Retiring in Iowa offers a unique blend of affordability, peace, and community—qualities that make it one of the best-kept secrets in the Midwest for retirees. Deciding where to spend this golden phase of life is a crucial decision, especially for individuals seeking not only comfort but also financial security. With a population of approximately 3.2 million in 2022, more than 18% of Iowans are over the age of 65, making Iowa one of the top states with a large retirement population. Nestled in the rural beauty of the Midwest, Iowa offers a unique combination of affordability, quality of life, and peace that is hard to find elsewhere. Whether you're looking for small-town charm, vibrant cultural opportunities, or a chance to enjoy nature’s beauty, Iowa has something for everyone. Let’s explore what makes Iowa a top choice for retirees and highlight some of the best communities to consider for your golden years.
Why Retire in Iowa?
1. Affordability and Cost of Living
One of the most compelling reasons to retire in Iowa is its relatively low cost of living. Iowa consistently ranks below the national average for living expenses—approximately 6% lower in 2023. This provides retirees with substantial savings on everyday costs, allowing more flexibility for hobbies, travel, and other retirement dreams. Affordable Housing: The median home price in Iowa was about $215,000 in 2023, compared to the national median of $387,000, according to the Iowa Association of Realtors. Low Property Taxes: Iowa’s property tax rates, averaging 1.5%, are among the lowest in the nation, offering additional financial security for retirees. If you're considering luxury homes for sale in Iowa, you'll find stunning properties offering modern designs, spacious living, and top-tier amenities—all at a fraction of the cost compared to other states.
2. Tax Benefits for Retirees
Iowa provides several tax advantages tailored for retirees. Social Security income is exempt from state taxes, and individuals over 55 can exclude up to $6,000 of other retirement income annually. These policies allow retirees to maximize their savings and maintain a comfortable lifestyle.
3. Quality Healthcare Services
Access to quality healthcare is a top priority for retirees, and Iowa delivers on this front. In 2023, the University of Iowa Hospitals & Clinics ranked among the best in the nation for specialties like geriatrics and cardiology. Iowa also offers affordable healthcare options, such as Medicare Advantage plans with an average annual premium of $34 in 2023.
Top Iowa Communities for Retirees
1. West Des Moines
West Des Moines is one of Iowa’s most vibrant and retiree-friendly cities, offering a mix of urban conveniences and suburban peace. With a bustling shopping scene, excellent healthcare facilities, and countless recreational options, it’s a fantastic place for active retirees. Perks for Retirees: Access to top-rated healthcare facilities, such as UnityPoint Health – Methodist West. Retail and dining options at Jordan Creek Town Center, Iowa's largest mall. Beautiful parks and trails, including Raccoon River Park, perfect for walking and fishing. Median Home Price: $325,000.
2. Urbandale
Urbandale combines a suburban feel with plenty of amenities and green spaces, making it ideal for retirees. Its central location allows for easy access to Des Moines and surrounding towns. Perks for Retirees: Miles of trails and parks, including Walker Johnston Park and Living History Farms. A strong sense of community with events like the Urbandale Farmers' Market. Excellent medical facilities nearby, including MercyOne West Des Moines. Median Home Price: $310,000.
3. Waukee
As one of the fastest-growing towns in Iowa, Waukee combines modern amenities with small-town charm. It’s an ideal location for retirees who want access to healthcare, recreation, and community events. Perks for Retirees: Active social events like the Waukee Farmers' Market. Access to Sugar Creek Trail for walking and biking. High-quality healthcare nearby in West Des Moines. Median Home Price: $320,000.
4. Adel
Adel’s scenic location along the Raccoon River and its proximity to Des Moines make it a top choice for retirees. Its tight-knit community and historic charm are hard to beat. Perks for Retirees: Enjoy the Raccoon River Valley Trail for year-round recreation. Take part in community events like the annual Sweet Corn Festival. Affordable housing options with a peaceful, small-town atmosphere. Median Home Price: $260,000.
5. Van Meter
This quiet town offers rural tranquility without sacrificing access to modern amenities. Retirees can enjoy beautiful views, outdoor activities, and a strong sense of community. Perks for Retirees: Explore Badger Creek State Recreation Area for fishing and hiking. Learn about local history at the Bob Feller Museum. Proximity to West Des Moines for shopping and healthcare. Median Home Price: $275,000.
6. Winterset
Famous for its historic covered bridges and as the birthplace of John Wayne, Winterset offers retirees a mix of history, charm, and outdoor recreation. Perks for Retirees: Tour the Madison County Covered Bridges. Savor local wines at Covered Bridges Winery. Enjoy peaceful living with an active arts community. Median Home Price: $180,000.
7. Dallas Center
Located just outside West Des Moines, Dallas Center provides a quiet and friendly atmosphere with easy access to city amenities. Perks for Retirees: Access to the Raccoon River Valley Trail. Community events like the Fall Festival for socializing. A safe, welcoming environment with a small-town vibe. Median Home Price: $210,000.
8. Cumming
Cumming offers a peaceful countryside lifestyle while being close to the amenities of West Des Moines. Retirees can enjoy the tranquility of rural living without sacrificing convenience. Perks for Retirees: Walk or bike along the scenic Great Western Trail. Explore local wineries and enjoy the area’s natural beauty. Friendly neighbors and wide-open spaces. Also, Cumming is home to all of Iowa's agrihood homes for sale. Median Home Price: $300,000.
What About Townhomes?
For retirees seeking low-maintenance living, townhomes offer a perfect solution. Iowa has a growing number of modern townhome communities designed with convenience and comfort in mind. These properties typically feature amenities like lawn care, snow removal, and community facilities, allowing retirees to focus on enjoying their retirement rather than maintaining their property. Townhomes in Iowa provide a variety of options, from affordable units to high-end luxury designs, ensuring there’s something for every lifestyle and budget. Many townhomes are located in walkable neighborhoods near shops, parks, and healthcare facilities, making them an excellent choice for retirees seeking convenience without sacrificing quality.
Access to Acreages for Sale in Iowa
For retirees dreaming of space, tranquility, and countryside views, Iowa also offers beautiful acreages for sale. These properties are perfect for those who want the serenity of rural living while still being within a short drive of vibrant communities like West Des Moines and Urbandale. Acreages in Iowa often include features like spacious homes, barns, and gardens, making them ideal for retirees looking to embrace a peaceful, self-sufficient lifestyle.
Travel and Connectivity
Iowa offers the best of both worlds: rural tranquility and easy access to major cities like Chicago, Minneapolis, and Kansas City. The state’s well-maintained highways and regional airports make it simple for retirees to travel for leisure or to visit family.
Plan Your Move to Iowa
If you’re considering a move to Iowa for retirement, I’d love to help you find the perfect home, townhome, or acreage in a community that fits your lifestyle. Whether you’re dreaming of small-town charm, luxury living, or wide-open spaces, there’s a place here that’s just right for you. Ready to take the next step? Visit my Relocation Page to learn more about how I can help make your transition seamless!
