Aside from about 3-4 weeks a year, I am comfortable.

We are nearly at the same latitude, with a similar proximity to water. We find that there are at least a few days in June which are hot & humid enough to warrant A/C. Then, for the majority of July and August, we are either running the A/C from afternoon until bedtime, or all day (alternating high/low settings). And then September is about half-time for A/C. Many days only get into the low 80s, but the humidity is high. And on the hot days, the overnight lows stay in the 70s. Sitting or sleeping in a house that's 80 and humid might be bearable, but not comfortable.
This was how I lived for about 15 years in my current house. We inherited an old AC from someone about 10 years ago and used it for 3-4 weeks a year. Then we bought an energy efficient one and run it in our living room with a cheap old ripped sheet hanging in the doorway to keep the cold in the room (the rest of the house is still hot as hell).
Having said what I said above, I've spent most of the past 30 years in a situation where it wasn't possible - or practical - to keep a house cool. In 1988, I moved into an old ranch, where I eventually installed a very marginal central A/C (running through the heat vents in the floor). And then in '99, we moved into an old, sprawling cape, where A/C was on a room-by-room basis, and mostly futile. So I understand that it's not always possible to use A/C in a house, and you just make due with fans.
Way different here, we run the air conditioning from April through October.
I grew up in NJ, where most people have central A/C; because the nights are humid from May through September.