10 of the cheapest U.S. beach towns to buy a home

  • Photo courtesy of Zillow

    You don't have to spend half a million dollars on a beach house -- if you know where to look.

    Typically, waterfront homes are worth twice as much as their landlocked counterparts. In California and New York's Long Island Sound, that means many millions. But in parts of Florida, which boasts some of the more affordable waterfront property in the nation, that could mean less than $150,000.

    Of course, it may not stay that way for long. The saying among real estate agents, "They don't make waterfront property anymore," is no joke. Thanks to limited available waterfront property and escalating insurance costs, there's simply less available, affordable property to go around.

    So if winter is making you dream of ocean views and tropical temperatures, check out these 10 towns around the U.S. where the median home sale prices is under $250,000, or even less.

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    Ilyce R. Glink is an award-winning, nationally-syndicated columnist, best-selling book author and founder of Best Money Moves, an employee benefit program that helps reduce financial stress. She also owns ThinkGlink.com, where readers can find real estate and personal finance resources.