9. Erie, Pennsylvania

Average one-bedroom rent: ~$800

Located along Lake Erie, this city offers especially low housing costs. Winters can be cold and snowy, but summers are mild and pleasant. Erie appeals to retirees who enjoy waterfront views, quiet living, and access to parks and nature.

10. Springfield, Missouri

Average one-bedroom rent: ~$850

Springfield blends affordability with a friendly, small-city feel. It experiences hot summers and cool winters, giving residents a balanced four-season climate. With nearby lakes, hiking trails, and a growing local arts scene, retirees can stay active without spending much.