Finding a place to retire on a budget doesn’t have to mean giving up warm weather or a comfortable lifestyle.
The Social Security Administration estimates the average Social Security benefit payment in January 2026 will be $2,071, making cities where living costs stay near $2,250 a month a smart choice for retirees.
Here are five cities that offer affordable living combined with year-round comfortable conditions.
El Paso, Texas
El Paso combines low housing costs with a dry desert climate, plus plenty of outdoor activities and local culture that means the city has a relaxed, livable feel. Texas has no state income, estate or inheritance taxes, making it an attractive option for retirees looking to make the most of their retirement funds.
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Tallahassee, Florida
Florida has long been a popular retirement destination, and while the climate is subtropical with hot summers and mild winters, the state sees its share of storms, especially during hurricane season, so retirees should be prepared. Florida’s lack of state income tax means residents keep more of their money, and Tallahassee’s accessible healthcare and wide range of services make it easy for seniors to live comfortably.
Fresno, California
Though California may not be top of the list when it comes to retiring on a budget, some cities, like Fresno, can offer affordable housing and living costs. Summers are generally hot and winters mild, making it a practical choice for retirees looking for great weather.
Tucson, Arizona
Tucson offers desert scenery and sunny days combined with affordable living. With winters that are easy on heating bills, it has a strong retiree community and plenty of outdoor activities that help residents stay active.
Sierra Vista, Arizona
This smaller Arizona city has a desert climate that stays mild, and general living expenses make it easier to stay under $2,250. It’s quiet, with outdoor spaces and a community-oriented feel.
Planning Around a Retirement Budget
For retirees looking to rent, finding a home for around $1,500 mark per month should be relatively easy. Many retirees already own their homes with no mortgage; according to U.S. Census Bureau-based analysis by ResiClub, about 64% of homeowners aged 65 and older own their homes outright. This gives even more room in the budget for entertainment and general living costs.
Editor’s note: Cost of living per person before rent from Livingcost.org. Average monthly rent from Zillow.
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This article originally appeared on GOBankingRates.com: 5 Cities Where You Can Retire in Great Weather for $2,250 a Month
