If you’re like many Americans, watching majestic sunsets or sunrises, hearing the soothing sound of the ocean and feeling the sand between your toes are all peak experiences. So, why not live by the ocean? The primary problem is simple: Beachfront property is often too expensive.

Or is it? It turns out, America is actually full of cities that can make your dream of living near water come true, at least to some degree – it just may be a river or lake instead of the Pacific or Atlantic.

To narrow down the list, GOBankingRates looked at 112 of the top ocean and lakefront cities in the U.S. based on median listing price, state income and overall affordability, using a variety of metrics. Cities with the highest percentage of leftover income ranked at the top of the survey.

While you won’t find celebrity enclaves like Malibu on the list, you will find a wide range of waterfront cities that still remain affordable.

1. Jamestown, New York

2. Atlantic City, New Jersey

3. Rochester, New York

4. Oswego, New York

5. Erie, Pennsylvania

6. Brainerd, Minnesota

7. New London, Connecticut

8. Hampton, Virginia

9. Buffalo, New York

10. Devils Lake, North Dakota

11. Duluth, Minnesota

12. Toledo, Ohio

13. Aberdeen, Washington

14. Cleveland

15. Alexandria, Minnesota

16. Clearlake, California

17. Ocean City, Maryland

18. Storm Lake, Iowa

19. Brownsville, Texas

20. Port Angeles, Washington

21. Versailles, Missouri

22. Laconia, New Hampshire

23. Baraboo, Wisconsin

24. Coos Bay, Oregon

25. Eureka, California

Methodology: GOBankingRates found 25 affordable waterfront cities by evaluating 112 of the United States’ top ocean and lakefront cities along the following criteria:

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