If you're a retiree, finding an affordable city with great weather that is well within your monthly fixed income might feel like a tall order.
For a monthly budget of $2,000, you'd want to keep your housing costs under $1,500 per month. This ensures that you still have enough money in your budget to cover other living expenses. So, what do you say? Are you ready to start planning for your golden years in a beautiful and affordable city with great weather to match?
Here's a look at seven great weather cities in the U.S. to retire on a budget of $2,000 or less.
Editor's note: All average monthly rent data comes from Apartments.com, while average home value data was drawn from Zillow.
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Tucson, Arizona
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Average Monthly Rent: $994
Average Home Value: $326,061
Known for its unique Sonoran Desert landscape, Tucson offers retirees more than 300 days of sunshine each year with mild winters. While summers can be hot, the city's desert setting brings low humidity and cooler evenings, and plenty of opportunities to enjoy the outdoors year-round.
Retirees can explore scenic desert trails, sample a nationally recognized food scene, and take advantage of cultural gems like the Arizona-Sonora Desert Museum. With affordable housing and a relaxed pace of life, Tucson makes it easy to stretch a fixed income without sacrificing sunshine or adventure.
Eugene, Oregon
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Average Monthly Rent: $1,432
Average Home Value: $473,430
Located in Oregon's Willamette Valley and just 110 miles from Portland, this bustling city in the Pacific Northwest provides retirees with a temperate climate. Winters bring rain rather than harsh snow, making it a comfortable year-round choice for retirees to enjoy during their golden years.
Eugene is a hub for outdoor living, with access to rivers, wineries, biking trails, and the Cascade Mountains just a short drive away. This city is well-suited for retirees seeking a balance between urban amenities and the natural beauty that Oregon has to offer.
Norfolk, Virginia
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Average Monthly Rent: $1,315
Average Home Value: $305,330
Nestled in the southeastern corner of the state at the mouth of the Chesapeake Bay, Norfolk is a vibrant port city that isn't plagued by weather extremes. Winters rarely dip below freezing temperatures, while the nearby Atlantic Ocean slightly cools warm summer days.
The city offers a variety of activities, from numerous annual festivals and parades to the nationally acclaimed Chrysler Museum of Art. For those who prefer nature, Norfolk has plenty of city parks and public beaches, as well as the year-round Norfolk Botanical Garden. And with a cost of living 6.3% lower than the national average, it's easy to live a comfortable life on a fixed income.
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Farmington, New Mexico
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Average Monthly Rent: $903
Average Home Value: $269,676
At an elevation of 5,306 feet, Farmington enjoys a high-desert climate. With four gentle seasons that are perfect for retirees searching for great weather, this city is located in the northwest corner of New Mexico.
With the Navajo Reservation located west and southwest of Farmington, the city is rich in Native American and frontier history. Another perk for retirees is that health care is the largest employment sector in the Farmington area. This means you won't have to worry about travel costs to receive the care you need.
Sebring, Florida
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Average Monthly Rent: $860
Average Home Value: $239,002
Located in Central Florida, Sebring is the place to go if you want to bask in subtropical warmth. With mild winters, endless sunny days, and a cost of living that is 17% lower than the national average, this city is a standout retirement spot.
Sebring is an ideal Florida city for retirees who love spending time outdoors. From boating and fishing to hiking and golfing, retirees can thrive amid a peaceful lakeside community that feels like a year-round vacation.

Hot Springs, Arkansas
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Average Monthly Rent: $786
Average Home Value: $245,450
Located in the Ouachita Mountains of Arkansas, Hot Springs offers retirees the chance to enjoy a humid subtropical climate at an affordable price. When residing in Hot Springs, retirees can look forward to typically mild winters and warm summers.
This retiree oasis is world-famous for its thermal waters, with therapeutic baths and entry to historic bathhouses. In addition, this affordable retirement city offers opportunities to hike, enjoy art galleries, and sip local wines in a location that boasts significant wellness appeal.
Lawton, Oklahoma
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Average Monthly Rent: $715
Average Home Value: $134,970
Located in southwest Oklahoma, Lawton offers retirees a temperate semi-arid climate with hot summers and mild winters. With Lawton's cost of living being 25.3% lower than the national average, it proves to be an ideal city for retirees to skip out on those chilly, snow-packed winter days.
Set against gently rolling prairies and the Wichita Mountains, this city is perfect for maintaining active lifestyles through various pathways and hiking trails. Plus, retirees have the chance to delve into regional history at the Museum of the Great Plains, or embrace local culture at the Arts for All Festival.
Bottom line
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If we've learned anything today, it's that retiring comfortably doesn't have to mean giving up good weather or an active lifestyle. These seven U.S. cities prove that it's possible to enjoy sunshine, community, and cultural perks while staying within a fixed monthly budget.
According to the Social Security Administration, the average monthly benefit for retired workers is around $2,000. That means it's more important than ever to find retirement cities that will allow you to stretch your fixed monthly income further. Luckily, these cities prove that living within your means doesn't have to mean sacrificing your golden years.
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