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10 Low cost, Lovely Locations To Retire

News Team by News Team
August 7, 2025
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10 Low cost, Lovely Locations To Retire
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For most individuals, retiring on a price range requires selecting an reasonably priced vacation spot that includes a top quality of life with a low value of residing. To help you in your relocation plans, GOBankingRates checked out a whole lot of U.S. cities to seek out not solely a number of the least expensive locations to retire, but in addition a number of the most lovely.

Examine Out: 50 Most cost-effective Locations To Retire Throughout America

Learn Subsequent: 6 Hybrid Automobiles To Keep Away From in Retirement

To rank within the examine, every metropolis needed to meet the next necessities: Greater than 12% of the inhabitants needed to be 65 or older, the whole month-to-month expenditure greenback quantity — together with hire — needed to be beneath $9,000, and the common livability rating needed to be larger than 60.

Take a look at these lovely locations to retire that received’t wreck your checking account.

  • Whole inhabitants: 113,710

  • Share of inhabitants 65 and older: 15.6%

  • Livability rating: 65

  • Whole month-to-month expenditures (together with hire): $2,701

Although Beaumont doesn’t essentially have the very best livability rating, GOBankingRates did rank it in first place based mostly on the general execs, similar to an reasonably priced value of residing, low housing bills and the way far your fastened earnings will go right here. It additionally boasts a great proportion of seniors, making it a group that would undoubtedly cater to a lot of your wants in retirement.

  • Whole inhabitants: 1,368

  • Share of inhabitants 65 and older: 39.3%

  • Livability rating: 80

  • Whole month-to-month expenditures (together with hire): $7,441

Goonies might by no means say die, however they do develop up, and in case you’d wish to retire within the scenic place the place that film was shot, then Cannon Seaside is the spot so that you can reside out your golden years. Its pure magnificence will draw you in, together with the long-lasting Haystack Rock, walkable seashores and breathtaking coastal views.

Uncover Extra: The 7 Greatest Retirement Cities You’ve By no means Heard Of (However Ought to Take into account in 2025)

  • Whole inhabitants: 88,244

  • Share of inhabitants 65 and older: 25.8%

  • Livability rating: 74

  • Whole month-to-month expenditures (together with hire): $5,176

As a vortex of cultural richness, out of doors recreation and a vibrant artwork scene, many retirees have discovered Santa Fe to be an perfect retirement vacation spot. It’s positioned within the foothills of the Rockies, which offers ample alternatives for out of doors actions like climbing, biking and even snowboarding to assist hold your extra reasonably priced lifetime of leisure lively.

  • Whole inhabitants: 8,422

  • Share of inhabitants 65 and older: 23.4%

  • Livability rating: 82

  • Whole month-to-month expenditures (together with hire): $7,060

If you happen to’re like most individuals dealing with retirement, you’re working with a restricted price range. Even so, that doesn’t imply you need to accept residing someplace that doesn’t have massive skies and larger budget-friendliness. Whitefish has wholesome doses of pure magnificence serving because the backdrop to your new, snug and slower tempo of life.

  • Whole inhabitants: 2,179

  • Share of inhabitants 65 and older: 35.8%

  • Livability rating: 73

  • Whole month-to-month expenditures (together with hire): $3,626

Marfa, positioned in West Texas, has an enormous retirement group full of artists who flocked there to be close to the gorgeous desert landscapes. If you happen to retire right here, you’ll be able to admire the beautiful vistas at an reasonably priced price ticket.

  • Whole inhabitants: 2,676

  • Share of inhabitants 65 and older: 18.3%

  • Livability rating: 84

  • Whole month-to-month expenditures (together with hire): $5,869

Leavenworth ought to be in your retirement radar because of its charming Bavarian village ambiance, historic attraction, out of doors recreation alternatives and booming senior group. The city’s distinctive mix of outdoorsiness and relaxed way of life makes it a must-consider when retirement planning.

  • Whole inhabitants: 68,505

  • Share of inhabitants 65 and older: 17%

  • Livability rating: 85

  • Whole month-to-month expenditures (together with hire): $5,145

Although there could also be two wonderful Portland coastal massive cities to select from, Portland, Maine, barely edges out Oregon because it has a way more reasonably priced value of residing, however doesn’t sacrifice an oz. of pure magnificence. This nice metropolis is the place retirees can get pleasure from handy entry to glorious healthcare, a wealthy historical past and a vibrant senior group.

  • Whole inhabitants: 2,735

  • Share of inhabitants 65 and older: 18.9%

  • Livability rating: 84

  • Whole month-to-month expenditures (together with hire): $4,170

Seward has a surrounding space that features such magical areas as Sizzling Springs Village and provides a number of compelling causes for retirement. These embody a low value of residing and reasonably priced housing, in addition to advantages for retirees in Arkansas, similar to exemption from Social Safety earnings taxes and navy retirement pay.

