Dreaming of life by the sea without the eye-watering price tag? Good news — you don’t have to compromise on charm or location to enjoy affordable seaside living in the UK. Beyond the big-name resort towns, there are plenty of lesser-known coastal gems offering not only scenic views and relaxed lifestyles but also some of the lowest council tax rates in the country.
If you’re planning a relocation, downsize, or investment, it’s worth considering the council tax band as part of your budgeting strategy — especially in a cost-of-living-conscious world.
Let’s dive into the UK’s budget-friendly beach towns and see how they stack up.
Why Council Tax Matters When Moving to the Coast
Whether you’re a homeowner, landlord, or tenant, council tax can significantly impact your monthly outgoings. Rates vary by local authority, and while property size and banding are key factors, so too is the local council’s own rate-setting.
Choosing a coastal town with lower council tax could save you hundreds of pounds per year — leaving more room in your budget for sea-view brunches, paddleboarding sessions, or simply a cushion for rising utility costs.
Top Coastal Towns With Low Council Tax in 2025
Here are some of the most affordable seaside areas in terms of council tax, based on the latest data from local authorities:
1. Hartlepool, County Durham
Located on the northeast coast, Hartlepool combines historic docks, a growing marina scene, and some of the lowest Band D council tax rates in England. Its affordability has made it increasingly attractive to first-time buyers and retirees alike.
2. Blackpool, Lancashire
Often associated with holidaymakers and family-friendly attractions, Blackpool also boasts council tax rates well below the national average. It’s a good option for those seeking lively coastal living on a tight budget.
3. Weymouth, Dorset
A surprise addition to this list, Weymouth offers the beauty of the Jurassic Coast with a relatively moderate council tax banding, especially compared to neighbouring coastal hotspots like Poole or Bournemouth.
4. Port Talbot, South Wales
In Wales, some councils charge much lower taxes than their English counterparts. Port Talbot is a prime example — a working coastal town undergoing regeneration with a very accessible cost of living.
5. Scarborough, North Yorkshire
With its historic harbour and sandy bays, Scarborough offers traditional seaside charm. Council tax bands here are generally on the lower end, especially in outlying areas.
Budgeting for a Seaside Move: Tips From the Experts
Affordable council tax is just one part of the puzzle. When relocating to a coastal town, consider the following:
- Public transport and commuting options
- Flood risk and insurance costs
- Access to healthcare and local amenities
- Internet speeds and mobile coverage (especially if you work remotely)
- Seasonal fluctuations in tourism and traffic
Not Ready to Move Coastside Just Yet?
If you’re based inland but still want value-for-money property options, places like Biggleswade in Bedfordshire offer a great lifestyle balance. It’s close enough to London for commuting, yet far more affordable than the capital or coastal alternatives.
For local support, the estate agents in Biggleswade at Belvoir can help you explore properties that align with your budget and lifestyle goals — whether you’re dreaming of a coastal cottage or a countryside retreat.