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10 Towns Where You Can Retire Comfortably on $40,000 a Year

June 24, 2026 · By Retirees in USA Editorial Team · RETIREES' TOP CHOICES
A retired couple strolling down a shaded historic cobblestone path in Old Salem, Winston-Salem.
A smiling senior couple walks arm in arm down a historic cobblestone street in Winston-Salem.

10. Winston-Salem, North Carolina

Rounding out our list is Winston-Salem, a city that perfectly blends historic charm with modern innovation. Known for its thriving arts district and the historic Old Salem museums, the city provides a rich cultural backdrop for your retirement years.

The cost of living in Winston-Salem sits comfortably below the national average. Because North Carolina does not tax Social Security, your baseline income goes further. The crown jewel of retiring here, however, is the healthcare.

Atrium Health Wake Forest Baptist is a premier academic medical center, meaning retirees living in this affordable town have direct access to some of the most advanced medical care and clinical trials in the nation.

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Retirees in USA Editorial Team

The Retirees in USA Editorial Team is dedicated to helping American seniors and pre-retirees navigate every stage of retirement with confidence and clarity. Our content is thoroughly researched using authoritative sources — including SSA.gov, Medicare.gov, AARP, the National Council on Aging, IRS.gov, and CDC.gov — and reviewed for accuracy, practical value, and relevance before publication. We cover healthy aging, retirement income, Medicare, Social Security, senior lifestyle, and everything in between. Our mission is simple: give real people real answers about the retirement questions that matter most. All content on Retirees in USA is editorially reviewed and verified before going live.
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