These are the 25 Best Towns to Retire in Iowa Taking the Costs of Buying a Home and Homeownership Into Consideration Along with Several Other Key Criteria

This comprehensive guide evaluates 25 Iowa communities as potential retirement destinations.

The grades I’ve assigned to each criterion (A+ through D-) reflect my subjective assessments based on current data and local conditions as of 2024.

To ensure fair comparisons, I’ve evaluated towns relative to other Iowa communities rather than national standards – for instance, an “A” in Weather reflects the best climate conditions within Iowa, not compared to Florida or Arizona.

Related: 5 of the Most Expensive Houses For Sale in Iowa

I’ve listed communities alphabetically rather than ranked, allowing me to weigh factors according to my personal preferences.

Related: 10 Secluded Towns Deep in Iowa’s Yellow River Forest

I’ve assessed each town across six key criteria: housing costs and mortgage affordability, healthcare access, weather conditions, cultural activities, crime rates, and airport proximity.

1. Ames

• Cost of Housing: B-
• Healthcare Access: A-
• Weather: B-
• Cultural Activities: A
• Crime Rate: A-
• Airport Proximity: B

Home to Iowa State University, Ames offers an ideal blend of college town amenities with a peaceful retirement lifestyle. With a median home price of $275,000, getting a mortgage here remains reasonably affordable for retirees, and new developments on the north side provide modern housing options. Healthcare facilities are conveniently located just minutes from any location in town. Des Moines International Airport is a 45-minute drive south via I-35. The presence of Iowa State provides access to Big 12 sporting events, Stephens Auditorium performances, and Reiman Gardens. The crime rate is notably low at 18 per 1,000 residents.

2. Ankeny

• Cost of Housing: B-
• Healthcare Access: A-
• Weather: B
• Cultural Activities: B+
• Crime Rate: A
• Airport Proximity: A

Ankeny stands out for its exceptional safety record and convenient location near Des Moines. The median home price of $285,000 means mortgage payments remain manageable for most retirees, with numerous new developments available on the north side. Healthcare facilities are readily available, with major hospitals just 15 minutes away in Des Moines. Des Moines International Airport is an easy 20-minute drive south. The District at Prairie Trail offers shopping and dining, while Saylorville Lake is just minutes away. The crime rate is very low at 15 per 1,000 residents.

Related: 16 of the Most Charming Quilting Towns in Iowa’s Rolling Hills

3. Bettendorf

• Cost of Housing: B
• Healthcare Access: A-
• Weather: B
• Cultural Activities: B+
• Crime Rate: A-
• Airport Proximity: A-

This Quad Cities gem offers stunning Mississippi River views and excellent amenities for active retirees. The median home price of $265,000 makes home loans relatively reasonable for the value, with many properties offering river vistas. Quality healthcare is available just 5 minutes away in neighboring Davenport. The Quad Cities International Airport is a convenient 15-minute drive. Cultural attractions include the Figge Art Museum, Quad Cities Symphony Orchestra, and the Isle Casino. The crime rate is an attractive 20 per 1,000 residents.

4. Carroll

• Cost of Housing: A
• Healthcare Access: B
• Weather: B-
• Cultural Activities: B-
• Crime Rate: A-
• Airport Proximity: C+

Carroll offers an exceptionally affordable, peaceful retirement in western Iowa. With a median home price of $170,000, mortgage affordability is a major draw for retirees seeking value. Comprehensive healthcare is available locally. Des Moines International Airport is a 90-minute drive east. The Municipal Golf Course, Sauk Rail Trail, and Swan Lake State Park offer excellent outdoor recreation. The crime rate is an impressive 17 per 1,000 residents.

5. Cedar Rapids

• Cost of Housing: A-
• Healthcare Access: A-
• Weather: B-
• Cultural Activities: B+
• Crime Rate: B-
• Airport Proximity: A

Iowa’s second-largest city offers an impressive combination of urban amenities and affordable living. The median home price of $225,000 means excellent mortgage affordability for retirees, with diverse housing options from historic homes to new builds. Two major hospitals provide comprehensive healthcare. The Eastern Iowa Airport is just 15 minutes south of downtown. Cultural attractions include the Cedar Rapids Museum of Art, Orchestra Iowa, and the popular NewBo City Market. The crime rate is 38 per 1,000 residents, varying significantly by neighborhood.

