50 Best (and Worst) Places To Retire If You Have No Savings



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                <h2>50 Best Places To Retire With No Savings</h2>Affordability is the key reason that these cities are the top 50 places to retire if you have no savings. Almost all have an average home price under $300,000 and score below 100 on the price parity index, which means the relative buying power in that city is better than the national average. Plus, retirees can hang on to more of their income in these places because Social Security income isn&#8217;t taxed.

Not only are these cities affordable places to live, but they’re also safe. Most experience fewer than 10 violent crimes per 1,000 residents and fewer than 50 property crimes per 1,000 residents.

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                <h2>50. Dayton, Ohio</h2><ul>
  • Percentage of population 65 and older: 12.56%
  • Average home price: $66,758
  • 1-year home price change: 0.82%
  • 5-year home price change: 13.11%
  • Tax on Social Security: No
  • Price parity index: 89
  • County health index: 0.92
  • Violent crime rate per 1,000 residents: 8.78
  • Property crime rate per 1,000 residents: 43.61
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                    <h2>49. Louisville, Kentucky</h2><ul>
    
  • Percentage of population 65 and older: 14.12%
  • Average home price: $213,466
  • 1-year home price change: 4.19%
  • 5-year home price change: 66.05%
  • Tax on Social Security: No
  • Price parity index: 90.9
  • County health index: 0.28
  • Violent crime rate per 1,000 residents: 6.89
  • Property crime rate per 1,000 residents: 43.88
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                    <h2>48. Green Bay, Wisconsin</h2><ul>
    
  • Percentage of population 65 and older: 12.25%
  • Average home price: $154,733
  • 1-year home price change: 14.51%
  • 5-year home price change: 43.52%
  • Tax on Social Security: No
  • Price parity index: 90.1
  • County health index: 0.43
  • Violent crime rate per 1,000 residents: 4.75
  • Property crime rate per 1,000 residents: 20.61
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                    <h2>47. Pittsburgh</h2><ul>
    
  • Percentage of population 65 and older: 14.23%
  • Average home price: $214,438
  • 1-year home price change: 1.3%
  • 5-year home price change: 39.97%
  • Tax on Social Security: No
  • Price parity index: 94
  • County health index: 0.51
  • Violent crime rate per 1,000 residents: 6.91
  • Property crime rate per 1,000 residents: 32.43
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                    <h2>46. Montgomery, Alabama</h2><ul>
    
  • Percentage of population 65 and older: 13.41%
  • Average home price: $148,975
  • 1-year home price change: 14.08%
  • 5-year home price change: 14%
  • Tax on Social Security: No
  • Price parity index: 89.1
  • County health index: 0.31 
  • Violent crime rate per 1,000 residents: 6.4
  • Property crime rate per 1,000 residents: 44.11
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                    <h2>45. Palm Bay, Florida</h2><ul>
    
  • Percentage of population 65 and older: 17.02%
  • Average home price: $193,817
  • 1-year home price change: 4.74%
  • 5-year home price change: 73.19%
  • Tax on Social Security: No
  • Price parity index: 95.9
  • County health index: 0.45 
  • Violent crime rate per 1,000 residents: 5.02
  • Property crime rate per 1,000 residents: 18.99
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                    <h2>44. Springfield, Illinois</h2><ul>
    
  • Percentage of population 65 and older: 16.1%
  • Average home price: $121,417
  • 1-year home price change: 5.5%
  • 5-year home price change: 4.3%
  • Tax on Social Security: No
  • Price parity index: 89.9
  • County health index: 0.75 
  • Violent crime rate per 1,000 residents: 10.82
  • Property crime rate per 1,000 residents: 48.43
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                    <h2>43. Corpus Christi, Texas</h2><ul>
    
  • Percentage of population 65 and older: 13.21%
  • Average home price: $212,325
  • 1-year home price change: 2.33%
  • 5-year home price change: 10.06%
  • Tax on Social Security: No
  • Price parity index: 93.8
  • County health index: 0.59
  • Violent crime rate per 1,000 residents: 7.28
  • Property crime rate per 1,000 residents: 36.28
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                    <h2>42. Winston-Salem, North Carolina</h2><ul>
    
  • Percentage of population 65 and older: 13.72%
  • Average home price: $187,217
  • 1-year home price change: 10.21%
  • 5-year home price change: 36.5%
  • Tax on Social Security: No
  • Price parity index: 88.7
  • County health index: 0.31
  • Violent crime rate per 1,000 residents: 6.1
  • Property crime rate per 1,000 residents: 38.06
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                    <h2>41. Lehigh Acres, Florida</h2><ul>
    
  • Percentage of population 65 and older: 12.08%
  • Average home price: $179,917
  • 1-year home price change: -0.05%
  • 5-year home price change: 71.5%
  • Tax on Social Security: No
  • Price parity index: 96.7
  • County health index: 0.16 
  • Violent crime rate per 1,000 residents: 4.61
  • Property crime rate per 1,000 residents: 16.02
  • Pictured: Fort Myers, Florida

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                    <h2>40. Huntsville, Alabama</h2><ul>
    
  • Percentage of population 65 and older: 15.23%
  • Average home price: $259,874
  • 1-year home price change: 5.95%
  • 5-year home price change: 45.76%
  • Tax on Social Security: No
  • Price parity index: 89.9
  • County health index: 0.06
  • Violent crime rate per 1,000 residents: 9.08
  • Property crime rate per 1,000 residents: 47.44
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                    <h2>39. Wilmington, North Carolina</h2><ul>
    
  • Percentage of population 65 and older: 15.53%
  • Average home price: $299,032
  • 1-year home price change: -0.74%
  • 5-year home price change: 31.48%
  • Tax on Social Security: No
  • Price parity index: 92.8
  • County health index: 0.19
  • Violent crime rate per 1,000 residents: 6.94
  • Property crime rate per 1,000 residents: 38.2
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                    <h2>38. Virginia Beach, Virginia</h2><ul>
    
