29-07-2025
Stretch Your Social Security Check In These Affordable, Sunny Cities
Living on a fixed income can feel limiting, especially in larger cities where housing and healthcare costs continue to rise. The average Social Security check is now just a little over $2,000 per month, up from about $1,918 last year and close to $1,514 five years ago, per the Social Security Administration. While that's an improvement, it's still not nearly enough to comfortably cover living expenses in high-cost metros areas. That said, there are a handful of smaller, budget-friendly U.S. cities where $2,000 can still go surprisingly far, covering housing costs and some essentials. Sure, there are overseas destinations where your dollars may stretch even further, but those come with their own logistical challenges, healthcare uncertainties, and cultural adjustments. For many, there's still no place like home, especially if home comes with sunshine and a milder winter. Here are three warm-weather U.S. cities where retirees can enjoy a comfortable lifestyle on a fixed income, without giving up on quality of life or climate.
PHILADELPHIA - FEBRUARY 11: Blank Social Security checks are run through a printer at the U.S. ... More Treasury printing facility February 11, 2005 in Philadelphia, Pennsylvania. As U.S. President George W. Bush travels the country to stump for his plan to change the Social Security system, opposition continues from some members of Congress and senior citizen groups concerned that the proposal would erode guarantees to the federal retirement program. (Photo by William)
Decatur, Alabama
If you're looking for a pretty low cost of living, Alabama deserves a closer look. Decatur offers a warm climate and a lower median home value than the national average. Alabama is also tax-friendly for retirees, as it doesn't tax Social Security benefits or most pension income. In fact, homeowners aged 65 and older are exempt from state property taxes, and in many cases, local property taxes too. Decatur enjoys a moderate Southern climate, with average annual low temperatures of around 51 degrees Fahrenheit. Its location on the Tennessee River adds natural beauty and provides for several outdoor recreation options. Median home prices in Decatur typically range from $210,000 to $230,000, reflecting the state's generally lower housing costs.
Hot Springs, Arkansas
The city is well known for its namesake hot springs and national park. Hot Springs combines natural beauty with small-town affordability and a warm climate. Arkansas also ranks among the more tax-friendly states for retirees, with relatively low housing and healthcare costs. Hot Springs National Park, located at the city's north end, is home to 47 thermal springs, offering lots of wellness options. Average annual low temperatures hover around 50°F, making it appealing for those who want to avoid harsh winters. Housing costs are also well below the national average. Median home values in Hot Springs range from $155,000 to $170,000.
Sebring, Florida
A smaller town located in central Florida, Sebring offers the appeal of Florida's sunshine without the high price tag of the state's more famous coastal cities. The population in Sebring is older, making it a good fit for retirees. Sebring offers relatively low local taxes, and while it doesn't sit directly on the ocean, it features several freshwater 'lake beaches.' The overall cost of living is considerably lower than in places like Miami or Tampa, making it a solid choice for retirees living on Social Security. Median home prices in Sebring remain more affordable compared to other parts of the state, estimated at between $185,000 to $220,000. Average annual low temperatures come in at a mild 63°F. While Florida's weather is a draw, it's worth noting that hurricane risk is a factor to consider.
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