9 Most Affordable Towns to Retire in California

With its sunny climate, diverse landscapes, and countless outdoor opportunities, California attracts many pensioners looking for a forever home. However, the state is also known for its high cost of living, especially in major metro areas, which can be discouraging for retirees on a tight budget. For those seeking an affordable retirement, several small towns, fortunately, provide surprisingly good value. Situated off the major metro areas, these lovely locations provide the laidback rural life that ideally suits senior living.

Highlighted below as some of the best communities to retire in California that won’t break the bank. Despite their backcountry locations, they ensure access to vital social and medical facilities, with proximity to more bustling urban centers. Whether seeking a coastal escape, alpine village, or riverfront community, these charming small towns suit retirees that ascribe to the thrifty lifestyle.

Borrego Springs

Retirees looking to get the most out of their retirement savings and pension can find the ideal place to settle in Borrego Springs. This small community in San Diego County, surrounded by the sprawling Anza-Borrego State Park, provides exciting opportunities to be outside, with activities like stargazing, hiking, and wildlife viewing on offer. Several scenic hikes inside the park allow pensioners to discover the sprawling desert landscapes on a hiking or biking excursion, including Hellhole Canyon Trail. While outdoors, retirees will come across exquisite structures at Galleta Meadows, which only hint at the bustling art scene in Borrego Springs.

Enthusiasts will find an impressive collection of art works at the Borrego Art Institute, featuring photography, painting, and gardening art. Pensioners in Borrego Springs enjoy a low median home price of about $400,000, which is just about half the state average.

Rio Vista

This small Northern California rivertown presents pensioners with a more affordable living in the popular Bay Area. Thanks to a mild climate, Rio Vista encourages outdoor adventures inside the Brannan Island State Recreation Area, from hiking and camping to boating. With the Sacramento River flowing to the east of the town, plenty of river-based fun keeps senior citizens entertained, available at the Delta Marina Yacht Harbor. On the other hand, indoor attractions are just as impressive as those outside. The Rio Vista Museum is an excellent example, inviting fresh retirees to learn about the town’s heritage at a slow pace.

RioVision Gallery is another lovely venue for pensioners looking for a laidback pursuit, displaying a collection of paintings, jewelry, and paintings by local artists. With a median housing cost of $499,500, owning a property in Rio Vista is within reach for many retirees.

Quincy

Perched at 3,400 feet in the picturesque landscapes of the Sierra Nevada, this tiny alpine village presents outdoor opportunities around the year, come rain or shine. Encircled by the sprawling Plumas National Forest, retirees can take advantage of numerous hiking trails to explore the wilderness. These turn into lovely cross-country skiing routes when the snow season comes along, allowing for a continuously active lifestyle. Besides immersing in the great outdoors, Quincy’s rich Gold Rush heritage promises to intrigue many seniors, who will find a soothing sense of nostalgia browsing various artifacts inside the Plumas County Museum.

Furthermore, a lovely indoor pursuit is provided by Plumas Arts, with a changing arts exhibit that brings out local cultural heritage through awesome crafts. For $400,000, pensioners can find a nice house in Quincy, which is cheaper than in many areas of the state.

Auburn

Auburn is a little Northern California village known for its Gold Rush era exploits. It provides fresh retirees with a close-knit community to call home and a cocktail of delightful experiences, ranging from exploring rich heritage at the Gold Rush Museum to watching engaging live shows at the Auburn State Theater. Ardent outdoorsmen can indulge in countless adventures in the Auburn State Recreation Area, where a vast wilderness harbors hiking, camping, nature viewing, and hunting opportunities. Meanwhile, the small community demonstrates its close ties during various social events held at the Gold Country Fairgrounds and Events Center, an excellent place for newcomers to feel a sense of belonging. Lastly, homes in Auburn cost an average of $675,000, which is below California’s average.

