13 Small Towns Where Couples Can Live on Nothing but Social Security

For couples who are ready to retire at the age of 67, the average household Social Security benefit is just over $3,800. Depending on where you choose to live, this amount can pay rent and still leave you with enough money to cover other household expenses, plus a few extras. 

We put together a list of affordable towns across the country where you can retire comfortably.

Consider these 13 small towns where Social Security provides enough money to live on.

Editor's note: All average rent and home prices come from Zillow.

Average rent: $634

Average home price: $154,105

Raton is in northeast New Mexico, approximately six miles from the Colorado border. The cost of living is approximately 23% lower than the national average, meaning a family can live comfortably on around $2,130. Quiet and slow-paced, Raton offers local parks and community centers, with plenty of fresh air and beautiful scenery.

Average rent: $1,373

Average home price: $291,058

The cost of living in Hickory is 11% lower than the national average. The cost of health care is also 7% lower than the U.S. average, making it easier to stretch your retirement dollars. The city has six recreation centers and two senior centers, providing a strong retirement community.

Average rent: $1,100

Average home price: $273,612

Green Bay is the oldest city in Wisconsin. It's home to the Green Bay Packers football team and has many sights of interest, including a botanical garden, a wildlife sanctuary, and multiple parks. The cost of living is 10% lower than the national average, with plenty of affordable housing options.

Average rent: $1,400

Average home price: $284,059

Huntsville is the most populous city in Alabama. Located in the northeast corner of the state near Tennessee, Huntsville is home to several Fortune 500 companies, retail shops, and recreational areas. The cost of living is around 9% lower than the national average, and rent is less than half of the average Social Security benefit.

Average rent: $1,700

Average home price: $325,342

The average rent in the United States is around $2,100 a month, making Lexington a reasonably priced living option. It was listed as one of the most affordable cities to retire in 2025 by Forbes. Retirees enjoy low crime rates, excellent air quality, and quality health care. The city is walkable, so you could get by without the expense of a car.

Average rent: $1,495

Average home price: $254,771

The cost of living in Columbus is 5% lower than the national average, making it an affordable option for Ohio residents. Seniors in Ohio may also qualify for a senior citizens credit for those 65+ who have an income of no more than $500.

Average rent: $1,797

Average home price: $462,129

While Bel Air is one of the most expensive cities on the list, the cost of living is 3% lower than the state. Crime rates are low, the walkability score is high, and the city is centrally located to Washington D.C., Baltimore, and Philadelphia, so there's plenty to see and do.

Average rent: $1,365

Average home price: $264,803

Located on the far southern tip of Nevada and just 90 miles south of Las Vegas, Laughlin offers plenty of slots and tables for seniors who enjoy recreational gambling. Affordable housing and a slower pace make this city a haven for retirees. There are also watersports on the Colorado River and lots of golfing. The cost of living is 14% lower than the national average.

Average rent: $900

Average home price: $205,423

If you want to live in a small town where everyone knows your name, you should consider Jamestown, North Dakota, with a population of just over 15,800. In addition to affordable housing, retirees can expect to pay approximately 19% less than the national average for health care, food, transportation, and taxes.

Average rent: $2,895

Average home price: $362,108

If you've ever dreamed of retiring in the sunny state of Florida, Punta Gorda has the reputation of being one of the most affordable destinations on the southern Gulf. The city offers warm year-round temperatures, plenty of outdoor activities, and it's just minutes from Gulf beaches.

Average rent: $1,500

Average home price: $236,146

The cost of living in Rochester is 1% lower than the national average. It's one of the most cost-effective options for the state of New York. Located in upstate New York along the shore of Lake Ontario, Rochester has multiple services for seniors, including a community center with exercise programs, computer classes, music, and arts and crafts.

Average rent: $1,795

Average home price: $471,295

The state of Washington is known for its high prices and expensive rent. However, Richland has a cost of living that's 3% lower than the national average and housing options that are around 12% lower. Located in the southeast along the Columbia River, Richland is ideal for seniors who enjoy being outdoors.

Average rent: $1,400

Average home price: $275,782

Located approximately an hour and a half south of Pittsburgh, Morgantown is one of the most affordable cities on the list. Housing is around 27% lower than in the rest of the country. Retirees can also expect to pay less for food, clothing, and groceries, leaving more money for hobbies and interests.

Choosing the best place to retire isn't always about available amenities; it's also about numbers. However, these 13 towns prove there are plenty of locations throughout the United States that offer both. With a little research, an affordable and stress-free retirement is out there.

In addition to affordable housing, you can also stretch your retirement income by taking advantage of senior discounts, downsizing, and researching local assistance programs.