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HomeBlog Personal FinanceWant To Live The Good Life For Less When You Retire?
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Want To Live The Good Life For Less When You Retire?

November 26, 2013 by National Debt Relief

Elderly coupleAre you one of the thousands of Americans who are nearing retirement but are, well, not awfully affluent? Don’t despair. There are places you could retire to where you would have a very nice life but on an affordable budget. In fact, you could live in any of the following cities for just $30,000 a year and yet be comfortable.

1. Daytona/Deltona/Ormond Beach, Florida

This city of 514,450 people boasts a median home price of just $108,900. It has a median mortgage payment of just $416 and the median property tax is only $1161. There is no state tax on pensions nor on Social Security. Daytona/Deltona/Ormond Beach offers good weather and beaches. The atmosphere is relaxed and the city is extremely affordable. It offers easy access to the Gulf of Mexico and the Atlantic as well as to freshwater making it a fisherman’s paradise.

2. Pocatello Idaho

Pocatello’s population is 85,500. It has a median home price of $127,500 and a median mortgage payment of $487. There is no state tax in Idaho on Social Security but there is one on pensions with some exemptions. If you love to ski, Pocatello would be a great choice. It’s very close to the ski area, Pebble Creek and people age 66 and older can get an all-day lift ticket for just $26. Plus, Pocatello has some 1000 miles of hiking and biking trails as well as white-water rafting and kayaking.

3. Greenville, South Carolina

Property taxes in Greenville average $753 a year. Utilities and gasoline prices are also much cheaper than big cities. The population of Greenville is 60,709 and its median home price is $127,600. South Carolina has a state tax on Social Security but not on pensions. The median property tax in Greenville is $753. Greenville’s Metropolitan Arts Council and Upstate Visual Arts has numerous public events that focus on the visual arts. This includes First Friday Art Walk, West Greenville Arts Festival and Greenville Open Studios. It has some noteworthy art museums and its music scene includes live performances by local Jazz, Country and Rock bands.

4. Grand Rapids, Michigan

If you’re attracted by a sense of community, Grand Rapids has it in abundance. Its population is 782,100 and its median home price is $114,200. The median mortgage payment is $436. And the city’s median property tax is $1830. Michigan has no state tax on Social Security but does tax pensions with some exemptions. The international Art Prize competition brings world-class art to downtown Grand Rapids and during the summer you can get good, fresh produce at the Fulton Street Farmers market.

5. Bangor, Maine

Maine also does not tax Social Security but does tax pensions with some exemptions. Bangor’s population is 149,630 and the median home price is $110,400. Bangor’s median property tax is $1303. Bangor winters can be awful but one couple pays just $91 per month for heat on a budget plan. The area offers ample recreational and entertainment options. There is also a lively arts scene and much hiking, biking and paddling – thanks to the Penobscot River.

6. South Bend, Indiana

If you’re any kind of a college football fan you know about South Bend as it’s home to Notre Dame. It’s also the home of 316,000 people and its median home price is an amazing $82,500. While South Bend is known mostly for Notre Dame, which does have a major influence on the city, it also offers retirees a lot with low cost housing, minimal property taxes and abundant recreational opportunities. South Bend’s median property tax is just $846 and Indiana does not tax Social Security earnings. South Bend has been working to clean up its down-at-the heels image and has created a fledgling riverwalk along the St. Joseph River that includes the country’s first artificial whitewater for rafting.

7. Erie, Pennsylvania

This gateway to the Great Lakes has a population of 278,600, a median home price of $106,600 and a median mortgage payment of just $407. Yes, you read that write. Its median home mortgage is $407. Erie is located about 100 miles from Buffalo, NY and Cleveland, OH. It’s rich in history and its real treasure is Presque State Park. This park includes a seven mile peninsula of beautiful Lake Erie beaches. The city also offers numerous entertainment options.

