10 Best Places to Retire & Live for Under $40,000 a Year

San Marcos, one of Texas' oldest towns, is bustling with activity. For one thing, environmentalists are vehemently opposed to its natural beauty and wildlife.

1. San Marcos, Texas

Alton's economy is shifting away from manufacturing and toward tourism. It bills itself as the Wedding Capital of the Midwest, with lovely rose gardens and venues.

2. Alton, Ill.

This city's downtown is surrounded by the same-named town, home to 10,000 people. Tourist attractions and festivals entertain residents and provide seasonal jobs.

3. Canandaigua, N.Y.

The city is committed to becoming smarter and safer with high-tech investments like licence plate cameras that quickly spot stolen cars. Crime rates are well below the national average.

4. Duluth, Ga.

This small city's heartbeat is its bustling waterfront on Lake Michigan's western shore at the Sheboygan River. Locals say it gets cold but never old.

5. Sheboygan, Wis.

With its diverse neighbourhoods, world-class orchestra, thriving downtown, elite medical centres, and miles of biking and hiking trails, this Rust Belt city is making a strong comeback.

6. Cleveland, Ohio

Many discover this cosy spot while playing. River rafters, rock climbers, hikers, and anglers visit it because it crosses the Arkansas River.

7. Cañon City, Colo.

Come for the authentic cowboy culture, cheap housing, and delicious steaks. The city is all business, despite its Wild West street cred.

8. Cheyenne, Wy.

This often overlooked upstate New York town — the third largest in the state — offers a diverse, artsy lakeside setting as well as top universities and stellar health care.

9. Rochester, N.Y.

With an abundance of outdoor activity, a strong sense of community, and a friendly spirit, the city ranks high on happiness measures.

10. Sioux Falls, S.D.