Want to retire near the water, but without paying premium prices for a home? Residents who buy real estate in these towns see their incomes go the furthest.

Median home price (2007): $124,900
Median family income: $65,744

If the thought of freezing winters gives you the chills, head for North Augusta, where winter temperatures hover at a relatively balmy 40°F, and summers are warm but not scorching. Residents stay healthy by jogging along the Savannah River. Horse-lovers can take in barrel racing and other equestrian competitions at the Hippodrome event complex.
Spacious three-bedroom homes along the riverfront cost around $450,000; comparable condos cost about $295,000. Many developments feature shared boat docks, though some homes have their own. For a weekend outing, drive half an hour to Strom Thurmond Lake for camping, hunting, fishing, and picnicking.