Retiring well doesn’t have to mean giving up comfort or adventure. Using recent cost-of-living data from the U.S. Census Bureau, Zillow, and local retirement indexes, we’ve rounded up towns that offer the best mix of affordability, safety, healthcare access, and quality of life. These are places where your savings go further, but you still get fresh air, walkable streets, and a community that feels alive. Whether you prefer mountain views, lakeside mornings, or a quiet historic downtown, these 12 U.S. towns make it possible to retire without financial stress.
1. Fayetteville, Arkansas
Median Home Price: ~$290,000 | Cost of Living: 10% below national average
Fayetteville blends Ozark scenery with college-town energy. The University of Arkansas brings concerts, art, and great healthcare, while nearby trails and farmers markets keep daily life active. Housing stays affordable, and the mild climate appeals to retirees who want four seasons without harsh winters. Fayetteville’s mix of energy and ease makes it one of the South’s most balanced retirement towns.
2. Greenville, South Carolina
Median Home Price: ~$310,000 | Cost of Living: 9% below national average
Greenville has quietly become a Southern favorite. Its revitalized downtown, walkable parks, and growing arts scene make it lively but not overwhelming. Retirees enjoy mild weather, excellent healthcare, and a strong sense of community. It’s less crowded than Charleston and far more affordable, making it a smart pick for anyone seeking comfort and charm.
3. Coeur d’Alene, Idaho
Median Home Price: ~$420,000 | Cost of Living: Slightly below national average
Surrounded by pine forests and a sparkling lake, Coeur d’Alene feels like a resort town that never lost its soul. Summers are made for boating and golf, and winters are calm but cozy. While the town has grown in popularity, costs remain reasonable compared to similar lakeside communities. It’s ideal for retirees who want nature, peace, and good value.
4. Bella Vista, Arkansas
Median Home Price: ~$250,000 | Cost of Living: 13% below national average
Bella Vista was originally designed for retirees, and it still delivers. The community features golf courses, lakes, and scenic trails at prices well below the national average. With low property taxes, friendly neighbors, and reliable healthcare nearby, it’s one of the best spots in the country for a low-stress, high-quality retirement.
5. Lancaster, Pennsylvania
Median Home Price: ~$290,000 | Cost of Living: 8% below national average
Lancaster offers a rare blend of historic charm and modern convenience. Retirees are drawn to its peaceful countryside, walkable downtown, and thriving arts and dining scene. It’s known for good healthcare and community programs for seniors, plus it’s close enough to major cities for weekend trips. Lancaster makes slow living feel vibrant.
6. Fort Wayne, Indiana
Median Home Price: ~$210,000 | Cost of Living: 17% below national average
Fort Wayne might be one of the most underrated cities for retirees. It’s affordable, clean, and has excellent healthcare. There’s a strong local pride here, with family-run restaurants, parks, and easy access to cultural events. The low property taxes and manageable pace make it a practical choice for anyone ready to trade city stress for comfort.
7. Prescott, Arizona
Median Home Price: ~$450,000 | Cost of Living: At national average
Prescott combines small-town friendliness with big scenery. Surrounded by mountains and forests, it offers four mild seasons, endless hiking, and a charming historic downtown. It’s less crowded than Phoenix but still close to major hospitals and services. For retirees who want warm weather without extreme heat, Prescott strikes the right balance.
8. Hot Springs, Arkansas
Median Home Price: ~$230,000 | Cost of Living: 14% below national average
Hot Springs blends relaxation with affordability. The natural thermal springs, lakes, and mountain backdrop make every day feel like a retreat. Retirees appreciate the low cost of living, historic downtown, and easy access to healthcare. It’s ideal for anyone who wants a calm lifestyle surrounded by nature and wellness.
9. Grand Junction, Colorado
Median Home Price: ~$420,000 | Cost of Living: 5% below national average
Grand Junction gives you the Colorado experience without Aspen prices. Set between red rock canyons and vineyards, it’s perfect for active retirees who love hiking, biking, and scenic drives. The town has strong healthcare facilities, mild winters, and a friendly pace of life that makes mountain living accessible.
10. Johnson City, Tennessee
Median Home Price: ~$270,000 | Cost of Living: 12% below national average
Johnson City sits in the Appalachian foothills and offers one of the most affordable retirements in the Southeast. It’s quiet, surrounded by lakes and forests, yet close to healthcare and shopping. The local community is welcoming, taxes are low, and the slower rhythm makes it easy to settle in.
11. St. George, Utah
Median Home Price: ~$480,000 | Cost of Living: Slightly above national average
With its red cliffs, sunny skies, and clean air, St. George is one of Utah’s most scenic retirement spots. While housing is pricier than average, the area’s outdoor beauty, low crime, and tax-friendly policies make it worth considering. Retirees enjoy an active, outdoor lifestyle without sacrificing comfort.
12. Eau Claire, Wisconsin
Median Home Price: ~$265,000 | Cost of Living: 9% below national average
Eau Claire combines affordability with character. The local arts scene, festivals, and music culture make it lively, while nearby lakes and forests keep life peaceful. The town offers great healthcare, low taxes, and a strong sense of community. For retirees who want all four seasons without financial strain, Eau Claire is a standout.
