Is This Small Town In Kentucky Its Best Kept Retirement Secret?

With a population shy of 8,700, a small town in Kentucky might seem like an unlikely candidate for an idyllic place where soon-to-be retirees can enjoy their golden years. However, it may soon become one of the country’s most desirable luxury retirement destinations.

From community, culture, and a sense of place to its low cost of living and high-quality health care options, Fort Mitchell is becoming a sought-after place. Recent surveys have placed Fort Mitchell among the top destinations for retirees, thanks to its impressive livability score and affordable living costs.

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For starters, Kentucky boasts the ninth-lowest adjusted cost of living in the nation, according to recent data from U.S. News. For Fort Mitchell specifically, the monthly cost of living hovers around $3,347 – a figure that would barely cover rent in many major cities. That affordability is an important draw for retirees, especially in the context of the "silver tsunami," a term used to describe the wave of approximately 4.1 million Americans set to turn 65 this year.

It’s not just about affordability, though. According to Go Banking Rates, Fort Mitchell has a livability score of 86 out of 100, factoring in metrics like crime rates (a low 8.677 per 1,000 residents), access to health care, and community engagement opportunities. In comparison, Camp Hill, Pennsylvania – ranked as the best place to retire in the U.S. by GoBankingRates – has similar attractive features with a slightly higher cost of living and crime rate.

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A U.S. News & World Report identifies 29 senior living communities in Fort Mitchell, with several earning top ratings for resident satisfaction. That abundance of options allows retirees to find living arrangements that suit their specific needs and preferences. The communities offer a range of amenities, from fine dining to tailored health care services, mirroring the quality found in top retirement destinations across the country.

The town’s appeal isn’t limited to retirees, however. With an average household income of $123,951 and highly rated public schools, Fort Mitchell attracts young families and professionals as well. 

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Fort Mitchell’s rise as a retirement destination reflects broader trends in how Americans are approaching their golden years. While traditional havens like Florida and Arizona remain popular, a growing cohort of retirees prioritizes factors like cost of living, health care access, and community engagement over year-round sunshine.

For example, Florida remains a top choice for its tax-friendliness and warm climate, but towns like Fort Mitchell offer a more temperate environment and unique cultural experiences.

With inflation concerns prompting nearly 90% of retirees to worry about their savings, finding a cost-effective and enriching place to retire has never been more critical. Fort Mitchell’s affordability, quality health care, and community engagement position it as a compelling choice in that landscape.

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