  • Percentage of population 65 and older: 12.74%
  • Average home price: $313,800
  • 1-year home price change: 4.62%
  • 5-year home price change: 18.59%
  • Tax on Social Security: No
  • Price parity index: 97.6
  • County health index: 0.17 
  • Violent crime rate per 1,000 residents: 1.39
  • Property crime rate per 1,000 residents: 19.53
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                    <h2>37. Abilene, Texas</h2><ul>
    
  • Percentage of population 65 and older: 12.62%
  • Average home price: $189,058
  • 1-year home price change: 6.54%
  • 5-year home price change: 34.93
  • Tax on Social Security: No
  • Price parity index: 91.2
  • County health index: 0.67
  • Violent crime rate per 1,000 residents: 5.3
  • Property crime rate per 1,000 residents: 30.62
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                    <h2>36. Greensboro, North Carolina</h2><ul>
    
  • Percentage of population 65 and older: 13.28%
  • Average home price: $200,492
  • 1-year home price change: 7.32%
  • 5-year home price change: 31.55%
  • Tax on Social Security: No
  • Price parity index: 89.7
  • County health index: 0.21 
  • Violent crime rate per 1,000 residents: 7.8
  • Property crime rate per 1,000 residents: 36.09
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                    <h2>35. Toledo, Ohio</h2><ul>
    
  • Percentage of population 65 and older: 13.68%
  • Average home price: $82,281
  • 1-year home price change: 2.68%
  • 5-year home price change: 10.58%
  • Tax on Social Security: No
  • Price parity index: 87.7
  • County health index: 0.78 
  • Violent crime rate per 1,000 residents: 10.54
  • Property crime rate per 1,000 residents: 40.8
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                    <h2>34. Glendale, Arizona</h2><ul>
    
  • Percentage of population 65 and older: 16.47%
  • Average home price: $253,565
  • 1-year home price change: 4.04%
  • 5-year home price change: 40.62%
  • Tax on Social Security: No
  • Price parity index: 97.7
  • County health index: 0.07 
  • Violent crime rate per 1,000 residents: 4.93
  • Property crime rate per 1,000 residents: 45.77
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                    <h2>33. Shreveport, Louisiana</h2><ul>
    
  • Percentage of population 65 and older: 14.56%
  • Average home price: $165,846
  • 1-year home price change: -4.35%
  • 5-year home price change: 3.13%
  • Tax on Social Security: No
  • Price parity index: 88.7 
  • County health index: 0.7
  • Violent crime rate per 1,000 residents: 9.66
  • Property crime rate per 1,000 residents: 56.56
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                    <h2>32. Evansville, Indiana</h2><ul>
    
  • Percentage of population 65 and older: 15.48%
  • Average home price: $143,583
  • 1-year home price change: -4.46%
  • 5-year home price change: 49.91%
  • Tax on Social Security: No
  • Price parity index: 88.8
  • County health index: 0.88 
  • Violent crime rate per 1,000 residents: 6.94
  • Property crime rate per 1,000 residents: 50.36
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                    <h2>31. Pembroke Pines, Florida</h2><ul>
    
  • Percentage of population 65 and older: 16.49%
  • Average home price: $294,325
  • 1-year home price change: -1.67%
  • 5-year home price change: 20.41%
  • Tax on Social Security: No
  • Price parity index: 108.4
  • County health index: 0.21
  • Violent crime rate per 1,000 residents: 1.92
  • Property crime rate per 1,000 residents: 22.1
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                    <h2>30. Plano, Texas</h2><ul>
    
  • Percentage of population 65 and older: 12.13%
  • Average home price: $385,583
  • 1-year home price change: 0.62%
  • 5-year home price change: 29.97%
  • Tax on Social Security: No
  • Price parity index: 100.2
  • County health index: 0.02
  • Violent crime rate per 1,000 residents: 1.52
  • Property crime rate per 1,000 residents: 17.6
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                    <h2>29. Sioux Falls, South Dakota</h2><ul>
    
  • Percentage of population 65 and older: 11.95%
  • Average home price: $232,167
  • 1-year home price change: 0.11%
  • 5-year home price change: 33.54%
  • Tax on Social Security: No
  • Price parity index: 91.6
  • County health index: 0.34
  • Violent crime rate per 1,000 residents: 4.53
  • Property crime rate per 1,000 residents: 28.74
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                    <h2>28. Peoria, Illinois</h2><ul>
    
  • Percentage of population 65 and older: 14.3%
  • Average home price: $120,850
  • 1-year home price change: -7.8%
  • 5-year home price change: 0.4%
  • Tax on Social Security: No
  • Price parity index: 89.4
  • County health index: 0.88 
  • Violent crime rate per 1,000 residents: 7.68
  • Property crime rate per 1,000 residents: 42.61
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                    <h2>27. Akron, Ohio</h2><ul>
    
  • Percentage of population 65 and older: 14.17%
  • Average home price: $73,267
  • 1-year home price change: 10.21%
  • 5-year home price change: 17.07%
  • Tax on Social Security: No
  • Price parity index: 90.4
  • County health index: 0.6
  • Violent crime rate per 1,000 residents: 6.99
  • Property crime rate per 1,000 residents: 43.18
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                    <h2>26. Augusta, Georgia</h2><ul>
    
  • Percentage of population 65 and older: 12.76%
  • Average home price: $126,267
  • 1-year home price change: 0%
  • 5-year home price change: 15.15%
  • Tax on Social Security: No
  • Price parity index: 88.6
  • County health index: 0.79 
  • Violent crime rate per 1,000 residents: 3.52
  • Property crime rate per 1,000 residents: 39.15
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                    <h2>25. Warren, Michigan</h2><ul>
    
  • Percentage of population 65 and older: 15.57%
  • Average home price: $121,700
  • 1-year home price change: -0.08%
  • 5-year home price change: 57.45%
  • Tax on Social Security: No
  • Price parity index: 95.8
  • County health index: 0.65 
  • Violent crime rate per 1,000 residents: 5.12
  • Property crime rate per 1,000 residents: 21.73
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                    <h2>24. Charleston, South Carolina</h2><ul>
    
