Shops and stores on W Water Street n Decorah, Iowa. Editorial credit: Steve Heap / Shutterstock.com

6 Towns Perfect for Retirement in Iowa

With so many states to pick from in today's market, choosing one to call home for in retirement years can be taxing. While there are many great states to pick from, Iowa is a little-known gem that allows retirees to appreciate the small joys of life. Known for its friendly atmosphere, low cost of living, and stunning natural landscapes, Iowa offers an ideal blend of tranquility and community. These six small towns in Iowa are perfect for anyone searching for affordable and inviting communities to settle down in, each with its own unique charm and appeal.

Humboldt

Humboldt, Iowa. In Wikipedia. https://en.wikipedia.org/wiki/Humboldt,_Iowa By Billwhittaker at English Wikipedia, CC BY-SA 3.0, https://commons.wikimedia.org/w/index.php?curid=40368662
Humboldt, Iowa. In Wikipedia. By Billwhittaker at English Wikipedia, CC BY-SA 3.0, Wikipedia

Humboldt's serene atmosphere makes it easy to see why so many decide to make it their home. With median listings averaging around $495,000, Humboldt has an affordable housing market, which makes it an attractive choice for retirees aiming to maximize their savings.

This town regards healthcare highly, and this is demonstrated by the Humboldt County Memorial Hospital. Retirees and families are lucky to know that their loved ones will receive exceptional healthcare in the community.

Even though Humboldt is a small town, there are plenty of beautiful parks in which to enjoy the outdoors. A notable park with a concrete boat ramp, grills, picnic tables, horseshoe pits, a boat dock, and electrical supply for the shelter is Lake Nokomis Park, which is adjacent to the West Des Moines River Dam Site. It also displays a picturesque view of the Des Moines River.

The Humota Theater is a popular landmark for retirees seeking laid-back entertainment in the area. This theater has been a key attraction for the past nine decades on Humboldt's main street. It is open 365 days a year and provides a range of live events and movies.

Garden lovers will appreciate the large greenhouse and range of nurseries at the Gilmore City Garden Center. The garden center has all retirees need to keep their house and garden colorful all year long, including live Christmas trees, wreaths, and seasonal décor.

Pella

Windmill at Dutch village Pella in Iowa, USA.
Windmill at Dutch village Pella in Iowa, US.

Just an hour from Des Moines, Pella has a median house price of just $393,200. This town is the perfect blend of affordable living, outstanding healthcare, and a treasure trove of attractions.

This community is home to Pella Regional Health Center, an award-winning organization focused on compassionate healthcare services. This top-tier medical facility is dedicated to providing excellent, compassionate care to every patient.

One of Pella's crown jewels is Brinkhoff Park. This picture-perfect park serves as a welcome park on the west edge of Pella on Washington Street. Many flower beds, a small windmill, and picnic tables greet those entering Pella from the west.

Retirees should definitely go to the Frisian Farms Cheese House to take a self-guided tour and look through large viewing windows into the Make, Brine, and Aging Rooms. The farm crafts traditional Dutch Gouda in their Cheese House. With its many amenities, including boating, hiking, camping, biking, fishing, birdwatching, and more across the area's parks and trails, Red Rock Lake is only a short drive from the town. Being Iowa’s largest lake, this attraction is a wonderful location for a relaxed day in the sun. Retirees can bring their loved ones for a picnic with family.

Boone

Two train bridges in Boone, Iowa.
Two train bridges in Boone, Iowa.

Boone has a variety of things to do, coupled with reasonable living costs. With a median house price of just $197,000, this Iowa town is unbeatable in terms of saving money for retirement with enticing amenities.

Boone County Hospital has been serving the healthcare needs of Boone County and the surrounding area since the early 1900s. This facility assures medical care for all residents in need.

This town has various outdoor places, such as the Seven Oaks Recreation. Coined "Your Destination for Outdoor Recreation," Seven Oaks offers active excursions year-round for retirees looking for a thrill. Conveniently located along Highway 30, McHose Park is an ideal spot for a day out in the sun. Since it has many ample picnic areas, it's a location fit for family gatherings or a peaceful afternoon surrounded by nature.

