These Are the 26 Best Towns to Retire in Minnesota Taking the Costs of Buying a Home and Homeownership Into Consideration Along with Several Other Key Criteria

From the scenic North Shore of Lake Superior to the rolling bluffs of the Mississippi River Valley, Minnesota offers diverse retirement options for me as someone who embraces four-season living.

This guide explores 25 standout communities, each I’ve evaluated through the lens of critical retirement factors: Cost of Buying a Home, Healthcare Access, Weather, Cultural Activities, and Crime Rate.

My assessment uses a straightforward A+ to D grading scale, comparing each town solely against other Minnesota communities rather than national benchmarks.

This Minnesota-specific approach takes into account unique regional considerations such as winter weather adaptability, lake recreation access, and proximity to medical centers. By focusing exclusively on Minnesota metrics, I provide myself a realistic view of what each community offers within the context of life in the North Star State.

Here’s the list.

1. Alexandria

• Cost of Buying a Home: B+
• Healthcare Access: A-
• Weather: B-
• Cultural Activities: B+
• Crime Rate: A-

Nestled among lakes and forests, Alexandria offers classic Minnesota lake living. Housing costs provide good value for a popular tourist destination. Alomere Health leads a robust medical community serving the region. While winters are challenging, the lakes provide excellent summer recreation. The vibrant downtown, engaging museums, and year-round festivals celebrate local heritage. Strong community bonds help maintain impressive safety statistics.

2. Bemidji

• Cost of Buying a Home: A-
• Healthcare Access: B+
• Weather: C+
• Cultural Activities: A-
• Crime Rate: B+

Home to Paul Bunyan and Babe the Blue Ox, this northern gem combines outdoor adventure with cultural richness. Real estate remains surprisingly affordable for a regional center. Sanford Health provides comprehensive medical services. The northern location brings long winters but spectacular summer and fall seasons. Bemidji State University enhances the cultural scene with arts events and lifelong learning opportunities. The active community maintains better-than-average safety levels.

3. Brainerd

• Cost of Buying a Home: B+
• Healthcare Access: A-
• Weather: B-
• Cultural Activities: B+
• Crime Rate: B

The heart of Minnesota’s lake country beckons with year-round recreation. Housing options range from lakefront luxury to affordable in-town living. Essentia Health-St. Joseph’s Medical Center provides quality healthcare services. Four distinct seasons support diverse outdoor activities. The historic downtown and numerous festivals celebrate the region’s resort town heritage. Crime rates remain typical for a regional hub.

4. Chaska

• Cost of Buying a Home: B-
• Healthcare Access: A
• Weather: B
• Cultural Activities: B+
• Crime Rate: A

This historic Minnesota River town offers small-town charm with Twin Cities convenience. Housing costs reflect the prime location but remain reasonable for the metro area. Multiple healthcare options exist within minutes. The river valley location moderates weather extremes somewhat. The historic downtown and numerous golf courses provide year-round activities. Excellent city planning maintains exemplary safety records.

5. Detroit Lakes

• Cost of Buying a Home: B+
• Healthcare Access: B+
• Weather: C+
• Cultural Activities: B
• Crime Rate: A-

With its beautiful beach and 400 lakes within 25 miles, Detroit Lakes defines Minnesota lake life. Property values offer good value for a premier lake destination. Essentia Health St. Mary’s provides reliable medical care. While winters are long, summer activities abound on the lakes. The community hosts popular festivals including WE Fest, the country’s largest country music festival. Small-town vigilance maintains strong safety standards.

6. Duluth

• Cost of Buying a Home: B
• Healthcare Access: A+
• Weather: C+
• Cultural Activities: A
• Crime Rate: B

Lake Superior’s dramatic shoreline provides a stunning backdrop for this historic port city. Housing options include historic mansions and modern developments at reasonable prices. St. Luke’s and Essentia Health anchor superior medical services. Lake effects moderate temperatures but bring significant snow. A rich arts scene, numerous festivals, and outdoor recreation create year-round interest. Urban amenities bring typical city-level safety considerations.

7. Ely

• Cost of Buying a Home: B+
• Healthcare Access: B-
• Weather: C
• Cultural Activities: B+
• Crime Rate: A-

Gateway to the Boundary Waters, Ely embodies wilderness living at its finest. Real estate prices remain reasonable for a renowned outdoor destination. While local medical care is basic, regional hospitals provide broader services. The northern location brings long winters but unparalleled natural beauty. Art galleries, outdoor education centers, and wilderness activities create a unique cultural mix. The close-knit community maintains excellent safety standards.