  • Percentage of population 65 and older: 13.87%
  • Average home price: $380,580
  • 1-year home price change: -0.65%
  • 5-year home price change: 15.27%
  • Tax on Social Security: No
  • Price parity index: 96.2
  • County health index: 0.07 
  • Violent crime rate per 1,000 residents: 2.97
  • Property crime rate per 1,000 residents: 24.82
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                    <h2>23. Hampton, Virginia</h2><ul>
    
  • Percentage of population 65 and older: 14.09%
  • Average home price: $182,623
  • 1-year home price change: -5.27%
  • 5-year home price change: 7.72%
  • Tax on Social Security: No
  • Price parity index: 97.6
  • County health index: 0.67 
  • Violent crime rate per 1,000 residents: 3.09
  • Property crime rate per 1,000 residents: 32.67
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                    <h2>22. Columbus, Georgia</h2><ul>
    
  • Percentage of population 65 and older: 12.22%
  • Average home price: $112,373
  • 1-year home price change: -8.3%
  • 5-year home price change: -19.6%
  • Tax on Social Security: No
  • Price parity index: 92.3
  • County health index: 0.63 
  • Violent crime rate per 1,000 residents: 6.75
  • Property crime rate per 1,000 residents: 45.8
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                    <h2>21. Clearwater, Florida</h2><ul>
    
  • Percentage of population 65 and older: 21.38%
  • Average home price: $261,125
  • 1-year home price change: 6%
  • 5-year home price change: 76.78%
  • Tax on Social Security: No
  • Price parity index: 98.9
  • County health index: 0.37 
  • Violent crime rate per 1,000 residents: 5
  • Property crime rate per 1,000 residents: 31.62
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                    <h2>20. Richardson, Texas</h2><ul>
    
  • Percentage of population 65 and older: 14.87%
  • Average home price: $343,133
  • 1-year home price change: -2.86%
  • 5-year home price change: 54.55%
  • Tax on Social Security: No
  • Price parity index: 100.2
  • County health index: 0.19
  • Violent crime rate per 1,000 residents: 1.68
  • Property crime rate per 1,000 residents: 21.41
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                    <h2>19. Henderson, Nevada</h2><ul>
    
  • Percentage of population 65 and older: 18.64%
  • Average home price: $367,321
  • 1-year home price change: 0.55%
  • 5-year home price change: 45.1%
  • Tax on Social Security: No
  • Price parity index: 97.5
  • County health index: 0.53 
  • Violent crime rate per 1,000 residents: 1.94
  • Property crime rate per 1,000 residents: 18.64
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                    <h2>18. Mesa, Arizona</h2><ul>
    
  • Percentage of population 65 and older: 15.84%
  • Average home price: $276,157
  • 1-year home price change: 5.59%
  • 5-year home price change: 37.35%
  • Tax on Social Security: No
  • Price parity index: 97.7
  • County health index: 0.07 
  • Violent crime rate per 1,000 residents: 4.12
  • Property crime rate per 1,000 residents: 21.54
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                    <h2>17. High Point, North Carolina</h2><ul>
    
  • Percentage of population 65 and older: 13.72%
  • Average home price: $160,383
  • 1-year home price change: 3.44%
  • 5-year home price change: 13.36%
  • Tax on Social Security: No
  • Price parity index: 89.7
  • County health index: 0.21 
  • Violent crime rate per 1,000 residents: 7.27
  • Property crime rate per 1,000 residents: 37.31
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                    <h2>16. Mobile, Alabama</h2><ul>
    
  • Percentage of population 65 and older: 15.53%
  • Average home price: $160,600
  • 1-year home price change: 0%
  • 5-year home price change: 13.8%
  • Tax on Social Security: No
  • Price parity index: 86.8
  • County health index: 0.43 
  • Violent crime rate per 1,000 residents: 7.59
  • Property crime rate per 1,000 residents: 55.94
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                    <h2>15. Fort Wayne, Indiana</h2><ul>
    
  • Percentage of population 65 and older: 13.37%
  • Average home price: $162,790
  • 1-year home price change: 1.36%
  • 5-year home price change: 49.46%
  • Tax on Social Security: No
  • Price parity index: 89.1
  • County health index: 0.5
  • Violent crime rate per 1,000 residents: 3.59
  • Property crime rate per 1,000 residents: 31.91
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                    <h2>14. Wichita Falls, Texas</h2><ul>
    
  • Percentage of population 65 and older: 12.99%
  • Average home price: $140,367
  • 1-year home price change: 5.38%
  • 5-year home price change: 20.85%
  • Tax on Social Security: No
  • Price parity index: 89
  • County health index: 0.74 
  • Violent crime rate per 1,000 residents: 3.66
  • Property crime rate per 1,000 residents: 31.7
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                    <h2>13. El Paso, Texas</h2><ul>
    
  • Percentage of population 65 and older: 12.21%
  • Average home price: $181,000
  • 1-year home price change: 7.79%
  • 5-year home price change: 17.51%
  • Tax on Social Security: No
  • Price parity index: 89.1
  • County health index: 0.46 
  • Violent crime rate per 1,000 residents: 3.87
  • Property crime rate per 1,000 residents: 18.89
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                    <h2>12. Peoria, Arizona</h2><ul>
    
  • Percentage of population 65 and older: 15.96%
  • Average home price: $332,347
  • 1-year home price change: 0.9%
  • 5-year home price change: 21.82%
  • Tax on Social Security: No
  • Price parity index: 97.7
  • County health index: 0.07 
  • Violent crime rate per 1,000 residents: 2.46
  • Property crime rate per 1,000 residents: 20.13
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                    <h2>11. Sterling Heights, Michigan</h2><ul>
    
