10 Best Small Towns In Iowa For Retirees
If your golden clock is ticking, and you want to savor retirement in a charming small town, Iowa beckons with open arms. In addition to being one of the safest, most affordable states, the Hawkeye State is nestled between the Missouri and Mississippi Rivers, granting it some of the nation's most breathtaking landscapes. From sweeping farmlands, majestic river vistas, and tall grass prairies to dense forests, Iowa's natural beauty knows no bounds. Add in its low population and urbanization rates; you are guaranteed to find an idyllic little town perfect for your twilight years. These are the ten best small towns in Iowa for retirees where life moves at a relaxed pace, amenities are plenty, and natural bounties abound.
Spirit Lake
The Spirit Lake in Dickinson County spans only 4.7 square miles in size but packs an amazing punch of attractions within its small size. Perched on the southern shores of Big Spirit Lake, Iowa's largest natural lake, and the town's namesake, as well as the western shores of East Okoboji Lake, this small town is surrounded by more natural beauty than you may expect.
It's close to multiple parks, including the Okamanpeedan State Park, home to over 250 unique bird species, hiking trails, and boardwalks that wind through wooded islands, creating an ideal setting for bird watching. For outdoor enthusiasts, the Iowa Great Lakes Trails also runs through the city. It offers a 15-mile scenic journey along the southern shores of Iowas's great lakes and leads hikers through lush forests, tall grass prairies, and wetlands while providing spectacular lake views.
If you're a water sports lover, retirement in Spirit Lake is set to be a blast. The town's location amid Iowa's great lakes offers a multitude of water recreation opportunities. For instance, East Okoboji Lake, with its crystal-clear waters and sandy beach, beckons you to sunbathe and take a dip during the summer months. Fishing, paddle boating, kayaking, kiteboarding, windsurfing, and boat tours are also popular warm-weather activities, while winter invites you to explore ice fishing.
Within the town, historic landmarks and iconic buildings line the streets, offering a glimpse into Spirit Lake's rich history. The downtown area features an assortment of shops, restaurants, and art galleries for those seeking retail therapy and local cuisine. Festivals and events are also held throughout the year, offering both visitors and new residents a chance to immerse themselves in the town's close-knit atmosphere, shared by its 5,000 residents.
Fort Madison
Fort Madison was the first-ever military garrison established in the Upper Mississippi region. It has since grown past its military roots and is now a scenic, small town set along the Mississippi River. Its location along the river grants it a serene environment where retirees can enjoy majestic water vistas, take leisurely walks along the riverfront, or simply observe the scenic river traffic. The town's Riverview Park is a green oasis with picnic areas and walking paths and also provides unobstructed views of the famous river.
The township is steeped in history and is home to the original fort, the Old Fort Madison, where you can get a glimpse of the town's past. Fort Madison embraces and celebrates its historical significance with attractions like the Santa Fe Swing Span Bridge, a historic double-decked truss bridge that runs over the Mississippi River and connects the Iowa town to Illinois. The town's festivals, such as the Tri-State Rodeo and River Fest, are popular cultural engagement activities that showcase its vibrant community spirit while providing residents with opportunities for enrichment.
Urbandale
Looking to retire in a small charming town with ease of access to modern amenities? Urbandale fits the description. It offers well-maintained parks and green spaces where residents can revel in the great outdoors. These include Lion Park and Walker Johnston Park, where retirees can enjoy leisurely walks, picnics, and moments of tranquility.
The nearby Des Moines River, with its scenic, meandering waters and trails, allow residents to engage with the area's unique natural splendor. At the same time, the town's tree-lined streets enhance the serene ambiance, providing a sense of connection to nature.
Urbandale residents also enjoy a robust cultural scene thanks to the multiple local theaters and art galleries in the area, including the Urbandale Public Library and the Des Moines Art Center. Furthermore, Urbandale is situated on the junction of Interstates 35 and 80 and just a short drive from downtown Des Moines, serving as the ideal escape from urban hassle and simultaneously allowing seamless access to city amenities. What's more, Urbandale has one of the lowest municipal tax rates in Iowa, making retirement living quite affordable.
