UPDATED October, 2023! Looking for great places to retire on a budget? A warm seaside town? A cozy mountain hamlet? A relaxing lakeside locale? Here we have 45 U.S. towns with living costs below or equal to the national average, as determined primarily by housing costs. These towns also have safe neighborhoods, recreational areas and/or cultural amenities, nearby accredited medical facilities and more. Included are each town's population, climate, percentage of people age 45 or better, cost of living, median home price, political leanings, public transit availability and even drawbacks (because no place is perfect). Reviews are short and to the point for quick reading.