9 Charming Western Cities Where You Can Actually Live on Nothing but Social Security

Dreaming of the open range, historic towns, or rugged snow-capped mountains? You might think retiring in the Western U.S. is beyond your budget, but some lesser-known locations can make dreams come true.

When planning for retirement, it's important to think about how far your income will stretch. The average monthly Social Security benefit for retired workers is around $2,000. You may receive more or less than that, have other income, or share expenses, but the goal is to keep your housing costs as low as possible.

If the wild West and a cowboy hat are your idea of a perfect retirement, here are nine cities to explore.

Editor's note: All average rent prices are provided by Apartments.com, and all home prices by Zillow.

Average rent: $1,210

Average home value: $455,712

California's cost of living is sky-high, but Chico's is 2% lower than the national average and 30% lower than the average California city. About 90 miles north of Sacramento, it's home to Cal­i­for­nia State Uni­ver­si­ty and is known for its tree-lined streets and a focus on healthy lifestyles. Bidwell Park, one of the country's largest municipal parks, is perfect for walking, biking, or just enjoying nature.

Downtown is eclectic, with an array of restaurants and entertainment, and you'll find easy health care access in a warm, welcoming environment.

Average rent: $1,468 (sourced from Zillow)

Average home value: $434,105

If you love cowboy hats and rodeos, you might be headed to Sheridan. This small city combines Western history with modern-day comfort. You can stroll through art galleries and museums, enjoy performances at the WYO Theater, or relax in one of the many scenic parks.

While browsing downtown shops, take a moment to appreciate the historic architecture. And remember, Wyoming has no state income tax and doesn't tax Social Security income, which can help you stretch your budget even more.

Average rent: $966

Average home value: $430,945

East Helena is best known for its yearly traditional rodeo, Prickly Pear Park, and gorgeous views of the Elkhorn Mountains. Mount Helena City Park, just a few minutes away, offers winding trails and breathtaking views. You'll find a relaxed atmosphere with easy access to Helena's health care and a walkable downtown area featuring numerous shops, restaurants, and entertainment options.

Friendly and conveniently located near everything, East Helena is the epitome of Western living.

Average rent: $966

Average home value: $228,887

El Paso, known as the Sun City, offers splendid mountain views and over 300 days of sunshine annually. Dining options seem endless, crime rates are low, and excellent health care includes a VA hospital. At the Franklin Mountains State Park, you can enjoy hiking, camping, and birdwatching. Plus, you'll find five downtown districts with museums, shopping, entertainment, and much more.

If you love a Southwest flair, El Paso is an exciting city that might be perfect for you.

Average rent: $951

Average home value: $356,028

Despite its semi-arid climate, the Yakima Valley is a highly productive agricultural center known for its orchards, vineyards, and wineries. It's a nature lover's paradise with plenty of city attractions. In downtown Yakima, you'll find the Seasons Performance Hall and Capitol Theatre, plus numerous shops and restaurants. The farmers' markets and museums are favorites, and health care options are good.

Walking trails, golf courses, and fishing are all nearby, making it easy to stay active in this scenic valley.

Average rent: $921

Average home value: $157,950

Located between Oklahoma City and Dallas, Ardmore offers the convenience of a city with small-town charm. Its historic Depot District features boutiques, restaurants, antique shops, museums, and a casino, while Lake Murray State Park offers outdoor activities like golf, swimming, paddle boating, and picnicking.

With comprehensive medical services, a VA Clinic, and a friendly atmosphere, Ardmore may be the perfect place to relax without sacrificing modern amenities.

Average rent: $802

Average home value: $275,394

Butte is a small city situated 5,538 feet above sea level and ringed by mountains on three sides. The cost of living is 8% lower than the national average, making this unique city more affordable.

The historic district boasts fascinating Victorian architecture, antique shops, art galleries, and restaurants. You might love the nearby hiking trails, fishing, and golf or prefer soaking in the hot springs. With all this and more, Butte could be perfect if you want a laid-back lifestyle in big-sky country.

Average rent: $800

Average home value: $312,824

Alamosa is located in the San Luis Valley, home to Adams State University and Great Sand Dunes National Park. The park is recognized as an International Dark Sky Park, with fantastic stargazing opportunities and a chance to spot aliens from the UFO Watchtower. You can shop downtown, go hiking or birdwatching, and then relax in the hot springs. With numerous arts and cultural events and a historic downtown that's easy to explore, Alamosa is a great choice for wide-open skies and mountain views.

Average rent: $745

Average home value: $306,402

Surrounded by scenic lakes, rivers, and mountains, including Mount Shasta at 14,162 feet, Klamath Falls offers a peaceful lifestyle with plenty of outdoor adventure. Moore Park and the Link River Trail are great for walkers and birders, and museums, art galleries, and a historic downtown appeal to most anyone.

Summers are sunny and dry, while winters bring snow that never lasts long. You'll also find numerous local events and easy access to medical care.

Living out West during retirement doesn't have to mean high prices and big cities. In fact, many Western states have the lowest population densities in the country. That often means quieter streets, wide-open skies, and a slower pace of life.

By moving to one of these smaller towns, you can stretch your dollars further and maximize your senior benefits while still enjoying the lifestyle you've always pictured.

So get out that cowboy hat. Your retirement dream is possible, even on just your Social Security benefits.