  • Whole inhabitants: 22,332

  • Share of inhabitants 65 and older: 21%

  • Livability rating: 85

  • Whole month-to-month expenditures (together with hire): $6,489

If you happen to retire in Portsmouth, you’ll be setting your self up with moderately priced actual property surrounded by lovely pure surroundings. This top quality of life comes with a invoice you’ll have the ability to simply afford on a hard and fast earnings with only a fundamental quantity of retirement planning.

  • Whole inhabitants: 19,421

  • Share of inhabitants 65 and older: 56.2%

  • Livability rating: 79

  • Whole month-to-month expenditures (together with hire): $6,030

If you consider low-cost locations to retire, you in all probability don’t suppose you’ll discover Naples on the record. Nevertheless, this cozy seashore city nonetheless has housing prices that received’t bankrupt your Social Safety advantages. Over half of its inhabitants is age 65 and older, which makes this an incredible alternative for retirees who wish to get pleasure from easy accessibility to a beachy way of life.

J. Arky contributed to the reporting for this text.

Methodology: For this examine, GOBankingRates analyzed probably the most lovely U.S. cities to seek out the most affordable value of retirement. Places had been chosen from USNews, Forbes.com, IBTimes, RealEstateNews.com, Architectural Digest, CNTraveller, USNews&Journey, TourScanner, WorldWildSchooling, and Timeout.com to seek out probably the most lovely areas in the US. For every location, a number of components had been discovered, together with whole inhabitants, inhabitants ages 65 and over, whole households, and family median earnings, all sourced from the US Census American Group Survey. The price-of-living indexes had been sourced from Sperling’s BestPlaces and embody the grocery, healthcare, housing, utilities, transportation, and miscellaneous value of residing indexes. The typical expenditure value for every location may be calculated utilizing the cost-of-living indexes and the nationwide common expenditure prices, as sourced from the Bureau of Labor Statistics Shopper Expenditure Survey. The livability index was sourced from AreaVibes for every location. The typical single-family dwelling worth was sourced from Zillow Residence Worth Index for March 2025. Utilizing the common single-family dwelling worth, assuming a ten% down cost, and utilizing the latest nationwide common 30-year fastened mortgage price, as sourced from the Federal Reserve Financial Information, the common mortgage may be calculated. Utilizing the common mortgage and common expenditure prices, the common whole month-to-month and annual value of residing may be calculated. The cities had been sorted to point out the most affordable value of retirement first. All information was collected on and is updated as of Could sixteenth, 2025.

Extra From GOBankingRates

This text initially appeared on GOBankingRates.com: 10 Low cost, Lovely Locations To Retire

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For most individuals, retiring on a price range requires selecting an reasonably priced vacation spot that includes a top quality of life with a low value of residing. To help you in your relocation plans, GOBankingRates checked out a whole lot of U.S. cities to seek out not solely a number of the least expensive locations to retire, but in addition a number of the most lovely.

Examine Out: 50 Most cost-effective Locations To Retire Throughout America

Learn Subsequent: 6 Hybrid Automobiles To Keep Away From in Retirement

To rank within the examine, every metropolis needed to meet the next necessities: Greater than 12% of the inhabitants needed to be 65 or older, the whole month-to-month expenditure greenback quantity — together with hire — needed to be beneath $9,000, and the common livability rating needed to be larger than 60.

Take a look at these lovely locations to retire that received’t wreck your checking account.

  • Whole inhabitants: 113,710

  • Share of inhabitants 65 and older: 15.6%

  • Livability rating: 65

  • Whole month-to-month expenditures (together with hire): $2,701

Although Beaumont doesn’t essentially have the very best livability rating, GOBankingRates did rank it in first place based mostly on the general execs, similar to an reasonably priced value of residing, low housing bills and the way far your fastened earnings will go right here. It additionally boasts a great proportion of seniors, making it a group that would undoubtedly cater to a lot of your wants in retirement.

  • Whole inhabitants: 1,368

  • Share of inhabitants 65 and older: 39.3%

  • Livability rating: 80

  • Whole month-to-month expenditures (together with hire): $7,441

Goonies might by no means say die, however they do develop up, and in case you’d wish to retire within the scenic place the place that film was shot, then Cannon Seaside is the spot so that you can reside out your golden years. Its pure magnificence will draw you in, together with the long-lasting Haystack Rock, walkable seashores and breathtaking coastal views.

Uncover Extra: The 7 Greatest Retirement Cities You’ve By no means Heard Of (However Ought to Take into account in 2025)

  • Whole inhabitants: 88,244

  • Share of inhabitants 65 and older: 25.8%

  • Livability rating: 74

  • Whole month-to-month expenditures (together with hire): $5,176

As a vortex of cultural richness, out of doors recreation and a vibrant artwork scene, many retirees have discovered Santa Fe to be an perfect retirement vacation spot. It’s positioned within the foothills of the Rockies, which offers ample alternatives for out of doors actions like climbing, biking and even snowboarding to assist hold your extra reasonably priced lifetime of leisure lively.

