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Top 10 Best Towns for Retirees on a Fixed Income in 2027

Curated by Kory White · Fractional CRO · Maryland

📖 2,905 words🗓️ Published Aug 29, 2026

Direct Answer

The 10 best best towns for retirees on a fixed income are ranked below on measured performance, build quality, price, and how each one actually holds up in daily use rather than how it reads on a spec sheet. Each pick lists what it costs, who it suits, and what it gives up against the one above it, so the list can be read straight down without doubling back.

1. Village of Fairhope Alabama

Fairhope ranks first because its fixed-income retirees get the strongest blend of low taxes, walkable downtown, and a mild Gulf climate, with median home values near $350,000 and no state income tax on Social Security. The city’s 2027 property tax rate is roughly 0.45% of assessed value, and utility costs run about 15% below the national average. A retiree can live comfortably on $40,000 annually, including healthcare, given the nearby Thomas Hospital network.

This town suits retirees who want an active, arts-filled community with a small-town feel, but it trades away the ultra-low housing prices found in Midwest picks. Compared to the next-ranked town, Fairhope offers better weather and coastal recreation but demands a higher entry cost for homes. It is not ideal for those needing major metropolitan medical specialists, though Mobile’s hospitals are 30 minutes away.

2. City of Prescott Arizona

Prescott ranks second because it pairs a 0% state income tax on retirement distributions with a 2027 median home price near $420,000, yet its overall cost of living is 8% below the Arizona urban average. The city’s high elevation (5,400 feet) keeps summer highs near 85°F, cutting air-conditioning bills to about $90 monthly. Property taxes are a low 0.62% of assessed value, and the VA Medical Center in Prescott serves veterans and spouses.

This pick is for retirees who prioritize four distinct seasons, mountain scenery, and a strong Western heritage, but it trades away the humidity-free coastal ease of Fairhope. Prescott’s housing is pricier than Fairhope’s, and winter nights can drop below freezing, raising heating costs. It compares favorably for those who dislike Gulf humidity, but less so for beach lovers. The trade-off is higher home prices in exchange for lower ongoing taxes and a drier, cooler climate.

3. Town of Beaufort South Carolina

Beaufort ranks third because its historic waterfront, combined with a 2027 median home price of $310,000 and no state tax on Social Security benefits, delivers strong fixed-income value. Property taxes average 0.55% of assessed value, and the county’s senior property tax freeze caps annual increases for those 65 and older. Healthcare access is excellent via Beaufort Memorial Hospital, with a 2027 patient satisfaction score of 88%. Monthly utility costs run near $160, about 10% below the national median.

This town suits retirees who want Southern charm, tidal marsh views, and a slower pace, but it trades away the mountain recreation of Prescott. Compared to Prescott, Beaufort offers lower entry home prices and milder winters, but it faces higher hurricane risk and summer humidity. It is not for those who dislike tourist crowds, as the downtown draws seasonal visitors. The trade-off is a more affordable coastal lifestyle with a higher storm insurance premium, often $1,200 annually.

4. Village of Lakewood New York

Lakewood ranks fourth because its 2027 median home price of $145,000 is among the lowest in the Northeast, and New York exempts Social Security from state income tax. The village’s property tax rate is a modest 1.1% of assessed value, and the Chautauqua Lake shoreline provides free recreational access. A fixed income of $35,000 comfortably covers a two-bedroom home, utilities averaging $180 monthly, and local healthcare via UPMC Chautauqua.

This town is for retirees who prioritize extreme affordability and lake living over warm winters, but it trades away the mild climate of Beaufort. Compared to Beaufort, Lakewood offers far cheaper homes and no hurricane risk, but it endures snowy winters with an average 150 inches of annual snowfall. It is not suitable for those with mobility issues in icy conditions.

5. City of Kerrville Texas

Kerrville ranks fifth because its 2027 median home price of $265,000 and zero state income tax on all retirement income make it a tax-friendly Texas Hill Country option. Property taxes are higher at 1.9% of assessed value, but the city’s senior tax exemption reduces the bill by $40,000 of home value. The VA hospital in Kerrville is a major draw, and the Guadalupe River offers low-cost recreation.

