10 Small Towns In Illinois So Affordable, You Can Live On Social Security Alone

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10 Small Towns In Illinois So Affordable, You Can Live On Social Security Alone

Illinois offers a surprising number of small towns where retirees can stretch their Social Security checks without sacrificing quality of life.

With no tax on Social Security income, relatively low property taxes, and affordable housing, these towns cater to anyone seeking security and simplicity in retirement. Here are ten towns where your benefits go a long way—each with its distinct character, amenities, and welcoming communities.

1. Litchfield

Nestled in Montgomery County, Litchfield boasts a low cost of living and average rents around $925 for a two-bedroom apartment. The town is known for quality healthcare, safe neighborhoods, and community spirit, offering retirees a peaceful lifestyle with plenty of local events, parks, and picturesque lakes.

2. Freeport

Situated in northwestern Illinois, Freeport stands out for its extremely low median rent (as low as $366) and a cost of living 27% below the national average. Home values are modest, and seniors enjoy scenic parks, annual festivals, and a proud history in manufacturing.

3. Effingham

Located in South Central Illinois, Effingham features a cost of living nearly 20% below the national average and one-bedroom rents around $921. It offers numerous public parks, accessible healthcare, and a robust menu of recreational and seasonal community events.

4. Moline

A core city of the Quad Cities region, Moline is well-known for its affordability: average rent for a two-bedroom apartment is $972 and the cost of living is 18% lower than the national average. The town provides medical facilities, a lively downtown, and riverfront attractions.

5. Quincy

Overlooking the Mississippi River, Quincy offers retirees beautiful park spaces, affordable rents ($1,103 for a two-bedroom), and an array of retail and dining options. It is also a medical hub for the region, ensuring access to great healthcare.

6. Mattoon

Mattoon is a hidden gem with a cost of living 27% below the national average and average rents for a two-bedroom around $1,005. Its small-town charm is complemented by a lively downtown, friendly locals, and an accessible healthcare network.

7. Olney

In Olney, housing costs are roughly 25% lower than the US average, average rent is around $913 for a two-bedroom, and the town is famous for its friendly white squirrel population and recreational opportunities at Richland County Lake.

8. Sterling

Located along the Rock River, Sterling offers affordable living (average rent $858), tranquil river views, and easy access to outdoor activities. The town’s history and close-knit community add to its small-town appeal.

9. Galena

Galena is a famous historic town with average one-bedroom rent at $776, a cost of living score of 83, and a thriving cultural scene. Its 19th-century architecture and charming boutiques add extra charm for those drawn to arts and history.

10. Hoopeston

With a population just over 5,000, Hoopeston is perfect for those who crave a quiet retirement. The median home price is about $64,500, and the area features affordable living alongside plenty of outdoor recreation options.

Why These Towns Stand Out

Social Security Income Stretches Farther: Illinois does not tax Social Security income, and these towns offer rents and living costs well below national averages.

Healthcare Access: Each town provides access to local or regional hospitals and clinics, essential for retirees.

Community Atmosphere: Regular events, welcoming neighbors, and a slower pace of life foster strong social bonds.

If you’re looking to make your Social Security check cover more than just the basics—and want comfort, convenience, and genuine community—these small Illinois towns deliver big on value and peace of mind.

Sources

[1] https://www.insidermonkey.com/blog/15-best-places-in-illinois-for-a-couple-to-live-on-only-social-security-1329539/
[2] https://www.houzeo.com/blog/cheapest-places-to-live-in-illinois/
[3] https://www.seniorliving.org/retirement/best/affordable/
[4] https://www.reddit.com/r/illinois/comments/1k6fs35/looking_to_move_to_an_illinois_city_with_low/
[5] https://federalcos.com/blog/best-places-to-retire-in-illinois/

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