11 California Towns Where Couples Can Retire on Nothing but Social Security

If you're "California Dreamin'" of sun-drenched beaches, endless hours of sunlight, and beautiful coastlines, you've probably priced out homes in popular cities like Malibu, Los Angeles, and Newport Beach. However, if you are looking to stretch your Social Security check, know these locations are well out of reach.

But not all hope is lost. If you look beyond the bright lights and explore smaller towns, you'll find some affordable locations to make your dreams a reality.

Consider these 11 California towns where you can afford to retire on Social Security.

Editor's note: Unless otherwise noted, all data listed below on rent came from Apartments.com, and housing costs are sourced from Zillow.com.

Average rent: $1,292

Average home value: $386,275

Located in California's San Joaquin Valley, Fresno is centrally located to three of the most visited national parks in the region: Yosemite, Kings Canyon, and Sequoia. The city offers a rich cultural diversity, as well as numerous events and festivals throughout the year. There are also several art galleries and museums.

The cost of living in Fresno is 30.8% lower than the state average, making the city an affordable option for those wanting to relocate to California.

Average rent: $1,004

Average home value: $466,085

Rio Vista lies on the banks of the Sacramento River, making it a paradise for retirees who enjoy fishing, boating, and waterfront living. It's also just a short drive to Sacramento and San Francisco, so you have access to city amenities without the price tag.

The cost of living is 3% lower than the state average. Crime rates are also significantly lower than the national average, making it a safe place for retirees.

Average rent: $1,204

Average home value: $393,235

Bakersfield is home to more than 403,000 people, making it one of the more populous cities in the state. Located just north of Los Angeles, Bakersfield is where you'll find the California Living Museum and the Kern County Museum. Outdoorsy types can explore Hart Memorial Park, which has two lakes for fishing and hiking.

The cost of living is just slightly lower than the national average, but it's 33% lower than the state average.

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Average rent: $1,206

Average home value: $505,178

Grass Valley is a small town in the foothills of the Sierra Nevada mountain range. This quaint town is well-preserved, featuring museums, galleries, and unique shops. The surrounding mountains also offer endless opportunities for hiking and exploring.

Rent in Grass Valley is approximately 26% lower than the national average, making it a good choice for couples retiring on Social Security.

Average rent: $1,297

Average home value: $483,262

For those who prefer Southern California but without the high costs, San Bernardino is worth considering. Located in the foothills of the San Bernardino Mountains, the city is just minutes from resorts like Big Bear and Lake Arrowhead.

As far as costs of living go, San Bernardino prices are more expensive than the national average. However, when comparing other cities across the state, you can expect to pay less for groceries and other necessities.

Average rent: $1,045

Average home value: $388,162

Thanks to the Sacramento River, which bisects the city, Redding is a perfect location for outdoor enthusiasts. Residents also enjoy beautiful views of Mount Shasta in the distance. Sundial Bridge, which spans the river, is a pedestrian bridge offering convenient access to miles of trails that feature breathtaking waterfalls.

Compared to other California cities, Redding offers a cost of living that's 26% lower.

Average rent: $901

Average home value: $411,995

If you dream of living on the California coast, Eureka is an affordable spot that won't break the bank. This tight-knit community is characterized by its historic Victorian homes, majestic redwoods, and mild climate.

Rent is lower than the national average, and considerably lower when compared to the rest of the state.

Average rent: $1,150

Average home value: $363,845

Crescent City is located on the far northern tip of California's coastline. It's a small town with a rugged seashore and easy access to national parks. The beaches are quiet and ideal for a morning stroll. You can also opt for hiking in Jedediah Smith Redwoods State Park.

Unlike many California beach towns, Crescent City has a cost of living that's just about 7% lower than the national average. You'll also pay around 38% less for daily needs than you would in other cities throughout the state.

Average rent: $1,156

Average home value: $489,803

If big city life isn't for you, Arcata is a coastal town that might prove to be a perfect fit. You'll find hiking and biking at the Marsh and Wildlife Sanctuary. There's also plenty to see in the Arcata Community Forest and Redwood Park. The cultural scene generates a lively nighttime atmosphere, with drinks and music downtown.

Like many cities in California, the cost of living is generally higher than the national average. However, Arcata residents pay around 14% less for living costs than in other cities in the state.

Average rent: $733

Average home value: $210,376

Clearlake is known for being home to the largest body of freshwater in California. It provides a wealth of outdoor activities, including boating, fishing, swimming, water skiing, and hiking. Home to just over 16,600 people, Clearlake offers a slower pace of life, especially if you dream of lake living.

Aside from extremely low rental costs, Clearlake also has a cost of living that's 30% lower than the state average, so your Social Security check will go a long way.

Average rent: $1,072

Average home value: $288,773

Located approximately 60 miles southwest of Fresno, Coalinga is a solid choice for those looking for an affordable place to live in the Central Valley. The town is small enough that everyone knows everybody, and its convenient location offers access to a number of outdoor activities and city events.

You'll pay less in Coalinga for daily needs than in other cities across the state. Rent is also lower than the national average.

Retiring in California is extremely doable if you look beyond the big cities and into smaller communities where costs tend to be lower. These 11 cities offer a high quality of life, plenty of character, and the financial freedom to truly enjoy your retirement years.

For homeowners in California, the state's Proposition 13 limits property tax increases to 2% a year, regardless of changes in market values, making homeownership more affordable and a smart move for homeowners planning their future.