  • Whole inhabitants: 8,422

  • Share of inhabitants 65 and older: 23.4%

  • Livability rating: 82

  • Whole month-to-month expenditures (together with hire): $7,060

If you happen to’re like most individuals dealing with retirement, you’re working with a restricted price range. Even so, that doesn’t imply you need to accept residing someplace that doesn’t have massive skies and larger budget-friendliness. Whitefish has wholesome doses of pure magnificence serving because the backdrop to your new, snug and slower tempo of life.

  • Whole inhabitants: 2,179

  • Share of inhabitants 65 and older: 35.8%

  • Livability rating: 73

  • Whole month-to-month expenditures (together with hire): $3,626

Marfa, positioned in West Texas, has an enormous retirement group full of artists who flocked there to be close to the gorgeous desert landscapes. If you happen to retire right here, you’ll be able to admire the beautiful vistas at an reasonably priced price ticket.

  • Whole inhabitants: 2,676

  • Share of inhabitants 65 and older: 18.3%

  • Livability rating: 84

  • Whole month-to-month expenditures (together with hire): $5,869

Leavenworth ought to be in your retirement radar because of its charming Bavarian village ambiance, historic attraction, out of doors recreation alternatives and booming senior group. The city’s distinctive mix of outdoorsiness and relaxed way of life makes it a must-consider when retirement planning.

  • Whole inhabitants: 68,505

  • Share of inhabitants 65 and older: 17%

  • Livability rating: 85

  • Whole month-to-month expenditures (together with hire): $5,145

Although there could also be two wonderful Portland coastal massive cities to select from, Portland, Maine, barely edges out Oregon because it has a way more reasonably priced value of residing, however doesn’t sacrifice an oz. of pure magnificence. This nice metropolis is the place retirees can get pleasure from handy entry to glorious healthcare, a wealthy historical past and a vibrant senior group.

  • Whole inhabitants: 2,735

  • Share of inhabitants 65 and older: 18.9%

  • Livability rating: 84

  • Whole month-to-month expenditures (together with hire): $4,170

Seward has a surrounding space that features such magical areas as Sizzling Springs Village and provides a number of compelling causes for retirement. These embody a low value of residing and reasonably priced housing, in addition to advantages for retirees in Arkansas, similar to exemption from Social Safety earnings taxes and navy retirement pay.

  • Whole inhabitants: 22,332

  • Share of inhabitants 65 and older: 21%

  • Livability rating: 85

  • Whole month-to-month expenditures (together with hire): $6,489

If you happen to retire in Portsmouth, you’ll be setting your self up with moderately priced actual property surrounded by lovely pure surroundings. This top quality of life comes with a invoice you’ll have the ability to simply afford on a hard and fast earnings with only a fundamental quantity of retirement planning.

  • Whole inhabitants: 19,421

  • Share of inhabitants 65 and older: 56.2%

  • Livability rating: 79

  • Whole month-to-month expenditures (together with hire): $6,030

If you consider low-cost locations to retire, you in all probability don’t suppose you’ll discover Naples on the record. Nevertheless, this cozy seashore city nonetheless has housing prices that received’t bankrupt your Social Safety advantages. Over half of its inhabitants is age 65 and older, which makes this an incredible alternative for retirees who wish to get pleasure from easy accessibility to a beachy way of life.

J. Arky contributed to the reporting for this text.

Methodology: For this examine, GOBankingRates analyzed probably the most lovely U.S. cities to seek out the most affordable value of retirement. Places had been chosen from USNews, Forbes.com, IBTimes, RealEstateNews.com, Architectural Digest, CNTraveller, USNews&Journey, TourScanner, WorldWildSchooling, and Timeout.com to seek out probably the most lovely areas in the US. For every location, a number of components had been discovered, together with whole inhabitants, inhabitants ages 65 and over, whole households, and family median earnings, all sourced from the US Census American Group Survey. The price-of-living indexes had been sourced from Sperling’s BestPlaces and embody the grocery, healthcare, housing, utilities, transportation, and miscellaneous value of residing indexes. The typical expenditure value for every location may be calculated utilizing the cost-of-living indexes and the nationwide common expenditure prices, as sourced from the Bureau of Labor Statistics Shopper Expenditure Survey. The livability index was sourced from AreaVibes for every location. The typical single-family dwelling worth was sourced from Zillow Residence Worth Index for March 2025. Utilizing the common single-family dwelling worth, assuming a ten% down cost, and utilizing the latest nationwide common 30-year fastened mortgage price, as sourced from the Federal Reserve Financial Information, the common mortgage may be calculated. Utilizing the common mortgage and common expenditure prices, the common whole month-to-month and annual value of residing may be calculated. The cities had been sorted to point out the most affordable value of retirement first. All information was collected on and is updated as of Could sixteenth, 2025.

Extra From GOBankingRates

This text initially appeared on GOBankingRates.com: 10 Low cost, Lovely Locations To Retire

Tags: beautifulCheapPlacesRetire

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