The 10 most expensive beach towns in the US - where you have to be a millionaire to buy a home

Shutterstock/Lucky-photographerIf you want to live in these towns, better start saving up.Beach season is upon us. If you're in the market for an affordable summer home within spitting distance of the ocean spray, there are some under-the-radar places across the US where you can nab a beach house for less than $250,000.

In other places, you'd better be a millionaire or billionaire if you want to get a showing.

In ritzy summer vacation spots like the Hamptons, Malibu, or Nantucket, for instance, the median price for property currently exceeds $3 million, according to a report from Realtor.com.

Realtor.com dug through its database to find the most expensive beachfront locales in America. It limited its scope to beach cities with populations between 1,000 to 100,000 and that had at least 30 properties on the market. And to ensure some geographic diversity, Realtor.com capped its list to two towns per state separated by at least 30 miles.

In Malibu, the most expensive beach town in the US, one neighborhood along the surf has earned the moniker "Billionaire's Beach." Music mogul David Geffen reportedly sold his home there last year for $85 million.

Read on for the rest of the 10 most expensive beach towns to buy a home - each of which has a median home price over $1.4 million.