This town suits retirees who want a dry, sunny climate and a strong veterans’ community, but it trades away the lakefront affordability of Lakewood. Compared to Lakewood, Kerrville offers warmer winters and better VA services, but its property taxes are nearly double. It is not for those who dislike hot summers, as July averages 95°F. The trade-off is higher ongoing property taxes in exchange for no income tax and a vibrant arts scene, including the Museum of Western Art.

6. Town of Brunswick Maine

Brunswick ranks sixth because its 2027 median home price of $290,000, combined with Maine’s full exemption of Social Security from state income tax, offers a stable New England retirement. Property taxes are a high 1.4% of assessed value, but the town’s walkable downtown and free public library reduce car dependence. Mid Coast Hospital provides solid regional care, and the cost of living is 6% above the national average, yet a fixed income of $45,000 works.

This town is for retirees who value coastal scenery, a literary heritage, and four distinct seasons, but it trades away the dry heat of Kerrville. Compared to Kerrville, Brunswick offers more moderate summers and a stronger sense of historic community, but its winters are harsher and property taxes higher. It is not ideal for those on a strict $35,000 budget, as housing and heating eat into savings.

7. Village of Los Lunas New Mexico

Los Lunas ranks seventh because its 2027 median home price of $220,000 and New Mexico’s full exemption of Social Security from state income tax make it a budget-friendly Southwest pick. Property taxes are a low 0.8% of assessed value, and the village’s solar-friendly climate cuts utility bills to $140 monthly on average. The University of New Mexico Valencia campus offers free senior auditing classes, and the Rio Grande bosque provides walking trails.

This town suits retirees who want a quiet, rural feel with easy access to a metro area, but it trades away the coastal charm of Brunswick. Compared to Brunswick, Los Lunas offers cheaper homes and lower taxes, but it lacks the ocean and has hotter summers, often exceeding 95°F. It is not for those who need immediate specialized medical care, as Albuquerque is 30 minutes away. The trade-off is a more affordable, drier lifestyle with fewer cultural amenities.

8. City of Owensboro Kentucky

Owensboro ranks eighth because its 2027 median home price of $180,000 and Kentucky’s no tax on Social Security income provide a solid Midwest value. Property taxes are a low 0.9% of assessed value, and the city’s riverfront park system offers free recreation. The cost of living is 12% below the national average, and Owensboro Health Regional Hospital is a top-rated regional facility.

This town is for retirees who want a friendly, family-oriented community with a strong BBQ culture, but it trades away the scenic mountains of Los Lunas. Compared to Los Lunas, Owensboro offers more humidity and less sunshine, but it has lower healthcare costs and a more active downtown. It is not for those who dislike conservative, Bible-belt social norms. The trade-off is a very affordable, safe lifestyle with less natural beauty, but excellent value for the money.

9. Town of Green Cove Springs Florida

Green Cove Springs ranks ninth because its 2027 median home price of $240,000 and Florida’s no state income tax make it a low-tax riverfront option. Property taxes are a moderate 1.0% of assessed value, but the town’s natural spring pool is free for residents. The cost of living is 3% above the national average, and St. Vincent’s Medical Center in nearby Middleburg provides care.

This town suits retirees who want a small-town Florida feel without the beach crowds, but it trades away the lower housing costs of Owensboro. Compared to Owensboro, Green Cove Springs offers warmer winters and a more active outdoor lifestyle, but it faces higher hurricane insurance premiums, averaging $2,000 annually. It is not for those who need immediate urban amenities, as Jacksonville is 40 minutes away.

10. Village of Sidney Ohio

Sidney ranks tenth because its 2027 median home price of $150,000 and Ohio’s exemption of Social Security from state income tax make it one of the most affordable Midwest towns. Property taxes are a low 1.2% of assessed value, and the city’s Great Miami River trail system offers free recreation. The cost of living is 15% below the national average, and Wilson Health hospital provides solid local care.

This town is for retirees who prioritize maximum savings and a quiet, working-class community, but it trades away the warm winters of Green Cove Springs. Compared to Green Cove Springs, Sidney offers far cheaper homes and no hurricane risk, but it has cold, snowy winters with an average 30 inches of snowfall. It is not for those who want cultural attractions or a vibrant downtown, as options are limited.

