15 Cities in the Pacific Northwest Where Retirees Can Live Well

Additional Coverage:

15 Affordable (And Charming) Pacific Northwest Cities for Retirees (financebuzz.com)

Dreaming of Retirement? The Pacific Northwest Might Be Your Affordable Oasis!

For those envisioning a golden age filled with scenic hikes, tranquil wine country escapes, or simply a slower pace of life, the Pacific Northwest often whispers its alluring call. While the region sometimes gets a reputation for its famously gray skies, pockets of sunshine and a delightful four-season climate offer a refreshing change, especially for those escaping more extreme weather.

And here’s a little secret: your retirement savings might stretch further than you think! Washington state boasts no state income tax, while its neighbor Oregon skips the sales tax.

This financial perk, combined with stunning natural beauty, makes the PNW a compelling choice for retirees. We’ve uncovered 15 affordable cities in the Pacific Northwest that are perfect for your retirement dreams.

1. Vancouver, Washington

Escape the hustle and higher price tags of Portland by heading just across the Columbia River to Vancouver, Washington (and no, we’re not talking about its Canadian namesake). This wallet-friendly city enjoys Washington’s lack of state income tax while offering all the benefits of the Portland metro area – without the notorious traffic and inflated costs. With easy access to beaches, mountains, and a vibrant waterfront of its own, Vancouver truly has something for everyone.

2. Willows, California

Affordable California living? It sounds like an oxymoron, but the small Northern California town of Willows is defying expectations. With a median home price of just $233,000 (a figure practically unheard of in the Golden State!), this community-focused town is ideal for those seeking mild weather and proximity to the Sacramento National Wildlife Refuge and Mendocino National Forest.

3. Coos Bay, Oregon

For retirees on a fixed income, Coos Bay, Oregon, presents a compelling option. Home prices here are significantly below the Oregon state median.

Nature lovers will appreciate the nearby state parks, the Oregon Dunes National Recreation Area, and Umpqua Dunes – perfect for an active retirement. Add in local museums and a coastal setting, and you have a fantastic place to spend your later years.

Plus, Coos Bay is a regional healthcare hub, a valuable asset for retirees.

4. Spokane, Washington

You don’t have to sacrifice city amenities for affordability. Spokane, a mid-sized Washington city, offers a comfortable retirement without state income tax.

While its cost of living is slightly above the national average, it remains below the Washington state average. Enjoy four distinct seasons and an abundance of golf courses.

Its size also ensures excellent healthcare options, including specialized rehabilitation centers.

5. Umatilla, Oregon

While property values have seen an uptick, Umatilla’s median home value of $369,900 (according to Redfin) still places it among the more affordable gems in the Pacific Northwest. This Eastern Oregon town, with a population just under 8,000, provides a charming small-town atmosphere. History buffs will enjoy exploring the local heritage, and nature enthusiasts can explore the Umatilla National Wildlife Refuge and McNary National Wildlife Refuge.

6. Kingston, Washington

Craving old-fashioned charm with stunning water views? Kingston, Washington, might be your perfect retirement haven.

This picturesque waterfront community offers incredible vistas, ample hiking trails, and a calendar full of small-town festivals and events. While its cost of living is above the national average, it remains considerably more affordable than many other Pacific Northwest cities.

7. Ephrata, Washington

Ephrata is steadily gaining recognition, with home values on the rise, yet its median home price is still less than half the Washington state median, making it a truly affordable retirement destination. Nestled in the Columbia River Basin, Ephrata is an outdoor enthusiast’s dream, ideal for retirees who love hiking, mountain biking, and embracing the great outdoors.

8. Blackfoot, Idaho

Potato lovers, rejoice! Blackfoot, Idaho, proudly claims the title of “Potato Capital of the World.”

But beyond its spud-tacular fame, this quiet town of approximately 13,000 boasts a median home value of just $305,000. Its close-knit community makes it an excellent, serene place to enjoy your golden years.

9. Eureka, California

Experience the unparalleled natural beauty of Northern California without the exorbitant price tag in Eureka. This waterfront town offers breathtaking views of Humboldt Bay and magnificent redwood forests. For those with a passion for restoration projects, Eureka is home to hundreds of charming Victorian homes awaiting a new lease on life.

10. Salem, Oregon

Despite rising housing prices, Salem, Oregon’s state capital, remains a relatively affordable option compared to other parts of the state. Its historic downtown, picturesque parks, and mild weather create an inviting atmosphere for retirees. Plus, its proximity to the renowned Willamette wine region and excellent healthcare facilities make it a well-rounded choice.

11. Sequim, Washington

While the Pacific Northwest often draws a younger demographic, Sequim, Washington, stands out for its mature population, with approximately 42% of residents over 65. Located in the shadow of the majestic Olympic Mountains, this city boasts exceptional weather and vibrant lavender fields that attract visitors statewide. Its cost of living is only slightly above the national average, and of course, Washington’s lack of state income tax is a significant draw.

12. Port Townsend, Washington

This charming coastal town of 10,000 offers an affordable waterfront lifestyle in Washington. With no state income tax and a cost of living below the state average, Port Townsend is a popular choice for retirees. Its bustling, historic downtown is brimming with unique restaurants and cozy coffee shops, ensuring a vibrant community experience.

13. Harbor, Oregon

In Harbor, Oregon, retirees can enjoy the financial benefits of no state sales tax and no tax on Social Security income, freeing up more funds to manage a slightly higher cost of living. This popular retirement town, though small with just over 2,000 residents, sees a remarkable 59% of its population over 65. Its mild climate and active outdoor scene – perfect for camping, hiking, boating, and fishing – make it an ideal rural retreat.

14. Issaquah, Washington

For Pacific Northwesterners who want to remain close to Seattle’s healthcare, cultural opportunities, or family, Issaquah offers a welcome escape. This small city of about 40,000 residents provides an urban feel within a more affordable suburban setting. While its cost of living is still above average, it’s notably lower than Seattle’s, offering the ease of life outside the big city without being too far removed.

15. Wenatchee, Washington

If you’re seeking a small city where your money goes further, Wenatchee is worth considering. This city of 35,500 is known as the “Apple Capital of the World” thanks to its lush landscape. With over 20 parks and a vibrant cultural scene, Wenatchee offers an active and engaging community for retirees along the Columbia River.

The Bottom Line

While the Pacific Northwest might not be the cheapest retirement destination on the map, affordable gems are definitely out there. By exploring smaller towns and slightly off-the-beaten-path locations that are still conveniently close to larger cities, you can absolutely embrace the stunning natural landscapes and laid-back lifestyle the PNW is famous for, all at a more retirement-friendly price.