Spending your days with your toes in the sand may sound like the perfect retirement.

However, there's a lot more to take into consideration when it comes to finding the ideal location.

U.S. News & World Report recently analyzed the nation's 100 largest metropolitan areas and came up with a list of the best beach towns in which to spend your retirement.

"While some people dream of retirement in a remote beach town, older retirees often need access to services, such as medical care or transportation," said Emily Brandon, senior retirement editor at U.S. News & World Report. "Many retirees also need to work at least part-time in retirement to supplement their retirement income."

The publication also considered factors such as housing affordability, happiness and taxes when compiling the list.

Here are the best coastal towns for retirement, along with housing costs, according to U.S. News & World Report.