7 Cost-Effective Towns In Idaho For Retirees
Idaho has become an increasingly popular retirement destination, primarily for its affordability, which allows retirees to maintain a high quality of life without financial strain. Paired with its stunning natural beauty and exceptionally low crime rate, the state offers a budget-friendly yet fulfilling retirement experience.
One of the key reasons Idaho is considered one of the most affordable states to retire is its exemption of Social Security retirement benefits from state taxes. The overall cost of living in Idaho is estimated to be 6% below the national average, and low property taxes make homeownership more accessible. These factors make Idaho an ideal choice for retirees looking to maximize their value savings.
From Salmon's scenic landscapes to Blackfoot's welcoming communities, read on to explore the best places to retire in the Gem State.
Salmon
Salmon is one of the best affordable towns for seniors to retire in, prioritizing a nature-centric and peaceful experience. Though set in a suburban environment with a small community of 3,169 residents, the town maintains a lively central district and a thriving local business scene.
Notable destinations include the Salmon Arts Council, which hosts many popular local events, and the Mountain Harvest Community Market, where locally grown, affordable fresh produce and farm goods are sold. The average home price in Salmon was valued at $478,000, while rent for a single-bedroom home is estimated to be $1,500. Adding to the town’s appeal is the abundance of healthcare centers in town, with Steele Memorial Medical Center and the Salmon River Clinic PLLC being some of the top-rated in the area.
Chubbuck
The small town of Chubbuck ranks as cost-effective for its cost of living, which has been valued at 16% less than the national average and 15% less than other communities in Idaho, according to the Economic Research Institute. This affordable small town sits in the foothills of the U.S. Rocky Mountains, making it an ideal retirement destination for seniors looking to enjoy their golden years in a scenic, peaceful environment with crisp mountain breezes. With average home prices at $421,450 and single-bedroom rent at $1,050, Chubbuck offers one of the most affordable retirement lifestyles available. Despite being a small town of just 16,362 residents, there is no shortage of senior homes in the area, with some of the top-ranked being Ashley Manor Memory Care and Brookdale Chubbuck, offering a homely and welcoming atmosphere. The nearest reliable healthcare facility in town is Portneuf Medical Center, sitting just 5.2 miles from the town’s center.
Jerome
With its strong agricultural base and access to affordable local goods, Jerome stands out as a budget-friendly option for retirees. The cost of living is estimated to be 10% below the national average and 9% lower than other Idaho communities. Affordable shopping options include the farmers market at Moss Greenhouses, held on Saturdays, and Peters Family Farm, both offering fresh, locally produced goods.
Home prices in Jerome were valued at $409,900 on average, while rental prices for a single-bedroom apartment are valued at $1,050. Just 15.5 miles away from Jerome is the city of Twin Falls, which adds to Jerome’s appeal as it offers easy access to big-city amenities like St. Luke's Magic Valley Medical Center.
Burley
Burley is a popular retirement town in southern Idaho, known for its affordability, safety, and wide selection of senior living and care facilities. With a low cost of living, a strong sense of community, and access to quality healthcare, it offers retirees a comfortable and secure place to settle. Affordability is no exception, as the town has strong agricultural roots and average home prices as low as $402,433 in 2025. Ranked at #16 among the best places to buy a house in Idaho by Niche reports, Burley’s senior population makes up 11% of its total population, featuring reliable senior care homes like Pomerelle Place Senior Living and Rosetta Assisted Living.
Blackfoot
Blackfoot is a welcoming farming community known for its affordability and a strong sense of local connection. Residents enjoy a variety of community events, including the annual Celebrate Blackfoot Festival and engaging activities like exercise classes and games hosted by the Bingham County Senior Center. The average home price in Blackfoot is estimated to be $373,900, ranking it among the three most affordable communities to retire in Idaho, along with Burley and Jerome.
Over 16% of the town’s population are seniors, making it easy for new retirees to socialize and connect with like-minded individuals. Additionally, farmers' markets like U-Pick Grove City Gardens and Kesler's Market, which date back to 1933, offer residents fresh, affordable produce and essential goods at cost-effective prices.
Moscow
Moscow, Idaho, is a budget-friendly town that offers retirees a peaceful yet engaging lifestyle. Home to the University of Idaho, it blends small-town charm with vibrant cultural opportunities, including community events and live performances. The cost of living is below the national average, with home prices averaging $509,500 and one-bedroom rentals around $1,950.
Seniors can enjoy the lively Moscow Farmers Market, where fresh local produce and artisan goods are available at affordable prices. The 1912 Center serves as a community hub, offering senior-friendly activities such as art classes and social gatherings. For those who appreciate the outdoors, the Latah Trail provides a scenic, flat path ideal for walking or biking. Access to quality healthcare is also convenient, with Gritman Medical Center providing comprehensive medical services in town.
Emmett
Finally, Emmett provides retirees with a cost-effective lifestyle while offering easy access to Boise’s amenities. Home to 8,492 residents, Emmett is a popular choice for seniors seeking an affordable and community-oriented lifestyle. Black Canyon Park offers a tranquil spot for fishing and picnicking, while the Gem County Senior Center hosts social events, fitness programs, and community meals. The Emmett Farmers Market provides fresh, budget-friendly produce, and the annual Emmett Cherry Festival fosters a strong sense of community with free entertainment. Healthcare is readily available at Valor Health, with additional medical services just 29.9 miles away in Boise.
Idaho: An Ideal Retirement Destination for Serenity and Affordability
Ultimately, Idaho is an ideal retirement destination for seniors who value nature and a cost-effective lifestyle. With a lower cost of living than many other states, it offers a range of appealing communities. Whether it’s a peaceful mountain retreat, a charming small town, or a quiet haven near the capital, the Gem State provides the perfect setting for retirees looking to make the most of their golden years.
