9. Las Cruces, New Mexico

Why it’s on the list: Las Cruces offers a low cost of living, stunning desert landscapes, and a relaxed atmosphere.

Cost of Living: The cost of living is well below the national average, with no state income tax on Social Security benefits.

Taxes: New Mexico has a moderate income tax rate, but Social Security benefits are tax-exempt.

Climate: Las Cruces enjoys a desert climate with hot summers and mild winters, perfect for outdoor enthusiasts.

Medical Availability: The city has healthcare facilities, including MountainView Regional Medical Center.

Housing: Las Cruces offers affordable housing options, including retirement communities.

Retiree Community: Las Cruces has a growing retiree population, attracted by its affordability and natural beauty.