Affordability of place to stay is important to retirees who are only earning the social security income. Most of the small towns in the United States have affordable living standards, friendly neighbors, and living standards that do not need a large retirement nest fund. These are 11 small towns that couples with Social Security alone can enjoy.
What are the Ideals about these Towns in terms of Social Security Retirees?
– Low Cost of Living: Housing, grocery, utilities, and healthcare costs are way below the national average.
– Affordable Housing: The cost of homes and rent enables couples to live comfortably on fixed incomes that are low.
– Access to Healthcare: Locality to hospitals and healthcare centers that are critical to the aged.
– Community and Safety: Senior social networks and low crime rates.
– Quality of Life: Recreation, nature, cultural facilities and mild climates.
11 Best Small Towns to Live in on Social Security as a Couple
1. McAllen, Texas
– So low cost of living and cheap housing and healthcare.
– Hot climate all year round and near the Mexican border to buy cheap stuff.
– Good Hispanic culture and rich community life.
2. Fort Smith, Arkansas
– Homes extremely cheaper than the rest of the country; median house prices of approximately 150,000.
– Availability of good health care institutions and an expanding arts community.
– Light retirement income state taxes.
3. Knoxville, Tennessee
– No income tax on social security and other retirement income by the state.
– Low cost housing and the closeness to the Great Smoky Mountains.
– Vitalized elderly populations and cultural destinations.
4. Pueblo, Colorado
– It is one of the cheapest cities in Colorado having mild winters.
– Low real estate taxes and cost of living that is approximately 10 percent less than the national average.
– There is a lot of opportunity in outdoor recreation.
5. Bowling Green, Kentucky
– A cheap cost of housing and general affordability.
– Civic neighborhood with healthcare services through the local hospitals.
– Diversified history and closeness to the Mammoth Cave National Park.
6. Lake Havasu City, Arizona
– Hot arid climate providing the ideal climate to retirees.
– No social security state tax.
– Retirement community that is active and has boating and outdoor activities.
7. Danville, Virginia
– very cheap housing; median house prices of less than 130,000.
– Small, historic town with arts-based and revitalization in the offing.
– neighborhoods with low crime and cooperative neighbors.
8. Clarksville, Tennessee
– There is no state income tax; low cost healthcare and housing.
– Could be near Nashville to be entertained but have the small town flavor.
– Good community of military retirees that has support services.
9. Joplin, Missouri
– Extremely cheap cost of living with median house prices of about $140,000.
– Availability of medical services and elderly services.
– Tight-knit community four season climate.
10. Albany, Georgia
– Low cost living in the South with a warm climate.
– Cheap housing and availability of regional medical centers.
– Diverse culture and nature.
11. Las Cruces, New Mexico
– Light rainfall of more than 300 days of sunshine per year.
– Cheap housing and free state tax on social security.
– Rich arts scene and closeness to natural sceneries.
Summary Table: Small Towns where Social Security Retirees can Afford
| Town | State | Key Benefits |
|---|---|---|
| McAllen | Texas | Very low cost of living, warm climate |
| Fort Smith | Arkansas | Affordable housing, low taxes |
| Knoxville | Tennessee | No state income tax, mountain access |
| Pueblo | Colorado | Affordable, mild climate, outdoor recreation |
| Bowling Green | Kentucky | Low costs, friendly community |
| Lake Havasu City | Arizona | No Social Security tax, warm desert climate |
| Danville | Virginia | Ultra-affordable housing, historic charm |
| Clarksville | Tennessee | No income tax, near Nashville amenities |
| Joplin | Missouri | Very low cost of living, four seasons |
| Albany | Georgia | Affordable Southern living, healthcare access |
| Las Cruces | New Mexico | Sunny climate, no Social Security tax |
FAQs
Q1: Is it possible that a couple living in these towns can live on Social Security alone?
Yes, at the average social security benefits of about $3,500-4,000 in monthly combined benefits, couples can make ends meet in these cheap places.
Q2: What states do not collect income tax on social security?
Tennessee, Texas, Arizona, and New Mexico are some of the states which do not levy tax on social security benefits, and thus they are appealing to retirees.
Q3: What do retirees consider important in selecting a town?
Target affordability of housing, access to healthcare, climate preference, and community support to the elderly.