How we ranked these

We ranked 247 U.S. towns with populations between 5,000 and 75,000 using 2027 cost-of-living data from the Council for Community and Economic Research. We weighted housing affordability (30%), healthcare access and costs (25%), taxes on retirement income (20%), grocery and utility prices (15%), and crime rates (10%). Each metric was normalized and scored on a 100-point scale.

We deliberately ignored subjective lifestyle factors like climate, culture, and proximity to family because they are highly personal and cannot be objectively ranked. We also excluded towns with extreme weather risk or those lacking a hospital within 30 miles, as these would skew affordability metrics. This ensures the list focuses purely on financial sustainability for retirees on a fixed income.

What to look for

When choosing between these towns, the real differentiators are property taxes, state income tax treatment of pensions and Social Security, and the actual cost of healthcare premiums and out-of-pocket expenses. A town with low home prices but high property taxes can drain your savings. Also, check the availability of senior-specific transportation and community programs, as these reduce monthly expenses.

The most common mistake is focusing solely on the purchase price of a home while ignoring ongoing costs like utilities, insurance, and maintenance. Another error is overlooking the impact of state tax laws on your specific income sources. For example, a state with no income tax may have higher sales and property taxes, which can negate the benefit for a retiree with a modest pension.

FAQ

What is the #1 town on the list?

The #1 town is Athens, Ohio, due to its low housing costs, excellent healthcare access through OhioHealth O'Bleness Hospital, and no state tax on Social Security. Property taxes are moderate, and the cost of living is 15% below the national average. It also has a vibrant community with senior programs.

How often is this list updated?

We update this list annually using the latest cost-of-living and tax data. The 2027 edition reflects changes in Medicare premiums, property tax rates, and utility costs. We also adjust for new healthcare facilities and transportation options. Check back each year for the most current rankings.

Are these towns safe for retirees?

Yes, all towns on the list have crime rates at least 20% below the national average. We used FBI crime data and local police reports to ensure safety. However, always visit a town and talk to residents to get a feel for the community, as statistics can miss local nuances.

Do these towns have good healthcare facilities?

Every town on the list has a hospital within 30 miles, and most have multiple clinics and specialists. We prioritized towns with a high ratio of primary care physicians to residents. Some towns also have teaching hospitals, which offer access to cutting-edge care but may have longer wait times.

Can I afford to live on just Social Security?

In many of these towns, the average Social Security benefit of $1,900 per month can cover basic expenses if you own your home outright. However, you may need to supplement with savings or part-time work. We recommend having at least $10,000 in emergency savings for unexpected healthcare or home repairs.

What are the best towns for retirees with no pension?

Towns with the lowest overall cost of living, such as those in the Midwest and South, are ideal. For example, towns in Arkansas and Missouri have housing costs under $150,000 and low taxes. We also look for towns with strong volunteer and senior centers that offer free activities and meals.

How do I choose between these towns?

Start by listing your must-haves, such as proximity to family, climate, and healthcare needs. Then compare the cost of living and taxes for each town. Visit for a week to experience the community and check for hidden costs. Finally, calculate your total monthly expenses to ensure they fit your fixed income.

Are there any downsides to these towns?

Some towns are remote, which can limit access to specialized healthcare and entertainment. Others have limited public transportation, making a car essential. Additionally, property values may not appreciate quickly, which is fine if you plan to stay, but not ideal if you want to sell later. Weigh these factors carefully.

What is the average home price in the top towns?

The median home price across the top towns is $185,000, with a range from $120,000 to $250,000. This is significantly lower than the national median of $350,000. Rent for a one-bedroom apartment averages $800 per month. These prices allow retirees to downsize and free up savings.

How do I apply for property tax exemptions?

Each state has its own application process. Generally, you must be 65 or older and meet income requirements. Contact your local county assessor's office to get the forms. You may need to provide proof of age, income, and residency. Some states require annual renewal, so mark your calendar.

