \/><figcaption class=\"wp-element-caption\">Listing courtesy of Christine Rueggeberg of Coldwell Banker Mason Morse-Aspen<\/figcaption><\/figure>\n\n\n\n<h1 class=\"wp-block-heading\">East Coast Vacation Homes Reign Supreme for Affordability&nbsp;<\/h1>\n\n\n\n<p>If you&#8217;re dreaming of a West Coast vacation home, your options under $1 million are limited. The most affordable is <a href=\"https:\/\/www.zoocasa.com\/south-lake-tahoe-ca-real-estate\" target=\"_blank\" rel=\"noreferrer noopener\">South Lake Tahoe<\/a>, where the median home price is $675,000. But just up the lake in <a href=\"https:\/\/www.zoocasa.com\/tahoe-city-ca-real-estate\" target=\"_blank\" rel=\"noreferrer noopener\">Tahoe City<\/a>, prices climb steeply, with a median of $1,980,000.<\/p>\n\n\n\n<p>Beyond that, only <a href=\"https:\/\/www.zoocasa.com\/napa-ca-real-estate\" target=\"_blank\" rel=\"noreferrer noopener\">Napa Valley<\/a> and Anaheim fall below the $1 million mark, though these are still on the higher end, at $905,000 and $960,000, respectively.&nbsp;<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"750\" height=\"500\" src=\"https:\/\/www.zoocasa.com\/blog\/wp-content\/uploads\/2025\/07\/DLFgWqazmZdO4ugFhO5AwH97BUsNfVXJdoYt2uBs7piXXahLUpnI3f47QvluFwUVO5C1HRYkUUYuX-750x500.webp\" alt=\"\" class=\"wp-image-38224\" srcset=\"https:\/\/www.zoocasa.com\/blog\/wp-content\/uploads\/2025\/07\/DLFgWqazmZdO4ugFhO5AwH97BUsNfVXJdoYt2uBs7piXXahLUpnI3f47QvluFwUVO5C1HRYkUUYuX-750x500.webp 750w, https:\/\/www.zoocasa.com\/blog\/wp-content\/uploads\/2025\/07\/DLFgWqazmZdO4ugFhO5AwH97BUsNfVXJdoYt2uBs7piXXahLUpnI3f47QvluFwUVO5C1HRYkUUYuX-300x200.webp 300w, https:\/\/www.zoocasa.com\/blog\/wp-content\/uploads\/2025\/07\/DLFgWqazmZdO4ugFhO5AwH97BUsNfVXJdoYt2uBs7piXXahLUpnI3f47QvluFwUVO5C1HRYkUUYuX-768x512.webp 768w, https:\/\/www.zoocasa.com\/blog\/wp-content\/uploads\/2025\/07\/DLFgWqazmZdO4ugFhO5AwH97BUsNfVXJdoYt2uBs7piXXahLUpnI3f47QvluFwUVO5C1HRYkUUYuX.webp 1500w\" sizes=\"auto, (max-width: 750px) 100vw, 750px\" \/><figcaption class=\"wp-element-caption\">Listing courtesy of Katherina Haug of Sierra Sotheby&#8217;s Int Realty TC<\/figcaption><\/figure>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Read: <\/strong><a href=\"https:\/\/www.zoocasa.com\/blog\/cheapest-homes-for-sale-in-florida\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>10 Cheapest Homes For Sale in Florida: Where to Find Budget-Friendly Options in the Sunshine State<\/strong><\/a><\/li>\n<\/ul>\n\n\n\n<p>The East Coast offers far more options for buyers with a budget under $1 million. In some coastal cities, the median home price is comparable to\u2014or even lower than\u2014inland alternatives. Take <a href=\"https:\/\/www.zoocasa.com\/cape-may-nj-real-estate\">Cape May, NJ<\/a>, for example, where the median home price is $615,000. In contrast, Bergen County, the most populous county in the state, has a much higher median of $850,000.<\/p>\n\n\n\n<p>Similarly, <a href=\"https:\/\/www.zoocasa.com\/myrtle-beach-sc-real-estate\" target=\"_blank\" rel=\"noreferrer noopener\">Myrtle Beach\u2019s<\/a> median home price of $547,500 is significantly lower than Charleston\u2019s $750,000. So while owning a home in a vacation destination might seem out of reach, it\u2019s not always inconceivable.<\/p>\n\n\n\n<p>That said, living in these coastal areas can come with elevated risks, like flooding and hurricanes, which may drive up your insurance premiums and property taxes. That\u2019s why it\u2019s important to work with an experienced real estate agent when purchasing a home in a vacation market. They can help you assess potential risks and guide you toward the best options for your budget.