9 Warm-Weather Towns Where You Can Actually Live on Nothing but Social Security

If you're sensitive to cold and tired of shoveling snow, retiring to a warm-weather climate is an ideal option. Surprisingly, many small towns in warm climates offer low housing costs for those on a limited budget. For retirees who rely primarily on Social Security, every dollar matters — and choosing the right location can be just as important as building a solid retirement plan.

The following are nine balmy towns where you can enjoy excellent year-round weather while living on nothing but Social Security.

Editor's note: Unless noted otherwise, all information on apartment rentals comes from Apartments.com, and all home pricing data comes from Zillow.

Average rent: $1,340

Average home value: $264,718

With just over 53,000 residents, Pensacola is a smaller city located on the western panhandle near the Alabama border. Summers are hot and humid with highs around 90 degrees. Winters are mild with average lows around 42. Like many cities in Florida, Pensacola experiences a lot of rain every year, but snow is unheard of.

The cost of living in Pensacola is approximately 11% lower than the national average.

Average rent: $1,286

Average home value: $281,169

Winter Haven is another Gulf Coast city in Florida with above-average winter temperatures. Most golf courses, including the Cypresswood Golf & Country Club, are open year-round, as well as beach activities and several farmers' markets.

With the average rent at $1,286 a month and a low cost of living, Winter Haven is an affordable option for retirees.

Average rent: $1,321

Average home value: $460,670

Gulf Shores is a popular family destination because of its pristine white beaches and numerous activities. However, it's also an excellent option for retirees. Take a stroll at the Wade Ward Nature Park or rent a bike and tour the island. There's also a bird sanctuary and boat rentals for those who enjoy being outdoors.

The town has a low cost of living, meaning you'll pay less for groceries, health care, transportation, and other necessities.

Average rent: $1,179

Average home value: $313,567

St. Marys is the gateway to the Cumberland Island National Seashore. Located just north of Jacksonville, Florida, the city offers small-town vibes with big-city amenities. The historic district is home to several museums and a waterfront park, as well as numerous restaurants and shops to explore.

Summers are hot and humid, and winter temperatures are around 40 degrees, allowing you to enjoy the sunshine year-round.

Average rent: $858

Average home value: $244,352

Sebring is located in southern central Florida amidst a network of beautiful lakes. Winter temperatures rarely drop below 50 degrees, allowing you to enjoy the outdoors year-round. The city boasts a vibrant arts scene, complemented by opportunities for fishing, hiking, and watersports to stay active.

Rent and other necessities cost around 17% lower than the national average, making it easy for seniors to maintain a budget.

Average rent: $805

Average home value: $174,092

Wichita Falls is located along the northern border of Texas. While it's one of the coldest cities on the list, the city experiences mild winters with rare snowfall. Retirees have plenty to do in Wichita Falls: The park and recreation department offers the 50 Plus Zone, which schedules a wide variety of activities for those 50 and older.

Rent is approximately $800 per month, and the cost of living is around 24% lower than the national average.

Average rent: $754

Average home value: $249,694

Hot Springs has a population of just over 38,000. Winter temperatures range from 35 to 55 degrees, which is significantly warmer than those in states further north. The Garvan Woodland Gardens is one of the most popular places to visit, offering long walks and birdwatching.

Rent is less than $800 a month, leaving more than half of your Social Security for necessities, such as transportation, health care, and hobbies.

Average rent: $714

Average home value: $118,558

Natchez lies on the Mississippi River at the border of Louisiana. The average January low is around 34 degrees, but the town is almost always snow-free. Home to multiple Natchez Indian landmarks, there are plenty of historical sites to visit year-round.

Groceries, utilities, and housing are all very affordable, making it easy to stick to your budget and have money left for hobbies and interests.

Average rent: $675

Average home value: $465,541

Lake Havasu City is approximately an hour south of Las Vegas, making it an ideal destination for retirees who enjoy regular visits to the casinos. Summers can be extremely hot, but winter temperatures are mild. Lake Havasu City offers a variety of water sports to help keep you cool.

Both crime rates and housing costs are lower than the national average, making the city a popular spot for retirees.

When climate and cost of living are top priorities when you're relocating during your retirement years, there are multiple affordable options in some of the southern states. Each location on our list offers mild winters, warm summers, and a cost of living that can be managed on a Social Security income.

With thoughtful planning and the right choice of town, you'll be well on your way to a more enjoyable, stress-free retirement.