  • Percentage of population 65 and older: 17.45%
  • Average home price: $209,300
  • 1-year home price change: 4.34%
  • 5-year home price change: 29.66%
  • Tax on Social Security: No
  • Price parity index: 95.8
  • County health index: 0.65 
  • Violent crime rate per 1,000 residents: 1.91
  • Property crime rate per 1,000 residents: 11.4
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                    <h2>10. Cedar Rapids, Iowa</h2><ul>
    
  • Percentage of population 65 and older: 14.32%
  • Average home price: $165,983
  • 1-year home price change: 0%
  • 5-year home price change: 30.43%
  • Tax on Social Security: No
  • Price parity index: 89.1
  • County health index: 0.49
  • Violent crime rate per 1,000 residents: 2.8
  • Property crime rate per 1,000 residents: 37.45
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                    <h2>9. Metairie, Louisiana</h2><ul>
    
  • Percentage of population 65 and older: 18.53%
  • Average home price: $285,425
  • 1-year home price change: 4.28%
  • 5-year home price change: 38.11%
  • Tax on Social Security: No
  • Price parity index: 95.2
  • County health index: 0.16 
  • Violent crime rate per 1,000 residents: 4.09
  • Property crime rate per 1,000 residents: 28.09
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                    <h2>8. Lafayette, Louisiana</h2><ul>
    
  • Percentage of population 65 and older: 13.08%
  • Average home price: $209,154
  • 1-year home price change: -1.83%
  • 5-year home price change: -3.44%
  • Tax on Social Security: No
  • Price parity index: 87.6
  • County health index: 0.06
  • Violent crime rate per 1,000 residents: 5.83
  • Property crime rate per 1,000 residents: 47.81
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                    <h2>7. Port St. Lucie, Florida</h2><ul>
    
  • Percentage of population 65 and older: 19.03%
  • Average home price: $247,180
  • 1-year home price change: 2.04%
  • 5-year home price change: 61.23%
  • Tax on Social Security: No
  • Price parity index: 97
  • County health index: 0.36 
  • Violent crime rate per 1,000 residents: 0.98
  • Property crime rate per 1,000 residents: 11.23
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                    <h2>6. Spring Hill, Florida</h2><ul>
    
  • Percentage of population 65 and older: 22.99%
  • Average home price: $180,708
  • 1-year home price change: 5.89%
  • 5-year home price change: 51.56%
  • Tax on Social Security: No
  • Price parity index: 98.9
  • County health index: 0.6 
  • Violent crime rate per 1,000 residents: 2.67
  • Property crime rate per 1,000 residents: 16.96
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                    <h2>5. Lakeland, Florida</h2><ul>
    
  • Percentage of population 65 and older: 21.91%
  • Average home price: $200,680
  • 1-year home price change: 4.55%
  • 5-year home price change: 67.6%
  • Tax on Social Security: No
  • Price parity index: 93
  • County health index: 0.48 
  • Violent crime rate per 1,000 residents: 2.87
  • Property crime rate per 1,000 residents: 37.3
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                    <h2>4. McAllen, Texas</h2><ul>
    
  • Percentage of population 65 and older: 12.38%
  • Average home price: $216,789
  • 1-year home price change: 4.05%
  • 5-year home price change: 24.86%
  • Tax on Social Security: No
  • Price parity index: 84
  • County health index: 0.28 
  • Violent crime rate per 1,000 residents: 1.46
  • Property crime rate per 1,000 residents: 28.08
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                    <h2>3. Broken Arrow, Oklahoma</h2><ul>
    
  • Percentage of population 65 and older: 13.18%
  • Average home price: $209,771
  • 1-year home price change: -4.38%
  • 5-year home price change: 22.92%
  • Tax on Social Security: No
  • Price parity index: 90.4
  • County health index: 0.17 
  • Violent crime rate per 1,000 residents: 1.25
  • Property crime rate per 1,000 residents: 21.92
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                    <h2>2. Surprise, Arizona</h2><ul>
    
  • Percentage of population 65 and older: 22.5%
  • Average home price: $267,548
  • 1-year home price change: 4.59%
  • 5-year home price change: 39.28%
  • Tax on Social Security: No
  • Price parity index: 97.7
  • County health index: 0.07 
  • Violent crime rate per 1,000 residents: 0.89
  • Property crime rate per 1,000 residents: 18.06
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                    <h2>1. Cape Coral, Florida</h2><ul>
    
  • Percentage of population 65 and older: 21.88%
  • Average home price: $262,509
  • 1-year home price change: 2.62%
  • 5-year home price change: 45.51%
  • Tax on Social Security: No
  • Price parity index: 96.7
  • County health index: 0.16 
  • Violent crime rate per 1,000 residents: 1.28
  • Property crime rate per 1,000 residents: 15.79
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                    <h2>50 Worst Places To Retire With No Savings</h2>It likely comes as no surprise that most of the worst places to retire with no savings aren&#8217;t very affordable. Almost all of these cities exceed 100 on the price parity index, which means that the relative buying power is lower than the national average. And, the average home price in many of these cities is well above $300,000.
    

    While some of the worst places to retire with no savings are comparable to the best places in terms of living costs, these cities didn’t rank among the top due to their high crime rates or other factors, such as Social Security income being taxed.

