Dreaming of a retirement with salt air and sandy shores doesn't have to mean draining your savings. A recent analysis looked at median rent prices across Florida's coastal communities to identify beach towns where a modest fixed income can still go a long way.

The research turned up eight Florida beach towns where retirees can realistically cover housing costs at or under $1,700 per month — a benchmark that puts seaside living within reach for many people on Social Security or a modest pension.

For retirees weighing their options, the findings offer a useful starting point for comparing coastal communities across the state, from smaller Gulf-side towns to lesser-known Atlantic coast spots that tend to fly under the radar.

If you've been putting off a beach retirement because of cost concerns, this kind of data suggests there may be more options available than you'd expect — and that Florida's coastline isn't exclusively the domain of high-end retirees.

This research was conducted and published by FinanceBuzz.