Priced out of the prospect of a home by the sea? You may not be swimming against the tide at these much cheaper coastal areas, according to a Halifax survey.

According to a recent survey from Halifax, average house prices in Britain’s coastal towns have soared from £181,060 to £226,916 over the last decade.

In its list of the 10 most expensive UK coastal spots prestigious Sandbanks in Dorset, where average property values stand at a bracing £664,051, came top.  

Devon's Bigbury-on-Sea, where homes sell for an average £372,105, was 10th.

But is it still possible to buy a home by the sea without capsizing your bank account?

Luckily, Halifax also published a list of the least expensive seaside towns, nine of which are in Scotland. We dived in to hook some homes for sale on Zoopla at some of these cheapest seaside locations. Here's what we found.

1. Two-bedroom flat at Port Bannatyne, Isle of Bute, Scotland, for £100,000

Located on the seafront, in the heart of the quiet coastal village of Port Bannatyne, this flat comes with unrestricted sea views overlooking the nearby marina.

Port Bannatyne tops Halifax's 10 least expensive seaside towns list with an average house price of £71,550.

Available via Bute Property

2. Four-bedroom end terrace house in Girvan, South Ayrshire in Scotland, for £179,000

Panoramic views of the stunning Ayrshire Coast are on offer at this sandstone villa (pictured above), which has a slate roof and bay windows. The harbour in Girvan attracts many a visitor, while mooring facilities are available for yachts sailing into the area.

With its average house price of £85,082, Girvan is the fourth least expensive seaside town.

Available via Bruach Property

3. One-bedroom flat, Millport, Isle of Cumbrae, Scotland, for £39,950 

Could this seafront apartment be your new holiday home? The first floor flat in Millport town centre has excellent sea and town views from its living room, kitchen and double bedroom. And all at under £40,000.

Halifax places Millport fifth on its cheapest seaside town list, as the average house price is £86,392.

Available via Robert F Duff & Co

4. Three-bedroom flat, Rothesay, Isle of Bute in Scotland, for £108,000 

Occupying the entire ground floor of a substantial stone villa, this three-bedroom apartment (pictured above) benefits from partial sea and hill views, according to the selling agent.

With its average house price of £90,284 Rothesay – a town on the east side of Isle of Bute and brimming with Victorian heritage – is the UK’s seventh cheapest seaside town.

Available via Bute Property

5. Three-bedroom terraced home in Newbiggin-by-the-Sea, Northumberland, for £77,500

This family home has two reception rooms, gas central heating, double glazing and a bay window in the 19ft-long lounge. Placed second on Halifax's least expensive seaside towns list, average house prices in Newbiggin-by-the-Sea stand at £75,779

Available via Rook Matthews Sayer

6. Four-bedroom end terrace house in Wick, Caithness in Scotland, for £130,000

This property enjoys lovely views over Wick Harbour and further out to sea from the top floor, according to the selling agent. A former Viking settlement and the busiest herring port in Europe in the mid-19th century, Wick is the ninth least expensive seaside towns in the UK.

Available via Georgesons

  • Campbeltown, Saltcoats, Irvine and Ardrossan were the other Scottish areas to feature in Halifax's least expensive coastal towns.

Are we missing any other affordable seaside locations? Tell us by posting a comment below...

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