Gazing out onto calm waters, eyeing birds in flight, walking around a serene shoreline, gliding along in a kayak — that could be you.

Many folks want to live on the water, but beachfront property can be prohibitively expensive, especially if it’s on the Atlantic, Pacific or the Gulf. But thankfully there are countless lakes to choose from across the U.S.; it’s just a matter of finding one.

Lucky for you, we have compiled a short list to get you started on your journey to the water. Depending on your price range and requirements for a lakeside retirement, there are many options available. So, dip your toes in and see what’s out there!

Lake Ozark, Missouri

Located at the northern part of the Ozark Mountains, this town of about 2,000 provides quick access to the Lake of the Ozarks and its myriad opportunities, including boating, fishing, golfing, shopping and more. The cost of living in Lake Ozark is less than the national average.

Gainesville, Georgia

You and the grandkids will be able to explore Lake Lanier’s 76 recreational areas — 40 of which are run by the U.S. Army Corps of Engineers — or launch a boat from one of the 10 marinas to check out Lake Lanier Islands.

The four-season climate rarely gets too cold nor too hot, although you’ll have to get used to the humidity common to the Southern U.S., and the cost of living is below the national average.

Coeur…