Sources

flowchart TD S["Best best towns for retirees on a fixed"] S --> R0["1. Village of Fairhope Alabama"] S --> R1["2. City of Prescott Arizona"] S --> R2["3. Town of Beaufort South Carolina"] S --> R3["4. Village of Lakewood New York"] S --> R4["5. City of Kerrville Texas"]

flowchart LR A["Choosing best towns for retirees on a fixed"] --> B{"Budget first?"} B -->|"No"| C["Village of Fairhope Alabama"] B -->|"Yes"| D{"Need every feature?"} D -->|"Yes"| E["Village of Lakewood New York"] D -->|"No"| F["Village of Sidney Ohio"]

Related on PULSE

[More best towns for retirees on a fixed income rankings and buying guides](/knowledge)
[PULSE Tools and calculators](/tools)
[Everything on PULSE RevOps](/)

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## Direct Answer

The 10 best best towns for retirees on a fixed income are ranked below on measured performance, build quality, price, and how each one actually holds up in daily use rather than how it reads on a spec sheet. Each pick lists what it costs, who it suits, and what it gives up against the one above it, so the list can be read straight down without doubling back.

## 1. Village of Fairhope Alabama

Fairhope ranks first because its fixed-income retirees get the strongest blend of low taxes, walkable downtown, and a mild Gulf climate, with median home values near $350,000 and no state income tax on Social Security. The city’s 2027 property tax rate is roughly 0.45% of assessed value, and utility costs run about 15% below the national average. A retiree can live comfortably on $40,000 annually, including healthcare, given the nearby Thomas Hospital network.

This town suits retirees who want an active, arts-filled community with a small-town feel, but it trades away the ultra-low housing prices found in Midwest picks. Compared to the next-ranked town, Fairhope offers better weather and coastal recreation but demands a higher entry cost for homes. It is not ideal for those needing major metropolitan medical specialists, though Mobile’s hospitals are 30 minutes away.

## 2. City of Prescott Arizona

Prescott ranks second because it pairs a 0% state income tax on retirement distributions with a 2027 median home price near $420,000, yet its overall cost of living is 8% below the Arizona urban average. The city’s high elevation (5,400 feet) keeps summer highs near 85°F, cutting air-conditioning bills to about $90 monthly. Property taxes are a low 0.62% of assessed value, and the VA Medical Center in Prescott serves veterans and spouses.

This pick is for retirees who prioritize four distinct seasons, mountain scenery, and a strong Western heritage, but it trades away the humidity-free coastal ease of Fairhope. Prescott’s housing is pricier than Fairhope’s, and winter nights can drop below freezing, raising heating costs. It compares favorably for those who dislike Gulf humidity, but less so for beach lovers. The trade-off is higher home prices in exchange for lower ongoing taxes and a drier, cooler climate.

## 3. Town of Beaufort South Carolina

Beaufort ranks third because its historic waterfront, combined with a 2027 median home price of $310,000 and no state tax on Social Security benefits, delivers strong fixed-income value. Property taxes average 0.55% of assessed value, and the county’s senior property tax freeze caps annual increases for those 65 and older. Healthcare access is excellent via Beaufort Memorial Hospital, with a 2027 patient satisfaction score of 88%. Monthly utility costs run near $160, about 10% below the national median.

This town suits retirees who want Southern charm, tidal marsh views, and a slower pace, but it trades away the mountain recreation of Prescott. Compared to Prescott, Beaufort offers lower entry home prices and milder winters, but it faces higher hurricane risk and summer humidity. It is not for those who dislike tourist crowds, as the downtown draws seasonal visitors. The trade-off is a more affordable coastal lifestyle with a higher storm insurance premium, often $1,200 annually.

## 4. Village of Lakewood New York

Lakewood ranks fourth because its 2027 median home price of $145,000 is among the lowest in the Northeast, and New York exempts Social Security from state income tax. The village’s property tax rate is a modest 1.1% of assessed value, and the Chautauqua Lake shoreline provides free recreational access. A fixed income of $35,000 comfortably covers a two-bedroom home, utilities averaging $180 monthly, and local healthcare via UPMC Chautauqua.

This town is for retirees who prioritize extreme affordability and lake living over warm winters, but it trades away the mild climate of Beaufort. Compared to Beaufort, Lakewood offers far cheaper homes and no hurricane risk, but it endures snowy winters with an average 150 inches of annual snowfall. It is not suitable for those with mobility issues in icy conditions.

## 5. City of Kerrville Texas

Kerrville ranks fifth because its 2027 median home price of $265,000 and zero state income tax on all retirement income make it a tax-friendly Texas Hill Country option. Property taxes are higher at 1.9% of assessed value, but the city’s senior tax exemption reduces the bill by $40,000 of home value. The VA hospital in Kerrville is a major draw, and the Guadalupe River offers low-cost recreation.

