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6 Most Affordable Cities to Retire in Nevada

Nevada, also known as the Silver State, promises plenty of sun and an endless supply of entertainment. Yes, there are plenty of big cities with many perks, but just as nice are the small towns scattered across the state with a smaller price tag. Nevada also welcomes retirees with open arms. It is a tax-friendly state because it has no state income tax. Additionally, countless retirement communities offer endless amenities to their residents. If you’re nearing retirement and looking for a new place to call home, consider these six most affordable cities to retire in Nevada.

Mesquite

Picturesque Mesquite, Nevada, nestled in a valley between plateaus and mountains.
Picturesque Mesquite, Nevada, nestled in a valley between plateaus and mountains.

Mesquite is a small town in Clark County, Nevada. The 2024 population is 23,364, of which 17,738 are adults and 9,245 are seniors. Many retirees (especially those who enjoy golf) flock to the area. Although the average cost of a home is higher than the national average, most residents own their homes.

The Mesquite Government operates a successful senior center that offers retirees hot lunches, fun events and health and fitness activities. There are at least six golf courses in the city (Oasis, Conestoga and Wolf Creek Golf Clubs), three casinos (Eureka Casino Resort, Virgin River Hotel and Casino) and several restaurants.

Fernley

Main Street in Fernley, Nevada.  Image credits: Famartin via Wikimedia Commons
Main Street in Fernley, Nevada. Image credits: Famartin via Wikimedia Commons

Located in Lyon County, Fernley is a safe city. Like Mesquite, the average home value in Fernley is higher than the national average, but luckily Nevada has no income tax. Most residents own their homes, but if you choose to rent, the average cost is $1,351.

Additionally, Fernley has an above-average livability score, taking into account crime rates, cost of living and the happiness of residents. The city has 10 parks with tennis courts and a rodeo, and is close to Pyramid Lake, Lake Tahoe, Walker Lake and Lahontan Reservoir, all of which are breathtaking.

Winnemucca

Winnemucca, Nevada: Retro neon sign for The Griddle restaurant downtown.  Image credit melissamn via Shutterstock.com
Winnemucca, Nevada: Retro neon sign for The Griddle restaurant downtown. Image credits melissamn via Shutterstock.

The city has 8,372 inhabitants, of which approximately 11% are over 65 years old. It is located in Humboldt County and has a suburban feel. The average cost of a home is on par with the national average, but the rent is lower: $899. It is a relatively safe city that has been ranked by Niche as one of the best places to live in Nevada.

City residents have plenty to see and do, including visiting the Humboldt Museum, Thousand Creek Gorge, Winnemucca Sand Dunes, and the Royal Peacock Black Fire Opal Mine. The town is filled with cafes and eateries, including the Bella Grazia wine bar.

Ely

Route 50 and Main St. in Ely, Nevada.  Image credits Sandra Foyt via Shutterstock.
Route 50 and Main St. in Ely, Nevada. Image credits Sandra Foyt via Shutterstock.

17% of Ely residents are retired. Located in White Pine County, this small town is home to 3,957 residents. The average cost of a home in Ely is $185,900, which is lower than the national average. Rent is also lower than the national average of $982. 63% of residents own their own home.

Ely is a safe place to live, has several parks (Ely City Park, Blanche Park and Broadbent Park) and bars (Racks Bar and Grill and the Outpost Bar) and the cost of living is 27.7% lower than the national average . Great Basin Medical Center is easily accessible to all residents and offers both emergency and specialty services.

Love lock

Main Street in Lovelock Nevada, by Famartin - Own work, CC BY-SA 4.0, Lovelock, Nevada.jpg - Wikimedia Commons
Main Street in Lovelock Nevada.

Lovelock has a population of 1,675 and a median home value of $160,400 (lower than the national average). Rents are quite low, averaging $696. That is why 51% of residents choose to rent. Lovelock is fairly safe and the cost of living is 26.3% lower than the state average.

For recreation, retirees can visit the Marzen House Museum to learn about the town’s history, drive to Lake Lahontan, and explore the Lovelock Cave & Backcountry Byway. The cave is a 20-minute drive away and is especially important as thousands of indigenous artefacts have been discovered there.

Pahrump

Classic Nevada saloon and casino building in Pahrump, with a wooden exterior and vintage signs, against a bright blue sky.  Editorial credits: 4kclips / Shutterstock.com
Classic Nevada Salon and Casino Building in Pahrump. Image credits: 4kclips via Shutterstock.

Located in Nye County, Pahrump is a small town with a population of 44,711. About 25% of the population consists of seniors. The median home value is $251,100, which is slightly lower than the national average. The city is known for its low crime rates and accessible healthcare.

Nevada Urgent Care and Desert View Hospital provide general and emergency services. The cost of living in Pahrump is 6.5% lower than the national average and 14.8% lower than the state average. The city hosts several annual events, such as the Autumn Festival in September. Discovery Park is a great place for walking, cycling or birdwatching (with 176 species).

Whether you are retired or soon to retire and looking for a new place to live, Nevada is one of the best places to consider. From birdwatching at Pahrump’s Discovery Park to golfing at Mesquite’s Wolf Creek Golf Club, the towns mentioned above are naturally beautiful, have lower taxes and a high cost of living, and, above all, are hospitable. So if you’re looking for a place to settle down, be sure to consider these six most affordable cities to retire in Nevada.