It is never too early to start planning your retirement destination. Whether you are ready to retire or years away, there is no reason why you cannot start preparing for your dream location today.
Chances are that you are looking for affordable cities that offer mild weather, fun activities, top-notch healthcare services, and a low cost of living to help stretch your retirement savings further – are we right?
If you want to avoid expensive and terrible places to retire and identify the best-rated and most welcoming retirement destinations, check out these 10 affordable cities to retire in the U.S.
1. Cape Coral, Florida
Despite its hurricane path location, the beautiful town of Cape Coral is one of those places that you might want to consider.
Located on Florida’s Gulf coast, the town has a low crime rate and constantly sunny weather. It also has fine dining, 400 miles of canals called the Waterfront Wonderland, a yacht club for relaxing, and proximity to Fort Myers and the Gulf of Mexico.
If you are looking to retire to Florida, a popular retirement destination, and want to save money for your future adventures, Cape Coral is a good choice. Its cost of living ranks low compared to living in Fort Lauderdale or Miami.
2. The Woodlands, Texas
The Lone Star State is a rising star for up-and-coming retirement destinations.
The Woodlands, located in the Houston suburbs, is an excellent place for retirees to live. With a population of around 100,000, outstanding housing options, and a low cost of living, The Woodlands is a great location to add to your retirement list.
Shop along Market Street, pick up lunch at the Woodlands Farmers’ Market, or enjoy a picnic or kayaking session at the Waterways.
Even better, the crime rate is as low as the affordable housing. So whether you are looking for a warm and pleasant climate or need quality healthcare access, both are readily available in this Houston suburb.
3. Mesa, Arizona
For retirees seeking a Western experience with affordable living, look no further than Mesa. The warm, dry climate means that you might want to look for a house with a swimming pool.
The good news is that Mesa has a modest cost of living, with homes often selling for under $200,000.
For art, science, or history fans, check out the Mesa Arts Center. Also visit the Arizona Natural History Museum, or the Mesa Historical Museum. Several easy hiking trails wind around the city’s easily navigable and grid-like layout. The Desert Belle Cruises also takes visitors on tours across Saguaro Lake.
Whether you are into a lively nightlife scene or want to check in with excellent healthcare services, the city’s downtown and the Arizona Medical Training Institute have you covered.
4. Charleston, South Carolina
Famous for its history, ocean views, and exquisite restaurants, Charleston is a retirement paradise come true.
While the city has expensive antebellum homes, beautiful beaches, hotels, and 5-star restaurants at places like the historic Wentworth Mansion, you do not have to be a millionaire to lead a comfortable retirement life in Charleston.
Most households report an average $64,000 income, while median home values, according to Zillow, hover around $357,744.
Summers have hot, humid weather but mild and pleasant winters. If you need access to world-class healthcare, the MUSC Health-University Medical Center made it onto the U.S. News’ top 50 best hospitals in the United States for three specializations in medicine.
5. Las Cruces, New Mexico
Head West if you want the small city life at an affordable price. With a median income of $43,000, Las Cruces offers a relatively low cost of living.
The city has a vibrant student life, with New Mexico State University nearby. New nightlife venues and restaurant spots crop up each year. Get ready for some hiking opportunities as well.
When you live in Las Cruces, expect sizzling hot summers and cool, dry winters. Even though it is a small city, it has a thriving healthcare system with multiple good healthcare centers.
6. Thousand Oaks, California
This California city is on the higher side of the affordability scale. Still, if you have a six-figure income to spend in retirement, Thousand Oaks offers the best California living.
If you choose to live in Thousand Oakes with less than a six-figure income, you can reach out to retirement planners for great ideas on how to make your retirement savings last.
The green community offers parks, outdoor activities, good healthcare resources are just a drive away. Enjoy scenic views close to the Malibu coast and Los Angeles.
7. San Antonio, Texas
You will not lack entertainment or health services in this affordable city. Despite higher taxes than Florida or Alabama, the lower cost of senior care or adult day services balances this out.
Additionally, the five campuses of the local Baptist Medical Center made the U.S. News’ top regional hospitals report.
San Antonio has a lot to offer retirees, packed with local history and the oldest Spanish churches in North America. There is also a gorgeous and vibrant Riverwalk area filled with restaurants, boat tours, and shopping.
8. Savannah, Georgia,
If one place ranks high on retirement lists, Savannah checks all the boxes.
Gorgeous, filled with history, public squares, beautiful homes, shopping, and pedestrian ways, the town is not only a popular tourist destination but one that a lively community of retirees calls home.
Take your pick from cultural and natural entertainment in a surprisingly affordable city. With a mix of pleasant and damp winters and hot southern summer weather, you will enjoy all the seasons.
9. Colorado Springs, Colorado
There is so much to do in Colorado Springs. It is popular retirement spot might already have you packing your bags.
This vibrant community not only has its local airport, but offers natural attractions such as the Balanced Rock at Garden of the Gods.
With a low cost of living, this high-altitude town offers four seasons that take you from hot mountain summers to white winter snowstorms.
10. Wenatchee, Washington
People looking for peace, quiet, and excellent hospitals in the great outdoors, head to Wenatchee Valley for your retirement home.
There are many activities for retirees filled with natural wonders that range from parks, beaches, rivers, and desert landscapes.
Enjoy local wineries, open-air concerts, golfing, whitewater rafting, mountain biking, or skiing in this excellent and affordable retirement location.
We hope this list has helped you choose an affordable city to retire to in the future.