Retirees shouldn't miss out on The Paradox, a vintage shop. The store has an enticing mix of antiques, jewelry, fun gifts, stickers, pins, and sunglasses at a low price.

Decorah

Main building of the Vesterheim Norwegian American Museum on the town main street in Decorah, Iowa. Editorial credit: Steve Heap / Shutterstock.com
Main building of the Vesterheim Norwegian American Museum on the town main street in Decorah, Iowa. Editorial credit: Steve Heap / Shutterstock.com

In northeast Iowa's Driftless Area, Decorah boasts striking landmarks featuring rolling hills, limestone bluffs, and scenic river valleys. This town offers not only affordability, with a median house price of $290,900, but also a rich array of historical, artistic, and natural attractions, making it an appealing retirement destination. The Family Medicine & Specialty Clinic ensures access to essential healthcare services for Decorah residents. The Porter House Museum, once the home of Adelbert Field Porter and Grace Young Porter, provides a fascinating glimpse into the past. Retirees can admire unique "nature art" created from extensive butterfly and rock collections, displayed against elegant Victorian decor. Palisades Park attracts visitors seeking peace in nature, with its winding trails, scenic overlooks, and picnic areas designed for tranquil outdoor enjoyment. Agora Arts presents a curated collection of contemporary art and crafts by over 250 North American artists, including sculpture, ceramics, and jewelry from renowned designers like Saundra Messinger and Holly Yashi, offering retirees a diverse artistic experience.

Carroll

Aerial View of Carroll, Iowa, during Summer.
Aerial View of Carroll, Iowa, during Summer.

Carroll is home to various popular attractions, offering a complete itinerary and affordable housing options. The town's median house price of $226,800 attracts retirees and those seeking a high-quality lifestyle without high costs. Becoming a resident provides easy access to St. Anthony Regional Hospital, known for its top-notch healthcare services dedicated to community well-being. Swan Lake Park, spanning 510 acres, offers a natural retreat and is the starting point for the Sauk Rail Trail, suitable for hiking, biking, and picnicking. The Carrollton Recreation Center features a heated indoor pool with a sloped entry, ideal for year-round swimming, especially for retirees. It also offers outdoor and indoor pools, baseball diamonds, and courts for basketball, volleyball, racquetball, and tennis. For some friendly competition, retirees can visit Carroll Bowl, a popular venue spacious enough for group activities and perfect for creating lasting memories with lighthearted fun.

Winterset

View of downtown Winterset, Iowa from the courthouse square. Editorial credit: dustin77a / Shutterstock.com
View of downtown Winterset, Iowa, from the courthouse square. Editorial credit: dustin77a / Shutterstock.com

Found in South-Central Iowa, this inviting town has a median housing cost of just $274,000; Winterset offers an affordable and welcoming community perfect for the golden years of retirement.

Not to mention, the top-notch Madison County Hospital ensures that any urgent medical care is readily available.

What truly sets Winterset apart is its variety of events and activities. Residents have the opportunity to tour the modest 4-room home where John Wayne was born. The John Wayne Birthplace Museum features the largest diversified exhibit of the artist's memorable artifacts, including original movie posters, film wardrobe, scripts, letters, and artwork.

To cool off, visit the Winterset Winery, where retirees can enjoy a diverse selection of ciders and wines in a cozy, cabin-style environment. Everyone is welcome to explore the beautifully constructed Madison County Chamber of Commerce & Welcome Center, which offers guided tours of the covered bridges and other historic landmarks in the area.

Choosing a town for retirement is a major decision that requires careful thought. Iowa offers an excellent mix of affordability, quality healthcare, picturesque scenery, and vibrant community life, making it a prime retirement destination. These six small towns provide options that cater to different needs and preferences, allowing retirees to enjoy a comfortable and meaningful life. When considering the best states for retirement, Iowa deserves serious consideration.

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