Best Places to Retire in Central California

If you’re looking for the best places to retire in Central California, you’ve come to the right place. In this blog post, we will discuss some of the best places to retire in the region. Whether you’re looking for a quiet town with plenty of outdoor activities, or a city with all of the amenities, we have you covered. So, without further ado, let’s get started!

California is truly a Golden State, and there are many reasons why people from all over the country desire to live here. One of the biggest draws is the state’s big cities, which are known for their culture, nightlife, and diverse populations.

Key Takeaways

• Central California is a great place to retire if you’re looking for a great place to live. It’s easy to see why this region is so popular, with plenty of sunshine and warm weather, beautiful scenery, and plenty of things to do.
• There are advantages and disadvantages to retiring in Central California, such as the weather, food, traffic, housing costs, and so on.
• If you want to live in a small town, the Central Valley region of California is a great place to retire. The Central Valley, with its mild climate and affordable housing, is an appealing option for retirees seeking to escape the hustle and bustle of city life.

1. Santa Barbara

Adorned with its stunning Mission-style building and lulled by the waves of the majestic Pacific Ocean, Santa Barbara is rightfully one of the most beautiful cities in Southern California. It is found in a prime position, which enables it to have a great climate all year round.

Santa Barbara is one of the most desirable places to live in the United States. The median home price in Santa Barbara, CA was $2.2M in June 2022, trending up 18.8% year-over-year.

In addition to that, it has a very vibrant and diverse community with so many amenities to offer. If you like warm winters and cool summers, this is the place to be! Whether you’re enjoying a meal at one of the city’s many upscale restaurants or strolling through the sprawling botanical gardens, it’s easy to see why Santa Barbara is such a popular destination. With its gorgeous setting and an endless list of things to do, it’s no wonder this city is one of the most beloved spots in California.

2. Modesto

If you’re looking for a place to call home that is both affordable and friendly, Modesto, California may be the perfect fit for you. Located in the Central Valley, Modesto is a short commute to the Bay Area, making it a popular choice for those who work in the city but don’t want to pay city prices.

The community is close-knit and welcoming, and there’s always something going on thanks to the busy civic calendar. One of the highlights of the year is the American Graffiti Festival, which celebrates the classic film that was shot largely in Modesto. The festival features a parade and car show, and you’re sure to see some amazing antique vehicles driving around town during the event. Whether you’re looking for a place to settle down or just searching for a fun weekend getaway, Modesto is worth a visit.

3. San Luis Obispo

Local residents often refer to the city as “SLO” or “San Luis,” due to its status as the Central Coast’s business, entertainment, and cultural hub. The best-preserved example of 18th-century Spanish architecture in the form of Mission San Luis Obispo de Tolosa – one of California’s ancient missions – serves as the city’s focal point. For many years, SLO has been considered one of the greatest places to take a break from driving for “one-tank travels” between San Francisco and Los Angeles.

Although the population is approximately 47,402 (2020), according to the census, this two-college town feels considerably more substantial.

In 2011, National Geographic honored San Luis Obispo as the happiest city in America. Soon after, a feature on Oprah Winfrey’s show drew attention to all that SLO has to offer visitors and residents alike.

From its rich history dating back centuries to its commitment to being a green and sustainable city, there is much to love about SLO. Those who are lucky enough to call it home know that it truly is a special place.

4. Merced

As anyone who has ever retired will tell you, finding the right place to spend your golden years is no easy task. You want a location that is affordable, accessible and offers a wide range of amenities.

Fortunately, the city of Merced, California fits all of these criteria – and more. Nestled in the heart of Central California, Merced offers retirees a taste of small-town living without sacrificing the convenience of urban amenities. The cost of living is reasonable, and there are plenty of opportunities for social interaction and recreation.

In addition, the city is within driving distance of both the Sierra Nevada mountains and the Pacific Coast, making it the perfect base for exploring all that California has to offer. Whether you’re looking for an active lifestyle or a relaxed pace of life, Merced is sure to have what you’re looking for.

5. Monterey

Central California offers retirees a wide variety of options when it comes to finding the perfect place to enjoy their golden years. While some may prefer the bustling metropolis of Los Angeles or the laid-back atmosphere of San Diego county, others will find that the quiet town of Monterey is the perfect place to settle down. Nestled between the Pacific Ocean and the Santa Lucia Mountains, Monterey offers retirees a truly unique experience.

