California, often seen as a costly place to live, actually has numerous appealing cities for those looking to retire. These locations provide a favorable balance of manageable living expenses, proximity to top-tier healthcare facilities, and access to larger urban centers. Notably, California exempts Social Security income from state taxes, allowing retirees' money to stretch further.
This article highlights five such cities—Roseville, Oceanside, Torrance, Vacaville, and Richmond—each offering unique advantages for retirees. From Roseville's active senior community to Oceanside's coastal charm and Richmond's Bay Area accessibility, these cities present diverse environments for a fulfilling retirement.
Affordable Retirement Havens in California
For retirees seeking value in California, several cities stand out, according to a recent study. These areas offer a desirable lifestyle without the prohibitive costs often associated with the state. Roseville, a prominent city in the Sacramento region, leads the list with its low cost of living and abundant recreational facilities, making it a popular choice for older adults. Oceanside, with its stunning ocean views and coastal ambiance, is an attractive option for those who dream of a beachside retirement. Torrance, located in Los Angeles County, provides a similar coastal experience alongside extensive community resources like libraries.
Further inland, Vacaville offers a tranquil pace of life, highlighted by its scenic natural surroundings and relatively affordable housing. Lastly, Richmond in the Bay Area provides a unique advantage by offering access to San Francisco's amenities without the region's notoriously high housing prices. These cities not only promise financial ease but also diverse opportunities for social engagement, access to nature, and cultural enrichment, all while benefiting from California's non-taxation of Social Security income.
Exploring California's Top Retirement Cities
Roseville, a thriving suburb of Sacramento, is particularly appealing to retirees, with nearly a fifth of its population aged 65 or older. The city boasts communities like Sun City Roseville, which features over 3,110 homes for residents aged 55 and up, along with a packed calendar of activities designed to enrich retirement. The median rent in Roseville is approximately $2,158, and the median home sale price is around $635,000, making it a relatively affordable option within the state.
Oceanside, located less than 40 miles from San Diego and 50 miles from Orange County, is a picturesque coastal city. It attracts retirees with its stunning sunsets and beach lifestyle, with about 20% of its residents being 65 or older, fostering a strong peer community. The median rent here is $2,293, and homes typically sell for a median of $850,500. Torrance, another Southern California jewel in Los Angeles County, offers a beautiful coastline and numerous amenities. While it boasts a high percentage of retirees (nearly 22% aged 65+), its housing costs are the highest on this list, with median rent at $2,049 and median home prices soaring to $1,305,000.
Vacaville, situated about 30 miles from Sacramento and 55 miles from San Francisco, is cherished for its serene environment and natural beauty, including Lagoon Valley Park. The city's median rent is $2,155, and the median home sale price is $637,500. It also offers unique attractions like the Jelly Belly Factory, providing engaging activities for residents. Finally, Richmond, a Bay Area city, stands out for its comparatively low cost of living, providing access to San Francisco's urban benefits without the exorbitant housing expenses. With a median rent of $1,814 and an average home sale price of $569,500, Richmond provides cultural and historical attractions such as Rosie the Riveter Memorial Park and the Richmond Museum of History and Culture, making it an attractive choice for budget-conscious retirees.
