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No. 34 - Melbourne Beach, Fla.

Zip: 32951
Cost of living index: 138.2
Sunny days: 235
2010 housing forecast: -6%

Melbourne Beach, a coastal town 90 minutes southeast of Orlando, where locals don't have to compete with tourists for space on the relatively quiet beaches. Attractions include the McLarty Treasure Museum (at the Sebastian Inlet State Park), once the location of a camp set up by survivors of a hurricane in 1715 that sank a fleet of Spanish ships.

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