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                    <h2>50. Springfield, Missouri</h2><ul>
    
  • Percentage of population 65 and older: 14.87%
  • Average home price: $154,842
  • 1-year home price change: 6.46%
  • 5-year home price change: 37.42%
  • Tax on Social Security: Yes
  • Price parity index: 87
  • County health index: 0.53 
  • Violent crime rate per 1,000 residents: 13.5
  • Property crime rate per 1,000 residents: 89.93
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                    <h2>49. Buffalo, New York</h2><ul>
    
  • Percentage of population 65 and older: 12.15%
  • Average home price: $103,575
  • 1-year home price change: 20.76%
  • 5-year home price change: 70.6%
  • Tax on Social Security: No
  • Price parity index: 94.9
  • County health index: 0.9
  • Violent crime rate per 1,000 residents: 10.22
  • Property crime rate per 1,000 residents: 39.77
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                    <h2>48. Thousand Oaks, California</h2><ul>
    
  • Percentage of population 65 and older: 17.94%
  • Average home price: $793,650
  • 1-year home price change: -3.04%
  • 5-year home price change: 12.66%
  • Tax on Social Security: No
  • Price parity index: 117.1
  • County health index: 0.16
  • Violent crime rate per 1,000 residents: 1.34
  • Property crime rate per 1,000 residents: 13.4
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                    <h2>47. Arvada, Colorado</h2><ul>
    
  • Percentage of population 65 and older: 16.05%
  • Average home price: $474,058
  • 1-year home price change: 1.87%
  • 5-year home price change: 35.97%
  • Tax on Social Security: Yes
  • Price parity index: 106.3
  • County health index: 0.13
  • Violent crime rate per 1,000 residents: 1.62
  • Property crime rate per 1,000 residents: 27.79
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                    <h2>46. Waterbury, Connecticut</h2><ul>
    
  • Percentage of population 65 and older: 12.89%
  • Average home price: $127,900
  • 1-year home price change: 5.47%
  • 5-year home price change: 17.14%
  • Tax on Social Security: No
  • Price parity index: 110.8
  • County health index: 0.88
  • Violent crime rate per 1,000 residents: 5.01
  • Property crime rate per 1,000 residents: 38.07
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                    <h2>45. Pueblo, Colorado</h2><ul>
    
  • Percentage of population 65 and older: 17.22%
  • Average home price: $224,267
  • 1-year home price change: 2.23%
  • 5-year home price change: 60.76%
  • Tax on Social Security: Yes
  • Price parity index: 91.2
  • County health index: 0.93
  • Violent crime rate per 1,000 residents: 10.5
  • Property crime rate per 1,000 residents: 61.57
  •             <div class="gallery-item">
                    <h2>44. Spring Valley, California</h2><ul>
    
  • Percentage of population 65 and older: 13.53%
  • Average home price: $474,058
  • 1-year home price change: -2.46%
  • 5-year home price change: 35.75%
  • Tax on Social Security: No
  • Price parity index: 116
  • County health index: 0.17
  • Violent crime rate per 1,000 residents: 5.57
  • Property crime rate per 1,000 residents: 14.61
  •             <div class="gallery-item">
                    <h2>43. Albuquerque, New Mexico</h2><ul>
    
  • Percentage of population 65 and older: 14.16%
  • Average home price: $227,983
  • 1-year home price change: 2.77%
  • 5-year home price change: 19.29%
  • Tax on Social Security: Yes
  • Price parity index: 95.7
  • County health index: 0.16
  • Violent crime rate per 1,000 residents: 13.89
  • Property crime rate per 1,000 residents: 75.59
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                    <h2>42. St. Louis</h2><ul>
    
  • Percentage of population 65 and older: 12.11%
  • Average home price: $154,258
  • 1-year home price change: 3.39%
  • 5-year home price change: 32.03%
  • Tax on Social Security: Yes
  • Price parity index: 91.4
  • County health index: 0.16
  • Violent crime rate per 1,000 residents: 20.93
  • Property crime rate per 1,000 residents: 60.92
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                    <h2>41. Centennial, Colorado</h2><ul>
    
  • Percentage of population 65 and older: 14.61%
  • Average home price: $474,749
  • 1-year home price change: 5.67%
  • 5-year home price change: 38.97%
  • Tax on Social Security: Yes
  • Price parity index: 106.3
  • County health index: 0.17
  • Violent crime rate per 1,000 residents: 1.38
  • Property crime rate per 1,000 residents: 21.08
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                    <h2>40. Simi Valley, California</h2><ul>
    
  • Percentage of population 65 and older: 13.85%
  • Average home price: $605,025
  • 1-year home price change: 0.23%
  • 5-year home price change: 22.22%
  • Tax on Social Security: No
  • Price parity index: 117.1
  • County health index: 0.16
  • Violent crime rate per 1,000 residents: 1.46
  • Property crime rate per 1,000 residents: 14.71
  •             <div class="gallery-item">
                    <h2>39. Chula Vista, California</h2><ul>
    
  • Percentage of population 65 and older: 11.94%
  • Average home price: $531,132
  • 1-year home price change: -2.77%
  • 5-year home price change: 37.62%
  • Tax on Social Security: No
  • Price parity index: 116
  • County health index: 0.17
  • Violent crime rate per 1,000 residents: 3.02
  • Property crime rate per 1,000 residents: 14.73
  •             <div class="gallery-item">
                    <h2>38. Stockton, California</h2><ul>
    
  • Percentage of population 65 and older: 11.76%
  • Average home price: $306,625
  • 1-year home price change: 3.04%
  • 5-year home price change: 46.18%
  • Tax on Social Security: No
  • Price parity index: 99.5
  • County health index: 0.76
  • Violent crime rate per 1,000 residents: 14.25
  • Property crime rate per 1,000 residents: 37.9
  •             <div class="gallery-item">
                    <h2>37. Carlsbad, California</h2><ul>
    
  • Percentage of population 65 and older: 15.98%
  • Average home price: $872,224
  • 1-year home price change: -9.74%
  • 5-year home price change: 16.82%
  • Tax on Social Security: No
  • Price parity index: 116
  • County health index: 0.17
  • Violent crime rate per 1,000 residents: 2.17
  • Property crime rate per 1,000 residents: 19.53
  •             <div class="gallery-item">
                    <h2>36. Oceanside, California</h2><ul>
    
  • Percentage of population 65 and older: 15.14%
  • Average home price: $569,577
  • 1-year home price change: 2.51%
  • 5-year home price change: 30.29%
  • Tax on Social Security: No
  • Price parity index: 116
  • County health index: 0.17
  • Violent crime rate per 1,000 residents: 3.97
  • Property crime rate per 1,000 residents: 23.58
  •             <div class="gallery-item">
                    <h2>35. Ventura, California</h2><ul>
    