8. Faribault

• Cost of Buying a Home: A-
• Healthcare Access: B+
• Weather: B
• Cultural Activities: B
• Crime Rate: B+

Historic architecture and modern amenities blend in this southern Minnesota gem. Housing costs remain surprisingly affordable for a growing community. District One Hospital provides quality local healthcare. The southern location offers slightly milder winters than northern regions. The Paradise Center for the Arts and numerous historic sites anchor cultural activities. The community maintains solid safety statistics.

9. Fergus Falls

• Cost of Buying a Home: A
• Healthcare Access: A-
• Weather: B-
• Cultural Activities: B+
• Crime Rate: A-

Lakes and prairie create a picturesque setting for this western Minnesota hub. Housing remains highly affordable with diverse options available. Lake Region Healthcare provides comprehensive medical services. Four distinct seasons support varied outdoor activities. The Center for the Arts and numerous lakes offer year-round entertainment. Strong community engagement helps maintain low crime rates.

10. Grand Marais

• Cost of Buying a Home: C-
• Healthcare Access: B-
• Weather: C+
• Cultural Activities: A-
• Crime Rate: A

This artistic harbor town on Lake Superior captures hearts with its natural beauty. Housing costs are high due to limited inventory and high demand in this desirable location. North Shore Health provides basic care with regional options available. Lake Superior moderates temperatures but brings significant snow. The vibrant arts community and outdoor recreation create year-round interest. The small population maintains exceptionally low crime rates.

11. Grand Rapids

• Cost of Buying a Home: B+
• Healthcare Access: A-
• Weather: C+
• Cultural Activities: B+
• Crime Rate: A-

Birthplace of Judy Garland, this northern forest town offers authentic Minnesota charm. Real estate provides good value with many lake options nearby. Grand Itasca Clinic and Hospital delivers comprehensive healthcare. The northern location brings long winters but stunning fall colors. The Reif Center hosts quality performances while lakes and forests provide outdoor recreation. Strong community bonds help maintain impressive safety records.

12. Hastings

• Cost of Buying a Home: B
• Healthcare Access: A-
• Weather: B
• Cultural Activities: B+
• Crime Rate: A-

This historic Mississippi River town combines small-town appeal with metro accessibility. Housing prices balance charm with convenience to the Twin Cities. Regina Hospital provides local care with major facilities nearby. The river valley location moderates temperature extremes somewhat. The restored downtown and riverfront parks offer year-round activities. Careful planning maintains strong safety standards.

13. Hibbing

• Cost of Buying a Home: A
• Healthcare Access: B+
• Weather: C
• Cultural Activities: B
• Crime Rate: B+

Bob Dylan’s hometown offers affordable Iron Range living with rich cultural heritage. Housing costs rank among the most affordable in Minnesota. Fairview Range Medical Center provides reliable healthcare services. The northern location brings challenging winters but beautiful summers. The Minnesota Discovery Center and historic attractions preserve mining heritage. While violent crime remains low, property crime rates exceed state averages.

Related: These Are 30 Minnesota Neighborhoods Where It’s Impossible to Buy a Home Because Prices Have Gone Ballistic

14. Hutchinson

• Cost of Buying a Home: A-
• Healthcare Access: A-
• Weather: B
• Cultural Activities: B+
• Crime Rate: A-

Lakes and parks create an outdoor paradise in this thriving small city. Real estate offers excellent value with diverse housing options. Hutchinson Health provides comprehensive medical care. The central location experiences typical Minnesota seasons. The arts center and extensive trail system provide year-round activities. Community engagement helps maintain impressive safety statistics.

15. Lake City

• Cost of Buying a Home: B+
• Healthcare Access: B
• Weather: B+
• Cultural Activities: B
• Crime Rate: A

Birthplace of water skiing, this Mississippi River town charms with scenic beauty. Housing prices remain reasonable for a river destination. Local medical facilities meet basic needs with Mayo Clinic nearby. The river valley location offers milder winters than many areas. Boating, sailing, and waterfront activities dominate summer recreation. The small population enjoys very low crime rates.

16. Mankato

• Cost of Buying a Home: B+
• Healthcare Access: A
• Weather: B
• Cultural Activities: A-
• Crime Rate: B+

This thriving college town offers diverse amenities along the Minnesota River. Housing costs balance affordability with growing demand. Mayo Clinic Health System provides excellent medical care. The southern location experiences slightly milder winters. Minnesota State University enhances cultural offerings and lifelong learning opportunities. The community maintains better-than-average safety levels.

Related: 10 Secluded Towns Off the Beaten Path in Minnesota’s Superior National Forest

17. Minneapolis

• Cost of Buying a Home: C+
• Healthcare Access: A+
• Weather: B
• Cultural Activities: A+
• Crime Rate: C

Minnesota’s largest city offers cosmopolitan living with Midwest charm. Housing costs run higher than state averages but vary significantly by neighborhood. Multiple world-class medical facilities provide exceptional healthcare options. The city’s infrastructure handles winter weather efficiently, though urban heat island effect impacts summer comfort. Cultural amenities abound, from the Walker Art Center to professional sports teams and a renowned restaurant scene. Urban challenges bring higher crime rates, though statistics vary considerably by neighborhood.