Eureka

Mild weather around the year and densely forested surroundings combine to ensure retirees in Eureka make the most of outdoor activities for an active lifestyle. This lovely port community has a host of nature spaces, highlighted by Sequoia Park, where hiking and biking routes through old-growth redwoods encourage exploration of the town’s wilderness. Within the park lies the adorable Sequoia Park Zoo, where retirees can have remarkable encounters with native and exotic species like black bears and red pandas.

For the indoor inclined, an easygoing tour of the Clarke Historical Museum makes for an excellent alternative, with a chance to learn about local heritage. Also, pensioners seeking a sense of purpose will find several options at Ingomar Club, and those looking to own a home should be prepared to spend about $440,000, which is the average cost of a home in Eureka.

Oakdale

Oakdale promises retirees low-cost living amidst green natural surroundings in the picturesque San Joaquin Valley. Spurred by the slogan “Cowboy Capital of the World,” this charming town takes pride in its deep western heritage and has several sites to back this. The Cowboy Museum allows you to explore it through an array of ranching and rodeo exhibits. The great outdoors is even more impressive in Oakdale, and activity loving seniors can choose from several adventures at Valley Oak Recreation Area to stay engaged, including hiking, camping, kayaking, and picnicking.

But if they prefer a more family-friendly option to spend time with grandkids, the Children's Play Park is a better suit. Oakdale is also cheaper than most areas in the state, as seen by its median housing price of $592,000.

Groveland

With the average home costing $449,000, Groveland is easily one of the cheaper places you can retire in California. The town is about forty minutes from the popular Yosemite National Park, ensuring that retirees will never lack outdoor adventures to keep them preoccupied. It is also perched at a 3,136-foot elevation, making it a hub of activities during the winter season. When blanketed in snow, the trails inside the surrounding Stanislaus National Forest transform into beautiful cross-country skiing routes worth exploring.

There is no shortage of indoor attractions for those who’d rather keep off the open spaces. Groveland Yosemite Gateway Museum interestingly documents the history of the town and the surrounding region for anyone interested. Meanwhile, Iron Door Saloon allows patrons to enjoy a bottle of beer in one of the most historic sites in the town.

Grass Valley

Grass Valley is a historic California Gold Rush location that impresses with iconic historical sites, a bustling art scene, and affordable cost of living. The town hosts the Empire Mine State Historic Park, a National Historical Landmark with one of the state’s deepest and oldest gold mines during its heyday. Those interested in the town’s captivating history can find interesting artifacts and archives to peruse inside the Grass Valley Museum. The local community demonstrates its appreciation for the arts with a couple of friendly venues, led by the Center for the Arts.

The dining culture is also abuzz in Grass Valley, a credit to the thriving cluster of restaurants in its downtown. Pensioners can find multiple hangouts to catch up over a delicious meal, such as Italian at La Gastronomia. Meanwhile, houses in Grass Valley cost an average $599,000, which is a bargain by California standards.

Clearlake

Between low-cost living and small-town charm, Clearlake is a no-brainer for any retiree looking for an easygoing sail into their sunset years. This adorable lakeside community welcomes them into a tiny fold of about 17,000. There are plenty of recreational opportunities in Clearlake, on land and on water, with Highlands Parks serving as a hub for hikers, campers, anglers, and other adventurers. Redbud Park is another nice option with the ideal atmosphere for a fun day outside with family, providing a range of amenities, including picnic tables, BBQ grills, and a baseball diamond.

For an indoor alternative, many locals love to gather inside Clearlake Stadium Cinema for a friendly movie experience. However, the main reason most retirees will want to settle in this tiny community is its cheap house prices, with a median of just $259,000, below the United States average.

In Conclusion

Despite its perceived high cost of living, there are still affordable places to retire in California for those contemplating to spend their golden years in the Golden State. The towns above all provide scenic settings, reasonable housing costs, and access to services for seniors on a budget. While amenities may be more limited than in large metro areas, retirees can enjoy mild climates, outdoor recreation, and a Southwestern lifestyle for less. For those seeking value, considering these under-the-radar communities can make California retirement dreams more attainable.