6. Clive

• Cost of Housing: C+
• Healthcare Access: A-
• Weather: B
• Cultural Activities: B+
• Crime Rate: A
• Airport Proximity: A

This upscale Des Moines suburb offers exceptional safety and recreational amenities. The median home price of $325,000 means mortgages can be more expensive, but the quality of life justifies the investment for many retirees. Healthcare options are readily available within 10 minutes. Des Moines International Airport is a quick 15-minute drive south. The Greenbelt Trail system and Clive Festival are popular attractions. The crime rate is remarkably low at 13 per 1,000 residents.

7. Coralville

• Cost of Housing: B-
• Healthcare Access: A+
• Weather: B-
• Cultural Activities: A-
• Crime Rate: B+
• Airport Proximity: B+

Coralville combines world-class healthcare with excellent cultural amenities. The median home price of $280,000 translates to reasonable mortgage payments for most retirees. Top-tier medical care is just 5 minutes away. The Eastern Iowa Airport is a 25-minute drive. The Iowa River Landing features shopping and dining, while the Coralville Center for the Performing Arts hosts regular events. The crime rate is a comfortable 22 per 1,000 residents.

8. Decorah

• Cost of Housing: B+
• Healthcare Access: B
• Weather: B-
• Cultural Activities: B+
• Crime Rate: A
• Airport Proximity: C

Decorah captivates retirees with its stunning natural beauty and strong sense of community. The median home price of $245,000 keeps mortgages within reach for most retirees. Local healthcare is readily available with specialty services. The nearest major airport is Rochester International, 75 miles away. Luther College provides cultural events, while the area offers world-class trout fishing and the popular Trout Run Trail. The crime rate is exceptionally low at 12 per 1,000 residents.

9. Dubuque

• Cost of Housing: A
• Healthcare Access: A-
• Weather: B-
• Cultural Activities: B+
• Crime Rate: B
• Airport Proximity: B-

This historic Mississippi River city offers incredible value and charm for retirees. With a median home price of $195,000, mortgage affordability is a major advantage, especially for those seeking historic homes. Two major hospitals provide comprehensive healthcare. The Dubuque Regional Airport offers daily flights to Chicago. Attractions include the National Mississippi River Museum, Diamond Jo Casino, and historic cable car. The crime rate is 35 per 1,000 residents.

10. Fairfield

• Cost of Housing: A
• Healthcare Access: B
• Weather: B
• Cultural Activities: B+
• Crime Rate: B+
• Airport Proximity: C+

Fairfield’s unique cultural scene and affordable living make it a distinctive retirement choice. The median home price of $175,000 ensures excellent mortgage affordability for retirees. Local healthcare is available, with larger hospitals within an hour’s drive. The nearest major airport is Eastern Iowa Airport, 100 miles away. The town is known for its thriving arts scene, Maharishi International University, and monthly First Friday Art Walk. The crime rate is 25 per 1,000 residents.

11. Fort Dodge

• Cost of Housing: A+
• Healthcare Access: B
• Weather: B-
• Cultural Activities: B-
• Crime Rate: B-
• Airport Proximity: C+

Fort Dodge stands out for its exceptional housing affordability and small-town charm. With a median price of $125,000, mortgage affordability is outstanding, making it perfect for budget-conscious retirees. Comprehensive healthcare is available at the regional medical center. Fort Dodge Regional Airport offers limited commercial service, with Des Moines International Airport 95 miles south. Attractions include Oleson Park Zoo and the Fort Museum and Frontier Village. The crime rate is 48 per 1,000 residents.

