9 cheap and beautiful places to retire in US
For many, retiring on a budget means finding a place that offers both affordability and a high quality of life. GOBankingRates studied hundreds of US cities to uncover destinations that are not only inexpensive but also visually appealing. Each had to have at least 12% of residents aged 65 or older, total monthly costs under $9,000, and a livability score above 60. Here are the top 10 beautiful and affordable places to retire.
Beaumont, Texas
With a total population of 113,710, Beaumont has 15.6% of its residents aged 65 or older. The city's livability score is 65, and the average total monthly expenditure, including rent, is $2,701. Although Beaumont's livability score is not the highest, GOBankingRates ranked it first overall due to its affordable cost of living, low housing expenses, and the value it offers retirees on a fixed income. Its significant senior population also makes it well-suited to meet the needs of those in their golden years.
Cannon Beach, Oregon
Home to just 1,368 residents, Cannon Beach has a senior population percentage of 39.3%, a livability score of 80, and total monthly expenses of $7,441. Known for being the filming location of The Goonies, it offers retirees a chance to live surrounded by stunning natural beauty. Iconic Haystack Rock, walkable beaches, and sweeping coastal views are some of the area's most appealing features.
Santa Fe, New Mexico
Santa Fe's population stands at 88,244, with 25.8% aged 65 or older. Its livability score is 74, and the total monthly expenditure is $5,176. The city is a cultural hub, offering a vibrant art scene, rich history, and abundant outdoor recreation. Nestled in the foothills of the Rockies, Santa Fe gives retirees access to hiking, biking, and skiing, creating a balance between affordability and an active lifestyle.
Whitefish, Montana
Marfa, Texas
Leavenworth, Washington
With 2,676 residents and 18.3% seniors, Leavenworth holds a livability score of 84 and average monthly costs of $5,869. This charming Bavarian-style village is known for its historical character, outdoor recreational opportunities, and growing senior community. Its combination of scenic beauty and relaxed living makes it an attractive retirement choice.
Portland, Maine
Portland has a population of 68,505, with 17% aged 65 or older. Its livability score is 85, and total monthly costs are $5,145. Offering a more affordable cost of living than its West Coast namesake, Portland, Maine, still delivers stunning coastal views, convenient access to quality healthcare, and a vibrant senior scene.
Portsmouth, New Hampshire
Portsmouth is home to 22,332 residents, with 21% aged 65 and older. It holds a livability score of 85 and monthly costs of $6,489. The city offers affordable real estate options paired with beautiful natural surroundings, creating a high quality of life that remains within reach for retirees with a fixed income.
Naples, Florida
With a population of 19,421 and a striking 56.2% senior population, Naples has a livability score of 79 and total monthly expenses of $6,030. While Naples might not immediately come to mind as a budget-friendly option, it offers housing costs that won't overwhelm Social Security benefits. The beach town's large senior population and easy access to coastal living make it a popular retirement destination.
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