Introduction
A Midwestern town might not be the first place that comes to mind when planning your retirement, but it could be exactly where you can retire happily. And though beaches and mountains may get all the love, the heart of America will give you affordable living, welcoming neighbors, and lots to do in your golden years.
I’ve toured a few towns throughout the Midwest, and I was surprised by how enervating such places can be. With lower housing costs and cultural attractions, great health care, and friendly neighbors, it’s possible to stretch your retirement savings while still living a full and vibrant life in many of these towns. If you’re considering a new place to live, these five Midwestern towns could offer the best places to retire happily and enjoy the lifestyle you’ve been dreaming about.
Where Can You Retire Happily in the Midwest?
But when I began initial research into retirement destinations, it wasn’t as though I had my pick of locations where a glass of wine could cost less than a cup of coffee. Yet as I wandered more deeply into it, I discovered that the Midwest has much to offer people in retirement who want a lifestyle that’s well-rounded and fulfilling. Not everyone needs to retire to the coasts or the tropics, far from it, as a matter of fact, sometimes what you need is right in America.
The perfect mix of affordability, community, and activities can be found in a Midwestern town. Housing is typically a lot cheaper than in big coastal cities, so your retirement savings can go further. The cost of utilities, groceries, and transportation is typically more affordable, so you can live your life without living in fear of those expenses.
But it’s not all financial. These towns typically have friendly neighborhoods where neighbors keep an eye out for one another, and social clubs, hobby groups, and community centers that make it easy to meet like-minded people. From farmers’ markets and local festivals to theaters, museums, and parks, there are endless ways to keep active, try new things, and make your days interesting.
For me, the thing that struck me the most is how an average Midwestern town can provide a place for people to live quietly and retire without giving up any conveniences or quality of life. You can enjoy a slower pace of life, but maintain access to top-notch healthcare, shopping, dining, and cultural opportunities.
1. Appleton, Wisconsin
Appleton immediately caught my attention because it’s a perfect example of a Midwestern town that lets you retire happily. It strikes a wonderful balance between small-town charm and modern amenities, making it ideal for anyone looking for a comfortable and active retirement.
What makes Appleton stand out:
Population & Community:
- Appleton has a population of about 75,000, so you’ll find no shortage of services and activities, yet the city is small enough to attract people who offer a friendly Midwestern welcome.
- Roughly 14% of the population is 65 or older, so you can get to know a vibrant community of retirees who value a less hectic pace and some social buzz.
Location & Accessibility:
- This town in the Midwest is also a drive from Milwaukee (less than two hours) and Green Bay (even closer).
- You can have it all, city amenities when you want them, and a quiet, relaxing lifestyle as well.
Affordable Housing:
- The typical home costs about $171,000 in Appleton, well below the national average.
- Whether you’re in the market for a cozy single-family home, retirement condo, or quiet neighborhood house, Appleton has something to offer most budgets.
- Property taxes are moderate, compared with other parts of the country; this is good for retirees on a fixed income.
Cost of Living:
- The cost of living in Appleton is approximately 5.6% lower than the U.S. average.
- The cost of living is relatively low, too, making groceries, utilities, and transportation affordable so retirees can live the way they want without breaking the bank.
Healthcare & Senior Services:
- There are quality hospitals and older adult-focused clinics in Appleton.
- There are also senior centers and retirement communities with programming meant to keep residents engaged and healthy.
Things to Do:
Cultural activities are abundant. Appleton is home to a performing arts center, regional theaters, and facilities for both indoor and outdoor concerts, respectively, presenting national and local artists.
- Fans can attend local ballgames or games sponsored by the community youth sports leagues.
- The Fox Cities surrounding Appleton have outdoor amenities with parks, trails, and lakes for walking, fishing, and biking.
- The local farmers’ markets, boutique stores, and community festivals make it easy to get out and meet those neighbors.
Safety & Quality of Life:
- Appleton is safe, and when you consider a place to retire happily in the Midwest, that’s an important factor.
- Friendly locals, tidy streets, and low crime rates also make for a good environment for retirees.
- Community Engagement & Social Life
- Retired persons can attend clubs, hobby groups, and volunteer.
Libraries, senior centers, and community events foster interaction, learning, and self-development, which all play a role in making retirement a happy time.
In other words, Appleton melds affordability, access, and community in a way that makes it the perfect place to retire happily in Midwestern America.
2. Columbia, Missouri
Columbia is another town I would seriously consider if I wanted a balance of city amenities and affordability. For anyone planning their golden years, this town makes it easy to retire happily without giving up comfort, convenience, or lifestyle options.