  • Percentage of population 65 and older: 15.59%
  • Average home price: $603,475
  • 1-year home price change: -3.09%
  • 5-year home price change: 19.98%
  • Tax on Social Security: No
  • Price parity index: 117.1
  • County health index: 0.16
  • Violent crime rate per 1,000 residents: 4.16
  • Property crime rate per 1,000 residents: 33.16
  •             <div class="gallery-item">
                    <h2>34. Philadelphia</h2><ul>
    
  • Percentage of population 65 and older: 12.93%
  • Average home price: $227,433
  • 1-year home price change: 6.67%
  • 5-year home price change: 50.03%
  • Tax on Social Security: No
  • Price parity index: 105.4
  • County health index: 1
  • Violent crime rate per 1,000 residents: 9.45
  • Property crime rate per 1,000 residents: 30.54
  •             <div class="gallery-item">
                    <h2>33. Colorado Springs, Colorado</h2><ul>
    
  • Percentage of population 65 and older: 12.73%
  • Average home price: $334,133
  • 1-year home price change: 5.61%
  • 5-year home price change: 36.14%
  • Tax on Social Security: Yes
  • Price parity index: 99.6
  • County health index: 0.58
  • Violent crime rate per 1,000 residents: 5.35
  • Property crime rate per 1,000 residents: 32.96
  •             <div class="gallery-item">
                    <h2>32. Stamford, Connecticut</h2><ul>
    
  • Percentage of population 65 and older: 13.82%
  • Average home price: $564,817
  • 1-year home price change: 1.88%
  • 5-year home price change: 2.8%
  • Tax on Social Security: No
  • Price parity index: 119.1
  • County health index: 0.25
  • Violent crime rate per 1,000 residents: 2.23
  • Property crime rate per 1,000 residents: 15.18
  •             <div class="gallery-item">
                    <h2>31. Fullerton, California</h2><ul>
    
  • Percentage of population 65 and older: 12.67%
  • Average home price: $658,401
  • 1-year home price change: -5.57%
  • 5-year home price change: 21.75%
  • Tax on Social Security: No
  • Price parity index: 117.1
  • County health index: 0.09
  • Violent crime rate per 1,000 residents: 2.13
  • Property crime rate per 1,000 residents: 29.53
  •             <div class="gallery-item">
                    <h2>30. Miami Gardens, Florida</h2><ul>
    
  • Percentage of population 65 and older: 12.41%
  • Average home price: $250,667
  • 1-year home price change: 12.61%
  • 5-year home price change: 135.45%
  • Tax on Social Security: No
  • Price parity index: 108.4
  • County health index: 0.08
  • Violent crime rate per 1,000 residents: 7.91
  • Property crime rate per 1,000 residents: 33.03
  •             <div class="gallery-item">
                    <h2>29. Honolulu</h2><ul>
    
  • Percentage of population 65 and older: 19.24%
  • Average home price: $646,500
  • 1-year home price change: 0%
  • 5-year home price change: 27.93%
  • Tax on Social Security: No
  • Price parity index: 124.7
  • County health index: 0.25
  • Violent crime rate per 1,000 residents: 3.15
  • Property crime rate per 1,000 residents: 33.62
  •             <div class="gallery-item">
                    <h2>28. West Covina, California</h2><ul>
    
  • Percentage of population 65 and older: 14.16%
  • Average home price: $587,891
  • 1-year home price change: -0.84%
  • 5-year home price change: 28.29%
  • Tax on Social Security: No
  • Price parity index: 117.1
  • County health index: 0.4
  • Violent crime rate per 1,000 residents: 2.6
  • Property crime rate per 1,000 residents: 25.57
  •             <div class="gallery-item">
                    <h2>27. Garden Grove, California</h2><ul>
    
  • Percentage of population 65 and older: 13.21%
  • Average home price: $605,664
  • 1-year home price change: -0.24%
  • 5-year home price change: 31.75%
  • Tax on Social Security: No
  • Price parity index: 117.1
  • County health index: 0.09
  • Violent crime rate per 1,000 residents: 3.46
  • Property crime rate per 1,000 residents: 25.01
  •             <div class="gallery-item">
                    <h2>26. Tacoma, Washington</h2><ul>
    
  • Percentage of population 65 and older: 12.98%
  • Average home price: $303,142
  • 1-year home price change: 3.33%
  • 5-year home price change: 55.04%
  • Tax on Social Security: No
  • Price parity index: 111.8
  • County health index: 0.51
  • Violent crime rate per 1,000 residents: 8.24
  • Property crime rate per 1,000 residents: 56.73
  •             <div class="gallery-item">
                    <h2>25. Lakewood, Colorado</h2><ul>
    
  • Percentage of population 65 and older: 15.93%
  • Average home price: $428,575
  • 1-year home price change: 2.33%
  • 5-year home price change: 47.42%
  • Tax on Social Security: Yes
  • Price parity index: 106.3
  • County health index: 0.13
  • Violent crime rate per 1,000 residents: 6.5
  • Property crime rate per 1,000 residents: 49.13
  •             <div class="gallery-item">
                    <h2>24. El Cajon, California</h2><ul>
    
  • Percentage of population 65 and older: 11.79%
  • Average home price: $535,167
  • 1-year home price change: 1.69%
  • 5-year home price change: 37.59%
  • Tax on Social Security: No
  • Price parity index: 116
  • County health index: 0.17
  • Violent crime rate per 1,000 residents: 4.16
  • Property crime rate per 1,000 residents: 22.81
  •             <div class="gallery-item">
                    <h2>23. Westminister, Colorado</h2><ul>
    
  • Percentage of population 65 and older: 12.04%
  • Average home price: $390,308
  • 1-year home price change: 0%
  • 5-year home price change: 49.06%
  • Tax on Social Security: Yes
  • Price parity index: 106.3
  • County health index: 0.52
  • Violent crime rate per 1,000 residents: 2.44
  • Property crime rate per 1,000 residents: 32.51
  •             <div class="gallery-item">
                    <h2>22. Huntington Beach, California</h2><ul>
    
