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I Would Love to Retire in California, But It’s Too Expensive: Where Else?

Category: Best Retirement Towns and States

March 4, 2020 — California has sunny skies, a Mediterranean climate… and super-high housing prices and unending traffic. The Zillow Home Value Index was $561,000 in early 2020. A pleasant victim of its own success, it is a bit like Yogi Berra was alleged to have said, “It’s so crowded, no one goes there anymore”.

For those looking for the California experience, but don’t want to either have to pay for it or fight its crowds, this article will explore some places to retire that might be good alternatives. The good news is, there are plenty of great places that are much more affordable. Most are not near a coast, but many have lakes and/or mountains to enjoy.

Flatiron Mountain: Photo by Molly Brady

Tucson, Arizona. Warm in winter, blessed with sunshine almost 300 days per year, Tucson is surrounded by beautiful desert mountains. At 233 performing arts dates per year, it also has one of the nation’s highest number of arts performances. It retains a distinctive relaxed, western flavor (Tombstone is nearby). The Zillow Home Value Index was $212,648 in 2020.

Las Cruces, New Mexico. The second largest city in New Mexico, Las Cruces is in the southern part of the state. It has been listed as a “Best Place to Retire” by several organizations for many reasons; low cost of living, active cultural life with its major university, and unusually beautiful location. New Mexico State is here. The Zillow Home Value Index was $173,667 in early 2020.

Ocean Shores, Washington. This small coastal community was built on the site of a former cattle ranch. Popular with tourists and retirees, it includes marinas, shops, hotels and a golf course.  Pat Boone used to host his famous Celebrity Golf Tournaments here. Residents enjoy the beach, bird watch, fish, and attend the many outdoor activities and festivals that Ocean Shores has to offer. The Zillow Home Value Index was $225,420.

Photo of ocotillos and Church courtesy of Ken Bosma 

Green Valley, Arizona. This collection of communities in extreme southern Arizona is a perennially popular place to retire. It has a moderate winter climate, although periods of hard freeze can occur.  Because of its size the range of its activities and the range of people to meet is very extensive.  The non-profit Green Valley Recreation is quite extraordinary, operating 13 different recreation centers with golf courses, swimming pools, fitness centers, etc. It also provides many opportunities for the arts and entertainment. The Zillow Home Value Index was $195,200 in early 2020.

Cody, Wyoming. With a population of just under 10,000, it has a decidedly small-town feel in the scenic northwest corner of the state. It’s a relatively popular tourist area, especially for those passing through to Yellowstone National Park 50 miles away. As far as the residents go, this is the home of ranchers and cowboys. Two celebrities you have heard of, Kanye West and Kim Kardashian West, have moved here to become the town’s most famous residents of the modern era. Zillow puts the 2020 Home Value Index at $309,000.

Residential area near downtown Punta Gorda

Punta Gorda, Florida. Yes, this town is not anywhere near California. But it is warm and on the coast. Real estate is quite a bargain in this town that is making great strides. The Zillow Home Value Index was $245,133 in early 2020 and Zillow referred to it as a “Hot” market at this time. It is much less crowded than nearby Fort Myers or Naples.

Grand Junction, Colorado. Located in the west central part of the State near Utah, comes up near the top of many people’s “best places to retire”. For one thing, this fast-growing town perched on the border with Utah has a relatively low cost of living. It is also a college town (Colorado Mesa University has over 10,000 students on campus here). Natural beauty and recreation is abundant with the Rocky Mountains and the Colorado National Monument. Home prices are much more reasonable here than in the Denver or Boulder area – Zillow puts the Home Value Index at $265,000. 

Reno, Nevada. This area borders Lake Tahoe and so offers some of the California experience at a much better price. There are 18 ski areas within 2 hours.  Reno is near 3 major bodies of water – Lake Tahoe, the Truckee River, and Pyramid Lake. Nevada has no state income tax. During the third quarter of 2019, the median home sale price was $401,100 according to the NAR.

Near Heber City

Heber City, Utah. Many a Californian has decided to retire to Utah, which offers outstanding mountains and a youthful atmosphere. Heber City is in a fast growing area near Park City, but is a bit more affordable, depending on where you choose to live. You can live in a fancy active development or in the town. Zillow pegs the Home Value Index at $455,000.