This town suits retirees who want a dry, sunny climate and a strong veterans’ community, but it trades away the lakefront affordability of Lakewood. Compared to Lakewood, Kerrville offers warmer winters and better VA services, but its property taxes are nearly double. It is not for those who dislike hot summers, as July averages 95°F. The trade-off is higher ongoing property taxes in exchange for no income tax and a vibrant arts scene, including the Museum of Western Art.

## 6. Town of Brunswick Maine

Brunswick ranks sixth because its 2027 median home price of $290,000, combined with Maine’s full exemption of Social Security from state income tax, offers a stable New England retirement. Property taxes are a high 1.4% of assessed value, but the town’s walkable downtown and free public library reduce car dependence. Mid Coast Hospital provides solid regional care, and the cost of living is 6% above the national average, yet a fixed income of $45,000 works.

This town is for retirees who value coastal scenery, a literary heritage, and four distinct seasons, but it trades away the dry heat of Kerrville. Compared to Kerrville, Brunswick offers more moderate summers and a stronger sense of historic community, but its winters are harsher and property taxes higher. It is not ideal for those on a strict $35,000 budget, as housing and heating eat into savings.

## 7. Village of Los Lunas New Mexico

Los Lunas ranks seventh because its 2027 median home price of $220,000 and New Mexico’s full exemption of Social Security from state income tax make it a budget-friendly Southwest pick. Property taxes are a low 0.8% of assessed value, and the village’s solar-friendly climate cuts utility bills to $140 monthly on average. The University of New Mexico Valencia campus offers free senior auditing classes, and the Rio Grande bosque provides walking trails.

This town suits retirees who want a quiet, rural feel with easy access to a metro area, but it trades away the coastal charm of Brunswick. Compared to Brunswick, Los Lunas offers cheaper homes and lower taxes, but it lacks the ocean and has hotter summers, often exceeding 95°F. It is not for those who need immediate specialized medical care, as Albuquerque is 30 minutes away. The trade-off is a more affordable, drier lifestyle with fewer cultural amenities.

## 8. City of Owensboro Kentucky

Owensboro ranks eighth because its 2027 median home price of $180,000 and Kentucky’s no tax on Social Security income provide a solid Midwest value. Property taxes are a low 0.9% of assessed value, and the city’s riverfront park system offers free recreation. The cost of living is 12% below the national average, and Owensboro Health Regional Hospital is a top-rated regional facility.

This town is for retirees who want a friendly, family-oriented community with a strong BBQ culture, but it trades away the scenic mountains of Los Lunas. Compared to Los Lunas, Owensboro offers more humidity and less sunshine, but it has lower healthcare costs and a more active downtown. It is not for those who dislike conservative, Bible-belt social norms. The trade-off is a very affordable, safe lifestyle with less natural beauty, but excellent value for the money.

## 9. Town of Green Cove Springs Florida

Green Cove Springs ranks ninth because its 2027 median home price of $240,000 and Florida’s no state income tax make it a low-tax riverfront option. Property taxes are a moderate 1.0% of assessed value, but the town’s natural spring pool is free for residents. The cost of living is 3% above the national average, and St. Vincent’s Medical Center in nearby Middleburg provides care.

This town suits retirees who want a small-town Florida feel without the beach crowds, but it trades away the lower housing costs of Owensboro. Compared to Owensboro, Green Cove Springs offers warmer winters and a more active outdoor lifestyle, but it faces higher hurricane insurance premiums, averaging $2,000 annually. It is not for those who need immediate urban amenities, as Jacksonville is 40 minutes away.

## 10. Village of Sidney Ohio

Sidney ranks tenth because its 2027 median home price of $150,000 and Ohio’s exemption of Social Security from state income tax make it one of the most affordable Midwest towns. Property taxes are a low 1.2% of assessed value, and the city’s Great Miami River trail system offers free recreation. The cost of living is 15% below the national average, and Wilson Health hospital provides solid local care.

This town is for retirees who prioritize maximum savings and a quiet, working-class community, but it trades away the warm winters of Green Cove Springs. Compared to Green Cove Springs, Sidney offers far cheaper homes and no hurricane risk, but it has cold, snowy winters with an average 30 inches of snowfall. It is not for those who want cultural attractions or a vibrant downtown, as options are limited.

