In most American cities, it can be hard to live off just a Social Security check. For 2022, the average monthly Social Security benefit for retirees is just $1,623.10. That doesn’t leave a lot of breathing room when the average monthly costs for groceries and healthcare in the U.S. clock in at $411.83 and $431.42 respectively. Although benefits will likely jump significantly in 2023, so too will costs, as inflation hasn’t showed signs of slowing down just yet.

                By                    John Csiszar

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Seniors have flocked to these destinations in the Valley of the Sun, as the 65-and-older population in each city is well above the national average of 16%. If you’re looking to live off just your Social Security check in Arizona, here are your best options.

Sierra Vista

  • Monthly expenditures: $1,525.95

Sierra Vista’s high livability score of 79 goes a long way toward putting the city on the “best for Social Security” list, but so too do its low costs. The average one-bedroom rent in the city for 2022 is just $690, and groceries cost about 4.6% less than the national average.

You’ll pay an extra $11.64 per month in healthcare costs on average, but that is more than offset by lower rent and grocery bills. All in all, the package Sierra Vista offers is enough that 22% of its population is 65 and older, well above the national average. Fans of the Old West enjoy its location about 25 minutes southwest of Tombstone, while those looking for big-city amenities will find Tucson just under 1½ hours to the northwest.

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Douglas

  • Monthly expenditures: $1,513.19

Douglas is by far the smallest city on the list, with a 2022 population of just over 16,000. The agricultural city is located in a fairly remote area, right on the border with Mexico.

This type of small-town living appeals to many seniors, and 22% of the Douglas population is 65 and over. The town’s extremely low rents of $690 per month for an average one-bedroom apartment are very attractive, as are its grocery costs, at 7.7% below the national average. That comes to just $380.12 per month, saving seniors nearly $32 per month on average.

Total monthly expenditures for rent, healthcare and groceries combined add up to $1,513.19, well below the average Social Security retirement benefit of $1,623.10.

Tucson

  • Monthly expenditures: $1,489.84

Tucson is probably the best-known Arizona city on the list, but perhaps surprisingly, it’s also the best Arizona city for both livability and affordability. A significant part of this ranking comes from the low healthcare costs in Tucson, which come in at a whopping 18.5% below the national average. That’s enough to save the average person more than $80 per month in expenses, or nearly $1,000 per year.

Groceries are also remarkably cheap when compared with national norms, coming in at $377.24 per month vs. $411.83. For someone living on a limited income, these relatively small monthly amounts can add up significantly on an annual basis. With a livability score of 65 to boot, Tucson comes in as the #1 Arizona city where you can live only on Social Security.

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