Let me be straight with you.
I've watched people fall in love with beach houses, close on them, and then get completely blindsided by the real cost of owning one.
The mortgage? That's the easy part.
It's the insurance bill that stops people cold.
On a $500,000 coastal home, you could be paying $9,000 to $24,000 a year — just for coverage. Before taxes. Before HOA. Before a single repair.
And if you're choosing between Texas and Florida? The numbers are wildly different in ways most buyers never see coming.
That's why I built this guide.
median prices, days on market, appreciation trends, and inventory levels for both coasts.
homeowners, flood, AND windstorm — three separate policies, real dollar amounts.
who pays more? (the answer will surprise you)
for a primary home, second home, AND vacation rental at $500K
10 categories, honest scores, clear verdict
what hosts actually earn, occupancy rates, and peak season breakdown.
the ones nobody mentions at the closing table

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