Planning for the future in uncertain times is not easy. With the future of Social Security being as uncertain as it is now, those close to retirement need to start evaluating their priorities and deciding whether their current lifestyle can be accommodated with their current savings. One of the easiest ways to increase our finances in retirement can be downsizing and moving to a cheaper state or town that can still offer all the benefits for growing old, but at a fraction of the cost of some of the major cost of living areas (like Florida) we tend to think of when we picture retirement.

But choosing where to go can be hard, as the country is big and not all areas can be as welcoming to retirees as we wish, so who better to illustrate us than real estate agents. This is the list we have come up with thanks to their recommendations.

1. Sioux Falls, South Dakota

Amy Stockberger, broker and owner at Amy Stockberger Real Estate, likes this town because of the good public transit, outdoor activities, good four season weather and low cost of living, represented by a median home price at a reasonable $358,000. She commented “With no state income tax, we offer a more economical lifestyle compared to many other states, along with access to top healthcare facilities, diverse attractions and Midwest charm.”

2. Colorado Springs, Colorado

Andrew Fortune, owner and REALTOR at Great Colorado Homes gushes about this town stating “Colorado Springs is showing up on more top 10 retirement communities lists than ever before, but home prices have been flat for the past two years, with prices slowly dropping in the higher sales prices. The temperature is warmer than the mountain towns, so retirees like to live in Colorado Springs and vacation in the mountains all year around. Downtown Colorado Springs and Manitou Springs have good walkability and charming turn of the century homes that are great for retirees.”

Another bonus point is that more houses are becoming available in the area, which could cool down prices, and with low property taxes on your side, this could be a great town to retire in.

3. Surprise, Arizona

Kevin Shahnazari, founder and CEO of FinlyWealth advocates for this little town in the suburbs of Phoenix “It’s a subtle price adjustment that’s going on right now for Surprise Recent interest rate hikes have chilled the demand, which has created an excellent time for buyers to step in. I got a property in Surprise for one of my clients for 8% below last year’s market value. Medical care is available, with Banner Health and Mayo Clinic having operations nearby. Add in the year-round sunshine and communities where one can often get around via a golf cart, and there’s little left to want.”

Plus, with no Social Security benefits taxes, an additional $2,500 deduction for other retirement income and a median home price of $465,000 it could be a great place to call home

4. Georgetown, Texas

Eric Bramlett, REALTOR and owner of Bramlett Real Estate encourages people to move to this Lone Star State town “Georgetown, known for its charming downtown and relaxed atmosphere, has long attracted retirees. With new developments continuing to emerge, there’s potential for prices to stabilize or decrease, creating an opportunity for buyers.”

Good healthcare, no state income tax, reasonable weather and a median home price of $423,800, are all attractive features of this town.

5. Durham, North Carolina

Rachel Stringer, a real estate agent at Raleigh Realty would like you to consider this attractive location “If you’re retiring and looking for a place that has good healthcare access and amenities, Durham could present some solid opportunities. I wouldn’t expect bargain prices, but compared to Raleigh, you might find more room to negotiate.”

The median home price in Durham is still an affordable $439,000, and if you are looking to downsize you may be paying even less.

6. Macon, Georgia

Charissa Bright, owner and founder of Bright Buys Houses endorses this Peach state town “One great place in Georgia for retirees where I expect home prices to drop is Macon. It’s a charming city where the market is cooling off a bit and it gives retirees a chance to find affordable homes while enjoying a peaceful and laidback lifestyle. Plus, its mild weather and lower costs make it perfect for retirees who want a cozy community without going broke.”

Other features include affordable living, good healthcare, and a walkable downtown with plenty of local shops and restaurants, plus a very low median home price just under $190,000

7. Cary, North Carolina

Another North Caolina offering from Stringer “Cary has always been popular, especially with people looking to settle down in a quieter setting that’s still close to everything. But, even there, we’re seeing a bit of a slowdown.”

A higher median home price of $624,900, but the market may be cooling down and it may be worth a second look for those looking for a mild climate.

8. Cedar Park, Texas

Another Lone Star state option, this town offers a more affordable option with easy access to city life than Austin. Homes here have a median price of $565,000, which is quite high, but as the area continues to grow, “price corrections” could make it even more budget-friendly, according to Bramlett. Retirees will appreciate perks like no state income tax, proximity to Austin’s healthcare, and plenty of parks and shopping, all without the high costs of living

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