As the golden years approach, many retirees are faced with the exciting opportunity to choose a new place to settle and enjoy their retirement. Are you tired of the city? Too much concrete for you? If you can, move now that all the responsibilities are gone.
With the freedom to explore different cities across the United States, Social Security retirees are seeking communities that offer an ideal blend of affordability, quality of life, and amenities that supply to their needs. These five American cities are perfect for retirees that rely only on Social Security checks.
Social Security Retirees Can Afford to Live in These US Cities
From the scenic coastlines to the charming small towns nestled in the heartland, these retirement havens offer unique experiences, cultural richness, and a welcoming atmosphere that beckons those in search of a peaceful and enjoyable retirement. We’ve made a shortlist of five locations where elders can afford to live in.

Jeffersonville, Indiana is one of the places where retirees can consider settling down. With a relatively affordable cost of living, the average monthly expenditures for retirees in this area amount to approximately $1,657.34. The 2022 average rent for a one-bedroom apartment is around $835.56, making housing costs reasonable. Additionally, Jeffersonville has a significant percentage of its population aged 65 and older, at 16%, which creates a retiree-friendly atmosphere. The city also boasts a livability score of 75, indicating a decent quality of life. When it comes to essentials, the monthly grocery cost for retirees is approximately $411.52, and the monthly healthcare cost is estimated to be around $410.26.
Shreveport, Louisiana is also a viable option for retirees looking for an affordable place to enjoy their morning coffees. With a monthly expenditure of around $1,637.09, it offers an average one-bedroom rent of $801.67. The city has a significant population of 65 and older residents, accounting for 17% of the total population. In terms of livability, it scores a respectable 65. Monthly grocery costs are estimated at $398.81, and healthcare expenses are approximately $436.61, making it a relatively budget-friendly choice for retirees.
Indiana and Louisiana are not for you? Well, maybe Cincinnati, Ohio could be a fantastic option for retirees seeking an inviting and affordable place to call home. With monthly expenses averaging around $1,629.13, including a reasonable one-bedroom rent at $795.22, it’s certainly budget-friendly. The city also boasts a welcoming atmosphere for older adults, with 13% of its population aged 65 and above. Cincinnati earns a livability score of 68, reflecting its overall quality of life. When it comes to day-to-day costs, you’ll find monthly grocery expenses to be approximately $427.73, and healthcare costs are estimated at $406.17.
Top Two Places for Retirees to Settle Down in America
With monthly expenditures averaging around $1,610.05, including a reasonably priced one-bedroom rent at $811.44, Lansing, Michigan is a budget-conscious choice. The city also embraces older adults, with 12% of its population aged 65 and above, fostering a welcoming community. Lansing scores a commendable 66 on the livability scale, indicating a decent quality of life. When it comes to daily expenses, expect monthly grocery costs to be around $399.25, and healthcare expenses to be approximately $399.36.
Finally, we’re back at Louisiana to take a look at the city of Lake Charles. It is an excellent destination in the United States for retirees looking to settle down. With a monthly cost of living averaging around $1,566.43, it offers affordability that suits retirees’ budgets. The average monthly rent for a one-bedroom apartment in 2022 is approximately $696.33, making housing quite reasonable. Plus, Lake Charles boasts a significant population of residents aged 65 and older, accounting for 16% of the community, which creates a welcoming and inclusive environment for retirees.