10 Beautiful U.S. Towns Where Retirees Are Moving for a Better Life and Lower Costs

Retiring comfortably in the U.S. isn’t about picking the cheapest place on the map. It’s about balancing cost of living with lifestyle quality — and yes, that includes natural beauty, community amenities, and access to healthcare.

Today’s retirees are redefining their golden years: downsizing where it counts while maximizing life experiences. To help you find that sweet spot, we’ve spotlighted 10 U.S. towns where you can retire on a budget without sacrificing charm, scenery, or peace of mind.

Each city or town on this list meets three essential criteria:

• At least 12% of the population is aged 65 or older, ensuring a built-in retirement community.

• A monthly cost of living (including rent) under $9,000.

• A livability score of 60 or higher, based on factors like safety, healthcare, amenities, and affordability.

Whether you’re seeking a coastal village, an art-infused town, or a mountain retreat, here’s where you can live richly — even on a fixed income.

1. Marfa, Texas

• Population: 2,179

• Seniors (65+): 35.8%

• Monthly Cost: $3,626

• Livability Score: 73

Why Marfa?
Retirees who value minimalism, art, and wide-open skies will find Marfa a tranquil oasis in West Texas. This high-desert town is a hub for creatives and retirees who appreciate solitude, stargazing, and community-driven living.

Financial Perks: Texas has no state income tax, and Marfa offers some of the lowest real estate prices per square foot in the region — perfect for retirees cashing out of expensive metro markets.

Added Value:
Marfa’s slower pace, walkability, and supportive local services make it ideal for those seeking a peaceful, reflective retirement. It’s not for everyone — but it’s magic for the right soul.

2. Portland, Maine

• Population: 68,505

• Seniors (65+): 17%

• Monthly Cost: $5,145

• Livability Score: 85

Why Portland?
Maine’s largest city blends small-town charm with urban amenities. Located on a scenic harbor, Portland delivers four seasons of beauty, a walkable downtown, and a buzzing arts and culinary scene.

Healthcare Access:
Portland is home to Maine Medical Center, one of the best-rated hospitals in New England — a major plus for retirees prioritizing quality healthcare.

Bonus:
With coastal living without the congestion of Boston or New York, Portland offers a healthy mix of serenity and stimulation, perfect for active retirees.

3. Santa Fe, New Mexico

• Population: 88,244

• Seniors (65+): 25.8%

• Monthly Cost: $5,176

• Livability Score: 74

Why Santa Fe?
Nestled in the Sangre de Cristo foothills, Santa Fe is a haven for retirees who want to immerse themselves in art, history, and nature. The adobe architecture, turquoise skies, and cultural heritage make it one of America’s most unique retirement options.

Wellness Living:
The dry climate, altitude, and abundance of outdoor activities make it ideal for health-conscious retirees. From hiking to hot springs, it’s a destination for both the body and the soul.

Tax Facts:
New Mexico taxes Social Security income, but the state offers senior property tax exemptions and relatively low healthcare costs.

4. Whitefish, Montana

• Population: 8,422

• Seniors (65+): 23.4%

• Monthly Cost: $7,060

• Livability Score: 82

Why Whitefish?
Whitefish is perfect for retirees seeking adventure without sacrificing tranquility. It borders Glacier National Park and offers skiing, hiking, fishing, and lakeside serenity.

Retirement Lifestyle:
While it may not be the cheapest option, retirees here benefit from clean air, low crime, and a tight-knit community. It’s also a health-conscious town with access to outdoor fitness options year-round.

5. Beaumont, Texas

• Population: 113,710

• Seniors (65+): 15.6%

• Monthly Cost: $2,701

• Livability Score: 65

Why Beaumont?
If affordability tops your list, Beaumont is a standout. Located near the Louisiana border, it offers low housing costs, mild winters, and proximity to the Gulf Coast.

Community Assets:
With numerous parks, golf courses, and a growing medical infrastructure, Beaumont is a smart base for retirees who want simple living with modern conveniences.

Financial Insight:
Texas’ no-income-tax policy and Beaumont’s incredibly low monthly living costs make it appealing for retirees reliant on Social Security and pensions.

6. Leavenworth, Washington

• Population: 2,676

• Seniors (65+): 18.3%

• Monthly Cost: $5,869

• Livability Score: 84

Why Leavenworth?
A storybook Bavarian village in the Cascade Mountains, Leavenworth is a visual delight. It’s ideal for retirees who love nature, culture, and festive community life.

Health & Recreation:
With mountain air, clear rivers, and year-round outdoor activities, it’s an excellent choice for active seniors who prefer hiking trails to shopping malls.

7. Naples, Florida

• Population: 19,421

• Seniors (65+): 56.2%

• Monthly Cost: $6,030

• Livability Score: 79

Why Naples?
This Gulf Coast gem has long been a favorite for retirees. It offers white sandy beaches, excellent golf courses, and an established senior infrastructure.

Retiree Community:
With over half its population aged 65+, Naples is designed around retirees. You’ll find clubs, groups, medical services, and events tailored for senior life.

Florida Advantage:
No state income tax, no tax on Social Security, and consistent warm weather make Florida one of the most financially advantageous states for retirement.

8. Cannon Beach, Oregon

• Population: 1,368

• Seniors (65+): 39.3%

• Monthly Cost: $7,441

• Livability Score: 80

Why Cannon Beach?
Coastal elegance, quiet living, and iconic views of Haystack Rock define this Pacific Northwest treasure. It’s ideal for retirees who crave oceanfront peace without the crowds.

Who It’s For:
Nature lovers, photographers, and those seeking coastal tranquility will thrive here. While it’s not the cheapest, the setting offers emotional value that’s hard to match.

9. Seward, Arkansas

• Population: 2,735

• Seniors (65+): 18.9%

• Monthly Cost: $4,170

• Livability Score: 84

Why Seward?
A budget-friendly option with proximity to Hot Springs and abundant green space, Seward offers a relaxed pace of life, low crime rates, and tax perks.

State Benefits:
Arkansas doesn’t tax Social Security or military retirement, making it a hidden gem for budget-conscious veterans and older adults.

Community Bonus:
The area offers strong volunteer networks, local festivals, and friendly neighborhoods that welcome newcomers.

10. Portsmouth, New Hampshire

• Population: 22,332

• Seniors (65+): 21%

• Monthly Cost: $6,489

• Livability Score: 85

Why Portsmouth?
With cobblestone streets, waterfront parks, and a strong local economy, Portsmouth is perfect for retirees who want an active, cultured life by the sea.

Added Value:
Despite slightly higher living costs, the city offers access to excellent healthcare and amenities, along with no sales tax or income tax on Social Security.

Whether you're drawn to mountain towns, desert art hubs, or coastal retreats, these ten cities prove that retiring in style doesn’t have to break the bank. With strong senior communities, manageable living expenses, and high livability, they offer more than affordability — they offer a chance to enjoy retirement on your own terms, in places that feel worth the move.

Also Read: 8 Affordable Home Upgrades That Can Dramatically Increase Your Property Value