3. Des Moines, Iowa

Average one-bedroom rent: $990

Des Moines offers a balance of affordability and livability, with a metro population exceeding 750,000.

Known for its low crime rates and slower pace, the city appeals to retirees who enjoy outdoor activities and cultural attractions like museums and galleries. Expect warm summers in the mid-80s and colder winters with highs in the 30s.

4. Cincinnati, Ohio

Average one-bedroom rent: $1,113

Cincinnati edges closer to the $2,000 monthly limit, but it rewards residents with big-city perks. With over 2.3 million people in the metro area, it features major sports teams, a vibrant food scene, and a scenic riverfront.

The climate brings warm summers and cool winters, offering a full four-season experience.