Iowa's 8 Best Retirement Towns Ranked
Retirement marks the start of a new chapter, one filled with relaxation, adventure, and the freedom to settle into a place that feels like home. Iowa's scenic landscapes, from rolling prairies to tranquil lakes, create a peaceful setting for retirees looking to enjoy the simple pleasures of life. With four seasons, a lower cost of living, and welcoming small towns, the state offers a balance of comfort and convenience. Access to quality healthcare, community events, and outdoor recreation makes these eight Iowa towns top-ranked for retirement.
Fairfield
With 25.3% of its population aged 65 or older (according to the US Census Bureau), Fairfield stands out as a neighborly destination for retirees. Nestled in southeastern Iowa, the town blends small-town warmth with a lively arts scene. Home values remain reasonably priced at an average of $149,013 as of February 2025, making it an attractive choice for those looking to settle down comfortably. Jefferson County Health Center ensures the availability of dependable medical care, while Sunnybrook Home Care and Addington Place of Fairfield provide excellent assisted living options. Addington Place fosters a sense of connection with cozy apartments and engaging activities designed to bring residents together.
Fairfield's inviting atmosphere extends beyond its homes, offering plenty of ways for retirees to stay active and social. The town’s 1st Fridays Art Walk draws more than 2,000 visitors each month, transforming downtown into a lively hub of galleries, music, and community gatherings. For those who enjoy the outdoors, Fairfield Loop Trail offers 16 miles of spectacular terrain, ideal for hiking, biking, or a leisurely walk with a four-legged companion. The historic Maasdam Barns reflect the town’s agricultural roots, just as Central Park Square serves as a year-round gathering space, hosting festivals, concerts, and winter holiday displays.
Oskaloosa
Oskaloosa is an undisturbed town that allows retirees to appreciate the outdoors and a close-knit community. Retirees will find it easy to settle in and connect with others through events like the Southern Iowa Fair and Art on the Square. Likewise, downtown gatherings such as the Sweet Corn Serenade in July and the Lighted Christmas Parade in December bring neighbors together, creating plenty of opportunities to socialize and embrace small-town life.
Those who delight in nature can take in the quiet surroundings of Lake Keomah State Park, with its wooded trails and calm waters offering a relaxing escape. For a look into the past, the Nelson Pioneer Farm & Museum showcases historic buildings, agricultural artifacts, and a genealogy library that tells the story of Mahaska County.
Getting around is simple with Oskaloosa Rides, a free bus service that runs on select days. Medical services are readily available at Mahaska Health, ensuring trustworthy care close to home. Seniors in need of extra support have options like Homestead of Oskaloosa and Crystal Heights Care Center, both delivering attentive care in a welcoming environment. Meanwhile, the average Oskaloosa home value is $167,402 as of February 2025, making it an appealing choice for retirees.
Elkader
This serene river town, tucked away in the rolling hills of northeastern Iowa, is a great fit for retirees looking for a slower pace of life. Seniors can take in the sights of the historic Keystone Bridge, a rare stone arch structure spanning the Turkey River, or browse antiques inside the Turkey River Mall, a former 29-room hotel turned shopping destination. For those who admire history, the Motor Mill Historic Site showcases 19th-century milling, and the beautifully restored Elkader Opera House hosts plays, concerts, and community events throughout the year.
Healthcare needs are met at MercyOne Elkader Medical Center, ensuring peace of mind for retirees. Elkader Care Center extends both long-term care and short-term rehabilitation, whereas the Elkader Senior Dining Center brings older residents together for meals and socializing. Daily essentials are within reach at Wilke’s, the oldest continuously operated grocery store west of the Mississippi. At the same time, a decent home costs $132,895 as of February 2025, making Elkader an appealing and economical option for retirees looking to settle in a historic yet close-knit community.
Keokuk
Keokuk's deep ties to the Mississippi River shape both its history and daily life, creating a tranquil yet engaging place to call home. For those who value engineering feats, Lock and Dam No. 19 provides a front-row seat to the steady movement of river traffic, and just nearby, the Bridge Observation Deck grants a stunning perspective of boats gliding beneath the span. At the same time, Rand Park stretches across 57 acres, featuring a reflection pond, picnic areas, and an outdoor entertainment pavilion, perfect for relaxing afternoons with friends and family. Not far away, the George M. Verity Riverboat Museum offers a step back in time, allowing visitors to explore a fully restored steam-powered towboat, a fascinating reminder of Keokuk's legacy as a river town.
