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Finance

The Best Cities To Retire on $2,500 a Month

Last updated: July 12, 2025 9:48 am
Oliver James
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4 Min Read
The Best Cities To Retire on ,500 a Month
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The average retirement income in America is under $28,000, according to the U.S. Census Bureau’s American Community Survey. That does not allow for a very rich retirement — under $2,500 per month. But there are cities where you can enjoy a nice quality of life in your senior years.

Contents
Davenport, IowaTerre Haute, IndianaMuncie, IndianaErie, PennsylvaniaGreen Bay, WisconsinCanton, OhioJackson, MichiganAkron, OhioLansing, MichiganFargo, North DakotaPharr, TexasSpringfield, Illinois

Check Out: The Money You Need To Save Monthly To Retire Comfortably in Every State

Learn More: How Middle-Class Earners Are Quietly Becoming Millionaires — and How You Can, Too

GOBankingRates found the best cities to retire on a monthly budget of $2,500 or less. This pool was determined by finding the 750 largest cities in America and then narrowing down to the ones where monthly rent was $1,300 or less. All cities have livability scores of 70 or higher.

See where the best cities to retire on $2,500 are.

DenisTangneyJr / Getty ImagesDenisTangneyJr / Getty Images
DenisTangneyJr / Getty Images

Davenport, Iowa

  • Monthly expenditures: $2,288

  • Livability: 77

Find Out: How Long $2 Million in Retirement Will Last in Every State

See More: How Much Money Is Needed To Be Considered Middle Class in Every State?

Trending Now: Suze Orman’s Secret to a Wealthy Retirement–Have You Made This Money Move?

peeterv / Getty Images/iStockphotopeeterv / Getty Images/iStockphoto
peeterv / Getty Images/iStockphoto

Terre Haute, Indiana

  • Monthly expenditures: $2,331

  • Livability: 74

Explore More: America’s 50 Most Expensive Retirement Towns

Nyttend / Wikimedia Commons Public DomainNyttend / Wikimedia Commons Public Domain
Nyttend / Wikimedia Commons Public Domain

Muncie, Indiana

  • Monthly expenditures: $2,352

  • Livability: 81

DenisTangneyJr / Getty Images/iStockphotoDenisTangneyJr / Getty Images/iStockphoto
DenisTangneyJr / Getty Images/iStockphoto

Erie, Pennsylvania

  • Monthly expenditures: $2,371

  • Livability: 82

Jacob Boomsma / Shutterstock.comJacob Boomsma / Shutterstock.com
Jacob Boomsma / Shutterstock.com

Green Bay, Wisconsin

  • Monthly expenditures: $2,395

  • Livability: 71

Also See: America’s 30 Safest and Wealthiest Retirement Towns

benkrut / Getty Imagesbenkrut / Getty Images
benkrut / Getty Images

Canton, Ohio

  • Monthly expenditures: $2,414

  • Livability: 70

ehrlif / iStock.comehrlif / iStock.com
ehrlif / iStock.com

Jackson, Michigan

  • Monthly expenditures: $2,434

  • Livability: 74

benkrut / Getty Imagesbenkrut / Getty Images
benkrut / Getty Images

Akron, Ohio

  • Monthly expenditures: $2,438

  • Livability: 81

Davel5957 / Getty ImagesDavel5957 / Getty Images
Davel5957 / Getty Images

Lansing, Michigan

  • Monthly expenditures: $2,464

  • Livability: 79

Find More: How Far $500,000 in Retirement Savings Plus Social Security Goes in Every State

YinYang / Getty ImagesYinYang / Getty Images
YinYang / Getty Images

Fargo, North Dakota

  • Monthly expenditures: $2,481

  • Livability: 84

belterz / Getty Imagesbelterz / Getty Images
belterz / Getty Images

Pharr, Texas

  • Monthly expenditures: $2,497

  • Livability: 72

Sean Pavone / Shutterstock.comSean Pavone / Shutterstock.com
Sean Pavone / Shutterstock.com

Springfield, Illinois

  • Monthly expenditures: $2,499

  • Livability: 81

Methodology: GOBankingRates used Zillow April 2025 data to find every city in the U.S. (limited to the 750 largest) that had monthly rent of $1,300 or less. GOBankingRates then used Sperling’s BestPlaces to find the cost-of-living index for every city on the list. Next, GOBankingRates used data from the Bureau of Labor Statistics’ 2023 Consumer Expenditure Survey to find the annual expenditure amount for grocery, healthcare and utilities costs for people aged 65 and older in order to find how much a person 65 and over would spend on those things in each city on a monthly basis. GOBankingRates then added monthly housing, grocery, healthcare and utilities costs together to find where a person 65 and older could survive on $2,500 or less. In order for a city to be qualified for the study, it had to have a livability score of 70 or higher (as sourced from AreaVibes). All data was collected on and is up to date as of June 4, 2025.

More From GOBankingRates

  • I’m a Realtor: This Is Why No One Wants To See Your Home 

  • 3 Things Retirees Should Stop Buying To Save Money Amid Tariffs 

  • How Middle-Class Earners Are Quietly Becoming Millionaires — and How You Can, Too 

  • 7 Wealth-Building Shortcuts Proven To Add $1K to Your Wallet This Month

This article originally appeared on GOBankingRates.com: The Best Cities To Retire on $2,500 a Month

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