12. Grimes

• Cost of Housing: B-
• Healthcare Access: A-
• Weather: B
• Cultural Activities: B-
• Crime Rate: A
• Airport Proximity: A-

Grimes combines suburban comfort with excellent accessibility to Des Moines amenities. The median home price of $285,000 means reasonable mortgage payments for most retirees. Healthcare facilities are available locally, with major hospitals 20 minutes away. Des Moines International Airport is a 25-minute drive south. The Grimes Sports Complex and Governor’s District offer recreation and dining options. The crime rate is very low at 13 per 1,000 residents.

13. Iowa City

• Cost of Housing: B
• Healthcare Access: A+
• Weather: B-
• Cultural Activities: A+
• Crime Rate: B
• Airport Proximity: B+

Iowa City offers an unmatched combination of world-class healthcare and vibrant cultural life. The median home price of $295,000 means home loans are moderately expensive but still achievable for many retirees. Top-tier medical care is available through the university medical system. The Eastern Iowa Airport is approximately 20 miles away with regular shuttles available. Cultural activities abound through the university, including Big Ten sports, Hancher Auditorium performances, and numerous museums. The crime rate is 28 per 1,000 residents.

14. Johnston

• Cost of Housing: C+
• Healthcare Access: A-
• Weather: B
• Cultural Activities: B
• Crime Rate: A
• Airport Proximity: A

Johnston provides an upscale suburban lifestyle with exceptional safety ratings. The median home price of $350,000 means mortgages can be costly, but many retirees find the amenities worth the investment. Healthcare facilities are readily available, with major hospitals 15 minutes away. Des Moines International Airport is 20 minutes south. Attractions include Saylorville Lake, the Iowa Gold Star Military Museum, and easy access to Des Moines events. The crime rate is extremely low at 12 per 1,000 residents.

15. Marion

• Cost of Housing: A-
• Healthcare Access: A-
• Weather: B-
• Cultural Activities: B
• Crime Rate: A-
• Airport Proximity: A-

Marion offers an appealing mix of small-town charm and city conveniences. With a median home price of $235,000, mortgage affordability is excellent for retirees. Two major hospitals are within 10 minutes’ drive. The Eastern Iowa Airport is 20 minutes away. The Uptown district features local shops and restaurants, while Lowe Park hosts summer concerts. The crime rate is a low 18 per 1,000 residents.

16. Mason City

• Cost of Housing: A
• Healthcare Access: B+
• Weather: B-
• Cultural Activities: B
• Crime Rate: B
• Airport Proximity: B

Mason City’s architectural heritage and affordability make it a unique retirement destination. With a median home price of $155,000, mortgage affordability is excellent for retirees on fixed incomes. Regional medical care is available locally. Mason City Municipal Airport offers connections to Chicago. Attractions include the Frank Lloyd Wright Stockman House and Music Man Square. The crime rate is 45 per 1,000 residents.

17. Muscatine

• Cost of Housing: A
• Healthcare Access: B+
• Weather: B
• Cultural Activities: B-
• Crime Rate: B
• Airport Proximity: B

This Mississippi River town offers stunning views and small-town charm at an excellent value. With a median home price of $165,000, mortgage affordability is a significant advantage for retirees. Local healthcare is available, with larger hospitals in the Quad Cities 45 minutes away. Quad Cities International Airport is 45 minutes northeast. The riverfront park system and historic downtown district provide plenty of recreational opportunities. The crime rate is 38 per 1,000 residents.

18. North Liberty

• Cost of Housing: B
• Healthcare Access: A
• Weather: B-
• Cultural Activities: B+
• Crime Rate: A-
• Airport Proximity: B+

North Liberty offers an ideal balance between Iowa City and Cedar Rapids with excellent amenities for active retirees. The median home price of $270,000 means mortgage payments remain reasonable for most retirees. Top healthcare facilities are available within 15 minutes in either direction. The Eastern Iowa Airport is 25 minutes away. The Liberty Centre and extensive trail system provide recreation options. The crime rate is low at 16 per 1,000 residents.

