27 U.S. Cities Where Retirees Are Living Well on a Budget

People often have different retirement goals. However, a shared goal that most people have is to continue living a comfortable life even during retirement. The lack of a stable income during retirement can make it difficult for many retirees to live a comfortable life. Rising living costs nationwide have made it more difficult for retirees to enjoy a comfortable lifestyle. Yet, some cities remain affordable and offer a high quality of life, making them ideal for retirement. Here are 27 U.S. cities where retirees are living well on a budget:

Asheville, North Carolina

The blend of a vibrant arts scene, mild climate, and access to top-rate healthcare in Asheville have created an ideal spot for retirement. While the cost of living can be slightly high, retirees in the city have access to affordable living options and a high quality of life. Those looking to maintain an active lifestyle will thrive in the outdoor activities, which range from hiking to strolling along local parks. The city has a strong retiree community as well. Average monthly cost of living: $5,000

Sarasota, Florida

Located along the Gulf Coast, Sarasota has stunning beaches, a lively arts scene, and warm weather throughout the year. Retirees in the city benefit from the lack of state income tax, affordable housing options, and reasonable living costs. The city is also home to various retirement communities where retirees thrive in a laidback atmosphere, numerous gold courses, and options for different cultural events. Average monthly cost of living: $4,200

Lancaster, Pennsylvania

Lancaster offers its residents a low cost of living, scenic countryside, and a welcoming community, which makes it ideal for retirement. The city boasts a strong healthcare system and an abundance of farmers’ markets, offering retirees facilities and amenities that enable them to remain healthy. The small-town charm and peaceful atmosphere in Lancaster and the various cultural amenities enhance the quality of life, attracting many retirees from around the country. Average monthly cost of living: $3,400

San Antonio, Texas

The affordability, a rich history and culture, and warm weather have made San Antonio a great retirement destination. Retirees who want to stretch out their savings will thrive in this city, with its lack of state income tax, lower-than-average cost of living, and affordable and excellent healthcare options. Retiring in San Antonio also enables retirees to take part in different outdoor activities, explore the numerous attractions in the city, and enjoy the mix of urban amenities and quiet neighborhoods to have a high quality of life, while living off a budget. Average monthly cost of living: $3,500

Boise, Idaho

Boise offers retirees affordable living costs, low crime rates, and a high quality of life. The strong healthcare system and laid-back community make it easy for retirees to live comfortably. Boise boasts a growing arts and culture scene and provides many opportunities for outdoor recreation like hiking, biking, or even skiing, enabling retirees to develop an active and fulfilling retirement. Average monthly cost of living: $3,700

Charleston, South Carolina

The historic charm and beautiful coastal views that Charleston offers residents have created an appealing environment to call home. Many retirees are attracted to the city’s charm, mild winters, and reasonable living costs. Retirees also receive various kinds of tax breaks, enabling them to lower their spending further. Living in Charleston also gives retirees easy access to healthcare facilities, cultural events, and beaches, creating a relaxed pace to live a comfortable life. Average monthly cost of living: $5,300

Portland, Oregon

Portland is a retiree-friendly city with affordable living options, no state sales tax, and top-tier healthcare facilities. Retirees in the city can live off a budget while enjoying the city’s vibrant art scene and outdoor-friendly lifestyle. These individuals have access to numerous parks, coffee shops, and farmers’ markets, which can create an enriching life. The convenient public transport system in the city reduces their need for driving, and the mild climate and access to nature create an appealing lifestyle for budget-conscious retirees. Average monthly cost of living: $5,600

Madison, Wisconsin

Madison offers residents a low cost of living, excellent healthcare, and a lively cultural scene that attracts many retirees. The retirees in the city benefit from affordable living, the city’s walkability, and access to plenty of outdoor recreation options. These individuals can participate in community events or actively explore the city’s cultural amenities and natural landscapes. Average monthly cost of living: $4,100

Albuquerque, New Mexico

Many retirees are drawn to the lifestyle and affordability that Albuquerque offers. The combination of a low cost of living, warm climate, and stunning landscapes have made it an ideal retirement spot. The city provides quality healthcare and a blend of Southwestern cuisine, art, and history, creating a culturally rich atmosphere. Retirees looking to maintain an active lifestyle can explore the city’s outdoor activities, whether hiking or hot air ballooning. Average monthly cost of living: $3,300

Tampa, Florida

Retirees who want to enjoy Florida’s lifestyle and climate can consider retiring in the more affordable city of Tampa. The city boasts numerous community and recreational options, offers retirees a range of tax advantages, and has extensive healthcare options, which make it an attractive choice for retirees on a budget. Retiring in Tampa provides access to extensive Gulf Coast beaches, excellent public transport, and plenty of senior-friendly activities. Average monthly cost of living: $4,900

Lexington, Kentucky

Lexington is an excellent option for retirees who want to keep their spending low while enjoying a blend of culture, outdoor activities, and a welcoming community. The city has a lively downtown with plenty of cultural amenities, scenic farms, and beautiful parks that are perfect for exploring. Living costs here are much lower than the national average, making it easy for retirees to live well even on a budget. Average monthly cost of living: $3,100

Savannah, Georgia

The blend of a historic charm, affordable living, and coastal beauty has made Savannah an excellent option for retirement. The city offers residents living costs lower than the national average and an affordable housing market that makes it easy for retirees to find comfortable accommodation. The vibrant arts scene, walkable streets, and mild winter create an ideal atmosphere for retirement. Retirees also have access to great healthcare options and plenty of opportunities for relaxation and socializing, offering an engaging lifestyle for retirees. Average monthly cost of living: $3,600

