By NewsBreak Staff
Looking to stretch your retirement dollars without sacrificing quality of life? South Dakota might be just what you’re looking for.
With no state income tax, low property taxes, and affordable housing, the Mount Rushmore State is quickly becoming a favorite destination for retirees who want more peace and less financial stress.
From charming college towns to scenic hideaways in the Black Hills, here are five of the most affordable and livable towns in South Dakota to enjoy your golden years.
Brookings – Small-Town Charm with Big Perks
Home to South Dakota State University, Brookings offers a perfect mix of quiet living and community energy. It’s one of the safest towns in the state and features:
- 🌳 McCrory Gardens – a beautiful 70-acre botanical garden and arboretum
- 🏥 A strong healthcare network through Brookings Health System
- 🎨 Access to arts, events, and continuing education
Median home price: ~$250,000
Bonus: Affordable groceries, fuel, and excellent healthcare access.
Brookings consistently ranks among the top college towns for retirees — it’s peaceful, affordable, and offers a well-connected community.
Madison – Affordable, Friendly, and Full of Heart
Located in Lake County, Madison is ideal for retirees looking for a tight-knit community and peaceful pace of life.
- 🏫 Home to Dakota State University, providing access to lectures, events, and campus culture
- 👴👵 Strong senior community with social activities and support
- 🏥 Madison Regional Health System delivers essential medical services
Median home price: ~$290,000
Cost of living: Well below the national average
Madison is one of those rare gems where affordability meets community warmth — a great place to retire and feel truly at home.
Aberdeen – Big Amenities, Small-Town Feel
Just 30 miles south of the North Dakota border, Aberdeen offers retirees city-like services in a relaxed setting.
- 🏥 Quality care from Sanford Aberdeen and Avera St. Luke’s Hospital
- 🛡️ Strong public safety reputation and well-funded local services
- 🏠 A variety of senior housing options, from independent living to full-time care
Median home price: Low to mid $200,000s
Perks: Low living expenses and rich community programming
If you want access to everything you need without city headaches, Aberdeen is a smart, secure option.
Huron – Community Vibes and Budget-Friendly Living
Huron might be best known for hosting the annual South Dakota State Fair, but it’s also a retiree’s dream for affordability and community life.
- 💰 Monthly costs are nearly 20% lower than the U.S. average
- 🏥 Huron Regional Medical Center provides full senior care options
- 🏡 Assisted living facilities like The Wellshire Huron and Peaceful Pines
Median home price: ~$240,000
Highlight: Friendly neighbors, plenty of parks, and a relaxed, small-town feel
If you’re looking for a stress-free, community-focused retirement, Huron belongs on your shortlist.
Hill City – Retire in the Beauty of the Black Hills
Looking for breathtaking scenery? Hill City places you right in the heart of South Dakota’s most iconic landscapes.
- 🏞️ Close to Mount Rushmore, Crazy Horse Memorial, and hiking trails
- 🏡 Retirement communities like Holiday Hills Estates and Peaceful Pines
- 🚓 Low crime rates and a strong sense of neighborly support
Median home price: ~$488,000
Living costs: 10–15% below national average
It’s more expensive than other towns on this list, but if natural beauty, quiet charm, and access to adventure are priorities, Hill City delivers.
Why Retire in South Dakota?
South Dakota may not be the first state that comes to mind for retirement, but it offers:
- Low taxes and affordable living
- Scenic landscapes and outdoor recreation
- Strong community support and healthcare access
Whether you’re drawn to lakeside living, college-town charm, or mountain serenity, these towns provide comfortable, cost-effective options for every kind of retiree.
Ready to make the move?
Let us know in the comments which town you’d choose for your next chapter — or if you’re already living the good life in South Dakota!
