For as long as I can remember, the ocean has been my escape. There’s something about snorkeling in crystal-clear waters, watching the vibrant marine life move effortlessly beneath the surface, that brings a sense of peace and perspective. It’s a reminder that life is meant to be enjoyed, to be explored, and to be lived on your own terms.

As someone who has spent years helping people plan for retirement, I know that many share this dream of settling down somewhere warm, somewhere by the water, where they can wake up each day to the sound of waves and a view of the endless horizon. But for those of us who love snorkeling, retirement by the coast isn’t just about beautiful scenery—it’s about easy access to some of the world’s best underwater experiences.

Finding the perfect coastal retirement destination means balancing lifestyle, affordability, and, of course, proximity to great snorkeling spots. After years of research (and plenty of personal exploration), I’ve narrowed down some of the best places where retirees can enjoy financial security, a relaxed pace of life, and world-class snorkeling right in their backyard.

Key Largo, Florida – The Diving Capital of the World

When it comes to snorkeling and retirement, Key Largo is hard to beat. It’s home to the John Pennekamp Coral Reef State Park, the first underwater park in the U.S., where retirees can explore vibrant coral reefs, shipwrecks, and an abundance of marine life without ever needing to travel far. The Florida Keys, in general, offer a laid-back lifestyle, plenty of outdoor activities, and no state income tax, which is a major financial perk for retirees.

Living in Key Largo means warm weather year-round, easy access to medical facilities, and a strong community of water lovers. While Florida’s cost of living has been on the rise, there are still affordable housing options compared to some other coastal states. For anyone who wants to spend their golden years with a mask and snorkel in hand, this is a top choice.

Maui, Hawaii – A Snorkeler’s Paradise

Hawaii is a dream destination for many retirees, and for those who love snorkeling, Maui stands out as one of the best places to settle down. Places like Molokini Crater, Honolua Bay, and Ahihi-Kinau Reserve offer some of the clearest waters and most diverse marine ecosystems in the world. The island’s strong sense of community, slower pace of life, and excellent healthcare options make it an attractive retirement spot.

The downside? The cost of living in Hawaii is higher than in most parts of the U.S., particularly when it comes to housing and groceries. However, many retirees find that the trade-off is worth it, especially if they prioritize outdoor living, fresh air, and access to some of the most breathtaking snorkeling locations on the planet.

Ambergris Caye, Belize – Affordable Tropical Living

For those looking for an international retirement destination, Belize—and specifically Ambergris Caye—offers an unbeatable combination of affordability and natural beauty. The island is just a short flight from the U.S., making travel to and from home easy, and Belize uses English as its official language, which makes adjusting to life there a breeze.

Ambergris Caye is right next to the Belize Barrier Reef, the second-largest in the world. The marine biodiversity here is incredible, with everything from nurse sharks to sea turtles swimming in its waters. The cost of living in Belize is significantly lower than in the U.S., and retirees can take advantage of Belize’s Qualified Retired Persons (QRP) program, which offers tax incentives for expatriates.

Playa del Carmen, Mexico – Snorkeling and Culture Combined

Mexico has long been a favorite retirement destination due to its affordability, vibrant culture, and close proximity to the U.S. For snorkeling enthusiasts, Playa del Carmen is a standout option. Located along the Riviera Maya, it offers easy access to incredible snorkeling spots like Cozumel, Akumal (famous for its sea turtles), and the mesmerizing cenotes, which provide a unique freshwater snorkeling experience.

The cost of living in Playa del Carmen is reasonable, with affordable housing, great healthcare options, and an active expat community. The combination of warm weather, beautiful beaches, and a rich cultural scene makes it a great place to spend retirement.

Nassau, Bahamas – Island Living Close to Home

The Bahamas offer some of the clearest waters in the world, making it a dream location for snorkelers. Nassau, the capital city, provides a mix of modern amenities, tax advantages (no income tax!), and stunning snorkeling locations just minutes from shore. Blue Hole, Clifton Heritage Park, and Paradise Island’s reefs are all easily accessible, offering incredible marine life encounters.

While the cost of living in Nassau is higher than in some Caribbean destinations, the island’s infrastructure, healthcare facilities, and frequent flights to the U.S. make it a convenient option for retirees who want island life without being too far from home.

Planning for Retirement by the Water

Choosing a coastal retirement destination is about more than just great snorkeling. It’s important to consider healthcare access, affordability, safety, and overall quality of life. While the idea of retiring to a tropical island is exciting, proper financial planning is key to making sure you can enjoy that lifestyle comfortably and sustainably.

One of the biggest concerns retirees face is ensuring their savings last. Living in a beautiful place doesn’t mean much if financial stress overshadows the experience. That’s why I always recommend a thorough retirement income strategy—one that takes into account the cost of living in your chosen destination, potential healthcare needs, and any tax implications of living abroad.

Retiring by the water is a dream that can absolutely become a reality with the right planning. Whether it’s the coral reefs of Florida, the breathtaking coast of Hawaii, or the warm Caribbean waters of Belize, there are plenty of incredible places to call home. The key is finding a location that fits not just your love for the ocean, but also your financial goals and long-term needs.

As I continue to explore new snorkeling spots and dream about where my own retirement years might take me, one thing remains certain—there’s no better way to spend this chapter of life than by the water, mask and fins at the ready, exploring the beauty beneath the surface.