Missouri is widely recognized for its low cost of living, making it an appealing destination for retirees relying solely on Social Security. Many small towns across the state offer affordable housing, reasonable utility costs, and a welcoming community atmosphere—key factors for those on a fixed income.
Here are 10 small towns in Missouri where you can comfortably live on Social Security alone:
1. Trenton
Named the most affordable town in Missouri for 2025, Trenton offers a strong sense of community and a rural atmosphere. The cost of living is well below the national average, making it ideal for seniors seeking to stretch their Social Security dollars.
2. Kennett
Located in Dunklin County, Kennett is consistently ranked among the cheapest places to live in Missouri. With a median home value significantly lower than the state average, residents enjoy affordable housing and a close-knit community.
3. Brookfield
This Linn County town boasts small-town charm and a low median home price (around $184,900). Brookfield offers parks, a bustling downtown, and a senior center, making it an excellent choice for retirees.
4. Carterville
With fewer than 2,000 residents, Carterville is perfect for those seeking peace and quiet. The median home price is about $190,000, and the community is known for its welcoming spirit and access to nature trails and parks.
5. Poplar Bluff
Known as “The Gateway to the Ozarks,” Poplar Bluff provides affordable homes (median price around $189,900) and a range of amenities, including a regional medical center and a senior citizens’ center.
6. Buffalo
With a median home price of $225,000 and a population just over 3,000, Buffalo offers a friendly, rural environment and easy access to Springfield for additional services and amenities.
7. Sedalia
Home to the Missouri State Fair, Sedalia stands out for its low cost of living (15% below the national average) and rich cultural scene. It offers museums, festivals, and a supportive community for retirees.
8. Carthage
This historic town features a cost of living 14% below the national average and a vibrant calendar of community events. Carthage is known for its beautiful architecture and welcoming atmosphere.
9. Jennings
A suburb of St. Louis, Jennings offers a median home value of just over $67,000 and a cost of living 6.9% below the national average. It provides urban conveniences at a fraction of the price found in larger cities.
10. Maplewood
This small-town suburb of St. Louis emphasizes both affordability and sustainable living. Maplewood offers a blend of small-town feel with access to big-city amenities, making it attractive for seniors on a budget.
Why These Towns Stand Out
Affordable Housing: Median home prices in these towns are well below both state and national averages, making homeownership or renting manageable on Social Security income.
Low Cost of Living: Utilities, groceries, and healthcare costs are generally lower in these areas, allowing retirees to maintain a comfortable lifestyle.
Community Resources: Many of these towns offer senior centers, parks, and local events, which help foster a sense of belonging and provide opportunities for social engagement.
Healthcare Access: Several towns, such as Poplar Bluff and Brookfield, have regional medical centers or clinics that cater to senior health needs.
Living on Social Security in Missouri
The average monthly cost of living for a single person in Missouri is around $1,957, or just under $23,500 annually. With the average Social Security benefit for retirees hovering near this amount, these towns enable seniors to live independently without financial strain, especially when prioritizing rural or small-town living over urban centers.
Missouri’s combination of affordability, community spirit, and access to essential services makes these small towns excellent choices for retirees seeking to maximize their Social Security income.
Sources
[1] https://www.unbiased.com/discover/banking/what-is-the-cost-of-living-in-missouri
[2] https://missouripartnership.com/why-missouri/living-in-missouri/
[3] https://www.niche.com/places-to-live/search/cost-of-living/s/missouri/
[4] https://979kickfm.com/missouri-most-affordable-city/
[5] https://www.houzeo.com/blog/cheapest-places-to-live-in-missouri/
