Summary
- The Midwestern United States offers diverse, affordable retirement options with charming small towns and bustling cities that cater to various interests and budgets.
- Des Moines, Lincoln, Topeka, Sioux Falls, Grand Rapids, Eau Claire, Springfield, Dubuque, Lawrence, and Mariemont are among the top Midwest cities that offer affordable living, vibrant communities, and plenty of amenities for retirees.
- From lower cost of living and access to recreational activities to friendly communities and tax advantages, these Midwest cities provide a fulfilling retirement experience without breaking the bank.
From charming small towns to bustling cities, the Midwest offers a diverse array of underrated destinations where a fixed budget can still yield a fulfilling retirement. Whether it's leisurely strolls through historic streets, local festivals, or savoring delectable cuisine, the heartland holds something special for everyone.
Embark on a journey to discover some of the best Midwest cities and towns that offer an affordable retirement to steer away from the hustle and bustle of urban life's hefty price tags, by opting for the warmth and allure of the Midwest. Let those golden years bloom in one of these midwest cities with affordable retirement offerings.
10 Des Moines, Iowa
Des Moines, Iowa, is the state's capital and its largest city, known for various fun activities, a peaceful atmosphere, and a diverse cultural scene. The city has a stable and growing economy, with industries ranging from finance and insurance to manufacturing and agriculture, with a cost of living 14% lower than the national average.
Iowans are known for their hospitality and welcoming nature, which creates a sense of community and belonging for the people moving to the area. The city also offers a wide range of recreational activities, including parks, nature trails, and outdoor events.
- Amenities available in Des Moines: Entertainment Venues, Museums, Public Parks, Healthcare Facilities, Shopping Malls, and Public Transport
Des Moines experiences all four seasons, with relatively mild winters and warm summers, allowing retirees to experience pleasant weather conditions throughout the year, contributing to their physical and mental wellness.
9 Lincoln, Nebraska
Lincoln, is the second-largest city in the state of Nebraska and is renowned for its vibrant atmosphere and affordability. The city offers a wide range of modern amenities at an average cost of living 8% lower than the national average.
Housing costs, including rent and property prices, are generally more affordable, compared to many other major cities in the United States.
- Amenities available in Lincoln: Public Transport, Healthcare Centers, Recreational Spaces, Art Galleries, Educational Institutes, and Community Services
Lincoln generally has a lower crime rate compared to larger cities, contributing to a sense of safety and security for its residents.
8 Topeka, Kansas
Topeka is the capital city of the state of Kansas (a popular winter destination), offering a blend of historical charm, modern amenities, and affordability.
The cost of living in the city is 7% lower than the other cities in the state and 18% less than the national average of the country, which makes it an attractive option for permanent residents on a budget.
Topeka is known for its friendly and welcoming community, which can help new residents feel at home and quickly integrate into the local culture. The city also provides community centers and senior services that promote a sense of community and offer various programs and activities for retirees.
- Amenities available in Topeka: Modern Infrastructure, Healthcare Facilities, Recreational Venues, Cultural Attractions, Public Transport, and Shopping Malls
Kansas, in general, has lower property taxes compared to other states, which can be advantageous for homeowners and retirees.
7 Sioux Falls, South Dakota
Sioux Falls, South Dakota, is one of the largest and most vibrant cities (with lots of fun touristy things to do) in the Midwest known for its friendly community and thriving economy.
The city has a cost of living that is 3% lower than the state average and about 17% less than the country average, with relatively affordable rent and home prices, making it easier for residents to find suitable and budget-friendly accommodations.
Sioux Falls consistently ranks high in various quality of life indices, reflecting its clean and safe environment, access to healthcare, and recreational opportunities.
Additionally, Sioux Falls generally experiences less traffic congestion compared to larger metropolitan areas, making travel more manageable and less stressful, particularly for older citizens.
- Amenities available in Sioux Falls: Airport, Public Transport, Recreational Venues, Affordable Entertainment, Shopping Malls, Restaurants, and Medical Clinics
South Dakota is known for its tax-friendly environment, including no state income tax and relatively low property taxes. This can be beneficial for retirees looking to maximize their income during retirement.
6 Grand Rapids, Michigan
Grand Rapids, Michigan, is the second-largest city in the state and offers a diverse and thriving community, and a vibrant arts scene.