For further reading:
My Wife and I Have $2479/month from Social Security, and Want to Retire Somewhere Warm and Near the Beach

Retirement 101: The American Southwest

Posted by Admin on March 2nd, 2020

10 Comments »

  1. I’m sorry but now I’m taking a slight offense to the info provided here regarding to CA. Many of you I’m sure have read all my comments regarding to my Southern CA retirement. Once again these articles usually refer to living in the large cities such as LA and San Francisco. There are so many smaller cities to move to from North CA to San Diego . We live in North San Diego county on $2000 per month in a very nice retirement condo community and I know you can live on less than that in Eureka or Redding or the desert towns. I’ve lived in NY, Fla and Oregon and you can’t beat the weather here and appreciate that this state takes care of their own when needed.

    by Mary11 — March 3, 2020

  2. Nice comment Mary11. Generalizing about an area as big a State as California is dangerous. I am sure there are still many affordable places to retire there.

    by Admin — March 3, 2020

  3. “…state takes care of their own…” California euphuism for high taxes.

    by Art Quintna — March 4, 2020

  4. Thanks Mary 11, your information is appreciated and valuable to me.

    by Janet — March 4, 2020

  5. Thanks for your comment, Mary. I am tired of hearing how bad CA is, with the high taxes, and not good for small business, etc. If people don’t like it here, then, move elsewhere. Your comments were specific, not general, and certainly, not “dangerous.” That’s ridiculous. Yes, California can be expensive, but, everything is relative to your income, lifestyle, employment, and age. I am not wealthy financially, but, manage to live here comfortably at a retirement age.

    by Anna Marie — March 4, 2020

  6. Well let’s see ….as of a year ago when we still owned our condo our yearly property tax was $800. The value increased by 500 percent after 20 years and will be able to live off the profit for many years. Where we live we don’t see any illegals, food prices are lower from other states I’ve lived, and don’t experience bad traffic. We are lower income so taxes aren’t really a concern. Believe me there is no perfect place to retire to ….and you will have to make adjustments wherever you decide to settle.

    by Mary11 — March 5, 2020

  7. Mary, at 63, we planned to move back to San Diego
    At retirement. We have lived in 11 states. Problem:
    No state more resources for health and education
    As I Need specific Rheumatologist as it also impacts
    Heart.
    We thought AZ was answer, after complete 3 day meeting
    Dr. Said no! You go live in SD! She was emphatic to hubby.
    Orange County is fine but more congested. SC is 50 yrs ago. We lived near Poway and Rancho Penesquitus ..
    first job from college in NM. Sorry they changed home tax law. Immigrants should not get medical paid by legal
    Citizens. But all states have trade offs I guess. Ty

    by Tory23 — March 5, 2020

  8. I feel the same way about New York. Sure Manhattan is out of our reach but upstate New York is gorgeous and so inexpensive. Low income means low taxes. Low costs of living. Who knew? When it gets cold we snowbird down Florida. Perfect combination. People have to retire as best what works for them. Best of luck to everyone.

    by Cindy — March 6, 2020

  9. Another happy long-time California resident here.

    Like a lot of places where housing is expensive, if you’ve owned a home here for many years it’s not difficult to make lateral housing moves in retirement. Cashing out or downsizing can really plump your savings accounts.

    On the other hand, it’s very hard to move from a lower housing cost area to a higher housing cost area in retirement. Moving from a small house in rural Oklahoma to an equal sized house in San Francisco isn’t going to work.

    I’m ok with our taxes. Percentage wise, Americans pay far less in income and other taxes than our parents did back in the 1950s & 60s, which is how so many highways and schools were built during that era.

    It’s also important to most Californians that people with a little more help take care of those with less.
    I can live with that.

    by JCarol — March 7, 2020

  10. J Carol..
    Well stated. BTW, upstate NY is cheaper to live but I was raised in Buffalo and can’t deal with the snow or being a Snow Bird… Good luck with everyone!!

    by Mary11 — March 7, 2020

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