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Emerging Retirement Hotspots: Six Affordable Towns

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  Published in House and Home on Thursday, January 8th 2026 at 5:37 GMT by Investopedia

A Look at Six Emerging Retirement Hotspots:

Tennessee's Twin Gems: Athens & Kingsport - The Volunteer State consistently ranks high for affordability, and the towns of Athens and Kingsport exemplify this. Athens, nestled in the Appalachian foothills, offers median home prices around $245,000 with a cost of living index of 87.1. Its proximity to Watts Bar Lake provides ample opportunities for water-based recreation. Kingsport, also in the Appalachian Highlands, boasts an even lower cost of living at 84.8 and median home prices of $210,000. Both towns provide a balance of natural beauty and access to essential healthcare and cultural amenities in nearby cities.

New York's Finger Lakes Region: Auburn - While New York State is often associated with high costs, Auburn presents a surprising exception. Situated in the picturesque Finger Lakes region, this historic city provides a vibrant cultural scene with museums, theaters, and a thriving wine and brewery industry. The median home price of $225,000 and a cost of living index of 90.1 make it an appealing option for retirees seeking a stimulating environment without breaking the bank.

Virginia's Shenandoah Valley: Harrisonburg - Harrisonburg, a lively college town, benefits from the energy and diversity a university brings. Located in the scenic Shenandoah Valley, it offers a range of cultural and recreational activities, coupled with a growing healthcare system. Despite having a slightly higher cost of living index of 93.2 and median home price of $320,000, the quality of life and access to amenities make it a worthwhile consideration.

Oregon's Willamette Valley: Junction City - For those drawn to the Pacific Northwest, Junction City provides a more affordable gateway to the region's natural beauty. Surrounded by forests, rivers, and mountains, it's ideal for outdoor enthusiasts. The town boasts a strong sense of community and, while the median home price is $340,000 with a cost of living index of 96.5, the overall lifestyle appeals to many.

Arizona's Mountain Retreat: Prescott - While Arizona is a popular retirement destination, Prescott offers a different vibe than the sprawling desert cities. Located in the mountains, it provides a milder climate and stunning scenery. Although the cost of living (102.3) and median home price ($450,000) are higher than other towns listed, Prescott still delivers good value, especially for those seeking an active outdoor lifestyle and a vibrant downtown area.

The Shifting Retirement Landscape

The rise in popularity of these underrated small towns reflects a broader shift in retirement planning. Retirees are increasingly prioritizing financial security and quality of life over simply chasing sunshine and warmth. They are actively seeking communities where their retirement dollars will stretch further, allowing them to enjoy their golden years without financial stress. This trend is likely to continue as the population ages and the cost of living in traditional retirement destinations continues to rise.