The Ozarks' 7 Best Retirement Towns Ranked
The Ozarks is a broad region in the United States that stretches across parts of Oklahoma, Kansas, Missouri, and Arkansas. It's known for its forested landscapes, lakeside views, and calm, scenic atmosphere, a combination that draws in both tourists and retirees alike.
While it is a popular getaway spot, the Ozarks also offer a peaceful and affordable lifestyle that makes it a great place to spend your golden years. From the Victorian-era streets of Eureka Springs to the sweeping mountain views in Branson, these cities are some of the best retirement options in the region. This list ranks seven of the top retirement towns in the Ozarks, based on their median home prices, with the most expensive listed first.
Eureka Springs, Arkansas
Retiring in Eureka Springs feels like stepping into an art gallery inside the forest. Located in the northwestern corner of the Ozark Mountains, this Victorian-style town is known for its natural beauty, rich art culture, and slower pace of life. With a median home value of around $485,000, it offers an upscale yet tranquil retirement setting where many residents enjoy a deep sense of ownership.
Each day begins with beautiful views, whether it is a stroll through the Historic Downtown District, lined with quirky shops and colorful galleries, or a peaceful hike around Black Bass Lake or Lake Leatherwood City Park. Eureka Springs thrives on creative and cultural expression, hosting annual events like the May Festival of the Arts and Opera in the Ozarks that keep retirees engaged and inspired. Landmarks like Thorncrown Chapel, a breathtaking wood-and-glass structure in the woods, and Blue Spring Heritage Center, a private botanical sanctuary, offer quiet escapes close to home. And when needed, Eureka Springs Hospital is available to meet local healthcare needs.
Camdenton, Missouri
Near the heart of the Lake of the Ozarks and surrounded by gentle hills, Camdenton is a scenic town where retirees can enjoy the outdoors at their own pace. With a median home value of around $379,000, it offers lakeside living without the high cost, making it a practical and peaceful choice for those looking to settle down near the water.
Nature lovers will appreciate nearby Ha Ha Tonka State Park, home to winding trails and dramatic views, while the park’s castle ruins, modeled after 16th-century European architecture, provide a unique local landmark. Daily pleasures here include boating, fishing, or simply relaxing by the lake. The Camdenton Senior Center hosts programs for those aged 60 and over, offering everything from social events to wellness services.
Heber Springs, Arkansas
Heber Springs is a peaceful lakeside borough in north-central Arkansas, known for its natural beauty and relaxed pace, a perfect match for retirees. Located in Cleburne County, it offers opportunities for fishing, boating, and enjoying the outdoors, with Sugarloaf Mountain providing a stunning backdrop to daily life.
The median home value sits around $329,000, making it an affordable option for seniors looking for space, serenity, and community. Walking and hiking trails such as Bridal Veil Falls and Collins Creek Trail weave through forested areas and offer quiet moments in nature. For something a little different, the Ruland Junction Train Museum offers a fun and nostalgic trip through railroad history with running model trains and engaging exhibits. Heber Springs also stands out for its safety and neighborly atmosphere. The Cleburne County Senior Center provides regular activities and resources, helping retirees feel supported.
Mountain View, Arkansas
Life in Mountain View is simple, scenic, and soulful, just the way retirement should be. Known as the “Folk Music Capital of the World,” it has a laid-back rhythm that appeals to retirees who enjoy music and nature. With a median home value around $325,000, it’s also one of the most affordable retirement spots in the Ozarks.
The town square often comes alive with local musicians playing folk tunes on porches and street corners, turning a quiet afternoon into an impromptu concert. The Ozark Folk Center State Park is a highlight, preserving the region’s rich cultural traditions through live music, artisan crafts, and storytelling, giving it the feel of a living museum. For seniors, the Mountain View Senior Center offers a lively, welcoming space for socializing, learning, and wellness. Whether you are tapping your foot to live bluegrass or enjoying the peaceful surroundings, Mountain View offers a retirement experience full of heart and heritage.
Siloam Springs, Arkansas
Siloam Springs is a picturesque community near the Oklahoma border, offering retirees a relaxed lifestyle and affordable living. With a sparse suburban atmosphere and a median home value of around $312,000, it’s considered one of the best places to live in Arkansas, especially for those looking to stretch their retirement dollars.
Locals enjoy kayaking at the City of Siloam Springs Kayak Park or exploring local history at the Siloam Springs Museum, both framed by scenic views that make every visit photo-worthy. The Dogwood Springs Walking Trail is perfect for morning strolls or light exercise, while the Siloam Springs Farmers Market is a great area to meet friendly faces and enjoy local produce. Access to healthcare is covered by Siloam Springs Regional Hospital, and the people are welcoming and supportive. For retirees who value natural beauty, walkability, and small-town friendliness, Siloam Springs offers comfort and connection in equal measure.
Mountain Home, Arkansas
If you are dreaming of a retirement surrounded by beautiful lakes and mild weather, Mountain Home deserves a spot on your radar. Located between Norfork and Bull Shoals Lakes, this municipality offers opportunities for fishing, kayaking, or peaceful strolls along the water. With a median home price of around $274,000, it is a smart and serene choice for retirees. Beyond the outdoors, Mountain Home also has a vibrant cultural side. The Baxter County Library and the Vada Sheid Community Development Center, located on the Arkansas State University Mountain Home campus, host events, lectures, and performances that keep things lively throughout the year.
Healthcare is a priority here, with Baxter Regional Medical Center providing comprehensive services and peace of mind. Whether you're enjoying a quiet nature trail, attending a local event, or catching up with neighbors over coffee, Mountain Home blends affordability with quality living, making retirement feel like a long, enjoyable escape.
Branson, Missouri
Branson is a great place to retire and enjoy life with a little extra flair. Located in Taney County, Branson is famous for its live entertainment and mountain views. With a median home price of around $261,000 and Missouri’s senior-friendly tax policies, retirees can stretch their budgets while still enjoying a vibrant lifestyle.
Popular attractions like the Titanic Museum, Silver Dollar City, and the Butterfly Palace, complete with a mirror maze and tropical butterfly aviary, provide endless sightseeing and fun. Its many live music shows offer nightly entertainment and keep the energy high for retirees who enjoy staying active and social. Healthcare is reliable and close by, with Cox Medical Center offering a wide range of services for older residents. With affordable housing, an engaging local scene, and the natural beauty of the Ozarks all around, Branson proves that retirement means living more fully than ever.
These seven towns reflect the diverse beauty and lifestyle options the Ozarks are known for. From the peaceful lakeside living in Heber Springs to the musical heartbeat of Branson and the historic charm of Camdenton, there is something here for every kind of retiree. With affordable home prices, a lower cost of living, and endless natural scenery, this region offers a way to live well. Whether it is quiet mornings by the water or lively evenings filled with local culture, retirement in the Ozarks means enjoying every day with ease, beauty, and purpose.
