The Bottom Line: Where Your Social Security Goes Furthest
Retirement affordability is not just about the size of your Social Security check — it’s about where you choose to cash it. The 25 cities on this list prove that with the right location, $1,976 per month is not just survivable. It’s genuinely livable.
The cities with the greatest financial margin — where Social Security covers rent and leaves the most room for everything else — are concentrated in the Midwest and South: Toledo, Wichita, Altoona, Evansville, and Fort Wayne stand out as the strongest pure-value options.
For retirees who prioritize climate and outdoor recreation, Knoxville, Fayetteville, Roanoke, and El Paso offer compelling alternatives. And for those who want zero-tax environments, South Dakota (Sioux Falls) and Texas (Amarillo, Lubbock, El Paso, Corpus Christi) eliminate state income tax entirely.
Before making any relocation decision, visit your top candidates in person. Spend time in the neighborhoods, visit local healthcare providers, and talk to current residents. And consider consulting with a financial advisor to model how your complete retirement income — Social Security, any pension, savings withdrawals, and investment income — will interact with a new state’s tax environment.
The right city for your retirement is out there. These 25 are an excellent place to start.
We live in Las Vegas and need a place that includes utilities and cable. Me and my husband make $38,000 a year and now pay $1000 a month just making it. We need to be out of here by January 2027.
I don’t believe you’ll find any place that pays for cable. Some places pay for water but not gas and electric.
Is Mazatlan Mexico a good option???
I’m in Lakeport Ca I can’t recommend it if you rent good luck finding a good honest landlord. Gas is expensive 5.79 a gallon. Not much to do and some people are strange just like most places I guess. I’m trying to get out asap but where? Please advise 🙏.
I can’t even read the article! All I see are a bunch of ads and links that go to more ads. I see Toledo and that’s it. So where’s the other 24?!
Thank u for this list. I am 59 and want to retire at 62. Can you please send me an updated list in 2 years? Thank you!
Idaho, western states?
You don’t need cable. Just get WI-FI and you can buy a Super Box for about $300.00. This device is capable of streaming tv regular channels, movies and sports. It seems to me that with 38000 a year minus 12000 for rent.-leaving you about 26000 for all other expenses, you should be able to make it. Unless you are gambling your $$ away!
Looking for apartments in the Orlando, FL and surrounded area
Me too. Where’s the rest of the article just more adds. WTF!!!!!
There is not a city in the USA that doesn’t tax our social security. Some states do not take taxes out of each monthly check, but when you file your federal taxes, you must include your total SS benefits on your federal form and IF you also have a pension or any other income coming in, SOME percentage of your SS will be added to that total and taxes will be calculated on that amount. They’re going to get their money one way or another because our government is greedy!
Go up to where there are a bunch of numbers in boxes…. those are the other cities.