With its mild climate, an array of outdoor activities, and rich history, it’s no wonder Monterey is often considered one of the best places to retire in Central California. Retirees can enjoy kayaking or fishing in world-famous Monterey Bay, hiking through Big Sur’s towering redwoods, or exploring the city’s many museums and art galleries. There’s truly something for everyone in Monterey, making it an ideal place to enjoy a retirement lifestyle.

6. Bakersfield

Bakersfield, California is often overlooked as a desirable retirement destination. However, those who take the time to explore all that Bakersfield has to offer will find that it is an ideal place to retire. Central California is known for its mild climate, and Bakersfield is no exception.

The city enjoys more than 272 days of sunshine each year, making it a perfect place to enjoy retirement activities such as golf, hiking, and fishing. In addition, Bakersfield is home to a vibrant arts community, with museums, galleries, and live theater venues.

And for those who are looking for an active social scene, there are plenty of opportunities to get involved in the community through volunteer organizations and civic groups.

7. Salinas

They say that home is where the heart is, and for many seniors, that means finding a place to retire that feels like home. Salinas, California is one of the best places to retire in Central California. With its moderate climate, ample amenities, and friendly locals, Salinas has everything you need to enjoy your golden years. 

With its mild Mediterranean climate, beautiful coastline, and ample amenities, it’s no wonder that Salinas is one of the best places to retire in Central California. Located just a short drive from both San Francisco and Los Angeles county, Salinas offers residents the best of both worlds: the opportunity to enjoy the bustling city life when they want, and the chance to relax in a quiet, small-town setting when they need a break. In addition, Salinas boasts several top-rated golf courses, making it a paradise for retirees who love to hit the links.

8. Santa Cruz

Santa Cruz is a lively and picturesque city located on the central coast of California. it offers a small-town feel with all the amenities of a larger city. Santa Cruz is home to several parks and beaches, as well as the Santa Cruz Boardwalk, one of the oldest amusement parks in California. The city also has a thriving arts and culture scene, with numerous museums and galleries. And for those looking for an active retirement, Santa Cruz offers plenty of opportunities for hiking, biking, and surfing. In addition, the cost of living in Santa Cruz is relatively affordable, making it one of the best places to retire in Central California.

9. Sacramento

As the sixth largest city in Central California, Sacramento has a lot to offer retirees. The city is home to several cultural attractions, including the California State Railroad Museum, the Crocker Art Museum, and the Old Sacramento State Historic Park. In addition, Sacramento is within easy driving distance of several outdoor recreation areas, such as Lake Tahoe, Yosemite National Park, and the Napa Valley.

Additionally, the Sacramento River can be seen here. It is the largest river in California, stretching over 750 miles from its headwaters in the Sierra Nevada Mountains to its mouth at the San Francisco Bay. The river is a popular destination for retirees, who come to fish, kayak, and enjoy the fresh air.

The city also boasts a strong economy and a low cost of living, which makes it an attractive option for retirees on a fixed income. All of these factors combine to make Sacramento one of the best places to retire in Central California.

10. Mariposa

Mariposa, California is often lauded as one of the best places to retire in Central California. With its mild climate, affordable cost of living, and proximity to both Yosemite National Park and the Sierra Nevada Mountains, it’s easy to see why Mariposa is such a popular retirement destination. But Mariposa offers more than just scenic beauty and agreeable weather.

The town also boasts a lively arts scene, with several galleries and monthly art walks. There are also plenty of opportunities for outdoor recreation, with hiking, biking, and fishing all within easy reach. And for those who crave social interaction, there are dozens of clubs and organizations to choose from. Whether you’re looking for a quaint small town or an active retirement community, Mariposa is sure to have something to offer.

11. Visalia

With its mild climate, an abundance of recreational activities, and low cost of living, it’s no wonder that Visalia is one of the best places to retire in Central California. Located in the heart of the San Joaquin Valley, Visalia enjoys more than 300 days of sunshine each year.

With an average high temperature of just 75 degrees, it’s a perfect place to enjoy all your favorite outdoor activities without having to deal with the extreme heat of summer or the cold of winter.

Whether you’re an avid golfer or hiker, or simply enjoy taking walks in the park, you’ll find plenty to keep you busy in Visalia. In addition, the city offers a wide variety of arts and entertainment options, as well as shopping and dining experiences to suit every taste. Best of all, Visalia has a very affordable cost of living, making it easy to stretch your retirement savings. So if you’re looking for a place to retire that has it all, be sure to consider Visalia. You’ll be glad you did!

