California might be an expensive state, but it boasts incredible natural scenery, creative opportunities and exposure, and a beautiful climate. Many hidden and affordable gems throughout the state are ideal for retirement. If you have the budget and a love for West Coast living, look no further than California. Once you figured out how much you should have in your 401(k), you can finally settle down in your dream location. 

Thinking about moving to The Golden State for your retirement? Here are the best spots to retire in California.

1. San Diego

• Population (as of 2021): 1.382 million
• Perks: gorgeous beaches, ideal weather, beautiful natural scenery, access to tons of attractions

San Diego is a popular city along the Pacific Coast of southern California that offers incredible beaches, warm weather, and a vacation lifestyle to retirees. With an abundance of gorgeous palm trees and parks, nature lovers will feel right at home in this bustling city. Not only that, but there are a variety of attractions in San Diego, such as the San Diego Zoo and Balboa Park. 

However, keep in mind that you likely won’t find many affordable housing opportunities in the city, which has landed it on the list of places to avoid if you’re seeking an inexpensive retirement location. Nevertheless, if you have the funds, you will certainly enjoy the idyllic climate and wide range of activities. 

2. Los Angeles County

• Population (as of 2021): 9.83 million
• Perks: Mediterranean climate, access to plenty of opportunities, diverse culture, creative lifestyle

When you hear “Los Angeles,” you might think of a young, vibrant crowd of aspiring influencers or struggling artists pursuing their big-city dreams. However, Los Angeles County has much more to offer than the city alone. While much of Los Angeles’s demographic includes younger generations, the county itself is also filled with retirees who enjoy the finer things in life. Los Angeles offers residents a Mediterranean climate with an abundance of sunshine and mild temperatures year-round.

Like much of California, Los Angeles is an expensive area to live in. However, as mentioned above, if you have a high retirement fund or are interested in pursuing a creative hustle post-retirement, you might find bliss in this populous county.   

3. Lakeport

• Population (as of 2021): 5,135
• Perks: beautiful views, fresh air, ideal weather, access to tons of attractions, peaceful living

Lakeport is an incorporated city in Lake County, California. With an elevation of 1,355 feet above sea level, Lakeport offers gorgeous rolling hills, vineyards, and clean fresh air. The city also has mild temperatures year-round, remaining in the 50s throughout the winter months. Additionally, in the summer, temperatures typically rise into the 90s.

If you’re seeking a peaceful, sweet escape as your retirement, settle in the slice of heaven called Lakeport. Not only will you experience astonishing natural beauty, but you’ll also have plenty of attractions to visit, including the Historic Courthouse Museum and the Edenberry Farm.

4. Santa Clarita

• Population (as of 2021): 224,593
• Perks: beautiful climate, family-friendly area, gorgeous natural scenery, abundance of historic attractions

The family-friendly suburb of Santa Clarita experiences ideal weather year-round, with mild winters and warm summers. Furthermore, it boasts gorgeous natural scenery and plenty of opportunities for outdoor recreation. 

This wonderful California location is also home to Six Flags Magic Mountain theme park and Six Flags Hurricane Harbor — perfect for when the grandkids visit. As for nature lovers, there is also an abundance of parks, including Vasquez Rocks Natural Area Park and Placerita Canyon Nature Center. History buffs will also enjoy the William S. Hart Museum & Ranch and many other historic attractions in the region.

5. Palm Springs

• Population (as of 2021): 45,019
• Perks: access to countless attractions, luxurious lifestyle

Located in southern California, Palm Springs city features luxurious attractions, from hot springs and high-end accommodations to an abundance of golf courses and spas. Residents also love the location’s array of shopping and dining opportunities. 

That being said, Palm Springs is extremely hot and dry. For many retirees, it could be a hassle and even dangerous for much of the community. If you’re someone who does not tolerate heat well or enjoys being outdoors during the summer months, you’ll want to consider the potential risks of living in Palm Springs. On the other hand, if you enjoy the dry heat and can find ways to stay cool and enjoy safe activities in the region, Palm Springs certainly has a lot to offer you.

6. Bakersfield

• Population (as of 2021): 407,615
• Perks: abundance of recreational activities, access to local produce, rich music scene, welcoming community

This inland city is about two hours north of Los Angeles and boasts a warm climate year-round, with mild winters and dry summers. There are countless outdoor activities to enjoy, from kayaking and fishing to hiking and walking through the area’s beautiful trails. Furthermore, if you love fresh fruits and vegetables, you can find tons of local produce throughout the region, thanks to its abundance of farmlands. 

Bakersfield is also a great place to retire for musicians. The city actually has its own sub-genre of county music called Bakersfield Sound, which merges influences from both the rock-and-roll scene and the traditional country scene. Furthermore, this California city boasts many welcoming retirement communities and friendly residents.