With 21% of the population aged 65 or older, Keokuk has a well-established senior community. Healthcare is within reach at Keokuk Area Hospital Home Health, whereas assisted living options include River Hills Village. Those looking for independent living can find comfort at Keokuk Senior Lofts, designed for retirees who want a sense of community. Home values are around $81,308, making it an affordable place to settle down along the river.
Oelwein
A mix of culture, history, and green spaces makes Oelwein an appealing choice for retirees who want to stay active and engaged. The Williams Center for the Arts brings the stage to life with a lineup of regional and national performers, along with showcases from local talent. For a glimpse into the town's railroad legacy, the Hub City Heritage Corp. Railway Museum delivers an immersive look at historic train cars and artifacts. Similarly, City Park spans 69 acres, making it a great spot for leisurely walks, picnics, and outdoor gatherings. From May through October, the farmers' market fills the town with the scent of fresh produce and handmade goods, giving seniors a chance to shop locally and connect with neighbors.
Retirees in Oelwein have access to reliable healthcare at MercyOne Oelwein Medical Center, ensuring medical needs are met without traveling far. Those who require extra support can turn to Arlington Place at Oelwein, an assisted living facility that provides personalized care in a welcoming environment. With 21.8% of the population over 65, seniors will find themselves surrounded by a strong community of peers. Additionally, homeownership remains within reach, with the average home price at $99,102 as of February 2025.
Fort Madison
Despite being a historic river town, Fort Madison maintains a relaxed pace that resonates with retirees. It is packed with fascinating attractions, making every day a chance to explore something new for retirees. History buffs will appreciate Old Fort Madison, a military outpost that grants a glimpse into the early 1800s. Meanwhile, the North Lee County Historical Society preserves local heritage with engaging exhibits, and the Sheaffer Pen Museum highlights the town’s legacy in fine writing instruments. The Fort Madison Downtown Commercial Historic District adds another layer of charm with its preserved architecture and locally owned businesses, making for a pleasant stroll along the heart of town.
Seniors in Fort Madison have access to quality healthcare at Southeast Iowa Regional Medical Center Fort Madison Campus, just as River Valley Place supports those needing assisted living. Additionally, Fort Madison Home Care extends professional in-home care services, including meal preparation, personal care assistance, and household management, to help seniors remain comfortable. With 21.3% of the population over 65, retirees will find themselves in good company. At the same time, homeownership remains a cost-conscious option, with the median home value at $103,597 as of February 2025.
Burlington
With 22.2% of the population aged 65 and older, Burlington makes it easy for retirees to settle into a friendly community. Southeast Iowa Regional Medical Center West Burlington Campus ensures access to reliable healthcare, while those who prefer not to own a home can find support at Bickford of Burlington assisted living and memory care. For retirees looking to settle into homeownership, home values are around $115,479, making Burlington a practical and inviting place to enjoy retirement.
Burlington's combination of scenic river views and rich history makes it a compelling choice for seniors looking to stay active and engaged. Waking up to the sight of the Mississippi River is an everyday pleasure, but there is much more to experience. Strolling along Snake Alley, often called the most crooked street in the world, brings a bit of charm to an afternoon walk. In addition, Dankwardt Memorial Park creates a peaceful retreat with shaded trails, picnic spots, and a disc golf course for those who relish the outdoors. The Capitol Theater showcases classic films and live performances, whereas the Des Moines County Heritage Center Museum takes visitors through the region's storied past with exhibits on local history.
Creston
Creston is a quiet town in Union County with a strong sense of community and plenty of ways for retirees to stay active. Nature lovers will appreciate McKinley Park, an impressive space with walking trails, picnic areas, and a calm lake, making it an ideal spot for a relaxing afternoon. Those with an artistic side can explore local creativity at the Arts Gallery, which features rotating exhibits from regional artists. Similarly, Crestmoor Golf Club presents a great way to stay active while savoring a friendly game on a well-kept course.
Retirees settling in Creston will find solid support for their healthcare needs at Greater Regional Health, a trusted medical facility in the area. Homestead Assisted Living and Memory Care of Creston provides additional support for seniors who may need it. For those looking to own a home, the average price sits at $140,463 as of February 2025, making it a reasonable choice for retirement.
Retirement should be about comfort, connection, and finding a community that truly fits. In Iowa, that might mean enjoying lake views near Oskaloosa, embracing history in Elkader, or settling into a soothing riverside town like Keokuk. Whether it is the cultural charm of Fairfield or the small-town harmony of Creston, Iowa's best retirement towns cater to different lifestyles. With affordable homes, quality healthcare, and openhearted communities, these eight towns provide the perfect backdrop for making the most of your golden years.