Hickory, North Carolina

Hickory is a beautiful city nestled in the Blue Ridge Mountains. It is the perfect destination for retirees who enjoy spending their time in nature. The city’s affordable living costs and home prices make it ideal for budget-conscious retirees. The small-town feel of the city, the thriving arts scene, and the excellent healthcare enhance the quality of life for retirees. Average monthly cost of living: $2,300

Lakeland, Florida

Lakeland is home to over 38 beautiful lakes, a historic downtown, a mild climate, and a high quality of life. There are plenty of cultural amenities to enjoy in the city, including exploring museums, theaters, and golf courses. The city is located between the cities of Tampa and Orlando, which offers residents easy access to major hospitals and entertainment options. Average monthly cost of living: $3,300

Midland, Michigan

The combination of affordable living costs and housing prices in Midland offers retirees looking to live on a budget with a great option. The city offers a strong community feel and a slower pace of life and is packed with different amenities in the city’s thriving downtown area. The city’s low crime rates and safe neighborhoods enhance the quality of life, attracting retirees from all over the country. Average monthly cost of living: $2,500

Fort Wayne, Indiana

With living costs far below the national average and affordable median home prices, Fort Wayne has emerged as an excellent destination for retirees looking for a blend of affordability and a high quality of life. The city has top-tier healthcare facilities and is home to numerous parks and a strong sense of community, contributing to residents’ high quality of life. The affordable entertainment options, including museums and cultural events, make it easy for retirees to stay active and live well. Average monthly cost of living: $2,600

Lafayette, Louisiana

Retirees who want to live well on a budget can consider living in Lafayette. The city combines affordability, in terms of living costs and housing, and a vibrant cultural scene. Retirees can enjoy the Cajun cuisine that the city is known for, the live music, and the welcoming community, which create an enriching atmosphere. Retirees in the city also have access to quality healthcare and a warm climate that makes it easy to develop a comfortable life. Average monthly cost of living: $3,100

Conway, Arkansas

Retiring in Conway can offer retirees a high quality of life, even while living on a budget. The city boasts low costs of living and housing, a friendly atmosphere, and high-quality healthcare. Retirees also have various affordable options to maintain an active lifestyle, whether by immersing themselves in the natural surroundings or exploring the various cultural amenities the city offers. Conway has become a great place to retire comfortably. Average monthly cost of living: $2,600

Biloxi, Mississippi

Biloxi is a coastal town with plenty of entertainment options that attract many retirees. The below-than-national-average living costs and affordable home prices in the city make it easy for retirees to maintain a budget and live comfortably at the same time. Retirees have access to plenty of relaxation and exploration, whether on the city’s beautiful beaches or the vibrant casinos and seafood restaurants. Biloxi also boasts excellent healthcare services and scenic beauty. Average monthly cost of living: $2,600

Mobile, Alabama

Mobile has become a hidden gem for retirees who want to live a budget-friendly and comfortable lifestyle. The city boasts a lively art scene, waterfront views, warm weather, and a rich history, which creates an appealing atmosphere for retirees. Low living costs, housing, and affordable healthcare make it easy for retirees to minimize their spending in the city. Retirees looking for tranquility and a friendly community are drawn to Mobile and the city’s lifestyle. Average monthly cost of living: $2,700

Des Moines, Iowa

Retirees who want to embrace the Midwestern atmosphere are drawn to Des Moines for its excellent healthcare, low costs of living, and highly affordable housing market. The city’s low costs have made living on a budget accessible for retirees. These individuals can explore numerous parks, partake in cultural events, and enjoy the mild weather conditions. The city’s stable economy and strong sense of community contribute to residents’ high quality of life. Average monthly cost of living: $3,600

Wilmington, North Carolina

Wilmington is a coastal city where residents have access to affordable living. Many retirees are drawn to the city’s affordability, excellent healthcare, warm winters, and strong retirement community, creating an ideal environment for companionship during retirement. The retirees in the city also have access to the beach, different cultural events, and a lively downtown scene, all offering affordable activities to explore. Average monthly cost of living: $3,500

College Station, Texas

College Station is another retiree-friendly destination, offering suburban tranquility with a university-town vibrance. Living in the city is affordable even for retirees on a budget. These individuals also have access to quality healthcare and amenities at Texas A&M University, which offers many learning opportunities. The city offers mild winters and has a friendly community with ample cultural attractions, making it an appealing choice for retirement. Average monthly cost of living: $3,000

Peoria, Illinois

Peoria has a lively arts scene, riverfront attractions, a friendly community, and a high quality of life that can appeal to many retirees. Those seeking to live off a budget thrive in the city’s low living costs, affordable housing, and low property taxes. Retirees can take part in various cultural events, stroll through scenic parks, and live a comfortable life without worrying about depleting their financial resources. Average monthly cost of living: $2,000

St. George, Utah

The warm weather, proximity to national parks, and affordability in St. George have made the city a favorite among retirees. The low costs of living, affordable home prices, and excellent healthcare options create an ideal setting for retirement. Retiring in St. George also offers retirees access to plenty of outdoor activities, golf courses, and a tight-knit community, which enhances the quality of life in the city. Average monthly cost of living: $1,200

Youngstown, Ohio

Youngstown is one of the most affordable locations to retire, with low living and housing costs. The city is home to the Youngstown State University and offers retirees access to an active social scene, cultural events, and a range of senior discounts for different amenities. The city offers plenty of affordable entertainment and dining options, making it a top choice for retirees who want to live well on a budget. Average monthly cost of living: $2,200

Brownsville, Texas

Brownsville is a great place for retirees in the southern part of Texas. It boasts a warm climate, low living costs, and affordable housing options. The city’s blend of Mexican and American culture creates an enriching atmosphere that enhances the quality of life. Retirees in Brownsville have access to the Gulf of Mexico’s beaches, making it a great destination for those seeking a warm and rich community. Average monthly cost of living: $1,500.

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