Living on Social Security alone can feel nearly impossible in many places—but Colorado might surprise you. While some areas of the state are known for sky-high housing costs (looking at you, Aspen and Boulder), several smaller cities and towns offer a much more affordable lifestyle. If you’re relying solely on your Social Security income, these Colorado cities could offer a realistic path to comfortable, lower-cost living.
Pueblo
Pueblo is one of Colorado’s most affordable cities, and it has been quietly attracting retirees for years. The cost of housing is significantly below the state average, with median rent and home prices well within reach of those living on fixed incomes.
The city also has solid healthcare facilities, cultural attractions, and a surprisingly vibrant riverwalk area. For those who want access to city services without Denver-level prices, Pueblo is a smart choice.
Canon City
Known for its stunning views and proximity to the Royal Gorge, Canon City is a peaceful, scenic place to retire on a tight budget. Home prices and rental rates are among the lowest in the state, and the slower pace of life appeals to many older adults looking to simplify.
Canon City also has a strong sense of community, easy access to nature, and enough amenities to support a comfortable lifestyle without high expenses.
Grand Junction
Grand Junction sits on Colorado’s Western Slope and offers a desert climate, beautiful red rock scenery, and a much lower cost of living than cities on the Front Range. One of its biggest strengths is access to medical care—Grand Junction has a solid reputation for healthcare quality and affordability.
The housing market is still reasonable, and public transportation makes getting around manageable for seniors without a car.
Alamosa
If you’re looking for a slower, more rural lifestyle, Alamosa in southern Colorado is worth considering. With its very low housing costs and quiet setting, this small town offers a true break from the hustle.
It’s also home to Adams State University, which brings a bit of culture and activity into an otherwise sleepy environment. For seniors who prioritize peace, affordability, and scenic beauty, Alamosa fits the bill.
Trinidad
Trinidad, located near the New Mexico border, is one of Colorado’s hidden gems. It offers historic architecture, an emerging arts scene, and some of the lowest housing prices in the state.
The downtown is walkable and charming, and the town’s proximity to I-25 makes travel easy if you want to visit larger cities now and then. For retirees living on Social Security, Trinidad offers an affordable and culturally rich alternative.
Lamar
Lamar may not have the glamor or mountain views of other Colorado towns, but what it lacks in flash, it makes up for in affordability and practicality. With very low rent and basic living costs, it’s possible to live here entirely on Social Security. The town is quiet, community-focused, and ideal for people who value simplicity and stability in their retirement years.
