4. Oaks North (San Diego, California)

Southern California is notorious for a high cost of living, making affordable retirement options a true anomaly. Oaks North in Rancho Bernardo breaks the mold.

While the attached condos carry higher dues to cover exterior building maintenance, some of the detached, single-family homes feature fees well under $100 per month.

Residents still enjoy full access to the Oaks North Community Center, which features tennis courts, a pristine swimming pool, lawn bowling, and a fitness center. You get to enjoy the legendary San Diego climate without the legendary price tag.