Expert Reveals Underrated Retirement Cities Perfect for Retirees
Not everyone dreams of retiring on the beach. For many, the perfect retirement spot offers a rich cultural experience, access to healthcare and affordability without the crowds.
We spoke with Joe F. Schmitz, founder of Peak Retirement Planning, to share underrated cities that could be perfect for future retirees. These five cities may not be on most people’s minds, making them the perfect place for future retirees to enjoy their golden years.
Find Out: 4 Affordable Cities Where $3,000 a Month Covers Rent, Food and Entertainment
For You: 9 Subtly Genius Things All Wealthy People Do With Their Money — That You Should Do, Too
Pittsburgh
Pittsburgh is one of the overlooked cities for those who want to retire in the northeast. The city has plenty of entertainment and adventure activities, especially if you love sports. From historic architecture to museums and local festivals, the city offers a well-rounded lifestyle.
“From a financial standpoint, Pittsburgh has affordable housing, great healthcare, and the state of Pennsylvania has lower income tax rates compared to other states,” said Schmitz. However, “retirees should be aware that there are complexities when it comes to sales tax, inheritance tax and property tax, as these are significant sources of income for the state.”
Raleigh, North Carolina
According to Schmitz, “Raleigh has a number of cultural facilities and museums deeply rooted in their historic landmarks. Locals enjoy the beautiful weather surrounded by picturesque landscapes.”
The cost of living aligns with the national average, and access to public transportation makes it easy to get around. While it’s not directly on the coast, its proximity to North Carolina’s beaches offers the best of both worlds for retirees wanting occasional ocean views without beachfront property prices.
Greenville, South Carolina
The year-round mild weather and a lower cost of living will likely make Greenville a home for many retirees in the future. The city’s walkable downtown filled with restaurants, vibrant arts scene and several outdoor recreation activities make Greenville a more attractive retirement spot.
“Downtown has seen a rise in national presence for large Fortune 500 companies without losing that southern charm and small-town feel,” Schmitz added.
Fort Wayne, Indiana
If you want a quiet suburban life with access to essential amenities, Fort Wayne delivers. This Indiana city is family-friendly and filled with parks and trails, and housing costs can still feel reasonable for your budget.
“Fort Wayne is a great spot to take the grandkids and enjoy time with the family, all while in the heart of the Midwest,” Schmitz said.
Grand Rapids, Michigan
Surrounded by nature and set along Michigan’s longest river, Grand Rapids is a peaceful, scenic destination that’s perfect for retirees looking for a slower lifestyle. It offers a quiet retreat with access to hiking, fishing and small-town culture.
“Grand Rapids is a great place for people looking for a quiet getaway in the woods,” said Schmitz.
While not as flashy as larger metro areas, its calm atmosphere and strong sense of community make it stand out.
Summer spending adds up fast. Enter MoneyLion's Summer Break Giveaway for a chance to win $500— and give your budget a break. (No pur. nec. Ends 7/4/26. See Official Rules at mlion.info/summerbreakofficialrules)
This article was provided by MoneyLion.com for informational purposes only and should not be construed as financial, legal or tax advice.
More From MoneyLion: