Retirement Planning, Elder Law, and Senior Finance

8/16/2023 | By Kiplinger Editors

With housing prices steep and mortgage rates high, renting rather than buying may be the money-wise option for retirees looking to relocate. Of course, just as the price of a single-family home varies dramatically across the country, so does the cost of renting. Kiplinger’s has identified eight top places for renters to retire.

RentCafe, an apartment listing service, cataloged the square footage you can get for $1,500 a month. Not surprisingly, Manhattan was at the bottom of the list: $1,500 will pay for just 243 square feet — basically a walk-in closet. But head to the Midwest or the South and $1,500 will get you more than three times as much space: more than 1,460 square feet in Wichita, for example, or 1,238 in Fayetteville, North Carolina.

Kiplinger’s Personal Finance magazine, using data from Zumper and Zillow as well as its own research, identified eight cities that are attractive and affordable for retirees who want to rent. Criteria included cost of living, quality hospitals and physicians, plenty of green space, and retiree-friendly amenities, such as free classes at local colleges and universities.

Because one factor high on retirees’ list of where to relocate is proximity to family, we chose locations spread across the United States. That means not all the cities on our list are in snow-free climates or income-tax-friendly states.

8 top places for renters to retire:

Tallahassee, Florida

  • Population: 201,731
  • Typical monthly mortgage payment: $1,354
  • Typical monthly rent: $1,385
  • Number of hospitals within 25 miles: 3
  • What retirees love: St. Marks National Wildlife Refuge

Birmingham, Alabama

  • Population: 197,575
  • Typical monthly mortgage payment: $504
  • Typical monthly rent: $1,194
  • Number of hospitals within 25 miles: 13
  • What retirees love: Pepper Place Farmers Market

Raleigh, North Carolina

  • Population: 469,124
  • Typical monthly mortgage payment: $2,132
  • Typical monthly rent: $1,656
  • Number of hospitals within 25 miles: 11
  • What retirees love: Film screenings at the Gregg Museum of Art & Design

Pittsfield, Massachusetts

  • Population: 43,641
  • Typical monthly mortgage payment: $1,338
  • Typical monthly rent: $1,433
  • Number of hospitals within 25 miles: 2
  • What retirees love: Summer concerts at Tanglewood
A house for sale. Some great places for renters to retire.

Columbus, Ohio

  • Population: 905,748
  • Typical monthly mortgage payment: $1,196
  • Typical monthly rent: $1,423
  • Number of hospitals within 25 miles: 9
  • What retirees love: Franklin Conservatory and Botanical Gardens

Ann Arbor, Michigan

  • Population: 123,851
  • Typical monthly mortgage payment: $2,356
  • Typical monthly rent: $2,197
  • Number of hospitals within 25 miles: 6
  • What retirees love: Ann Arbor Art Fair

Spokane, Washington

  • Population: 230,160
  • Typical monthly mortgage payment: $1,907
  • Typical monthly rent: $1,450
  • Number of hospitals within 25 miles: 9
  • What retirees love: The 40-mile Centennial Trail

San Antonio, Texas

  • Population: 1.45 million
  • Typical monthly mortgage payment: $1,333
  • Typical monthly rent: $1,463
  • Number of hospitals within 25 miles: 17
  • What retirees love: Performances at the 94-year-old Majestic Theater

For more on this and similar money topics, visit Kiplinger.com.

©2023 The Kiplinger Washington Editors, Inc. Distributed by Tribune Content Agency, LLC.

Read similar articles about renting as a retiree on Seniors Guide: The Benefits of Renting for Retirees

Kiplinger Editors