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Chico, California

Chico, California (population 79,000, with roughly 200,000 in the surrounding area) is a beautiful city located at the base of the Sierra Nevada Mountains and Cascade Mountains in the northern Sacramento Valley and may be a retirement choice for anyone wanting to live in this sprawling state but not wanting to pay the outrageous cost-of-living found in most other areas, including inland cities.   

Lawrence, Kansas

This mid-western city (population 82,000) is a pleasant surprise when it comes to retirement choices.  Located on the green eastern edge of Kansas, Lawrence offers retirees a lively ambiance, a rich cultural scene, an educated population, sporting events and a cost-of-living below the national average.  Once a center of Civil War anti-slavery sentiment, today Lawrence is a liberal spot in an otherwise conservative state.  It is a youthful place, but more retirees are discovering it every day.

Retirement Downtown (Oklahoma City, Oklahoma)

Many retirees are not seeking golf, beaches or mountains when they consider retirement destinations.  Urban dwellers may cringe at the thought of small-town living, and small-town dwellers may be ready for a change once retirement time arrives.   Active adult developments may be too homogeneous for some; a more eclectic lifestyle may be preferred.  So we look at another growing retirement trend, the one of retiring downtown and creating a community within the heart of a city.

Retirement Downtown (Providence, Rhode Island)

Not long ago, Providence (population 178,000 with roughly 10,000 in the downtown area) was a place not many people wanted to live.  The economy was failing, and parts of the city typified the term "urban blight."   Today, though, thanks to some progressive, even visionary, civic leaders, Providence is a city transformed and is referred to as the "Renaissance City."   It is growing and often cited as one of the best places to live in the country; the downtown has undergone an amazing and exciting revitalization in the last few years.  

San Angelo, Texas

This article was submitted by a reader who has retired in San Angelo, Texas, loves it and wants to share her experience with our readers.  Indeed, San Angelo is a great retirement spot; this small city in the western center of the Lone Star State offers a low cost-of-living, affordable housing, history and a high quality of life.  It has been profiled as a great place to live and is attracting more and more retirees

Thomasville, Georgia

Thomasville, Georgia, nicknamed the "City of Roses," is a place that completely charms visitors and residents alike.  This idyllic destination (population 22,000) has a history of prosperity from pre-Civil War years when cotton plantations dotted the landscape. The town has a unique combination of Southern romance and a healthy economy, something that appeals to seniors seeking a retirement spot with vitality. 

St. Augustine, Florida

St. Augustine, Florida, a 440-year-old town that oozes Old World character, romance and history, is always worth a second look.   Having endured a tumultuous history, St. Augustine today is a vibrant tourist and retirement spot with centuries-old homes, narrow cobblestone streets, eclectic shops, cozy cafes, historic B&Bs and lovely gardens.  In short, it is a great place to retire.

New Bern, North Carolina

This city of nearly 24,000 lies in North Carolina’s historic Inner Bank region where the Neuse and Trent rivers converge and is about 30 miles from Pamlico Sound and the Atlantic Ocean.  European immigrants settled the area in the early 18th century, and the town served as the state capitol for a time. New Bern today has developed into a prosperous, progressive and popular community where residents and visitors can enjoy many activities in a generally mild climate.

Tubac, Arizona

Sleepy Tubac, Arizona (population 1,188) is located 45 miles south of Tucson (population 750,000) and reminds one of Santa Fe as it was thirty or forty years ago.  Founded in 1752 as a presidio (fort) by a Spanish explorer, the community was for years the furthest outpost of the Spanish frontier.   Today Tubac is a thriving artists' colony and home to more than 80 shops, boutiques, galleries and art studios. 

Greenville, North Carolina

Situated among bays, rivers and sounds in eastern North Carolina, lively Greenville is a growing community with affordable housing, a cost-of-living below the national average, top-quality health care, cultural amenities that rival larger cities' and a relatively mild climate.  Greenville retirees enjoy all kinds of University-sponsored events, including football games and art openings, and the ocean is just 90 minutes away.

Eagle River City, Wisconsin

Small Eagle River, Wisconsin is located on the Eagle River in the northern portion of the state and is a great spot for those seeking an outdoor oriented retirement amid dense woods and sparkling lakes.  The climate is cool; the fresh air is stimulating; wildlife is all around, and the cost-of-living is below the national average.

The Algarve, Portugal

The Algarve, Portugal, has been attracting expatriate retirees for some time.  Located on the very southern end of this enticing country, the region (85 miles by 23 miles) is known for its delightful climate, excellent golf, colorful, fertile landscape and its magnificent coastline that consists of long stretches of white sandy beaches interspersed with majestic cliffs and grottoes.

