Affordable Cities for Social Security retirement: Dreaming of open spaces, mountains, or small historic towns in the West? Retiring there may feel expensive, but some lesser-known cities can make it possible. When planning retirement, it is important to think about your monthly income.
The average Social Security benefit for retired workers is about $2,000 per month. You might get more or less, have other income, or share expenses. The goal is to keep housing costs low while still enjoying a good lifestyle. Here are nine cities in the Western U.S. worth considering.
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9 Affordable Cities for Social Security retirement cities
Chico, California
- Average rent: $1,210
- Average home value: $455,712
Chico has a lower cost of living than most of California. It is 2% below the national average and 30% lower than the average California city. About 90 miles north of Sacramento, Chico is home to California State University.
The city is known for tree-lined streets and a focus on healthy lifestyles. Bidwell Park, one of the largest municipal parks in the U.S., is perfect for walking, biking, or enjoying nature. Downtown offers a variety of restaurants and entertainment. Health care is easily accessible, and the city has a warm, welcoming community.
Sheridan, Wyoming
- Average rent: $1,468
- Average home value: $434,105
Sheridan is ideal for anyone who loves rodeos and cowboy culture. The small city blends Western history with modern conveniences. You can visit art galleries, museums, or watch performances at the WYO Theater. Downtown has shops and historic buildings to explore aswell. Wyoming has no state income tax and does not tax Social Security income.
East Helena, Montana
- Average rent: $966
- Average home value: $430,945
East Helena is famous for it’s yearly rodeo and beautiful views of the Elkhorn Mountains. Mount Helena City Park offers trails with amazing scenery. The city has a relaxed feel, easy access to health care in nearby Helena, and a walkable downtown with shops, restaurants, and entertainment.
El Paso, Texas
- Average rent: $966
- Average home value: $228,887
El Paso, called the Sun City, has over 300 days of sunshine each year and beautiful mountain views. Dining options are many, crime rates are low, and health care includes a VA hospital. Outdoor lovers can enjoy hiking, camping, and birdwatching at Franklin Mountains State Park. The city has five downtown districts full of museums, shopping, and entertainment. El Paso offers a fun Southwest style for retirees.
Yakima, Washington
Average rent: $951
Average home value: $356,028
Yakima Valley is a top agricultural region known for orchards, vineyards, and wineries. The city combines nature with urban attractions. Downtown has theaters, shops, and restaurants. Farmers’ markets and museums are popular with locals and the walking trails, golf courses, and fishing spots are close by.
Ardmore, Oklahoma
- Average rent: $921
- Average home value: $157,950
Ardmore sits between Oklahoma City and Dallas. The Depot District has boutiques, restaurants, antique shops, museums, and a casino. Outdoor activities are available at Lake Murray State Park, including swimming, golf, and picnicking. Medical care is good, including a VA Clinic. Ardmore blends small-town charm with city conveniences, making it a comfortable place to retire.
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Butte, Montana
Average rent: $802
Average home value: $275,394
Butte is a small city at 5,538 feet above sea level, surrounded by mountains on three sides. The cost of living is 8% lower than the national average. The historic district has Victorian architecture, art galleries, antique shops, and restaurants. Outdoor activities include hiking, fishing, golf, and soaking in hot springs. Butte is perfect for retirees who want a relaxed lifestyle in a scenic area.
Alamosa, Colorado
- Average rent: $800
- Average home value: $312,824
Alamosa is in the San Luis Valley near Adams State University and Great Sand Dunes National Park. The park is an International Dark Sky Park, ideal for stargazing. Downtown has shops, hiking spots, and hot springs. Alamosa hosts arts and cultural events. Retirees can enjoy mountain views, wide-open skies, and quiet living.
Klamath Falls, Oregon
- Average rent: $745
- Average home value: $306,402
Klamath Falls is surrounded by lakes, rivers, and mountains, including Mount Shasta. Moore Park and the Link River Trail are good for walking and birdwatching. Downtown has museums, art galleries, and historic buildings. Summers are sunny and dry, and winters have snow that does not last long. Medical care is easily available, and local events keep the community active.
