The Cheapest Places to Live in California

Active adults looking for affordable real estate in California should consider these areas.

With almost year-round sunshine, some of the world’s prettiest beaches, world-class shopping and dining, and a never-ending list of recreational and entertainment opportunities, it’s no wonder California is such as sought-after state to settle down in. And while it’s true that the most expensive cities in the country call California home, there are still many surprisingly affordable areas for homebuyers.

If you’re looking to settle down in California but you want a home that fits a tighter budget, be sure to check out the following areas with active adult communities that won’t break the bank.

Sacramento

With a robust economy, nearby UC Davis, a thriving restaurant and museum scene, and an ideal location near Lake Tahoe, Napa Valley, and San Francisco, the state’s capital city and the area surrounding it have a lot to offer active adults.

The Sacramento area has long been a popular place for active adults looking to put down roots, thanks to its thriving entertainment scene and wealth of outdoor recreational opportunities. The California State Railroad Museum, the California Automobile Museum, and the Crocker Art Museum are popular museums in the area while McKinley Park and the American River Bicycle Trail are both popular outdoor attractions. Also, Old Sacramento is a thriving historic district dating back to the 19th century.

Boasting all of that and much more, it may come as a surprise that the home prices in Sacramento have yet to catch up to neighboring metropolitan areas. Potential homebuyers may want to cash in on this phenomenon before prices creep up to the sky-high brackets seen in nearby Silicon Valley and the Bay Area.

In Sacramento and neighboring suburban cities like Lincoln and Rocklin, there are some beautiful 55+ communities with home prices starting in the low $200s. Active adults interested in buying in this area will want to check out these communities, sorted from lowest to highest priced, on 55places.com.

Bakersfield

Located between Fresno and Los Angeles, Bakersfield sits smack-dab in the center of California, and it’s close to major highways like Interstate 5 and State Highways 99 and 58, making for an easy drive to either Northern or Southern California attractions. Residents in this quiet farming community get the best of both worlds; a serene, quiet setting with easy access to urban excitement. Bakersfield is also only a two-hour drive away from beautiful Santa Barbara beaches to the west and the breathtaking Sequoia National Park to the east.

This robust agricultural community boasts direct access to some of the freshest produce in the state, along with warm, sunny weather and a thriving Basque restaurant scene. But the best part of living in Bakersfield (aside from all of the potential day-trips and weekend adventures) may be the shockingly low prices. In fact, there are six 55+ communities in the area selling affordable homes, with one offering home prices in the low $100s.

The Inland Empire

The San Bernardino Valley, also known as the “Inland Empire,” has been an increasingly popular area for active adults who want to enjoy Southern California living without the steep price tags, and this area offers just that—close proximity to beaches, year-round sunshine, and affordable home prices.

The San Bernardino Valley lies about 50 miles inland from the Pacific Ocean, making it a short one-hour drive from Huntington Beach and other coastal areas. The Inland Empire boasts a rich history and a healthy economy, making it a good bet for putting down roots. Check out the numerous 55+ communities in this area with home prices starting in the low $100s.

Stockton

Stockton is a short drive from the thriving Bay Area yet far removed from the sky-high prices, making it an ideal place for those looking to be near the action without paying an exorbitant home price. The region of Stockton and neighboring Modesto lies East of the Bay Area, and it enjoys warmer weather and a beautiful year-round climate.

Located along the San Joaquin River, Stockton and Modesto are central valley cities surrounded by rolling hills and farmland. Stockton enjoys a thriving shopping, cultural and dining scene, while Modesto and its neighboring cities boast a more suburban, natural feel.

The city of Stockton is known for its Haggin Museum, which features fine art and local history displays, as well as Oak Grove Regional Park, which has many trails for walking and biking, a nature center, and a fishing lake stocked with catfish.  There’s also a zoo and children’s museum to take visiting grandchildren. The entire area enjoys low housing prices and a number of affordable 55+ communities.

Can you spot the $207,744 difference between these identical homes?

Financing is the difference!

Get the details in The 62+ Loan™ Homebuyers Guide.

55places Mortgage is a joint venture between Mutual of Omaha Mortgage and 55places.com.
Details here.

Share this post:

We're here to help! (800) 928-2055

Call us to speak with a customer service representative.

Subscribe to Our Newsletter

Get Weekly Updates

I agree that 55places and its affiliates, partner providers or agents may call, text, or email me about my inquiry, which may be made with automated means. I understand that my consent is not a prerequisite for buying a property. I may revoke my consent at any time by contacting [email protected] Message/data rates may apply. I also agree to 55places.com’s Privacy Policy and Terms of Use.

The Best Places to Snowbird in 2021

We’ve gathered 25 of the best places for snowbirds, including cities in Florida, Arizona, California, Texas, South Carolina, and Nevada. For each entry, we’ve also provided a list of recommended 55+ communities in the area. If you’re ready to find your own winter retreat this season, here are some of the best places to consider.

Interior view of the indoor pool at Del Webb Ponte Vedra in Ponte Vedra, Florida.

Jacksonville Area 55+ Communities With Indoor Pools

There’s something so luxurious about an indoor pool. Take a look at these communities in Jacksonville and the surrounding northeast Florida area. You’ll find indoor pools and much, much more.

Sunset on sandy and rocky beach in the Bay Area of California.

55+ Communities on the Beach in the Bay Area

Perhaps you’re ready to turn your dream of living by the beach into reality. In that case, we’ve got you covered, because there are a few wonderful beachside 55+ communities right in the Bay Area.

A 55+ couple with arthritis holding hands and enjoying a day at the beach.

The Best Places to Retire With Arthritis

Those with arthritis know the pain and discomfort can be difficult to manage day-to-day. While there are many remedies to manage the pain, one you may not consider is climate. 55Places has taken a look at the best regions to live if you have arthritis, and many of them are home to 55+ communities!

A bridge over a pond on the grounds of Sun City Lincoln Hills in Lincoln, California.

Large 55+ Communities in the Sacramento Area

One of the greatest benefits of living in a large community is the vast amount of amenities typically offered. If you’re looking for larger 55+ communities in Sacramento, you’ll want to check out the three following communities.

Aerial view of the Downtown Spartanburg skyline in South Carolina on a sunny day.

Living in Spartanburg, South Carolina

Located in the scenic foothills of the Blue Ridge Mountains in Northwestern South Carolina—also known as the Upstate—Spartanburg is an ideal destination for active adults who want to retire in a mid-sized city with a small-town, close-knit feel.

About 55places

We’re changing the way people 55 and older are searching for their perfect next place. With a national network of hand-selected real estate experts, plus comprehensive information, unbiased content, and on-the-go insight about thousands of communities across the country, we’re a trusted resource paving the way from here to home. Whether you’re interested in a low-maintenance single-level residence, an active lifestyle or age-qualified community, an intimate enclave, or anything in between, we can help you make your next move the best one yet.

Scroll to Top