12. Porterville

When it comes to finding the perfect place to retire, there are many factors to consider. But for many retirees, an ideal retirement community offers a combination of affordability, mild weather, and plenty of activities to keep them busy. With its central location and affordable housing, Porterville is one of the best places to retire in Central California.

The area is known for its mild climate, and there are plenty of opportunities for outdoor activities like golfing and hiking. In addition, Porterville is home to several restaurants, shopping centers, and cultural attractions, making it a great place to stay active and engaged in retirement.

13. Fresno

If you’re looking for a sunny place to retire in Central California, Fresno is a great option. With an average of 271 days of sunshine per year, Fresno is one of the sunniest cities in the US. Along with its sunny weather, Fresno offers several other amenities that make it an attractive retirement destination.

The cost of living in Fresno is relatively low, and there are plenty of housing options to choose from. The city also offers a wide range of activities and attractions, like Kings Canyon National Park, including museums, hiking trails, and the San Joaquin River. And if you’re looking for a place to stay active and social in retirement, Fresno has dozens of senior centers and clubs. With its affordable housing and abundant sunshine, Fresno is an ideal place to retire in Central California.

What are the Pros and Cons of Retiring in Central California?

When it comes to the Golden State, there’s no denying that California has its perks. From the world-famous beaches to the beautiful mountains and valleys, California truly does have it all.

But with all of its beauty comes a price — and for many people, that price is just too high. While some people can afford to live in California, others cannot. Here are some pros and cons of living in California right now:

The weather

It’s no secret that California’s weather is among its most attractive qualities. Whether you’re looking for sunshine or rain, you’ll find it here. In fact, no other state can claim to have as many different types of weather within its borders as California does.

The entertainment industry

Film studios like Universal Studios Hollywood have made Los Angeles one of the most popular destinations in America for visitors and residents alike. While this may not be important to everyone, it certainly appeals to those who enjoy entertainment or who work in the industry themselves.

The food

California is home to more Michelin-starred restaurants than any other state in America (and probably even the world). If you enjoy eating out at all kinds of different restaurants, then you’ll love living here!

If you’re considering moving to California from out of state, here are three cons you should know before making the decision:

Housing Is Expensive

According to a recent survey, a record number of Californians are considering moving due to the high cost of housing. The survey, conducted by the Public Policy Institute of California, found that 46 percent of respondents said the expense of their housing situation had made them seriously consider moving. Of those respondents, 37 percent said they would move outside of California if they were to relocate. The high cost of housing is a major problem in California, and it is driving people out of the state.

Traffic Is Worse Than You Expect

From the busy streets of Los Angeles to the winding roads of the San Francisco Bay Area, traffic is a constant headache for residents and visitors alike. The situation is only getting worse as the population continues to grow. As more and more people move to California, the state’s already- congested highways are becoming even more crowded. This can lead to longer commute times, missed appointments, and increased frustration. If you’re considering a move to California, be prepared for some serious traffic delays.

Risks of natural disasters

Indeed, California is no stranger to natural disasters. In any given year, the state may experience wildfires, floods, landslides, severe storms, earthquakes, winter storms, coastal storms, power outages, drought, and volcanoes.

While this may seem daunting, Californians have developed a resilient attitude and are well-prepared to face whatever Mother Nature throws their way. The state has one of the most comprehensive disaster preparedness plans in the country. From early warning systems to evacuation routes, Californians are ready to take on whatever nature throws their way. 

Places to Retire in Central California FAQs

Where is the most affordable place to retire in California

According to a recent study, the cost of living in Sacramento is 33% lower than in nearby big cities and 16% lower than the state average. This means that retirees can afford a Californian hippy lifestyle without breaking the bank.

Is there a good place to retire in California

The Central Valley region of California is a great place to retire if you’re looking for small-town living. With its mild climate and affordable housing, the Central Valley is an attractive option for retirees who want to escape the hustle and bustle of city life.

Conclusion

If you’re looking for a great place to retire, Central California is worth considering. With plenty of sunshine and warm weather, beautiful scenery, and plenty of things to do, it’s easy to see why this region is so popular. And if you need help finding the right community or deciding where to settle down, our team can assist you. Give us a call today or schedule a free consultation online—we would be happy to help!