Do you want to retire and live life to the fullest in USA? If YES, here are 20 best cities in USA to enjoy your retirement life without breaking the bank.

Retirement age varies from country to country and also from profession to profession, but one thing that is common is that there is a limit to which anyone can be actively involved in the labor force hence the need to make adequate preparation for life after active service.

Irrespective of what someone earns and how comfortable they were when they were still active as an employee or business owner, if they not are deliberate about how they want to spend their life after retirement and then go ahead to make plans, they are likely going to retire broke and sometimes have a miserable retirement period.

If you are fortunate enough to earn a good paycheck as an employee or an entrepreneur, it is very important that you make plans on the most ideal city to retire to. The truth is that there are cities that are quite suitable for people to retire to without breaking the bank, and above all live within their means while enjoying their retirement.

So, if you are looking for the best city to retire to in the United States, based on well – conducted research, here are the 20 best cities you can choose from;

20 Best Cities in USA to Enjoy your Retirement Life

  1. Wenatchee, Washington

Top on the list of the most suitable cities to retire to in the United States of America is Wenatchee, Washington. Locals love the Wenatchee Valley, with its river, natural beaches, parks, and unexpected desert landscapes. With its natural surroundings, the city of Wenatchee is a paradise for outdoorsy types, offering nearby opportunities for water sports, whitewater rafting, golfing, mountain biking, and skiing, all in one place.

The average home price in the city is currently $262,000, and good enough, there are several well-regarded hospitals in town. With its two performing arts centers, local wineries, and open-air concerts in the summer, this city really seems to have it all.

  1. Summerville, South Carolina

Summerville no doubt is an ideal city to retire to in the United States. History has it that the city began growing when wealthy people moved in during the 1800s, and this is evidenced in the lovely historical mansions and charming downtown and its many interesting shops. Today, Summerville is experiencing a lot of growth, which translates to construction and rising home prices.

Presently, the average house cost in the city is $178,000, in case this is cheap for you, the good news is that the area has many million dollar homes as well. All the same, the fresh air, famous spring flowers, and warm weather continue to attract retirees. Located only 14 miles from Charleston, Summerville offers the best in charming small-town living and modern amenities.

  1. Colorado Springs, Colorado

Colorado Springs is no doubt the second-largest city in the state of Colorado. Colorado Springs can boast of a population of 415,000 and its own airport. Colorado Springs remains a popular retirement spot thanks to its gorgeous natural surroundings and year – round run.

With its high-altitude location, the town experiences all four seasons from hot summers to winter snowstorms. But it also promises a lower cost of living than other cities in the state, and has an average housing price of $284,000, which is half the price of a home in Boulder. Memorial Hospital and Penrose Hospital are located in town making it easier for retirees to easily access medical facilities.

  1. Port Charlotte, Florida

If you love beach-houses as a retiree, then Port Charlotte should be your destination. Florida happens to be the perennial retirement favorite and coastal Port Charlotte is one of its shining stars thanks to its low taxes, affordable boating, fantastic Cuban food, and great weather.

Even though the town has grown in popularity in recent years, it maintains a relaxed attitude and lower than average cost of living and relatively low median housing price of $166,600. With a hospital and several medical centers in town, look no further for an affordable retirement on the waterfront.

  1. Maryville, Tennessee

Another interesting city for retirees in the United States is Maryville. The city is located just 15 miles outside Knoxville. Maryville is home to the lovely historic Maryville College and a fairly educated population. Maryville has become very popular with retirees thanks to its low tax rate, highly – rated hospitals, many parks, and welcoming atmosphere.

There are loads of lively adult communities to keep your social calendar busy, too. The current average home price is $157,500, but prices are rising as the town grows in popularity.

  1. Lewiston, Maine

If you truly love to retire to a small town in the United States, then one of your options is to choose Lewiston. For a small town of just over 36,000, Lewiston has a lot going for it since its recent revitalization. The town is home to multiple museums, a theatre, a brewery, and the lovely Androscoggin River front with miles of walking and biking trails.

With its lower than average cost of living, fresh air, and low crime rate, Lewiston is a lovely and quiet place to live a peaceful retirement and yet maximize your life.

  1. Iowa City, Iowa

If you are a lover of arts and reading, then one of your best options when it comes to choosing a city to retire to in the United States is to choose Iowa City. This city stands out among the many college towns on this list many thanks to its active literary community and arts festivals.

Education and healthcare are the main drivers of the city’s economy, which means you can expect great healthcare and adult education opportunities. Iowa City’s downtown has a lovely riverfront and Literary Walk with commemorative plaques, green treed streets, and a shopping mall. The average home price here is about $280,000, and crime is well below the national average.

  1. Jefferson City, Missouri

Jefferson City is located halfway between St. Louis and Kansas City. Jefferson City is a charming historic town with a population of 43,000. With more than 30 retirement and assisted living communities in the city, this is a town that both welcomes and cares for its retirees.

The cost of living here is 10 percent below the national average, leaving plenty of room in the budget to enjoy the dinner theatres, boutiques, and antique stores downtown. Here you can expect to meet your neighbors, as everyone will be out and about enjoying the lovely weather, which hovers between summer highs of 88F and winter lows of 20F.

  1. Grand Prairie, Texas

If you prefer to live in a city with a small-town feel, then Grand Prairie might just be the most suitable city for you to retire to. Grand Prairie is popular with retirees, many thanks to its many parks, fitness centers, and entertainment venues, including a race track, baseball stadium, beach, marina, and growing restaurant strip. Summers are hot and humid and winters are cold and wet, but hurricanes tend to avoid this area.

The town is 20 minutes’ drive to the Dallas / Fort Worth International Airport and there are plenty of health care options offered by Texas General Hospital, a women’s hospital, and an emergency medical center.

