by Salt Lake City, Utah – For many retirees, the dream of enjoying golden years without financial stress depends on finding the right place to live. With Social Security as the primary income source for millions of seniors, affordability becomes the deciding factor in choosing a retirement destination. Fortunately, Utah offers more than just stunning scenery—it’s also home to small towns where retirees can stretch their checks and still live comfortably.
Here are 10 affordable Utah small towns where living on Social Security alone is possible.
1. Panguitch
Nestled near Zion and Bryce Canyon National Parks, Panguitch is an outdoors lover’s dream. Housing costs remain remarkably low, with a median home price of about $204,000 (as of July 2025)—well below the national average. The town offers a vibrant senior center, local events, and a safe community that makes it attractive for retirees looking for affordability with a scenic backdrop.
2. Castledale
In central Utah, Castledale stands out for its rock-bottom cost of living. From utilities to groceries, expenses remain well below the national average. The community is small but welcoming, perfect for retirees seeking both affordability and a quiet lifestyle.
3. Orangeville
Just a short drive from Castledale, Orangeville offers another budget-friendly option for seniors. Housing prices are modest, and the town’s close-knit atmosphere provides a sense of security and belonging. For retirees who prefer simple living and strong community ties, Orangeville fits the bill.
4. Milford
Milford, once a historic railroad town, now serves as a stable and affordable retirement haven. Median home prices hover under $250,000, making it easy to buy a property outright with retirement savings. Its quiet pace and low cost of living allow retirees to enjoy a financially stress-free life.
5. Sigurd
Located in Sevier County, Sigurd combines affordable housing—often below $288,000—with wide-open country views. Retirees can enjoy peaceful rural living while still being close enough to healthcare services and shopping centers.
6. Roosevelt
Roosevelt is one of Utah’s most cost-effective towns for seniors. According to The Wrangler, The overall cost of living is 12% below the U.S. average, while groceries and utilities are about 20% cheaper than national norms. A quality hospital and strong local community make it a great option for retirees who prioritize healthcare access.
7. Logan
Home to Utah State University, Logan balances affordability with culture. The city’s cost of living is 10.5% below the state average, and rents are among the lowest in Utah. Retirees also benefit from vibrant community activities and easy access to mountain canyons for outdoor recreation.
Read Also: 10 Affordable Pennsylvania Towns Where Retirees Can Live Comfortably on Social Security
8. Ogden
Ogden may be better known for its outdoor recreation scene, but it’s also an affordable urban retirement choice. With a cost of living slightly below the national average and relatively inexpensive home prices, seniors can enjoy a more active lifestyle without overspending.
9. Tremonton
Located in northern Utah, Tremonton offers affordable housing and essential services while maintaining a community-first atmosphere. Its small-town spirit and low living costs make it especially attractive to retirees who want a slower pace of life without financial worries.
10. Benson
Benson is one of the state’s hidden gems for affordability. With low housing costs and proximity to Logan for amenities, Benson allows retirees to live in a peaceful, rural setting while still having access to medical care and shopping.
Why These Towns Are Great for Retirees
All ten of these Utah communities share three critical traits: low housing prices, reduced everyday expenses, and supportive communities. Many also offer proximity to healthcare services, recreational opportunities, and plenty of natural beauty. For seniors living primarily on Social Security, these towns represent both financial security and a high quality of life.
Which of these Utah towns would you consider retiring in? Share your thoughts and retirement plans in the comments at ibwhsmag.com.