  • Percentage of population 65 and older: 16.85%
  • Average home price: $880,325
  • 1-year home price change: 2.42%
  • 5-year home price change: 22.93%
  • Tax on Social Security: No
  • Price parity index: 117.1
  • County health index: 0.09
  • Violent crime rate per 1,000 residents: 2.29
  • Property crime rate per 1,000 residents: 21.28
  •             <div class="gallery-item">
                    <h2>21. El Monte, California</h2><ul>
    
  • Percentage of population 65 and older: 12.62%
  • Average home price: $524,115
  • 1-year home price change: -0.11%
  • 5-year home price change: 26.06%
  • Tax on Social Security: No
  • Price parity index: 117.1
  • County health index: 0.4
  • Violent crime rate per 1,000 residents: 3.93
  • Property crime rate per 1,000 residents: 24.43
  •             <div class="gallery-item">
                    <h2>20. Bellevue, Washington</h2><ul>
    
  • Percentage of population 65 and older: 14.12%
  • Average home price: $973,420
  • 1-year home price change: -6.02%
  • 5-year home price change: 35.71%
  • Tax on Social Security: No
  • Price parity index: 111.8
  • County health index: 0.05
  • Violent crime rate per 1,000 residents: 1
  • Property crime rate per 1,000 residents: 28.9
  •             <div class="gallery-item">
                    <h2>19. Baltimore</h2><ul>
    
  • Percentage of population 65 and older: 12.79%
  • Average home price: $161,614
  • 1-year home price change: 2.97%
  • 5-year home price change: 41.7%
  • Tax on Social Security: No
  • Price parity index: 107.2
  • County health index: 1
  • Violent crime rate per 1,000 residents: 20.42
  • Property crime rate per 1,000 residents: 50.13
  •             <div class="gallery-item">
                    <h2>18. Santa Rosa, California</h2><ul>
    
  • Percentage of population 65 and older: 15.66%
  • Average home price: $611,304
  • 1-year home price change: 0.95%
  • 5-year home price change: 41.43%
  • Tax on Social Security: No
  • Price parity index: 123.5
  • County health index: 0.14
  • Violent crime rate per 1,000 residents: 4.13
  • Property crime rate per 1,000 residents: 19.27
  •             <div class="gallery-item">
                    <h2>17. San Diego</h2><ul>
    
  • Percentage of population 65 and older: 12%
  • Average home price: $699,083
  • 1-year home price change: 0.37%
  • 5-year home price change: 38.44%
  • Tax on Social Security: No
  • Price parity index: 116
  • County health index: 0.17
  • Violent crime rate per 1,000 residents: 3.72
  • Property crime rate per 1,000 residents: 19.3
  •             <div class="gallery-item">
                    <h2>16. Fairfield, California</h2><ul>
    
  • Percentage of population 65 and older: 11.87%
  • Average home price: $492,355
  • 1-year home price change: -0.98%
  • 5-year home price change: 30.3%
  • Tax on Social Security: No
  • Price parity index: 120
  • County health index: 0.38
  • Violent crime rate per 1,000 residents: 4.71
  • Property crime rate per 1,000 residents: 28.08
  •             <div class="gallery-item">
                    <h2>15. Vallejo, California</h2><ul>
    
  • Percentage of population 65 and older: 14.69%
  • Average home price: $420,022
  • 1-year home price change: 1.67%
  • 5-year home price change: 59.21%
  • Tax on Social Security: No
  • Price parity index: 120
  • County health index: 0.38
  • Violent crime rate per 1,000 residents: 8.6
  • Property crime rate per 1,000 residents: 37.76
  •             <div class="gallery-item">
                    <h2>14. Torrance, California</h2><ul>
    
  • Percentage of population 65 and older: 16.47%
  • Average home price: $827,667
  • 1-year home price change: 9.49%
  • 5-year home price change: 33.28%
  • Tax on Social Security: No
  • Price parity index: 117.1
  • County health index: 0.4
  • Violent crime rate per 1,000 residents: 1.89
  • Property crime rate per 1,000 residents: 22.52
  •             <div class="gallery-item">
                    <h2>13. Seattle</h2><ul>
    
  • Percentage of population 65 and older: 12.07%
  • Average home price: $693,790
  • 1-year home price change: -3.59%
  • 5-year home price change: 55.33%
  • Tax on Social Security: No
  • Price parity index: 111.8
  • County health index: 0.05
  • Violent crime rate per 1,000 residents: 6.33
  • Property crime rate per 1,000 residents: 54.3
  •             <div class="gallery-item">
                    <h2>12. Concord, California</h2><ul>
    
  • Percentage of population 65 and older: 14.2%
  • Average home price: $573,992
  • 1-year home price change: -0.17%
  • 5-year home price change: 36.08%
  • Tax on Social Security: No
  • Price parity index: 128
  • County health index: 0.19
  • Violent crime rate per 1,000 residents: 3.64
  • Property crime rate per 1,000 residents: 35.45
  •             <div class="gallery-item">
                    <h2>11. Pasadena, California</h2><ul>
    
  • Percentage of population 65 and older: 15.52%
  • Average home price: $890,908
  • 1-year home price change: -0.56%
  • 5-year home price change: 35.62%
  • Tax on Social Security: No
  • Price parity index: 117.1
  • County health index: 0.4
  • Violent crime rate per 1,000 residents: 4.07
  • Property crime rate per 1,000 residents: 21.48
  •             <div class="gallery-item">
                    <h2>10. Burbank, California</h2><ul>
    
  • Percentage of population 65 and older: 15.07%
  • Average home price: $851,146
  • 1-year home price change: 4.83%
  • 5-year home price change: 39.33%
  • Tax on Social Security: No
  • Price parity index: 117.1
  • County health index: 0.4
  • Violent crime rate per 1,000 residents: 2.45
  • Property crime rate per 1,000 residents: 28.25
  •             <div class="gallery-item">
                    <h2>9. Daly City, California</h2><ul>
    
