St Andrews and Dunbar follow closely, with average house prices of £421,528 and £284,121, respectively. The least expensive coastal town in Scotland is Greenock, where the average house price is £97,608.

The average cost of a seaside home in Scotland was £182,488 in 2022, representing a 31% increase from 2012.

Cockenzie experienced the highest price increase over the past decade, with an 80% rise in average prices from £133,229 to £239,345. In 2022, Campbeltown saw the largest year-on-year growth in house prices, with a 42% increase from £91,201 in 2021 to £129,348.

Graham Blair, mortgages director, Bank of Scotland, said: “It’s undeniable that much of Scotland’s coastline is truly breathtaking, and it’s easy to see why the pretty seaside town of North Berwick is still Scotland’s most expensive seaside location for house hunters, with properties costing over £440,000 on average.

“St Andrews – well known for its world-famous university and golf courses – isn’t far behind, with properties in the area fetching a similar price tag.

“However, many of Scotland’s coastal towns have average house prices that are much lower. Homes in Greenock for example cost less than £100,000 on average.

“While many things can influence the price of a home, socio-economic factors are perhaps playing a greater role in some coastal locations. While there are doubtless many property hot spots, a sea view isn’t necessarily supporting house prices in Scottish towns most in need of investment.”