7 Tips To Travel the US on a Middle-Class Retiree Budget
Written by
Stacy Sare Cohen
Edited by
Zuri Anderson
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If you’re 65 or older on a modest retirement income– and have stopped working, travel can still be part of your lifestyle. While extravagant trips abroad may not be realistic, there are plenty of beautiful and exciting destinations across the U.S. you can experience if you plan wisely.
First. let’s take a look at what a middle-class retiree income looks like.
In June 2025, data from the Social Security Administration reported that the average monthly benefit for an individual retired worker was $2,005.05. For a two-income household, that’s roughly $4,000 per month before factoring in any savings or pensions — enough to make travel possible with careful planning.
From off-season bookings to senior discounts and more, here are seven tips to help you explore America for less on a middle-class retiree budget.
Time Your Travel for Lower Prices
Booking during peak seasons like summer, holidays and weekends means higher rates for airfare and lodging as well as bigger crowds. Aim for spring or fall trips and book mid-week departures and returns whenever possible to get the best fares.
Take Advantage of National Park Passes
National parks offer significant savings for seniors off entry fees, costing $80 for a lifetime pass or $20 annually. With access to more than 2,000 sites, the pass can pay for itself by visiting two or three parks per year. Many parks also offer discounts on camping and other amenities.
Make the Most of Credit Card Points and Rewards
Many credit cards come with high miles as part of welcome bonuses. Others offer annual hotel credits up to 5% cash back when you travel. If you vacation frequently, consider a credit card with travel-focused benefits, spending categories, points and rewards. Always check the terms and conditions.
Look for Lodging With Senior Savings
Many hotels offer senior rates and honor discounts from AARP and AAA memberships. If the benefits are worth it, consider signing up. Don’t forget to add in taxes and fees to make sure you’re getting the best deal.
Stretch Your Food Budget
Packing snacks for day trips is a smart way to avoid overpriced food at tourist locations. Another way to save is to book lodging with included breakfasts or a kitchenette to prepare meals. This will allow you to splurge on dining experiences you don’t want to miss.
Keep Transportation Costs to a Minimum
Hiring ride shares and rental cars can get expensive. Consider using public transit when it’s available. Many destinations offer free shuttle services and passes for trains and buses with senior discounts at a fraction of the cost of what you’d pay for a taxi.Â
Look for Free and Low-Cost Entertainment
Many destinations offer free museum times days and public events at parks and community spaces. If you’re visiting New York and you want to hit a Broadway show, you can get same-day tickets at half price.
A great resource for low and no-cost cultural events and happenings is your local visitor’s center. To find it, do a Google search and input the town or city where you’ll be visiting.
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