NEW YORK — You don't have to be rich to plan a beach vacation. Travel + Leisure's March issue profiles 27 affordable beach resorts, each one charging less than $250 a night, from the Puako Bed & Breakfast on Hawaii's Big Island ($98 a night) to the Hotel della Baia in Italy on the volcanic island of Ischia, known for hot springs and therapeutic mud ($183 a night).

Elsewhere in Europe, in France, near the walled town of Concarneau in Brittany, a room can be had at the new Les Sables Blanc inn for $191. Just don't expect tropical temperatures — Brittany is on the northwest Atlantic Coast of France. Hotel Codina in San Sebastian, Spain, near the half-moon cove of Ondaretta Beach, is $221 a night.

On St. Martin in the Caribbean, the Sol e Luna Inn on the French half of the island, is $125 a night, while on St. Thomas, the Bellavista Bed & Breakfast is $175 a night.

Closer to home, in Florida, Azul del Mar, in Key Largo, is a six-room Art Deco villa with private beach for $189 a night. The Breakwater Inn & Spa in Kennebunkport, Maine, has 34 rooms on a pebbly beach lined with Adirondack chairs, $159 per night.

The Evans Pelican Inn on Pawleys Island, S.C., at $250 a night, is just south of Myrtle Beach, in an informal antebellum beach house. The Southern-style breakfast includes biscuits, grits, and crab salad.

The Sea View Inn in Carmel, Calif., at $135 a night, offers a fireside breakfast, tea in the garden and a beach on the Monterey Peninsula.

Tiny Holbox Island, Mexico, off the Yucatan Peninsula, is home to the 16-room CasaSandra Hotel, $190 a night, where the water is 50 steps from the door and you can fish for your dinner in the company of the chef who'll prepare it for you. Another recommendation for Mexico: Todo Santos Inn, in a beach town 90 minutes north of Los Cabos on a 19th century sugar baron's estate, $125 a night.

In Puerto Rico, Tres Sirenas Beach Inn is $170 a night in Rincon, including elaborate breakfasts. You can rent the whole villa, which sleeps 10, for $840 a night.

In Costa Rica, the Bahari Beach Bungalows are just $95 a night on the Pacific coast. The accommodations are four oversize safari tents — with mesh walls, tiled floors, bathrooms and a thatched-roof, open-air dining room.

For the complete list, visit www.travelandleisure.com/articles/27-affordable-beach-resorts.