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However, these cities are becoming more expensive every year.

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Heres where real estate experts say homes on the water are getting quite expensive.

In contrast, here are top cities where waterfront properties are a steal.

San Jose, CA

Shopping for a home in Silicon Valley is incredibly pricey.

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Million dollar homes are everywhere buyers look and theres no sign of prices going down in San Jose.

As far as waterfront cities go, San Francisco will become even more unaffordable over thenext few years.

The median price-to-income ratio in San Francisco is 9.7, he said.

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Many consider a ratio of 9 or higher to signal extreme unaffordability.

Many homes in San Diego that are on the water go for tens of millions of dollars.

Honolulu

Living in one of the countrys premiere island vacation spots is going to costsome serious cash.

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When it comes to waterfront cities, Honolulu cant be beat.

Im sure many Americans want to retire in Honolulu, he added.

That number is now around 20% with Honolulu being one of the toughest housing markets.

Bostons average home price has gone up 4% in the last year.

If anything, they are likely to increase.

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