What makes Columbia a standout:
Tax Advantages for Retirees:
- Missouri has a low state income tax, which is awesome if you’re living on a fixed retirement income.
- Retirees do not pay taxes when they take Social Security benefits, so they get to keep more of their money.
- The state also offers a standard deduction that is in line with the federal standard deduction, a savings of thousands of dollars each year for married couples who file jointly.
Affordable Housing:
- Columbia’s median home price is about $215,000, a lot less than you would pay in coastal cities.
- There’s everything from cozy single-family homes in quiet neighborhoods to modern condos near downtown.
- Property taxes are low, which is a boon for retirees trying to stretch their budgets.
Population & Community:
- Columbia, with a population of about 125,000 residents, is big enough to offer city amenities but small enough to feel like home.
- Approximately 11% of the population in this area is classified as age 65 or older, so retirees should feel right at home among those similar to them and social groups.
- There are quiet streets here, there is a house that families would love to call home, and there are active social hubs for retirees.
College Town Energy:
- With the University of Missouri calling it home, Columbia has a youthful energy that ensures it never feels like a ghost town.
- With cultural events, lectures, sports games, and university programs galore, it’s easy for retirees to remain active and engaged.
Healthcare Facilities:
- Columbia has good quality health care, including hospitals and clinics for the elderly.
- Services designed specifically for retirees are easy to find, an important consideration for long-term planning.
Things to Do:
- Parks, trails, and outdoor spaces for walking, biking, or nature gazing within the city.
- Local arts, music fests, and farmers’ markets offer retirees plenty of room to explore for social status.
- Sports fans have their pick of college, minor league, and community games.
Safety & Quality of Life
- Columbia is a safe city with low crime and friendly neighborhoods, perfect for retirees who want to enjoy a happy retirement in peace.
- Quick and easy access to grocery stores, restaurants, and basic services keeps your daily life stress-free.
Community & Social Engagement:
- Retirees can also sign up for hobby clubs, volunteer programs, and senior centers.
- There’s a strong community feel, and it’s easy to make friends and have an active social life.
In a nutshell, Columbia offers the perfect combination of value, service, and neighborly charm that makes retirement part of living life at its best.
3. Fargo, North Dakota
Fargo stands out as a top destination for retirees who want affordability, excellent healthcare, and an active lifestyle.
What makes Fargo stand out:
Exceptional Healthcare Access:
- Fargo is the largest city in North Dakota for healthcare.
- Sanford Medical Center, the state’s largest hospital, means you’ll always have access to top-notch care when you need it.
- Many clinics and specialists make it easy to stay healthy, and being here is a major component of retirement comfort.
Affordable Living Without Sacrificing Quality:
- Its median home value of $232,900 is lower than in other major Midwestern cities, making it possible for retirees to afford more house with less money.
- The average cost of living is moderate, and retirees can enjoy their interests, travel, and relaxation without worry.
Rich Cultural and Social Opportunities:
- The city also has theaters, art galleries, live music, and several museums for folks who wish to keep busy socially and culturally.
- Community events, fairs, and farmers’ markets prompt interaction and bonding with those nearby.
Active Lifestyle Options:
- Outdoor facilities such as parks, walking trails, and the nearby Red River offer recreational opportunities.
- Nature, exercise, and relaxation are available without leaving the city for retirees.
Welcoming, Safe, and Connected Community:
- Fargo is known for friendly neighborhoods and community spirit.
- With colleges come opportunities for an education, along with dynamic community offerings.
- Retirees can stay active and fulfilled by pursuing lifelong learning, volunteering in groups and clubs.
Balanced Retirement Lifestyle:
- Affordable health care and cultural and outdoor amenities are all rolled into one in Fargo.
- Retirees can have a comfortable lifestyle, make connections, and follow their interests, all the things that make people happy in retirement.
Fargo is special because it nails all the basics retirees are seeking in one city where they can really retire happy, health care, affordability, safety, culture, and community.
4. Iowa City, Iowa
With its beautiful natural attractions, unique restaurants, and vibrant nightlife, it should come as no surprise that Iowa City was named one of the Top 10 best places to retire in Iowa. Here’s why it’s a great place to enjoy retirement:
What Iowa City is known for:
Housing and Cost of Living:
- It has a median home price of $230,700, making it an affordable place for retirees to hunker down.
- Cost of living is comparable to coastal city costs, which enables retirees to make their retirement savings last longer and live a better life.
Tax-Friendly for Retirees:
- Iowa Taxes Social Security benefits are not taxed by Iowa.
- Retirement income is exempt from state income tax, allowing retirees to better be able to afford their golden years.