The cost of living here is 2% lower than other cities in the state and 5% less than the national average, with the cost of housing 15% more affordable than other parts of the country.
The city boasts a thriving arts and cultural scene, with numerous museums, art galleries, and cultural events.
Grand Rapids' proximity to Lake Michigan also allows residents to enjoy the beauty of the lake and its beaches without the high cost of living associated with waterfront properties.
- Amenities available in Grand Rapids: Senior Support Services, Healthcare Facilities, Public Transport, Recreational Venues, and Shopping Centers
5 Eau Claire, Wisconsin
Eau Claire, Wisconsin, is a vibrant city surrounded by beautiful natural landscapes, including rivers, and forests, offering a unique small-town charm.
The cost of living index of the city is consistently ranked below the state and national average, including budget-friendly options for housing, healthcare, and utilities.
The city is home to various thriving industries such as healthcare, education, manufacturing, and technology, providing various employment opportunities.
Besides that, Eau Claire is a family-friendly city with many activities and attractions suitable for visitors of all ages, making it an inviting place for retirees to spend time with their families.
- Amenities available in Eau Clarie: Healthcare, Education, Public Transport, Recreation Parks, Cultural Attractions, Community Services, Shopping Malls, and Entertainment Venues
Eau Clarie has a growing and active senior community, with various clubs, groups, and organizations tailored to retirees' interests and hobbies, making it a perfect destination for retirement living.
4 Springfield, Missouri
Springfield is the third-largest city in Missouri that offers a blend of Midwestern charm, and a thriving economy. The cost of living in the city is 13% lower than the national average, ideal for retirees on a fixed income.
The city is surrounded by scenic beauty, including nearby lakes, forests, and hiking trails, which offer residents affordable opportunities for outdoor recreation and leisure.
Missouri generally has lower property tax rates compared to other big states, which is a plus for retirees looking to manage their expenses.
- Amenities available in Springfield: Healthcare, Education, Community Sevices, Public Transport, Shopping Mall, Outdoor Recreational Venues, and Entertainment Options.
The city also has various public libraries with free access to books, resources, and community events, offering affordable leisure activities specifically for older people.
3 Dubuque, Iowa
Dubuque, Iowa, is a charming city located along the Mississippi River in the eastern part of the state, offering a mix of historic architecture, and natural beauty, with an affordable lifestyle.
The cost of living in the city is 1% lower than the overall state and 10% less than the national average of the United States, making it easier for residents to afford a comfortable living without breaking the bank.
Dubuque has several medical facilities and hospitals, so residents have access to quality healthcare services.
The city's location along the Mississippi River and proximity to natural areas like the Mines of Spain State Recreation Area provide residents with affordable opportunities for outdoor recreation and leisure.
- Amenities available in Dubuque: Healthcare Clinics, Educational Institutes, Public Transport, Shopping Centers, Outdoor Spaces, Natural Trails, and Community Services
2 Lawrence, Kansas
Lawrence, Kansas, is a vibrant city located in the scenic Kansas River Valley, surrounded by rolling hills and natural beauty, in the northeastern part of the state. The cost of living in the city is almost 6% lower than the national average, making the lifestyle more budget-friendly than most cities in the country.
The city provides all the essential amenities, including grocery stores, pharmacies, and medical facilities, which are readily available to residents. The city experiences four distinct seasons, with relatively mild winters, cutting down on the expense of heating and cooling year-round.
- Amenities available in Lawrence: Hospitals, Public Transport, Art Galleries, Educational Institutes, Parks, Recreational Venues, and Shopping Districts
1 Mariemont, Ohio
Mariemont is a charming town located in Hamilton County, Ohio, in the Cincinnati metropolitan area( popular for its fun activities). It is known for its unique architecture, well-preserved historic character, and strong sense of community.
The cost of living in the town is slightly higher than the national average but the peaceful natural environment with a range of modern amenities contributes to its one of the most livable city status.
The town's layout features pedestrian-friendly streets, green spaces, and a central square, creating a welcoming and cohesive environment for residents.
Mariemont has a welcoming atmosphere and a strong sense of community, offering retirees involvement in local events, festivals, and organizations.
- Amenities available in Mariemont: Healthcare Facilities, Public Libraries, Parks, Community Pool, Shopping Malls, and Community Center
Mariemont generally has a low crime rate, which can offer retirees peace of mind.
These midwest cities are ideal for an affordable retirement, but careful planning should come before any big move.