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Based on that research, these are the 10 mostaffordable beach towns for retirees.

Youll find plenty of kayaking, fishing and boating in Perdido Bay, along with a small-town atmosphere.

For one thing, North Carolina does not taxSocial Security benefits.

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For another, all other retirement income is taxed at a modest 4.75%.

Residents have access to the Minnesott Golf & Country Club as well as a sailing school and hospital.

The town is located on the Neuse River, about half an hours drive from New Bern.

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Venice, Florida

Venice is a Gulf Coast town located near Sarasota.

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