Halifax, Nova Scotia, Canada  

Not every retiree would consider relocating to the southeast Atlantic coast of Canada a great idea, but for those seeking a part-time retirement (full-time retirement requires permanent resident status) in an affordable, cosmopolitan destination perched along one of the largest natural harbors in the world, Halifax, Nova Scotia should be considered.  This vibrant city offers a pristine beauty, four seasons (although little snow until after January) and many cultural and recreation amenities.   

Boulder, Colorado

Affluent, casual Boulder sits at the foot of the Rocky Mountains in north central Colorado and boasts a quality-of-life not found in many other small cities.  Retirees who enjoy the outdoors, beautiful scenery, an educated, eclectic mix of people and a collegiate atmosphere are drawn to this Western oasis.  The cost-of-living is high, but for those who can afford it, Boulder is a great place to retire. 

Lincoln City, Oregon  

Located just two hours from Portland, this delightful seaside town of 7,400 people is ideally situated along seven miles of sandy beach on the central Oregon coast and has lush forests and narrow, pretty, 680-acre Devils Lake to the east, the Salmon River to the north and Siletz Bay to the south.   Retirees have known about this spot for years; in fact, 35% of the population is age 55 and better, with 42 being the median age.  

Danville, Kentucky

Located in the southwestern corner of Kentucky's Bluegrass Region, Danville is a progressive place with an appreciation of its history.  In fact, Danville's healthy, restored downtown has won a Great American Main Street Award from the National Trust for Historic Preservation, and the town is close to Kentucky's southern lakes and the Derby Region where horse farms and white fences dot the countryside.  Kentucky is often overlooked as a retirement state, but Danville is worth a look.

Myrtle Beach, South Carolina

Along the eastern edge of South Carolina is a 60 mile stretch of real estate famous for its wide beaches, 120 public golf courses, trendy restaurants and abundant shopping.   This area is known as the Grand Strand, and Myrtle Beach, a boisterous, booming tourist destination, is its largest city.   It is also a spot that draws retirees seeking sand and surf, plenty of activity and a below-average cost-of-living.

Ojai, California

Despite mudslides and earthquakes, California is still a popular retirement state, and lush, affluent Ojai, located roughly 35 miles from Santa Barbara and a world away from Los Angeles, is a gorgeous, although expensive, retirement destination.  This community of 8,000 people is adjacent to a national forest and sits beneath the Topa Topa Mountains in a valley overflowing with orange and lemon groves.  Ojai epitomizes the best that California has to offer and reminds one of what the state used to be half a century ago.  

Coeur d'Alene, Idaho

Coeur d'Alene is home to 35,000 people and is located on beautiful Lake Coeur d'Alene in the rugged, northwest corner of Idaho's panhandle.  Stumbled upon by Lewis and Clark in the early 1800s, the area's untamed wilderness first drew fur trappers and explorers; today it beckons to those seeking an active, outdoorsy retirement. 

Boquete, Panama  

Numerous recent publications have written about the charms of relocating to Panama, a favorite up-and-coming foreign retirement destination, and it is easy to understand why.  This lush, tropical country is located between Central and South America and is roughly 2 1/2 hours by air from Miami.   Spanish is the official language, but English is widely spoken.  The currency is the balboa, which has the same value as the U.S. dollar (and the U.S. dollar is a common currency as well). 

Chico, California

Chico, California (population 79,000, with roughly 200,000 in the surrounding area) is a beautiful city located at the base of the Sierra Nevada Mountains and Cascade Mountains in the northern Sacramento Valley and may be a retirement choice for anyone wanting to live in this sprawling state but not wanting to pay the outrageous cost-of-living found in most other areas, including inland cities. 

Hot Springs, Arkansas

Springs, Arkansas (population 36,000) is a tourist and retirement destination that seems to receive rave reviews from almost everyone (even Al Capone enjoyed coming here).  Located in central Arkansas, it has a beautiful setting among lakes and rolling hills, a mild climate, a lower-than-average cost-of-living, and it offers the benefits of renowned, healing mineral waters. 

Meredith, New Hampshire

The picturesque village of Meredith, nestled in the Lakes Region of central New Hampshire, boasts historic charm, a lakefront setting and a quaint New England vibe.   Recreation is plentiful and varied; homes are large and historic and antiquing is a way of life.   For anyone seeking retirement in an idyllic setting with gorgeous scenery and a lake culture, Meredith may be just the ticket.

Mountain Home, Arkansas

Mountain Home, Arkansas (population 11,500) is a casual, low-key destination that attracts retirees seeking lots of water recreation, low crime rates, four fairly mild seasons and affordable housing.  Being snuggled in the Ozark Mountains, pretty scenery abounds, and two nearby sparkling lakes entice water-lovers to spend their days fishing, boating, water skiing and just soaking up the lake atmosphere.  This peaceful spot is worth a look.