18. New Ulm

• Cost of Buying a Home: A-
• Healthcare Access: A-
• Weather: B
• Cultural Activities: A-
• Crime Rate: A

German heritage shapes this charming southern Minnesota community. Real estate remains affordable with historic homes available. New Ulm Medical Center provides comprehensive healthcare. The southern location offers relatively mild Minnesota weather. German festivals, historic sites, and the Minnesota Music Hall of Fame create unique cultural appeal. Strong community pride helps maintain exceptional safety records.

19. Northfield

• Cost of Buying a Home: B-
• Healthcare Access: A-
• Weather: B
• Cultural Activities: A
• Crime Rate: A-

Two prestigious colleges enrich this historic river town. Housing prices reflect the desirable location and college town atmosphere. Northfield Hospital provides excellent care with metro options nearby. The southern location experiences typical Minnesota seasons. Cultural offerings abound with college events, galleries, and historic sites. Strong town-gown relations help maintain impressive safety standards.20. Red Wing

Related: 15 Historic Mansions in Minnesota Built by the Richest Families in Minnesota History

20. Rochester

• Cost of Buying a Home: B-
• Healthcare Access: A+
• Weather: B
• Cultural Activities: A-
• Crime Rate: B-

Mayo Clinic’s hometown combines world-class healthcare with midwest values. Housing costs reflect the strong medical economy but remain reasonable. Unparalleled medical care attracts patients worldwide. The southern location offers slightly milder winters than northern regions. The growing arts scene and numerous festivals create year-round interest. Recent years have seen rising crime rates, though they remain moderate for a city its size.

21. St. Cloud

• Cost of Buying a Home: B+
• Healthcare Access: A
• Weather: B-
• Cultural Activities: A-
• Crime Rate: C+

This thriving regional center balances urban amenities with river town charm. Housing remains affordable despite the city’s growth and amenities. CentraCare’s St. Cloud Hospital provides exceptional medical services. The central location experiences typical Minnesota seasons. St. Cloud State University enhances cultural offerings while the Mississippi River provides recreational opportunities. Higher property crime rates require consideration when choosing neighborhoods.

23. St. Peter

• Cost of Buying a Home: A-
• Healthcare Access: B+
• Weather: B
• Cultural Activities: A-
• Crime Rate: A-

Historic architecture and college-town energy blend in this Minnesota River community. Real estate prices offer value with many historic options available. River’s Edge Hospital provides quality care with regional options nearby. The southern location experiences milder winters than northern regions. Gustavus Adolphus College brings cultural events and lifelong learning opportunities. Strong community bonds help maintain excellent safety records.

24. Stillwater

• Cost of Buying a Home: C-
• Healthcare Access: A
• Weather: B
• Cultural Activities: A
• Crime Rate: A-

The birthplace of Minnesota enchants with its historic riverfront charm. Housing costs are notably high due to the town’s desirable location and limited inventory. Multiple healthcare options exist within minutes in the metro area. The St. Croix River valley moderates temperature extremes somewhat. Antique shops, riverboat cruises, and year-round festivals create a vibrant cultural scene. The community maintains impressive safety standards despite tourist traffic.

25. Waseca

• Cost of Buying a Home: A
• Healthcare Access: B
• Weather: B
• Cultural Activities: B
• Crime Rate: A-

Lakes and parks surround this affordable southern Minnesota community. Housing costs remain among the most reasonable in the region. Mayo Clinic Health System provides local care with regional facilities nearby. The southern location offers relatively mild Minnesota seasons. The historic downtown and numerous parks provide year-round recreation. The small-town atmosphere helps maintain strong safety statistics.

26. Winona

• Cost of Buying a Home: B+
• Healthcare Access: A-
• Weather: B+
• Cultural Activities: A-
• Crime Rate: B+

Dramatic bluffs and riverfront vistas define this historic Mississippi River city. Housing offers good value with historic and modern options available. Winona Health and nearby Mayo Clinic facilities provide excellent care. The river valley location moderates weather extremes somewhat. Three colleges enhance cultural life while outdoor recreation abounds year-round. The community maintains better-than-average safety despite the college population.

Sources:

• Livingcost.com
• Safehome.org
• Reddit.com
• Minnesotareformer.com
• MN.gov
• House.mn.gov
• USA.com
• Rentcafe.com
• Neighborhoodscout.com
• Bestplaces.net
• en.wikipedia.org
• sph.umn.edu
• ucr.fbi.gov
• Niche.com