10 Arizona Cities Where You Can Retire on Just $1,900 a Month
- - 10 Arizona Cities Where You Can Retire on Just $1,900 a Month
Kate RobertsonDecember 18, 2025 at 3:36 AM
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With mild winters and striking natural beauty, Arizona has long attracted retirees seeking a warm, active lifestyle. Add in low property taxes and no state tax on Social Security benefits, and it's easy to maximize your retirement savings in the Grand Canyon State. However, rising housing costs and inflation have made it increasingly difficult to find affordable places to settle down.
With some research, you can still find beautiful, affordable towns to retire to. This guide highlights Arizona cities where you can still retire comfortably on $1,900 per month or less, without sacrificing safety, community, or quality of life.
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1. Sierra Vista
sierra vista
ShutterDivision/Adobe
Known for its military roots and home to Fort Huachuca, Sierra Vista boasts stunning mountain views, small-town charm, and a family-friendly atmosphere. Often called the hummingbird capital of the U.S., it's a haven for birdwatchers, with over 300 species spotted annually.
The cost of living is approximately 9% below the national average, with housing costs a full 16% lower, making it an attractive option for those looking to stretch their retirement dollars without compromising their lifestyle.
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2. Douglas
USA-Mexico Border Wall
tim/Adobe
If small-town living tops your retirement wish list, Douglas may be ideal. This quiet border town offers a remarkably low cost of living — 8% below the national average — with housing costs 14% lower, making it one of the country's most affordable places to buy a home.
Its location along the southern border adds a rich cultural dimension to everyday life, while the close-knit community offers a strong sense of connection and neighborly support.
3. Bullhead City
bullhead city with the colorado river
Jake Kinney Productions/Wirestock Creators/Adobe
Bullhead City combines scenic riverfront living with practical financial perks.
Located along the Colorado River, it's a popular choice for retirees who enjoy boating, fishing, and other outdoor recreation. Just across the river lies Laughlin, Nevada, offering easy access to casinos, dining, and entertainment.
With a cost of living 7% below the national average — and even deeper savings on housing (9% less) and utilities (14% less) — Bullhead City offers a relaxed, affordable lifestyle with plenty to do.
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4. Yuma
aerial view of downtown yuma
tim/Adobe
Yuma is a longtime favorite among snowbirds, thanks to its dry climate, slower pace of life, and affordable living.
With a cost of living 4% below the national average and median home prices nearly 30% lower than the U.S. median, Yuma offers substantial value for retirees. The area features numerous senior living communities equipped with amenities such as pools, fitness classes, and social events, as well as nearby golf courses that cater to active lifestyles.
5. Kingman
welcome to kingman downtown
Nick Fox/Adobe
Set along historic Route 66 and within driving distance of the Grand Canyon, Kingman blends affordability with access to some of Arizona's most iconic landscapes. Surrounded by the Hualapai Mountains, it's an excellent choice for retirees who enjoy hiking, biking, and outdoor exploration.
Kingman also provides a range of community events and activities that help residents stay socially connected. With a cost of living 7% below the national average and utilities 14% lower, Kingman delivers scenic charm, recreational opportunities, and practical savings all in one.
6. Benson
nature in benson arizona
CheriAlguire/Adobe
This historic railroad town, located just outside of Tucson, offers small-town charm with easy access to big-city amenities. Surrounded by scenic desert landscapes and close to Kartchner Caverns State Park, it's an ideal spot for retirees who value nature and outdoor recreation.
Benson is home to several 55+ communities tailored to active adults, and the average rent for a two-bedroom apartment remains under $1,200 a month. While utility costs run slightly higher than the national average, overall expenses remain low, thanks to reduced housing, transportation, and grocery costs, which bring the total cost of living to about 8% below the national average.
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7. Coolidge
Ancient Casa Grande Ruins National Monument
Paul Moore/Adobe
For those seeking an affordable place to retire with modern amenities and room to grow, Coolidge is a compelling choice. New investments, developments, and major employers, such as Procter & Gamble, are fueling a robust local economy.
Retirees are drawn to its sunny weather, striking desert landscapes, and variety of senior living options. While groceries and utilities run slightly above the national average, housing costs are a standout — an impressive 43% lower, which helps keep overall expenses manageable.
8. Bisbee
road leading to the mining town of bisbee
PeteLori/Adobe
This quirky, artsy mountain town is known for its historic charm and vibrant creative community. Retirees can spend their days exploring local galleries, attending cultural events, and immersing themselves in the unique character of this former mining town.
The cost of living in Benson is approximately 8% below the national average, making it a desirable option for homebuyers. June's median sale price was just $206,250, nearly 40% lower than the previous year. For those seeking to retire in a place with personality, affordability, and a slower pace, Bisbee checks all the boxes.
9. Eloy
eloy arizona mountains
robin/Adobe
Eloy caters to retirees seeking an active and social lifestyle, with a variety of events, amenities, and recreational options tailored to older adults. It's home to Robson Ranch, a large 55+ community known for its vibrant atmosphere and resort-style living.
Located near Casa Grande and Tucson, residents have easy access to shopping, healthcare, and entertainment. With housing costs a full 50% below the national average and median rent under $800 per month, retirees can stretch their budgets even further.
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Bottom line
From scenic river towns to artsy mountain gems, these Arizona cities prove you don't need a hefty budget to retire with comfort. Thanks to low housing costs, tax breaks on Social Security, and a mild desert climate, retirees can enjoy a high quality of life for under $1,900 a month.
Don't forget to consider the climate when planning for retirement! Arizona ranks among the sunniest states in the U.S., with cities like Yuma averaging over 4,000 hours of sunshine per year, making it not only affordable but bright and welcoming all year long.
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