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Yes I am finding that living next to salt water may be out of reach for our budget in retirement in a warmer climate.
We may well stay here in the Prescott area.
I'll throw in Branson, MO, although it is a little touristy. Close to lakes, Springfield, MO about 40 minutes north. Lots of shopping and outdoor stuff, College of the Ozarks near Branson, Missouri State University, Drury University, Evangel College and more in Springfield.
I just did some checking on Warsaw. Lot's of water and fishing there, that's for sure.
It also appears that other than the humidity of summer that the WX range and averages is just about like where we live now in AZ.
I may have to make a trip back there to check it out.
Three states come to mind here, almost all of Michigan, Wisconsin and Minnesota is made up of small towns close to a lake. In those 3 states you cannot throw a rock without hearing it go Pluuunk!!. Lots of water out there in the upper midwest.
Surprised you haven't considered the Adirondack area in upstate. The area is absolutely beautiful with many lakes. Recently was in Ticonderoga area, Schroon Lake and Eagle Lake. Both so pretty and sparsely populated.
Wilmot NH! Lots of lake nearby, great schools, dartmouth college, colby sawyer college, lots of festivals and outdoor activities, no income tax, close to concord culture but far enough away to enjoy the outdoors & fresh air. What kind of work do you do??
Black Hills in SD. Lots of festivals, several excellent lakes, 4 seasons, great stream kayaking, especially in the in the spring, tons of outdoor camping, trail systems, much milder temps than MN and not much for bugs and mosquitoes. Rapid City +- 70,000 with a bunch of smaller communities nearby with 1500-10,000 people. It is a touristy area due to Mt. Rushmore and gambling in Deadwood, and a ton of cool other stuff in between, but anywhere with scenery that compares to this area is going to have tourism I would think. South Dakota isn't a mecca for jobs right now, but nationally is fairing better than most, and cost of living is reasonable IMO. Rich history plenty of museums a couple of colleges in Rapid City and one in Spearfish.
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Upstate NY
