Fair Haven, N.Y.
Home Value Index: $120,300
Fair Haven is a charming beach town you can visit on a budget, and it’s also an affordable place to retire. This quiet community is located along the shores of Lake Ontario, and it’s an idyllic place for boating, fishing and shopping. Not only does Fair Haven have affordable housing, but it’s also the place with the fifth-highest percentage of retirees compared to the other areas on this list: 20 percent of the population is 65 and older. It also has the third-most affordable healthcare, with annual costs averaging $6,355.