  1. Harrisonburg, Virginia

Another ideal city to retire to in the United States is Harrisonburg. Harrisonburg is a welcoming town with a population of 52,500 people located in the legendary Shenandoah Valley. With its modest – sized college, Harrisonburg has a youthful vibe without the messy shenanigans of larger college towns.

The close – by Appalachian Mountains provide plenty of outdoor activities, while the city’s historical downtown area offers shopping and charm galore. The average cost of living is 4 percent lower than the national average and the median home cost is also lower than average at $180,125. There are also many hospitals to choose from, right in Harrisonburg.

  1. Lincoln, Nebraska

Lincoln is yet another beautiful city to retire to in the United States. This sprawling Midwestern city is a haven of parks, gardens, and interesting historical neighborhoods to live in and visit. Each hood has its own distinct flavor, with unique restaurants, bars, and entertainment.

The average home price is $167,000, and the town has two major hospitals and several outpatient clinics. With average winter temperatures above 20F, Lincoln offers a pleasant climate that lets you truly enjoy everything the city has to offer.

  1. Ocean Pines, Maryland

Ocean Pines is another lovely city to retire to in the U.S. Residents love life in squeaky clean, amenity – filled Ocean Pines. It’s a lovely place to relax and grow old, with its fresh air, welcoming beachfront and bay, and plethora of outdoor activities. From yachting to golfing to tennis, you can pick your leisure activity and walk or bike there.

Retirees will also benefit from the no state tax on Social Security income and the above-average number of doctors in the area. The average housing cost is a bit higher at $233,500, but residents swear that the warm community and great lifestyle is worth every penny.

  1. Bella Vista, Arkansas

Bella Vista which is relatively a small town is home to just 27,600 people and has amazing weather and lovely natural surroundings for active retirees. In addition to its 7 lakes, hardwood forests, and many walking trails, homeowners can also choose from several golf courses, swimming pools, tennis courts, and shooting ranges for low monthly fees. With an average home price of $102,000 and an average monthly rent of $895, Bella Vista is a truly affordable town to settle down as a retiree.

  1. Clemson, South Carolina

Clemson is yet another good city to retire to, the city is located just two hours from Atlanta, Georgia. Interestingly, Clemson is a growing college town and it is still an affordable place to retire. The average home selling price is currently about $180,000, but naturally pricing varies by neighborhood.

The west side of town is close to the college — home to the famous Clemson Tigers football team — so it’s both a livelier and louder part of town during the school year. Clemson is considered to be very friendly to newcomers and offers plenty of continued learning opportunities and a good tax base for retirees.

  1. Brevard, North Carolina

If your choice for a retirement city is a place that will help you get close to nature and at the same enjoy good weather, then Brevard is your best location. The city is sometimes called “the land of waterfalls,” the teeny town of Brevard has a mild climate and is surrounded by scenic mountains and natural spaces.

With a population of less than 8,000 people, you will definitely get to know your neighbors! This town offers many outdoor recreational activities, including fishing, hiking, and biking, as well as a small and friendly downtown area. Transylvania Community Hospital is the main health service provider nearby.

  1. Lawrence, Kansas

If you love trees, arts and nature as well, you should look towards retiring to Lawrence. An unexpectedly lush spot in the middle of dusty Kansas, Lawrence is a green and tree-filled town that’s growing very popular with retirees. With a population under 100,000, this relatively quiet college town has an energetic downtown, an art museum and theatre, and a farmer’s market. With its affordable average home prices of $143,000, snow-less winters, and hot summers.

  1. Savannah, Georgia

If you love walking around in a peaceful and serene environment, then you should consider retiring to Savannah. Known as one of the most beautiful cities in America, Savannah is a gorgeous town designed for pedestrian enjoyment.

With its mix of public squares, historical homes, and charming stores, the town is a popular tourist destination and home to a vibrant community of retirees. There are many cultural and natural attractions, and the weather ranges between mild and wet winters and hot, humid summers. In addition to the great atmosphere, Savannah is surprisingly affordable, with an average housing cost of $120,000.

  1. Boise, Idaho

Boise is yet another good city to retire to in the United States. Located along the Oregon Trail and nicknamed “the city of trees,” mid-sized Boise is a green and active place to retire. With a large selection of shopping and dining choices, walkable downtown Boise is a lovely place to spend the afternoon.

For the truly adventurous, Southwest Idaho is also home to mountains, canyons and whitewater rafting opportunities! The average home price is around $208,000, and there are several highly-rated hospitals in town.

  1. Athens, Georgia

If your retirement pay check is not on the high side and you still want to retire to a city with all the benefits that an average retiree should enjoy, then Athens – Georgia should be your destination. For a healthy dose of Southern charm and affordable living, you can retire in picturesque Athens, Georgia.

With just 120,000 residents, this friendly college town offers a warm climate without being stuffed to the gills with retirees like Florida. Although multiple neighborhoods have made it into the National Register of Historic Places, Athens maintains a youthful atmosphere and is known for its low cost of living, internationally famous music scene, and great golf, hiking, and other active pursuits in nearby state parks.

  1. Richardson, Texas

If part of your motivating factors in choosing a location for retirement is low crime rate, pretty good weather and excellent health care facilities for retirees, then Richardson should be your destination especially if you don’t mind the price. Richardson, Texas, has hot summers and mild winters, and this friendly city has a low crime rate.

The cost of living is a bit higher than some other cities on our list: you will need an income of around $72,000 to live comfortably here. Richardson is located near Dallas, so you will have big-city amenities while living in a small community of just over 100,000. Three hospitals and 15 medical centers ensure you will never be without healthcare when you need it.