2. Stockton, California

Stockton occasionally shows up on affordability lists due to lower home prices compared to other California cities.

However, retirees should look deeper. Crime rates have historically been higher than national averages, and the city filed for bankruptcy in 2012. While it has improved in some areas, financial instability and public safety concerns remain part of the conversation.

Healthcare access is available, but quality and wait times can vary. For retirees seeking peace of mind, Stockton may require careful neighborhood research.