Life in Santa Margherita centers on its palm-fringed waterfront, a pleasant string of marinas, docks for pleasure and fishing boats, and pebbly beaches, in some spots with imported sand of passable quality. Landlubbers congregate in the cafes that spill out into the town's two seaside squares, Piazza Martiri della Liberta and Piazza Vittorio Veneto.
The train station is on a hill above the waterfront, and a staircase in front of the entrance will lead you down into the heart of town. Santa Margherita's one landmark of note is its namesake Basilica di Santa Margherita, just off the seafront on Piazza Caprera. The church is open daily from 8am to noon and 3 to 7pm and is well worth a visit to view the extravagant, gilded, chandeliered interior.