United States, December 6, 2025
Many retirees are drawn to Mexico for its affordable living, typically around $2,500 a month. However, various cities in the U.S. present similarly budget-friendly retirement options. This article explores nine U.S. cities like Jacksonville and Gulfport that offer a blend of low living costs, vibrant communities, and excellent healthcare, allowing retirees to enjoy comfortable lifestyles close to home.
Affordable U.S. Cities for Retirement Comparable to Mexico
Explore Retirement Options That Fit Your Budget
Retiring in Mexico is known for its affordability, attracting many with the promise of comfortable living on around $2,500 a month. However, for those preferring to stay in the United States while enjoying similar economic benefits, cities across the country offer budget-friendly lifestyles that can rival those found in Mexico. Here are nine cities where retirees can embrace a fulfilling, cost-effective retirement without crossing international borders.
Jacksonville, Florida
Cost of Living: 8% below the national average
Median Home Price: $295,000
Median Rent: $1,505
Jacksonville provides retirees with affordable housing options and a warm coastal climate. With miles of beautiful beaches, access to excellent healthcare facilities, and a variety of recreational activities, Jacksonville is a strong contender for those looking to retire comfortably while enjoying a vibrant community.
Duluth, Minnesota
Cost of Living: 15.3% below the national average
Median Home Price: $300,000
Located along the stunning shores of Lake Superior, Duluth offers breathtaking water views and a welcoming community. Known for its four-season beauty and excellent healthcare services, Duluth presents an appealing option for retirees who appreciate an active outdoor lifestyle.
Chattanooga, Tennessee
Cost of Living: 11% below the national average
Median Home Price: $350,000
Median Rent: $1,288
Chattanooga features a mix of affordability and natural beauty, with scenic mountain views and a picturesque riverfront. The city’s mild climate and rich cultural scene make it an excellent choice for retirees seeking a fulfilling lifestyle surrounded by nature.
Gulfport, Mississippi
Cost of Living: 15% below the national average
Median Home Price: $175,600
Median Rent: $1,000
For those dreaming of a coastal retirement, Gulfport offers a relaxed lifestyle on the Gulf Coast at an incredibly affordable price. Known for its warm weather and low property taxes, retirees can enjoy a comforting lifestyle while taking in the beauty of Gulf beaches.
Las Cruces, New Mexico
Cost of Living: 10% below the national average
Median Home Price: $299,900
Median Rent: $1,060
With sunny days and stunning desert mountain scenery, Las Cruces is perfect for retirees looking for an affordable yet scenic retirement. Access to reliable U.S. healthcare and a laid-back lifestyle are additional perks for those considering this New Mexican city.
Roanoke, Virginia
Cost of Living: 9% below the national average
Median Home Price: $239,500
Median Rent: $1,198
Roanoke offers the charm of a mountain town combined with affordability and plentiful outdoor activities. Surrounded by the beautiful Blue Ridge Mountains, it stands out for its strong healthcare access, making it an ideal retirement spot.
Corpus Christi, Texas
Cost of Living: 11% below the national average
Median Home Price: $267,000
Median Rent: $993
This city blends affordability with the stunning beauty of the Gulf Coast. Corpus Christi’s warm climate, excellent recreational opportunities, and robust healthcare options cater well to retirees looking to enjoy the sun and surf.
Idaho Falls, Idaho
Cost of Living: 17% below the national average
Median Home Price: $389,900
Idaho Falls combines affordable living with stunning riverfront scenery alongside easy access to mountainous recreational areas. Known for its safety and quality healthcare options, it presents a peaceful retirement option.
Pensacola, Florida
Cost of Living: 4% below the national average
Median Home Price: $330,000
Median Rent: $1,329
Pensacola offers retirees a beautiful coastal atmosphere with relatively low living costs. With its cultural activities and gorgeous beaches, this city is a prime destination for those seeking relaxation by the sea.
These cities illustrate how retirees can enjoy a comfortable lifestyle comparable to those found in Mexico, right here in the U.S. Each location presents unique advantages, from coastal living to serene mountain retreats, catering to diverse preferences and lifestyles.
Frequently Asked Questions (FAQ)
What are the key factors to consider when choosing a retirement city?
