People live in private homes and condominiums in many different neighborhoods - either in Old Town in quiet neighborhoods, or along the ocean. The Truman Annex looks out over the water and the cruise ship terminal. This luxurious gated community, the former U.S. Naval Base, has many homes and condos. The “Truman White House” is in this complex, where Harry S. used to vacation. Yet some retirees of limitied means spend time here in the winter using creative strategies - staying in RV parks (the military has 2 subsidized ones), timeshares, or staying up island.
Real estate is quite expensive, having recovered from the recent recession. Legions of dilapidated hulks in Old Town lhave been restored into island masterpieces, complete with old fashioned hurricane shutters and wide porches. There are many homes for sale in the millions of $'s. The median home value was $652,000 in early 2019, according to Zillow.