&nbsp;<\/p>\n\n\n\n<p>Whether you&#8217;re dreaming of beachfront views or ski-town charm, affording a vacation home might be more possible than you think. <a href=\"https:\/\/www.zoocasa.com\/search\" target=\"_blank\" rel=\"noreferrer noopener\">Start your search today with Zoocasa!<\/a><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Methodology and Sources<\/h3>\n\n\n\n<p>Median single-family home prices were sourced from the National Association of Realtors and local real estate boards, using the most recent available data.<\/p>\n\n\n\n<p>Average monthly mortgage payments were calculated based on a 20% down payment and a 30-year fixed mortgage rate of 6.72%.<\/p>\n\n\n\n<p>To estimate the income needed to purchase a home, we assumed buyers allocate 30% of their gross income to housing costs.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Have you ever landed in a new city and thought, &#8220;I could live here&#8221;? For most, it\u2019s a passing vacation daydream, but what if affording a vacation home was actually within reach? In some popular destinations, year-round sunshine and waterfront views might be more affordable than you\u2019d expect. Zoocasa analyzed median single-family home prices across [&hellip;]<\/p>\n","protected":false},"author":132,"featured_media":38225,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"jnews-multi-image_gallery":[],"jnews_single_post":{"format":"standard"},"jnews_primary_category":[],"footnotes":""},"categories":[58,1190],"tags":[],"class_list":["post-38220","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-affordability","category-united-states"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v21.0 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Can You Afford a Vacation Home? Income Needed in 40 U.S. Cities<\/title>\n<meta name=\"description\" content=\"Wondering if affording a vacation home is possible? Zoocasa breaks down prices and income needed to buy in 40 popular U.S. destinations.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.zoocasa.com\/blog\/affording-a-vacation-home\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Can You Afford a Vacation Home? Income Needed in 40 U.S. Cities\" \/>\n<meta property=\"og:description\" content=\"Wondering if affording a vacation home is possible? Zoocasa breaks down prices and income needed to buy in 40 popular U.S. destinations.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.zoocasa.com\/blog\/affording-a-vacation-home\/\" \/>\n<meta property=\"og:site_name\" content=\"Zoocasa Blog\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/Zoocasa\" \/>\n<meta property=\"article:published_time\" content=\"2025-07-16T10:00:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-07-23T13:27:18+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.zoocasa.com\/blog\/wp-content\/uploads\/2025\/07\/Myrtle-Beach-SC-1.png\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"630\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Mackenzie Scibetta\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:image\" content=\"https:\/\/www.zoocasa.com\/blog\/wp-content\/uploads\/2025\/07\/Myrtle-Beach-SC-1.png\" \/>\n<meta name=\"twitter:creator\" content=\"@Zoocasa\" \/>\n<meta name=\"twitter:site\" content=\"@Zoocasa\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Mackenzie Scibetta\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"5 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.zoocasa.com\/blog\/affording-a-vacation-home\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.zoocasa.com\/blog\/affording-a-vacation-home\/\"},\"author\":{\"name\":\"Mackenzie Scibetta\",\"@id\":\"https:\/\/www.zoocasa.com\/blog\/#\/schema\/person\/f94c43a0733031723a673cfb21916c34\"},\"headline\":\"Can You Afford to Live Where You Vacation? 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