Cultural and Recreational Activities:
- For a taste of history, stop in at the Old Capitol Museum.
- Enjoy shopping, cafes, a pedestrian mall, and local events.
- Enjoy live music shows, theater productions, and art exhibits year-round.
- Join thousands of fans to root for the University of Iowa athletes at Kinnick Stadium.
Engaged Community and Learning Opportunities:
- The presence of the university generates academic programs, continuing education opportunities, and cultural events for retiring citizens.
- Retirees can also benefit from volunteer programs and local clubs to keep them socially engaged and active.
Outdoor and Leisure Activities:
- Parks, paths, and rivers nearby provide opportunities for hiking, biking, and taking in nature.
- This thriving Midwestern town is a great place for retirees to be active and enjoy good health.
- Best of College Vibe and Retirement Comfort
Financial Advantages for Retirees:
- With no taxes going to Social Security or pensions, it is easier to live well.
- Abundance of Leisure Options
- There’s always something to do, from museums and theaters to sporting events and local festivals.
- Community and Connection
- Friendship neighborhoods, senior programs, and local clubs make it easy to connect and retire happy.
For retirees looking for an affordable, but culturally and community-oriented college town in the Midwest, Iowa City may be just the right place to retire happily without settling into a sleepy part of flyover country.
5. Troy, Michigan
A suburb of Detroit, Troy has been named one of the best places in the Midwest to retire. This burgeoning Midwest town boasts a nice blend of comfort, safety, healthcare, and community life, everything retirees need to live happily ever after.
Why Troy Stands Out:
Affordable Suburban Living:
- The median price for a home is slightly more than $335,000.
- This is more than $100,000 below the national median, making it much less expensive than most major metro areas.
- Retired and active retirees can make the most of large suburban homes, study neighborhoods, and well-kept communities.
Strong Healthcare Access:
- There are more than 21 medical centers in Troy for every 10,000 residents.
- You have easy access to hospitals, specialists, and wellness centers.
- Adequate health care provides security and peace of mind for retirees, an important factor for a happy retirement.
Large Senior Community:
- Over 17% of the population is over 65.
- This opens the door to socialization, seniors’ programs, and community involvement.
- It’s easy for retirees to find like-minded neighbors and make friends.
Safe and Well-Planned Neighborhoods:
- What Troy is known for: Clean streets, Orderly city hearts, and strong public services
- Its safety and stability make it a comfortable place to lay roots long-term.
Active Lifestyle Opportunities:
- There are Parks, walking trails, and recreational facilities for a healthy life.
- Life is kept interesting and social by shopping centers and restaurants, but also thanks to a calendar full of community events.
- Proximity to Detroit means retirees have access to museums, theaters, and sports when they want city entertainment.
Balanced Suburban and City Access:
- Its peace of mind is that of a Midwestern town, close to a big city.
- Retirees enjoy peace without becoming isolated.
Troy is special because it has good healthcare, affordable housing, safe communities, and a vibrant community. It provides retirees with everything they need to live well and retire in the heart of Michigan.
Final Thoughts
The Midwest is one of the most practical and rewarding regions in the United States for retirement. It offers a rare combination of affordability, safety, healthcare access, and community living, allowing retirees to enjoy both financial stability and a high quality of life. Compared to expensive coastal cities, many Midwestern communities provide lower housing prices, reduced living expenses, and tax-friendly policies. This means retirement savings can last longer, giving individuals more freedom to truly retire happily without constant financial stress.
Cities like Columbia offer urban energy with a lower cost of living, vibrant arts scenes, college-town activities, and strong healthcare systems. Meanwhile, Iowa City blends cultural richness, educational opportunities, and a welcoming small-town atmosphere. Across the region, retirees can explore museums, attend live performances, join clubs, volunteer, travel locally, or simply enjoy peaceful neighborhoods and outdoor parks.
Another major advantage of retiring in the Midwest is the strong sense of community. Many towns have active senior populations, community centers, and local programs designed to keep retirees socially connected. Staying engaged, whether through hobbies, sports events, lifelong learning, or community service, plays a big role in maintaining both mental and physical well-being.
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FAQ
1-Why is the Midwest a good place to retire?
The Midwest offers lower housing costs, favorable tax conditions in some states, excellent healthcare, and vibrant communities that allow retirees to retire happily without overspending.
2-What is the cost of living like in these Midwestern cities?
Most of the cities listed have median home prices below the national average and overall living costs that are lower than those in coastal urban areas.
3-How do taxes affect retirement in the Midwest?
Several Midwestern states offer tax advantages for retirees, including exemptions on Social Security benefits and pensions, as well as low estate taxes.