The Best Small Town in America for Retirement: A Cozy Midwestern Suburb with Small-Town Charm

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The Best Small Town in America for Retirement: A Cozy Midwestern Suburb with Small-Town Charm

There’s a constant give and take when looking for a place to call home. Many folks want the comfort and convenience of a city, where being able to walk your errands and pop over to see your friends is priceless. But most people also like to rest their heads in a place far from the hustle and bustle of crowded, busy streets. Maplewood, Missouri, is an inner-ring suburb of St. Louis that’s etching out a sweet spot in the middle, bringing small-village energy to an uptown area.



Maplewood is a small town with its own government system and 8,000 permanent residents, just 8 miles west of downtown St. Louis and less than half an hour’s drive from St. Louis Lambert Airport. GoBankingRates recently named Maplewood the best American small town to retire in after looking at all towns in the country with between 1,000 and 10,000 residents. The personal finance company ranked Maplewood first because it had the lowest monthly cost of living, and it tied for the third-highest livability of all studied areas.

You don’t have to be a golden-ager to consider a move to Maplewood, either. With an average resident age of just under 38 years, this town has proven capable of helping folks in all stages of their lives have their cake and eat it too. Retiring here means being able to walk to the grocery store and relax in a lovely home with a front yard. Its residents have figured out that Maplewood’s combination of affordable rents, metro access, and iconic brewpubs is a great recipe for certain lifestyles, and word is starting to spread.



Maplewood is hot, hot, hot

Maplewood’s cheap living and a strong community support system led the town to top the GoBankingRates rankings. The analysis looked at towns quantifiably, focusing on rent numbers, median incomes, cost of living, safety, and livability while giving extra weight to expenditure and rent costs. Maplewood’s low monthly cost of living at $2,810 and its livability score, plus a combination of rankings of schools, commutes, jobs, and more, sealed the deal. Senior-friendly services run by Maplewood and surrounding St. Louis suburbs, like the free rides to the grocery store through the PARC Van Service, just make life here easier.

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Renters and eager homebuyers alike will be delighted to hear that living in this town equals extra cash in your pocket. Compared to the national averages, Zillow data shows Maplewood’s rent is nearly $800 less per month and the home prices are around $100,000 cheaper than the national average.



No matter what’s going on in your bank account, living in Maplewood means you’re protected by a city and state that take elder care seriously. Missouri is home to 10 Area Agencies on Aging that will serve home-cooked meals and help navigate health insurance. The state government also has an Aging Master Plan that makes it easier for retirees to live where they choose, access reliable transportation, and enjoy a “healthy life with maximum independence.”

Live in a quiet town, enjoy the big city

Dave Pennells

By Dave Pennells

Dave Pennells, MS, has contributed his expertise as a career consultant and training specialist across various fields for over 15 years. At City University of Seattle, he offers personal career counseling and conducts workshops focused on practical job search techniques, resume creation, and interview skills. With a Master of Science in Counseling, Pennells specializes in career consulting, conducting career assessments, guiding career transitions, and providing outplacement services. Her professional experience spans multiple sectors, including banking, retail, airlines, non-profit organizations, and the aerospace industry. Additionally, since 2001, he has been actively involved with the Career Development Association of Australia.