8. Louisville, Kentucky

This is one of our most affordable large cities with a population of 1,250,000 and a median property tax of $1116. There is no Kentucky tax on Social Security but there is a tax on pensions with certain exceptions. Louisville is big on both arts and culture. It calls itself the “City of Parks” as it has 18 that were designed by Frederick Law Olmsted. If you’re not familiar with Olmsted he is the landscape architect that designed New York City’s Central Park. Louisville is also home to the Kentucky Derby at Churchill Downs racetrack, the Louisville Slugger Museum & Factory, and the Urban Bourbon Trail. All told, Louisville is one of the most affordable big cities in America.

9. Sherman/Denison, Texas

If you love great barbecue, you will definitely like Sherman/Denison, Texas. The city’s population is 120,800 and its median home price is a very modest $79,400. Sherman/Dennison’s median mortgage payment is $303 and Texas levies no taxes on either Social Security or pensions. Sherman/Denison is the home of the Hagerman National Wildlife Refuge with its remarkable 338 species of birds, 60 species of reptiles, 36 species of mammals, and amphibians and 61 species of fish. It offers some of the cheapest housing costs in the US, along with the recreational appeal of nearby Lake Texoma.

10. Pueblo, Colorado

You’d probably never guess this but Pueblo with its population of 158,000 is one of the countries biggest steel producers. It has a median home price of $102,000 and a median mortgage payment of just $392. The median property tax in Pueblo is $765 and, unfortunately, Colorado does tax Social Security earnings. This desert community is considered to be a real bargain among Colorado’s sprawling cities. Skiers can be on world-class snow in less than two hours. Plus, Pueblo’s climate is blissfully temperate. And it has unexpected delights such as the Arkansas River Project, an impressive library, archaeological treasures and expanding healthcare options.

Other “bests”

In the final analysis the “best” of anything basically comes down to a judgment call. As an example of this, here’s a video that showcases five other ”best” cities for a person’s golden years.

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Easy National Debt Relief Caller: Austin Transcribed WE 1/17/2021 Austin: Our call may be recorded. What led you to National Debt Relief and why did you choose National Debt Relief over a different company? CARA: Honestly, it was just kind of on a whim. I just saw a commercial, I think, and then looked it up. And we were just tired of living paycheck to paycheck and not feeling like we were getting anywhere with our debt. Austin: What were your thoughts and was wondering as far as like the enrollment process, what process or where are you at this point in the process? CARA: We are almost done. Well, they've paid off almost everything or we've paid off almost everything. We're working on our last credit card. So I think our last payment will be in December, so nearing the end. Austin: Do you remember the name of the negotiator? I'm sure you've probably worked with a couple of people, but what's the name of the negotiator that you worked with? CARA: Well, I didn't really, I guess really work one on one with like one negotiator. I don't think. We just got email saying, "This is where we're at with this. Do you agree?" you know, type situation. Austin: Do you feel that there's anything that maybe the negotiator did well or anything that they could have improved? CARA: No, I don't think so. Nope, I don't think so. We've been happy with everything so far. Austin: Have you seen any positive impacts from working with National Debt Relief, just to kind of notice any changes to your life? CARA: I mean, definitely less stress, and then we've just been able to be better about our spending and our budget and everything. It helped get us on track. Austin: How would you rate your experience with National Debt Relief on a scale of one to five, where five means you would recommend to friends and one means very dissatisfied? CARA: I'd say 5. Austin: Would it be okay if we shared your comments as a review on our public site with a first name and city only, they're for National Debt Relief and to help other consumers make good choices? CARA: Probably not. I live in a smaller area. If anybody were to hop on and say Cara from Beddington, they would probably know. Austin: We can definitely remove that 'cause we very much respect your privacy. So we can either remove the name and just do a ‘C’ or completely remove the city and just do like ‘Cara from the USA’ whatever -- mainly comments than identifying you, I guess would be important. CARA: Yeah, I don't care if you use like my name and just put USA. I just don't -- where I live, it's not a very big area. Austin: I can totally respect that. Not a problem at all. CARA: Yes, we are a little bit of ashamed of having to go this route, but it was what was best for our family at the time. Austin: Would you like us to email you a link to that review whenever it's published? CARA: Yeah, that'd be great. Austin: Our call may have been recorded.

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