7 Best Nevada Cities To Retire on $3K or Less Per Month

If you’re planning to spend retirement in Nevada and have a monthly budget of $3,000 or less to work with, there’s at least one city where this amount of money goes the furthest, and six more to explore if your monthly expenditures do not exceed $3,400.

GOBankingRates utilized January 2025 data from Zillow to find every Nevada city with a monthly rent of $2,000 or less. Data from the Bureau of Labor Statistics’ 2023 Consumer Expenditure Survey was then sourced to find monthly costs for groceries, healthcare and utilities for people aged 65 and older. The monthly housing, grocery, healthcare and utilities were added up to find which Nevada cities a person aged 65 and older could survive on $3,000 or less.

Ranked from cities with the most to least expensive monthly costs, this is how far a $3,000 monthly budget takes retirees in seven Nevada cities.

• Average rent (January 2025): $1,853
• Livability: 70
• Average monthly grocery cost: $421.05
• Average monthly healthcare cost: $729.79
• Average monthly utilities cost: $342.77
• Average monthly expenditures cost: $3,346.59

• Average rent (January 2025): $1,895
• Livability: 76
• Average monthly grocery cost: $423.12
• Average monthly healthcare cost: $622.09
• Average monthly utilities cost: $370.76
• Average monthly expenditures cost: $3,311.39

• Average rent (January 2025): $1,866
• Livability: 76
• Average monthly grocery cost: $419.80
• Average monthly healthcare cost: $640.15
• Average monthly utilities cost: $347.43
• Average monthly expenditures cost: $3,272.95

• Average rent (January 2025): $1,829
• Livability: 74
• Average monthly grocery cost: $433.89
• Average monthly healthcare cost: $622.09
• Average monthly utilities cost: $361.43
• Average monthly expenditures cost: $3,246.05

• Average rent (January 2025): $1,803
• Livability: 81
• Average monthly grocery cost: $423.95
• Average monthly healthcare cost: $640.15
• Average monthly utilities cost: $343.12
• Average monthly expenditures cost: $3,210.04

• Average rent (January 2025): $1,736
• Livability: 82
• Average monthly grocery cost: $423.95
• Average monthly healthcare cost: $622.09
• Average monthly utilities cost: $368.25
• Average monthly expenditures cost: $3,149.80

• Average rent (January 2025): $1,349
• Livability: 68
• Average monthly grocery cost: $416.90
• Average monthly healthcare cost: $586.64
• Average monthly utilities cost: $365.74
• Average monthly expenditures cost: $2,718.58

Methodology: For this study, GOBankingRates found the best Nevada cities to retire on a budget of $3,000 dollars or less. GOBankingRates used Zillow January 2025 data to find every city in Nevada that has an (1) January 2025 monthly rent of $2,000 dollars or less. GOBankingRates then used Sperling’s BestPlaces to find the cost-of-living index for every city on the list, looking at (2) grocery, (3) healthcare and (4) utilities index scores. Next, GOBankingRates used data from the Bureau of Labor Statistics’ 2023 Consumer Expenditure Survey to find the annual expenditure amount for grocery (“food at home”), healthcare and utilities (“utilities, fuels and public services”) costs for people aged 65 and older in order to find how much a person 65 and over would spend on groceries, healthcare and utilities in each city on a monthly basis. GOBankingRates then added monthly housing, grocery, healthcare and utilities costs together to find where a person 65 and older could survive on $3,000 or less. In order for a city to be qualified for the study, it had to have a livability score of 65 or higher as sourced from AreaVibes and be one of the 2,000 largest housing markets according to Zillow. All data was collected on and up to date as of March 10, 2025.