Waukee
Initially a coal mining community, Waukee is a small suburban town west of the West Des Moines Metropolitan area. It has a laidback suburban feel, and nature can be encountered on foot or by bike thanks to nearby natural attractions like the Raccoon River Valley Trail, which features picturesque walking and biking trails amid lush landscapes. The scenic Raccoon River runs through the town, providing serene riverfront vistas, while the town's green spaces, such as Centennial Park, offer opportunities to enjoy outdoor activities in a natural environment.
Beyond the natural beauty, Waukee exudes a strong sense of community. Residents come together to celebrate local traditions and events during festivals like the Waukee Arts Festivals and the Annual Celebration of Waukee Jubilee Days, providing new residents with opportunities to engage with the community. Waukee's vibrant downtown area is adorned with local shops, boutiques, and eateries that serve a variety of cuisines. In a nutshell, Waukee offers retirees a peaceful, close-knit community combined with natural beauty.
Clear Lake
Clear Lake is a charming lake town set by the sparkling shores of its large, spring-fed namesake lake. The lake, which features beautiful beaches and crystal-clear waters, is a haven for water sports lovers, and activities like sunbathing, fishing, boating, and kayaking are popular. Retirees with no bone for water sports can simply relish leisurely walks along the lakefront or enjoy picturesque sunsets over the water. The surrounding countryside offers lush agricultural farmlands and green spaces, such as the Mclntosh Wood State Park, which offers opportunities for hiking, camping, and wildlife sightings.
Nature aside, Clear Lake distinguishes itself with its lively and diverse cultural scene, with various events and activities held throughout the year. For instance, the town hosts shows and events like the annual Winter Dance Party in the Surf Ballroom, a historic rock and roll venue, and a museum famous for having hosted the final performances of Buddy Holly and J.P. These events enhance its strong sense of community, and welcome retirees to mingle with the friendly locals while enjoying Clear Lake's vibrant atmosphere.
Bancroft
Bancroft, named after historian George Bancroft, is a picturesque town in Kossuth County nestled amidst the stunning landscapes of rural Iowa, with fertile farmlands and rolling hills that offer retirees breathtaking vistas and a serene living environment.
Once an agricultural farmland, Bancroft is today home to multiple parks and green spaces like Millennium Park, which is set alongside the York River and features picnic benches, a walking trail, and public water taps. Churchill Park, also set on the banks of York River, is a scenic picnic spot, while Vance Farm Park features rugged but scenic walking and hiking trails. The nearby Des Moines River presents opportunities for strolls along its banks, bird watching, and enjoying the soothing sounds of nature.
The town area is dotted with local restaurants and agricultural-related businesses, including a chick hatchery. The main street offers access to modern businesses such as insurance providers, grocery stores, a pub and grill, florists, a car dealership, and a bank. If you're a booze lover, you'll be glad to know Bancroft is home to the award-winning S&B Farms Distillery, as well as Plum Creek Winery, a renowned spot throughout Iowa. Love sports? There's an aquatic center, multiple volleyball courts, a golf course, a bowling alley, and even a Memorial Baseball Park.
Indianola
Indianola is a suburban town south of downtown Des Moines. The cost of living here is low, and opportunities for mingling with nature are abundant, thanks to the natural landscapes and green spaces that characterize the town. This suburban haven is home to 14 parks with over 255 acres of green space, including Pickard Park, the largest park in the area with incredible views of Iowa's countryside. The park features picnic tables and shelters, a bike trail, and a sporting complex that hosts various sporting activities, including disc gold and softball tournaments. For non-athletic retirees, the 5.4acre Buxton Park provides a tranquil escape with its arboretum and botanical garden that's open and free to the public.
