Start Your Beachfront Retirement in 30 Towns Under $40,000 a Year

28. Eureka, California

Eureka, California, may come as a surprise on a list of affordable retirement destinations, given the state's generally high cost of living. However, this northern coastal town offers a refreshing alternative with its affordable housing options for both buyers and renters. While you might trade SoCal's palm trees for NorCal's majestic pines, the swap is well worth it. With a median home price of around $270,000, Eureka is a steal compared to Southern California's sky-high real estate prices.

Living in Eureka means enjoying a small-town atmosphere with big-city amenities. With a population of just 26,000, it’s the largest coastal town between San Francisco and Portland, offering a variety of attractions. The local zoo is a delightful spot for taking grandchildren and animal lovers, and the town’s historic gothic and Victorian mansions add a charming architectural flair. Outdoor enthusiasts will appreciate Eureka's proximity to Oregon's forests and the Pacific coast, providing endless opportunities for exploration and adventure.

Eureka's quiet streets are lined with breweries, coffee shops, and local boutiques, ensuring that even the most discerning shoppers are satisfied. The town's rainy climate creates perfect conditions for mushroom hunting, making it a unique draw for nature lovers. With its blend of affordability, natural beauty, and cultural richness, Eureka stands out as a fantastic retirement spot.

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