8 Welcoming Towns to Retire in Rhode Island
Rhode Island may be the smallest state in the country, but it's full of great places for those in their golden years. This state of just 1.1 million people is one of the most popular for retirees, with 19% of its citizens over the age of 65. There are many welcoming towns and retirement communities to cater to its elderly residents. East Greenwich, with its rich history and safe environment, and Westerly, known for its stunning beaches and vibrant village life, offer retirees plenty of activities and scenic beauty. The temperate climate also offers mild winters and warm summers, while its proximity to the ocean and scenic woods provides options for staying active or enjoying the beach and fresh salt air.
East Greenwich
Established in 1677, East Greenwich is a cozy little town with a lot of history. This town is known as the birthplace of the United States Navy and is welcoming to veterans, with the VFW 8018 serving its inhabitants. So, veterans will find it a lovely place to settle down in their golden years. For some fun in town, Natale’s Deli offers delicious meals, and the Greenwich Odeum hosts tribute concerts and jazz nights along with its films and special events that bring the community together. Greenwich Farms and the Atria Harborhill provide seniors with options for independent living and assisted living, as well as memory care. Retirees will have plenty of chances to make friends, as residents 65 and over comprise 16% of the population. To top it off, the capital city of Providence is within a 20-minute drive, connecting seniors to amenities such as the Rhode Island T.F. Green Airport and the Rhode Island Hospital.
Westerly
Westerly was rated as the best town in Rhode Island to retire to in 2024 by Niche.com, so it's bound to be a welcoming town for retirees. This quiet seaside community is built along the long, white beaches that attract residents and tourists on summer days. Its villages include Avondale, which features beautiful Queen Anne-style homes; Misquamicut for nightlife and weekend getaways; Potter Hill and its verdant Town Forest; the summer cottages along East Beach at Watch Hill; and Winnapaug, a favorite for golfers. The Main Street Historic District features plenty of amenities and restaurants, while the Watch Hill Park is a haven for photographers, surfers, birdwatchers, and anglers who come to fish for the town's famous salmon.
For any medical concerns, the Westerly Hospital boasts an ER and experienced staff, so residents can rest assured. Moreover, the average home in Westerly costs $560,000, which is just $90,000 higher than the state average. Considering the coastal scenery and amazing community, these prices are a steal for retirees.
Jamestown
Jamestown is a serene and peaceful suburb of Newport, Rhode Island, that was incorporated in 1678 as part of the Massachusetts Bay Colony. For retirees who plan to stay fit, Mackerel Cove and the Beavertail State Park offer many opportunities for hiking, biking, sailing, and angling. At the same time, the Jamestown Farmer's Market sells local fresh produce and treats from around the area. Local vineyards such as the Newport, Greenvale, and Sakonnet Vineyards provide opportunities to get away, sit back, and relax with the area's finest wines. With 33% of its residents over the age of 65 and a low poverty rate of 4.4%, according to the most recent U.S. Census, retirees are guaranteed to find plenty of company.
Narragansett
Narragansett is a sleepy town along Rhode Island’s Atlantic Ocean coast. This little town features four of Rhode Island's most popular beaches, and the Narragansett Town Beach is perfect for retirees. It has a family-friendly environment, wheelchair access, and sunbathing areas. Inland, this town's rich history still lives on in places like The Towers, the last remnant of a Victorian-era casino that hosts dinner theaters and other special events. The Galilee area offers fine dining at low prices, plenty of ice cream parlors for dessert, and a fresh fish and seafood market.
Retirees love this little suburb, with 24% of the population over the age of 65. Moreover, the local Narragansett Senior Association offers annual membership at just $10 so one can stay in touch with like-minded people, attend trips, and enjoy events. Seniors will find plenty of living community options, such as the Beachwood Apartments, which offers comfortable apartments for people of all ages.
Warwick
Historic Warwick is one of Rhode Island's larger communities, yet its coastal charm makes it a favorite retirement destination. Over 21% of residents are aged 65 and older, and retirees enjoy a variety of fine waterfront dining options. You can savor local chowder at Iggy’s or indulge in the luxurious meals at Harbor Lights. The shoreline offers scenic spots like Oakland Beach, while Rocky Point Park preserves history with its iconic flag arch from the 1964 World’s Fair.
Warwick is also a hub for arts and culture, home to the Steamship Historical Society of America and the Warwick Center for the Arts, which features theater shows, improv, and independent films. Medical care is close at hand with Kent Memorial Hospital, providing peace of mind for retirees. The city’s excellent rail connections make travel a breeze, offering seniors convenient access to nearby cities. Senior living communities such as Greenwich Farms at Warwick and All American Assisted Living add to the city’s appeal, ensuring a vibrant and fulfilling lifestyle for those looking to enjoy their golden years.
Charlestown
This little town of just 8,000 people is a favorite for retirees, with a median age of 63. Plenty of facets suit seniors, from the moderate winters and warm summers to the responsive EMT services via the Charlestown Ambulace-Rescue Service that provide quick medical care. Golfers will love the Shelter Harbor Golf Club, the South Shore Course, and the Pinecrest Course, while birdwatchers and nature fans will enjoy spotting animals at the Ninigret National Wildlife Refuge. The late summer Seafood Festival and the fall Applumpkin Festival offer plenty of seasonal excitement and chances to meet the neighbors. The local senior community center is also focused on creating a lively environment with Yoga, Zumba, Tai Chi, and meal programs that cater to all needs.
Portsmouth
Portsmouth, a picturesque suburb of Providence, is an ideal place to retire for those who seek a blend of coastal charm and modern amenities. While the median home value of $640,000 is about $170,000 higher than the state average, these homes are well worth the investment. Surrounded by lush greenery, serene coastal views, and the peaceful environment of a close-knit community, the properties here offer an unparalleled living experience. To indulge in the outdoors firsthand, retirees have plenty of options, such as the Green Animals Topiary Garden, home to more than 80 topiary animals that create a unique view. Moreover, one can enjoy a relaxing walk along the scenic Sakonnet Greenway Trail or tee off at the prestigious Green Valley and Montaup Country Clubs. Indoor attractions, such as the Newport Car Museum, also abound, home to vintage vehicles you will surely adore. Plus, its proximity to Providence ensures you're never too far from urban amenities.
Central Falls
Central Falls may be the smallest city in the smallest state, but it’s packed with vibrant culture and charm. Spanning just 1.27 square miles, this population-dense city is known for its diversity, with its 100th-anniversary celebration featuring representation from over 100 countries. Food lovers will relish its culinary scene, which showcases authentic South and Central American flavors at popular spots like La Casona and Taqueria Lupita. Seniors who enjoy spending time outdoors can explore nearby green spaces such as Lincoln Woods State Park, River Island Park, or the scenic trails of Snake Den Park, perfect for birdwatching or peaceful walks.
Seniors looking for housing on a fixed income will appreciate that the average home in Central Falls costs only $344,000, as opposed to the state average of $470,000 in Rhode Island. So you can retire in your dream home without breaking the bank. Despite its affordability, the community offers access to essential services in nearby Providence, including the Southside Medical Center and retail hubs like Walmart and The Home Depot.
Final Thoughts
Whether you choose a small town on the coast or a suburb of one of Rhode Island's larger cities, this is an ideal state for retirees. Rhode Island offers cozy communities with plenty of charm and a quiet lifestyle no matter where you go. Selecting a place to retire can be easy with plenty of senior living areas, gorgeous beaches to explore, and cultural institutions that provide entertainment and a sense of community to denizens of the smallest state in the country.