  • Percentage of population 65 and older: 16.27%
  • Average home price: $891,413
  • 1-year home price change: 0.05%
  • 5-year home price change: 42.89%
  • Tax on Social Security: No
  • Price parity index: 128
  • County health index: 0.03
  • Violent crime rate per 1,000 residents: 2.52
  • Property crime rate per 1,000 residents: 14.9
  •             <div class="gallery-item">
                    <h2>8. New York</h2><ul>
    
  • Percentage of population 65 and older: 13.65%
  • Average home price: $795,667
  • 1-year home price change: 0%
  • 5-year home price change: 49.35%
  • Tax on Social Security: No
  • Price parity index: 122.3
  • County health index: 0.13
  • Violent crime rate per 1,000 residents: 4.76
  • Property crime rate per 1,000 residents: 16.41
  •             <div class="gallery-item">
                    <h2>7. Fremont, California</h2><ul>
    
  • Percentage of population 65 and older: 11.78%
  • Average home price: $1,009,392
  • 1-year home price change: -8.09%
  • 5-year home price change: 41.04%
  • Tax on Social Security: No
  • Price parity index: 128
  • County health index: 0.21
  • Violent crime rate per 1,000 residents: 2.03
  • Property crime rate per 1,000 residents: 23.05
  •             <div class="gallery-item">
                    <h2>6. San Jose, California</h2><ul>
    
  • Percentage of population 65 and older: 11.86%
  • Average home price: $975,667
  • 1-year home price change: -0.8%
  • 5-year home price change: 46.67%
  • Tax on Social Security: No
  • Price parity index: 128
  • County health index: 0.05
  • Violent crime rate per 1,000 residents: 4.14
  • Property crime rate per 1,000 residents: 24.92
  •             <div class="gallery-item">
                    <h2>5. Oakland, California</h2><ul>
    
  • Percentage of population 65 and older: 12.55%
  • Average home price: $684,165
  • 1-year home price change: 1.45%
  • 5-year home price change: 52.5%
  • Tax on Social Security: No
  • Price parity index: 128
  • County health index: 0.21
  • Violent crime rate per 1,000 residents: 13.18
  • Property crime rate per 1,000 residents: 61.2
  •             <div class="gallery-item">
                    <h2>4. Berkeley, California</h2><ul>
    
  • Percentage of population 65 and older: 13.54%
  • Average home price: $981,983
  • 1-year home price change: 5.03%
  • 5-year home price change: 43.9%
  • Tax on Social Security: No
  • Price parity index: 128
  • County health index: 0.21
  • Violent crime rate per 1,000 residents: 6.21
  • Property crime rate per 1,000 residents: 57
  •             <div class="gallery-item">
                    <h2>3. San Mateo, California</h2><ul>
    
  • Percentage of population 65 and older: 15.19%
  • Average home price: $1,343,741
  • 1-year home price change: 4.17%
  • 5-year home price change: 75.09%
  • Tax on Social Security: No
  • Price parity index: 128
  • County health index: 0.03
  • Violent crime rate per 1,000 residents: 2.61
  • Property crime rate per 1,000 residents: 20.6
  •             <div class="gallery-item">
                    <h2>2. Sunnyvale, California</h2><ul>
    
  • Percentage of population 65 and older: 11.98%
  • Average home price: $1,494,333
  • 1-year home price change: -1.58%
  • 5-year home price change: 83.33%
  • Tax on Social Security: No
  • Price parity index: 128
  • County health index: 0.05
  • Violent crime rate per 1,000 residents: 1.25
  • Property crime rate per 1,000 residents: 17.62
  •             <div class="gallery-item">
                    <h2>1. San Francisco</h2><ul>
    
  • Percentage of population 65 and older: 14.85%
  • Average home price: $1,288,667
  • 1-year home price change: 3.6%
  • 5-year home price change: 39.4%
  • Tax on Social Security: No
  • Price parity index: 128
  • County health index: 0.1
  • Violent crime rate per 1,000 residents: 7.25
  • Property crime rate per 1,000 residents: 62.48
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    Methodology: GOBankingRates analyzed 150 cities to discover the best and worst places to retire if you have no savings. First, GOBankingRates took the top 300 U.S. cities in terms of population and found (1) the percentage of the population ages 65 and older, sourced from the United States Census Bureau’s 2017 American Community Survey’s five-year estimates. From there, the top 150 cities with the largest populations of people ages 65 and older were analyzed along the following factors: (2) average home price from January 2019 to June 2019, sourced from Zillow; (3) one-year percentage change in home prices; (4) five-year percentage change in home prices; (5) livability score, sourced from AreaVibes; (6) whether or not the state taxes Social Security benefits, sourced from the AARP; (7) price parity index, sourced from the United States Bureau of Economic Analysis’ 2017 Metro Statistical Area Price Parity Report; (8) county health index, sourced from the University of Wisconsin Population Health Institute’s 2019 County Health Rankings, where every county was given a ranking that GOBankingRates then divided by the total number of counties in the state to produce an index number; (9) violent crime rate per 1,000 residents, sourced from Neighborhood Scout; and (10) property crime rate per 1,000 residents, sourced from Neighborhood Scout. These 10 factors were ranked and scored individually, with a lower score being best. The 10 scores were then combined to produce a cumulative final ranking. In order to stress the importance of affordability for retirees with no savings, factor No. 2 (average home price from January 2019 to June 2019) was given a score weighted five times as much as the other factors, factor No. 7 (price parity index) was weighted triple, factor No. 6 (taxes on Social Security) was weighted double, and factor No. 1 (percentage of population 65 and older) was weighted 1 1/2 times. All data used to conduct this study was compiled and verified on Aug. 15, 2019.

    This article originally appeared on GOBankingRates.com: 50 Best (and Worst) Places To Retire If You Have No Savings



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