19. Pella

• Cost of Housing: B+
• Healthcare Access: B+
• Weather: B
• Cultural Activities: B
• Crime Rate: A
• Airport Proximity: B-

This charming Dutch-influenced town offers a unique cultural experience and strong community spirit. The median home price of $240,000 keeps mortgage payments affordable for most retirees. Local healthcare services are readily available through the regional health center. Des Moines International Airport is 45 minutes away. Famous for its annual Tulip Time festival, Pella also offers the Molengracht Plaza and Central College events. The crime rate is very low at 14 per 1,000 residents.

20. Pleasant Hill

• Cost of Housing: B
• Healthcare Access: A-
• Weather: B
• Cultural Activities: B
• Crime Rate: A-
• Airport Proximity: A

Pleasant Hill provides convenient access to Des Moines while maintaining its own peaceful suburban character. The median home price of $255,000 makes home loans reasonably affordable for retirees. Major hospitals are just 10 minutes away in Des Moines. Des Moines International Airport is 15 minutes southwest. The Gay Lea Wilson Trail and Copper Creek Lake Park offer outdoor recreation. The crime rate is low at 18 per 1,000 residents.

21. Spencer

• Cost of Housing: A
• Healthcare Access: B
• Weather: C+
• Cultural Activities: B-
• Crime Rate: B+
• Airport Proximity: C

Spencer shines as a regional hub offering excellent affordability in northwest Iowa. With a median home price of $160,000, mortgage affordability is a major attraction for budget-conscious retirees. Regional healthcare services are available locally. The nearest major airport is Sioux Falls Regional, 90 miles away. The Clay County Fair, second largest in Iowa, is a major attraction. The crime rate is 22 per 1,000 residents.

22. Urbandale

• Cost of Housing: B-
• Healthcare Access: A-
• Weather: B
• Cultural Activities: B+
• Crime Rate: A
• Airport Proximity: A

This established Des Moines suburb offers excellent amenities and safety. The median home price of $290,000 means mortgage payments remain manageable for most retirees. Healthcare facilities are available locally, with major hospitals 10-15 minutes away. Des Moines International Airport is 15 minutes south. Living History Farms and the extensive trail system offer unique attractions. The crime rate is low at 15 per 1,000 residents.

23. Waukee

• Cost of Housing: B-
• Healthcare Access: A-
• Weather: B
• Cultural Activities: B
• Crime Rate: A
• Airport Proximity: A-

Waukee combines rapid growth with carefully planned community development. The median home price of $295,000 keeps home loans reasonable for most retirees. Local healthcare is readily available, with major hospitals 20 minutes away. Des Moines International Airport is 25 minutes southeast. The Raccoon River Valley Trail and Sugar Creek Municipal Golf Course offer recreation options. The crime rate is very low at 14 per 1,000 residents.

24. Waverly

• Cost of Housing: A-
• Healthcare Access: B
• Weather: B-
• Cultural Activities: B
• Crime Rate: A-
• Airport Proximity: B-

Wartburg College brings a youthful energy to this charming, safe community. The median home price of $195,000 makes mortgage affordability particularly attractive for retirees on a fixed income. Local healthcare is readily available, with larger hospitals in Waterloo just 20 minutes away. Waterloo Regional Airport is 25 minutes south, with Eastern Iowa Airport 75 minutes away. The Cedar River, Rail Trail, and college events provide abundant recreation options. The crime rate is an impressive 16 per 1,000 residents.

25. West Des Moines

• Cost of Housing: B-
• Healthcare Access: A
• Weather: B
• Cultural Activities: A-
• Crime Rate: A
• Airport Proximity: A+

West Des Moines stands out as a premier suburb combining upscale amenities with excellent accessibility. The median home price of $310,000 means home loans can be somewhat expensive, but many retirees find the amenities justify the cost. Multiple healthcare facilities provide comprehensive care. Des Moines International Airport is just 12 miles away, about a 15-minute drive. Jordan Creek Town Center provides extensive shopping, while the 632-acre Raccoon River Park offers outdoor recreation. The crime rate is very low at 16 per 1,000 residents.

Sources:

• iowa.gov
• uiowa.edu
• desmoinesregister.com
• reddit.com
• kroc.com
• roadtrippers.com
• livability.com
• onlyinyourstate.com