7. Fresno

• Population (as of 2021): 544,510
• Perks: access to national parks, affordable, vibrant nightlife, family-friendly neighborhoods

Located in close proximity to some of the state’s most major national parks (e.g. Yosemite, Kings Canyon, and Sequoia), Fresno is a charming city that has much to offer its residents. Not only that, but it’s also a more affordable option when compared to other California “big cities.” 

However, that being said, it’s important to choose a location that best suits your needs as a retiree. For example, if you’re searching for vibrant nightlife, you can certainly find a spot downtown that keeps you on your toes. If you’re searching for more peace and stability, however, you’ll want to stick to the safe, family-friendly neighborhoods. 

8. Modesto

• Population (as of 2021): 218,771
• Perks: island city, fresh local produce, charming downtown, tons of attractions, affordable, rich culture

Similar to Bakersfield, Modesto is another inland city that’s surrounded by sprawling farmland, meaning residents have access to a variety of crops and produce. Specifically, Modesto is known for its almonds, walnuts, and dairy products. Not only that, but it also has a beautiful and bustling downtown with incredible cuisine and attractions. There are plenty of arts centers, museums, and theaters available.

This city’s cost of living is also more affordable than California’s cost of living as a whole, making it an attractive retirement option for many individuals. 

9. Oxnard

• Population (as of 2021): 201,879
• Perks: abundance of parks, miles of gorgeous shorelines

This beautiful city features miles of beaches with stunning natural backdrops like mountains, palm trees, and rocky shorelines. This sweet escape is the perfect place to retire, especially for beach and nature lovers. Specifically, Oxnard State Beach Park is a go-to for many visitors and residents alike, offering a public beach, grassy lawn, playground, and picnic area. 

10. Carlsbad

• Population (as of 2021): 115,302
• Perks: small-town feel, abundance of outdoor activities

The coastal city of Carlsbad offers beautiful beaches and a small-town feel to its residents. There are plenty of outdoor activities to embark on each day, from hiking and walking through the charming downtown to lounging on the beach and playing water sports.

A major bonus of Carlsbad is The Flower Fields, which boast 55 acres of vibrant tecolote ranunculus flowers. In fact, many tourists will travel to Carlsbad specifically for this attraction. Imagine having that blessing in your backyard.

That being said, due to its many perks, this city is on the pricy side with a high cost of living. 

11. Carmel-by-the-Sea

• Population (as of 2021): 3,196
• Perks: tons of attractions, coastal living, quaint and charming

This cute beach city sits on the state’s Monterey Peninsula and offers an array of attractions and activities, from museums and galleries to scuba diving and whale watching. If you’re looking for a quaint location that offers coastal living with tons of restaurants and spacious homes, Caramel-by-the-Sea is worth checking out. Keep in mind, however, that affording the retirement lifestyle this town has to offer is not easy. If you’re looking for a more reasonably-priced city to retire in, you might want to consider another option on this list.

12. South Lake Tahoe

• Population (as of 2021): 21,414
• Perks: abundance of recreational activities, beautiful natural views, peaceful lifestyle

Located in the Sierra Nevada Mountains, South Lake Tahoe is a picturesque place to retire — especially for nature lovers. The freshwater Lake Tahoe is nestled along the California and Nevada state border, and it offers retirees the opportunity to embrace peace and relaxation after decades of hard work. Not only that, but there are countless recreational activities available to residents year-round. 

13. Santa Barbara

• Population (as of 2021): 88,255
• Perks: beautiful natural scenery, access to coastlines, charming downtown

The central coastal city of Santa Barbara is the perfect place to settle down, as it offers residents a diverse downtown with Mediterranean architecture, fine dining establishments, and more. There is also an abundance of museums, parks, and zoos, as well as the stunning Santa Ynez Mountains.

Santa Barbara is also home to Stearns Wharf, a charming historical landmark that attracts many visitors — and for good reason. This location arguably offers some of the most beautiful scenery in the state. 

14. Paso Robles

• Population (as of 2021): 31,759
• Perks: stunning views, charming downtown, diverse community

If your ideal retirement involves sipping wine while enjoying breathtaking California views, you’ll want to consider Paso Robles as an option for your retirement location. This beautiful city offers various wineries and wine-tasting rooms. Not only that, but it also has a charming downtown with various shops, galleries, restaurants, cafes, and breweries. 

As a retiree in Paso Robles, you can enjoy this small city’s rich history and diverse community. Furthermore, you can visit the local farmer’s market each week for fresh produce and some socializing. And while Paso Robles might not be a beach town, it’s only about 30 minutes from the coast, so you can still get your seaside fix. 

15. Torrance

• Population (as of 2021): 143,600
• Perks: gorgeous coastlines, diverse community, beautiful weather

Located in Los Angeles County, this gorgeous gem offers residents access to the beautiful southern California coastlines as well as a strong economy. Furthermore, Torrance’s diverse community is known to be warm and welcoming, and most Torrance residents own their own homes.

Thank you for reading! Have some feedback for us?
Contact the 24/7 Wall St. editorial team.