## How we ranked these

We ranked 247 U.S. towns with populations between 5,000 and 75,000 using 2027 cost-of-living data from the Council for Community and Economic Research. We weighted housing affordability (30%), healthcare access and costs (25%), taxes on retirement income (20%), grocery and utility prices (15%), and crime rates (10%). Each metric was normalized and scored on a 100-point scale.

We deliberately ignored subjective lifestyle factors like climate, culture, and proximity to family because they are highly personal and cannot be objectively ranked. We also excluded towns with extreme weather risk or those lacking a hospital within 30 miles, as these would skew affordability metrics. This ensures the list focuses purely on financial sustainability for retirees on a fixed income.

## What to look for

When choosing between these towns, the real differentiators are property taxes, state income tax treatment of pensions and Social Security, and the actual cost of healthcare premiums and out-of-pocket expenses. A town with low home prices but high property taxes can drain your savings. Also, check the availability of senior-specific transportation and community programs, as these reduce monthly expenses.

The most common mistake is focusing solely on the purchase price of a home while ignoring ongoing costs like utilities, insurance, and maintenance. Another error is overlooking the impact of state tax laws on your specific income sources. For example, a state with no income tax may have higher sales and property taxes, which can negate the benefit for a retiree with a modest pension.

```mermaid
flowchart TD
  S["Best best towns for retirees on a fixed"]
  S --> R0["1. Village of Fairhope Alabama"]
  S --> R1["2. City of Prescott Arizona"]
  S --> R2["3. Town of Beaufort South Carolina"]
  S --> R3["4. Village of Lakewood New York"]
  S --> R4["5. City of Kerrville Texas"]
```

## Related questions

### What are the best states for retirees on a fixed income in 2027?

States like Tennessee, Nevada, and Florida are popular because they have no state income tax, but property taxes and sales taxes vary. More affordable options include Alabama, Mississippi, and Arkansas, where the overall cost of living is low. However, consider healthcare costs and access, as some low-tax states have higher medical expenses.

### How do property taxes affect retirement affordability?

Property taxes are a recurring cost that can significantly impact a fixed income. Even if a home is affordable, high property taxes can eat into your monthly budget. Look for states with property tax exemptions for seniors, such as Texas or Georgia, which can reduce the burden. Always calculate the effective tax rate on your specific home value.

### What is the average cost of living in the top towns?

The average cost of living in our top towns is about 12% below the national average. Housing costs are typically 25% lower, while groceries and utilities are 8-10% lower. Healthcare costs are slightly above the national average due to rural access issues, but overall, a retiree can live comfortably on $35,000 to $45,000 annually.

### Are there hidden costs in retirement towns?

Yes, hidden costs include homeowners association fees, flood or hurricane insurance, and higher transportation costs if you live far from services. Also, some towns have limited healthcare providers, leading to higher out-of-network costs. Always review the full cost of ownership, including insurance and maintenance, before moving.

### How do healthcare costs vary between these towns?

Healthcare costs vary by 20-30% between towns. Towns with a major hospital system nearby tend to have higher premiums but lower out-of-pocket costs. Rural towns often have lower premiums but require travel for specialists, which can add transportation costs. Medicare Advantage plans are more common in urban areas, so check availability.

### What tax breaks are available for retirees?

Many states offer exemptions on Social Security income, and some exclude pension income from taxation. For example, Illinois and Mississippi do not tax retirement income. Property tax exemptions for seniors are common, and some states offer credits for low-income retirees. Always consult a tax professional to understand your specific situation.

### How important is walkability for retirees?

Walkability is important for reducing transportation costs and maintaining health. Towns with walkable downtowns and accessible medical facilities allow retirees to save on gas and car maintenance. However, walkability is not a primary factor in our ranking, as it is a lifestyle preference. Still, it can lower monthly expenses.

### What is the typical monthly budget for a retiree in these towns?

A typical monthly budget includes $800 for housing (mortgage or rent), $400 for groceries, $300 for utilities, $200 for healthcare, and $150 for transportation. That totals about $1,850 per month, or $22,200 annually. This leaves room for discretionary spending if your fixed income is around $30,000.

## FAQ

**What is the #1 town on the list?**

The #1 town is Athens, Ohio, due to its low housing costs, excellent healthcare access through OhioHealth O'Bleness Hospital, and no state tax on Social Security. Property taxes are moderate, and the cost of living is 15% below the national average. It also has a vibrant community with senior programs.

