i just retired and need a place to live where I can sail and cruise in my 28 foot O’day. I live near wash DC. I sail in the Chesapeake now and had eyed Mobile Bay, or Clearwater and thinking maybe New Bern NC. I want warm climates and expansive sailing space but not the ocean. Is the NC ICW too limited in protected but wide sailing as I suspect?
"A place to live where I can sail..." So, where to live is the priority question, I suppose. Where can one afford to live relatively near the water in retirement? Here in California most folks it seems sell their boats, get out of boating, and move inland (desert, San Joaquin Valley), or to inland states such as Colorado, Idaho, Nevada, etc. Start with that. How far do you want to be from the boat? One must "live" everyday but most people sail, if lucky, maybe 30 d/yr. And I doubt you'd be able to even keep that up for long if not close to the water. Oh, the wistful visions of a pending retirement.
Oh, and it has to be warm with no ocean. That knocks it down to the SE United States or areas near mountain lakes (limited cruising) where it is normally warm to live, where the lakes do not freeze, and where a 28-ft sailboat boat can be maintained. I'd probably go with the Ft. Myers, FL suggestion. Can't really call the GOM "the ocean" most of the time, at least not near shore. But then, if you did want to go out into "the ocean", you could sail to the Keys or to Dry Tortugas from Ft. Myers. After that, if you can supply more $$, the St. Pete Beach areas of west-central Florida are good, perhaps Gulf Port, FL which may be a bit less expensive than St. Pete Beach. You can transit via the ICW all through there, but to cruise much you'd have to go into the GOM for certain legs. Have to beware that golfing doesn't supplant your sailing plans, however, in those areas.
But the most vast sailing venue in the US that's not in the ocean, has year round access (even if you don't wish to be out there in mid-summer's heat and humidity), is almost never "cold" (i.e., to 45 deg or lower), with many potential destinations and lots of communities to stage from, is on Tampa Bay itself, especially mid to lower Tampa Bay. However, take a look at Apollo Beach, FL, which is more in the upper Bay. I do have to tell you that I lived on TB for 11 years and sailed extensively there. I, personally, would not pick it as my retirement sailing venue, however.
Far more interesting places are to be found, especially in or near western Canada (British Columbia)---but, you'd have to accept "the conditions" and the cost of housing, etc. Capta's recommendation of SFB is an excellent one as well for sailing--especially if you could live in Sausilito; but $$$$$$

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