Indianola also boasts a vibrant cultural scene and even hosts the Des Moines Metro Opera, allowing residents to enjoy world-class performances. The town's skies also transform into a sight to see during the annual National Balloon Classic, a unique event that fills the skies with colorful hot air balloons. Simply put, Indianola offers retirees a mix of cultural experiences and access to natural beauty, making it a compelling retirement destination.
Pella
Pella, located about 40 square miles from Des Moines, is a small, charming town founded by Dutch immigrants. It's known for the neaby Lake Red Rock, Iowa's largest lake, popular with recreational activities such as boating, fishing, and picnicking. Pella's landscape is characterized by rolling hills, fertile farmlands, and abundant green spaces such as the Molengracht Plaza, a well-maintained park with walking paths and open spaces for residents to enjoy the outdoors.
There are walking and biking trails all around the town, such as the Eagle Lair Loop, a trail dotted with bald eagles, and the Howell Station Prairie trail, which traverses through beautiful grass prairies and features two small ponds that serve as waterholes for small mammals, and waterfalls. Another popular trail is the 14-mile Volksweg trail. It connects the Pella Public Library with the Fifield Recreation area, making it the perfect place to unwind after a day spent browsing books in the library.
The town's park department's commitment to greenery is evident in its over 250 well-maintained flower beds featuring tulip bulbs and over 80 other different flower varieties. Pella's Dutch heritage echoes loud when the tulips bloom, and the residents dress in traditional Dutch costumes and come together to celebrate the annual Pella Tulip Time Festival. The charming downtown area also pays homage to its Dutch roots with Dutch bakeries, shops, and restaurants serving Dutch pasties and cuisines, offering retirees a chance to experience a unique and enriching cultural experience.
Huxley
Huxley is a pretty small town, but that's what makes it all the more charming. Set in Story County, Huxley's proximity to the scenic Skunk Rivers offers residents an opportunity to immerse themselves in nature. The town is also nestled amidst parks and green spaces like Centennial Park, offering walking trails and peaceful areas for relaxation. Other parks in the area include Berhow Park, Trailridge Park, and the Larson Family Sports Fields.
The main town area features local shops, boutiques, and eateries where residents and retirees can get a taste of local cuisine and engage in artisanal crafts. As with many of the best small towns in Iowa for retirees, Huxley also has a tight-knit community and a rich culture often showcased during its annual events and gatherings, such as the Huxley Prairie Fest.
Asbury
Asbury is a small town nestled in Dubuque County. It's surrounded by natural attractions such as the Althaus Wetland & Nature Preserve, a wetland area with an accessible shoreline that's home to a beautiful butterfly garden and native birds, and also hosts a community fishing location. A short distance away is Asbury Park, a public park with picnic tables, grills, open-air pavilions, and restrooms ideal for weekend hangouts. At the same time, Cloie Creek Park on Sanibel Lane is the best spot to break a sweat, thanks to its well-maintained dirt trails.
Asbury is also about 20 minutes from the Mines of Spain Recreation area. Located on the banks of the Mississippi River, this recreation area provides stunning river vistas, serene woodlands, and trails for leisurely walks and wildlife observation. Lush rolling hills also surround the town, while the nearby Dubuque Arboretum and Botanical Gardens are a haven of blooming gardens and walking paths.
With a total area of only 2.66 square miles, a small population, and primarily serving as a bedroom community, Asbury makes an ideal retirement town as it guarantees a calm pace of life and a close-knit community for retirees. The town is home to charming local eateries where retirees can savor local cuisine. Additionally, its proximity to Dubuque offers seamless access to urban conveniences and cultural attractions like the National Mississippi River Museum and Aquarium.
If your twilight years beckon and you prefer retiring in a small town, The Hawkeye State is just the perfect place to look. Nestled between the Missouri and Mississippi rivers, Iowa offers breathtaking landscapes, low living costs, and friendly, culturally engaged communities. Explore our picks for the best small towns in Iowa for retirees above to find the ideal retirement destination.
