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45 Affordable Retirement Towns: 1, #1
By Kris Kelley
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UPDATED September, 2021! Looking for great places to retire on a budget? A warm seaside town? A cozy mountain hamlet? A relaxing lakeside locale? Here we have 45 U.S. towns with living costs below or equal to the national average, as determined primarily by housing costs. These towns also have safe neighborhoods, recreational areas and/or cultural amenities, nearby accredited medical facilities and more. Included are each town's population, climate, percentage of people age 45 or better, cost of living, median home price, political leanings, public transit availability and even drawbacks (because no place is perfect). Reviews are short and to the point for quick reading.
Author
Kris Kelley
Kris Kelley lives in beautiful Colorado has been finding and reviewing great places to retire since 2006. She is an avid traveler, always looking for that hidden gem of a town, whether it be along an ocean, in a desert or on a mountaintop.
Read more from Kris Kelley
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45 Affordable Retirement Towns - Kris Kelley
45 Affordable Retirement Towns
Best U.S. Towns for Retirement on a Budget
Written and Edited by Kris Kelley
Copyright © 2015-2021 by Webwerxx, Inc.
All rights reserved. No part of this publication may be reproduced in any way without the express written consent of Webwerxx, Inc.
Notice
This publication contains information from numerous sources. Great effort went into verifying the accuracy of the information in this book, but some information, particularly median home prices and cost of living numbers, may have changed since publication. As a result, Webwerxx, Inc. cannot guarantee the accuracy of the content contained within this publication.
Cost of living numbers are primarily determined by housing prices but also include medical, transportation, food, utilities and taxes. For simplicity’s sake, population numbers and home prices have been rounded off.
Cover Image: © tasia12/123RF.COM
Table of Contents
Introduction
Spanish Fort, Alabama
Apache Junction, Arizona
Casas Adobes, Arizona
Sahuarita, Arizona
Yuma, Arizona
Fayetteville, Arkansas
Grand Junction, Colorado
Beverly Beach, Florida
Carrabelle, Florida
Floral City, Florida
Lakeland, Florida
North Port, Florida
Palm Bay, Florida
Riverview, Florida
Ruskin, Florida
Tavares, Florida
Athens, Georgia
St. Marys, Georgia
Idaho Falls, Idaho
Ankeny, Iowa
Elizabethtown, Kentucky
Morehead, Kentucky
Murray, Kentucky
Hernando, Mississippi
Laughlin, Nevada
Mesquite, Nevada
Banner Elk, North Carolina
Beaufort, North Carolina
Jamestown, North Carolina
Norman, Oklahoma
Mechanicsburg, Pennsylvania
Mount Joy, Pennsylvania
Goose Creek, South Carolina
Irmo, South Carolina
Lexington, South Carolina
Northlake, South Carolina
Port Royal, South Carolina
Loudon, Tennessee
Sewanee, Tennessee
White House, Tennessee
Canyon, Texas
Conroe, Texas
Nacogdoches, Texas
Christiansburg, Virginia
Harrisonburg, Virginia
Introduction
Great places to retire exist throughout the United States, but many of these places are expensive and out of reach for the average American. Many retirees are seeking towns where their budget will stretch further. A less expensive town, however, must have more than just low or average living costs.
Any town considered as a retirement destination should also have well-tended neighborhoods, recreational and/or cultural amenities, a local or nearby public library, a low or average crime rate, local or nearby accredited medical facilities and a welcoming quality that makes it a desirable place to live.
It is worth noting that housing prices have greatly increased in the last year or two, and affordable
means different things to different people. These 45 towns, however, meet the above criteria and have a cost of living below or equal to the national average as determined primarily by housing costs. No one town is perfect, however, so we also look at each town's drawbacks.
Generally, the South and the Midwest are the most affordable regions of the United States. Most of the towns included in this book are in these regions, and most of the towns are in states that are considered tax-friendly for retirement. The few towns that are in less tax-friendly states may have living costs low enough to offset the higher taxes.
For simplicity’s sake, housing prices and population numbers are rounded off.
Alabama
Spanish Fort, Alabama
Inviting Spanish Fort sits across the bay from Mobile on Mobile Bay's eastern shore. It has a history that reaches back to 1712 and today is primarily residential.
Neighborhoods have wooded lots, small ponds and well-kept brick ranch ramblers and raised ranch ramblers. The town's five boat ramps all have access to the bay or lower delta, and local piers are popular with bank anglers.
A boardwalk trail snakes through the wetlands of Meaher State Park, and Blakeley State Park maintains old breastworks and fortifications from Spanish Fort's early days. The Five Rivers Resource Center sits on acres of cypress-tupelo swamp and hardwood bottomland, and the new Spirit Park has walking paths and tennis courts.
High school sports are a town highlight, as the high school football and baseball teams have been state championships in recent years.
Eastern Shore Centre is a regional shopping hub and lifestyle center,
with Belk, Dillard's, World Market, Barnes and Noble, Bed, Bath and Beyond and more (Publix is across the street).
Population: 8,800 (city proper)
Percentage of Population Age 45 or Better: 42%
Cost of Living: 8% below the national average
Median Home Price: $340,000
Climate: Summer temperatures are in the 80s and 90s, and winter temperatures are in the 40s and 50s. On average, the area receives 65 inches of rain per year.
At Least One Hospital Accepts Medicare Patients? No, but Thomas Hospital in Fairhope, about 12 miles away, accepts Medicare patients.
At Least One Hospital Accredited by Joint Commission? No, but Thomas Hospital in Fairhope, about 12 miles away, is accredited.
Public Transit: No
Crime Rate: Meets the national average
Public Library: Yes
Political Leanings: Very, very conservative
Is Alabama Considered Tax Friendly for Retirement? Yes
Cons: The tornado risk is 77% higher than the national average, and hurricanes are always a possibility.
Notes: Spanish Fort has grown by 20% during the last decade.
Arizona
Apache Junction, Arizona
Tucked into a corner of the Superstition Mountains about 35 miles to the east of downtown Phoenix, modest, sun-soaked Apache Junction grew up around the intersection of the Apache Trail and U.S.
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