When selecting a retirement city, consider factors such as cost of living, healthcare quality, climate, recreational opportunities, and proximity to family and friends. It’s important to choose a location that aligns with your lifestyle preferences and financial situation.
How do these U.S. cities compare to Mexico in terms of affordability?
While retiring in Mexico is known for its affordability, these U.S. cities offer similar cost-of-living benefits, allowing retirees to enjoy a comfortable lifestyle without leaving the country. The exact comparison may vary based on individual spending habits and lifestyle choices.
Are there any tax advantages for retirees in these cities?
Tax advantages for retirees can vary by state and city. It’s advisable to consult with a tax professional or financial advisor to understand the specific tax implications of retiring in these locations.
What healthcare options are available in these cities?
Each of these cities offers access to healthcare facilities, with some having robust medical networks. It’s important to research the quality and availability of healthcare services in the specific area you’re considering for retirement.
How do housing costs in these cities compare to the national average?
Housing costs in these cities are generally below the national average, making them more affordable options for retirees. However, specific costs can vary based on the neighborhood and type of housing.
Key Features of Affordable U.S. Retirement Cities
| City | Cost of Living | Median Home Price | Median Rent | Notable Features |
|---|---|---|---|---|
| Jacksonville, Florida | 8% below national average | $295,000 | $1,505 | Coastal living, excellent healthcare, recreational activities |
| Duluth, Minnesota | 15.3% below national average | $300,000 | Not specified | Lake Superior views, four-season beauty, outdoor recreation |
| Chattanooga, Tennessee | 11% below national average | $350,000 | $1,288 | Mountain views, riverfront, cultural activities |
| Gulfport, Mississippi | 15% below national average | $175,600 | $1,000 | Coastal lifestyle, warm weather, low property taxes |
| Las Cruces, New Mexico | 10% below national average | $299,900 | $1,060 | Sunny climate, desert scenery, affordable living |
| Roanoke, Virginia | 9% below national average | $239,500 | $1,198 | Mountain charm, outdoor activities, strong healthcare |
| Corpus Christi, Texas | 11% below national average | $267,000 | $993 | Gulf Coast beauty, warm weather, excellent fishing |
| Idaho Falls, Idaho | 17% below national average | $389,900 | Not specified | Riverfront scenery, mountain access, safety |
| Pensacola, Florida | 4% below national average | $330,000 | $1,329 | Coastal charm, beautiful beaches, cultural activities |
Deeper Dive: News & Info About This Topic
HERE Resources
Jacksonville Residents: Financial Strategies for Success
Tampa Bay Trust Company Rebrands as Florida Trust Wealth Management
USPS Job Fair in Jacksonville for Rural Carrier Positions
Jacksonville Ranked 7th in Best Places to Retire
Three Finalists Announced for DIA CEO Position in Jacksonville
Florida’s Housing Market in Turmoil: Rising Costs Hit Residents Hard
Florida Small Business Owners Confront Economic Challenges Amid Tariffs
Golf Tourism Market Set to Soar: A Hole-in-One Opportunity!
Discover Stillwater: Northeast Florida’s Premier Golf Course Community
Author: STAFF HERE JACKSONVILLE WRITER
The JACKSONVILLE STAFF WRITER represents the experienced team at HEREJacksonville.com, your go-to source for actionable local news and information in Jacksonville, Duval County, and beyond. Specializing in "news you can use," we cover essential topics like product reviews for personal and business needs, local business directories, politics, real estate trends, neighborhood insights, and state news affecting the area—with deep expertise drawn from years of dedicated reporting and strong community input, including local press releases and business updates. We deliver top reporting on high-value events such as the Jacksonville Jazz Festival, Riverside Arts Market, and World of Nations Celebration. Our coverage extends to key organizations like the Jacksonville Chamber of Commerce and JAXUSA Partnership, plus leading businesses in logistics, healthcare, and entertainment that power the local economy such as CSX Corporation, Baptist Health, and VyStar Credit Union. As part of the broader HERE network, including HEREOrlando.com, HEREStPetersburg.com, HERETallahassee.com, and HERETampa.com, we provide comprehensive, credible insights into Florida's dynamic landscape.
