8 European Cities Where Couples Can Live on Social Security Alone

Retiring to Europe can be a dream for many couples. Romance, adventure, and seriously stunning sights all beckon. But did you know there are some European cities where you can live on just your Social Security?

The current monthly Social Security benefit hovers around $4,100 for a couple, and the cost of living in some areas of Europe is lower than you might think. This can help you avoid draining your retirement savings. 

Take a look at these eight beautiful European cities where you can live for less and enjoy a little more culture in your golden years.

Editor's note: Housing costs are for one-bedroom apartments located outside of city centers, sourced from Numbeo.

Average rent: $415

Average apartment price per square foot: $194

Old Town Riga is a UNESCO World Heritage Site and is packed with things to do and see. From medieval architecture to bustling markets, Latvia's capital offers historic charm with modern conveniences. A third of the country's population lives here, and it's also a top retirement spot for Americans.

The cost of living is also on the lower end, as it's estimated that a couple would need just under $2,000 a month for essentials such as food, transportation, and utilities. With low rent prices, you should have plenty left over for exploring everything this unique city has to offer.

Average rent: $602

Average apartment price per square foot: $289

The most visited city in Serbia is easily walkable and balances traditional culture in the Bohemian areas like Skadarlija with modern dining and active pursuits like water sports. The cost of living here is just as thrilling, with daily expenses for a couple averaging out at $1,574 per month.

The catch? Foreign nationals have to purchase property to qualify for residency. However, there are no price limitations on this regulation.

Average rent: $604

Average apartment price per square foot: $328

Greek culture prizes philoxenia, the art of hospitality, and Athens is no exception. There are thousands of American expats in Athens, thanks to low crime rates, affordable dining, and how easy it is to explore the city on foot.

Emigrating to Athens means you get to enjoy over 2,700 hours of sunshine every year. Plus, there's the allure of Greek food, from tender soutzoukakia (meatballs) to hearty meat stews like stifado.

Average rent: $670

Average apartment price per square foot: $331

With top attractions like Jelačić Square and Dolac Market within easy reach of each other and affordable everyday costs, Zagreb is a popular city with expats. Applying for residency is relatively easy, with permanent residence status granted after five years.

One expat says she absolutely adores the cafe culture and how safe a city Zagreb is to live in.

Average rent: $696

Average apartment price per square foot: $203

Bari is the capital of the Italian region of Puglia. Yes, where the good wine comes from. As well as exquisite wining and dining, retirees to this beautiful coastal city can enjoy a warm climate, walkable historic sights, and a good health care system.

Plus, Bari offers excellent transport links to Croatia, so you can broaden your European adventures.

Average rent: $777

Average apartment price per square foot: $445

Love the idea of Croatia, but put off by the high cost of living in Dubrovnik? Split is a superb alternative. It's another Croatian coastal city, packed with culture and history, and it's only a short trip away from the famous Dubrovnik if you want to explore further afield.

Split already has a fantastic expat community, and there's plenty to do, including exploring Diocletian's Palace (a UNESCO World Heritage Site), relaxing on Bačvice Beach, or hiking Marjan Hill.

Average rent: $924

Average apartment price per square foot: $381

From the Old Town Market Square to the sprawling Royal Łazienki Park, there's something to see on nearly every street in Warsaw. A reliable public transport system makes it easy to get around, plus much of the city is walkable.

With great health care and a low cost of daily living (around $1,900 per month for a couple, excluding rent), Warsaw is a desirable spot for many couples to retire to.

Average rent: $973

Average apartment price per square foot: $693

The most expensive city on this list still allows you to enjoy life as a couple for under $2,000 a month minus rent. That leaves money for experiencing Prague's many historical sites or unique adventures like a couple's beer spa.

One couple who moved to the city says it's easy and joyful to walk around, with something new around every corner. They also love the accessible health care system, which can help you keep more cash in your wallet, and how safe the city feels, even in poorer areas.

Around 27% of Americans rely entirely on their Social Security checks. Moving to one of these exciting European cities could help you stretch your retirement dollars a little further.

Just as immigration plays a critical role in boosting Social Security, so can your move to Europe. You'll likely contribute to and become an integral part of a thriving community, making new connections and discovering new adventures. Plus, you may even have spare cash left over thanks to the lower cost of living.