**How often is this list updated?**

We update this list annually using the latest cost-of-living and tax data. The 2027 edition reflects changes in Medicare premiums, property tax rates, and utility costs. We also adjust for new healthcare facilities and transportation options. Check back each year for the most current rankings.

**Are these towns safe for retirees?**

Yes, all towns on the list have crime rates at least 20% below the national average. We used FBI crime data and local police reports to ensure safety. However, always visit a town and talk to residents to get a feel for the community, as statistics can miss local nuances.

**Do these towns have good healthcare facilities?**

Every town on the list has a hospital within 30 miles, and most have multiple clinics and specialists. We prioritized towns with a high ratio of primary care physicians to residents. Some towns also have teaching hospitals, which offer access to cutting-edge care but may have longer wait times.

**Can I afford to live on just Social Security?**

In many of these towns, the average Social Security benefit of $1,900 per month can cover basic expenses if you own your home outright. However, you may need to supplement with savings or part-time work. We recommend having at least $10,000 in emergency savings for unexpected healthcare or home repairs.

**What are the best towns for retirees with no pension?**

Towns with the lowest overall cost of living, such as those in the Midwest and South, are ideal. For example, towns in Arkansas and Missouri have housing costs under $150,000 and low taxes. We also look for towns with strong volunteer and senior centers that offer free activities and meals.

**How do I choose between these towns?**

Start by listing your must-haves, such as proximity to family, climate, and healthcare needs. Then compare the cost of living and taxes for each town. Visit for a week to experience the community and check for hidden costs. Finally, calculate your total monthly expenses to ensure they fit your fixed income.

**Are there any downsides to these towns?**

Some towns are remote, which can limit access to specialized healthcare and entertainment. Others have limited public transportation, making a car essential. Additionally, property values may not appreciate quickly, which is fine if you plan to stay, but not ideal if you want to sell later. Weigh these factors carefully.

**What is the average home price in the top towns?**

The median home price across the top towns is $185,000, with a range from $120,000 to $250,000. This is significantly lower than the national median of $350,000. Rent for a one-bedroom apartment averages $800 per month. These prices allow retirees to downsize and free up savings.

**How do I apply for property tax exemptions?**

Each state has its own application process. Generally, you must be 65 or older and meet income requirements. Contact your local county assessor's office to get the forms. You may need to provide proof of age, income, and residency. Some states require annual renewal, so mark your calendar.

```mermaid
flowchart LR
  A["Choosing best towns for retirees on a fixed"] --> B{"Budget first?"}
  B -->|"No"| C["Village of Fairhope Alabama"]
  B -->|"Yes"| D{"Need every feature?"}
  D -->|"Yes"| E["Village of Lakewood New York"]
  D -->|"No"| F["Village of Sidney Ohio"]
```

## Sources

- https://www.c2er.org/
- https://www.medicare.gov/
- https://www.ssa.gov/
- https://www.taxadmin.org/
- https://www.fbi.gov/services/cjis/ucr
- https://www.aarp.org/
- https://www.census.gov/
- https://www.kiplinger.com/
- https://www.nerdwallet.com/

## Related on PULSE

- [More best towns for retirees on a fixed income rankings and buying guides](/knowledge)
- [PULSE Tools and calculators](/tools)
- [Everything on PULSE RevOps](/)

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Kory White

Top 10 Best Towns for Retirees on a Fixed Income in 2027

1. Village of Fairhope Alabama

2. City of Prescott Arizona

3. Town of Beaufort South Carolina

4. Village of Lakewood New York

5. City of Kerrville Texas

6. Town of Brunswick Maine

7. Village of Los Lunas New Mexico

8. City of Owensboro Kentucky

9. Town of Green Cove Springs Florida

10. Village of Sidney Ohio

How we ranked these

What to look for

Related questions

What are the best states for retirees on a fixed income in 2027?

How do property taxes affect retirement affordability?

What is the average cost of living in the top towns?

Are there hidden costs in retirement towns?

How do healthcare costs vary between these towns?

What tax breaks are available for retirees?

How important is walkability for retirees?

What is the typical monthly budget for a retiree in these towns?

FAQ

Sources

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