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Retiring to a small town or rural area

Posted Jul 06 2009, 10:35 AM by Karen Datko
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This guest post comes from Mr. GoTo at Go To Retirement.

Our vacation home is on a lake in a rural area. The nearest small town is a 20-minute drive. Although we do not live on a farm or have lots of land, it is a country lifestyle with a waterfront bonus. When we spend time here, I often think about the positive and negative aspects of retirement in a small town or rural community.

Benefits

Our neighbors across the street retired years ago and live at the lake full time.  Our neighbors next door are retiring this summer and plan on living at the lake after they sell their city home and farm. That has caused me to think even more about the combination of small town country living and retirement for us.

Cost of living. Food is more expensive in our local grocery stores. If we were to drive another 30 minutes, we can find larger chain groceries with lower prices. When we start living here for longer periods, that might make sense.

Everything else that we buy in our rural community seems to be less expensive, including utilities, insurance, and maintenance services. I think that a lot of that is related to real estate. The land is cheaper, houses cost less, and property taxes are lower compared with city living. This flows into all other cost-of-living categories.

Peace and quiet. I can sum up this benefit this way: Without fail, I sleep much better at the lake than I do at our home in the suburbs. There, sleeping past 6:30 a.m. is a rarity, even on weekends. Up here, I routinely sleep until 8 a.m. or later.

It is quiet here -- less noise pollution from people and things around us. There is also less light pollution. At night, the biggest glow is from the moon and stars, sometimes reflecting off the lake. I don't think that we as city dwellers understand how sound and light distractions affect us physiologically. Being in the country calms our bodies.

The pace of life. Life slows down in rural areas, and generally not in a bad way. My thinking about this phenomenon is that it comes down to geography and practical living. For most country folks, it takes longer to get from one place to the other. This causes you to not go there as often. You stay around home more, resisting that large-city temptation to go shopping or go "somewhere." Out here in the country that "somewhere" is a lot farther away. Although it is sometimes inconvenient to drive 25 minutes to a hardware store or grocery, I like the overall slowness of rural living.

The people. To me, this is the biggie. The people up here in rural Kentucky are just plain nice. It's as simple as that. Our neighbors here are genuinely friendly and helpful. In the city, some neighbors are friendly, some are competitive, some we don't even know. 

There were two examples of this recently. First, I saw a truck on our little street looking for a neighbor's house so the driver could provide an estimate for a gutter repair. I flagged him down, pointed out where the neighbor lived, and asked him to come by when he was finished there. I had a small section of gutter that was torn off in our ice storm earlier this year.

He came back later, saw what was needed and said it was so small, he would do it for free when he came back to fix my neighbor's gutter. And that's not the first time that has happened.

Later, I saw a pile of gravel in front of a nearby vacant lot. I asked my neighbor who owned the lot if I could buy some of the gravel to finish my retaining wall project. She said to just take what I needed, for free. Another neighbor heard me ask. A few minutes later, he drove over with his utility vehicle and some buckets and volunteered to help me transport the gravel.

I just appreciate the genuine reality and kindness of small town and country folk. I can overlook a lot of negatives in rural retirement based on the people alone.

Disadvantages

It is easy to identify two of the prominent drawbacks of retirement in the country, although they haven't really affected us.

Transportation and travel. Although it is easy to get to our lake house by car (we are only nine miles from an interstate), flying somewhere takes effort. The nearest major airport is 90 minutes away. This makes it more inconvenient for us and for long-distance visitors. I think this is something I can handle.

Medical care. Routine health care and a small county hospital are 25 minutes away. A 911 call would probably bring an ambulance in 20 minutes. The nearest major medical center is 90 minutes. Thus, if one of us had a serious health problem, we would be traveling quite a bit. That is something to worry about but not yet. If a problem like that develops, we will deal with it then. I cannot see making a retirement decision now based on something bad that might happen in the future.

Cultural amenities. If you are big on pro sports, museums, fine dining, and the like, then rural living is not for you. I like all of these things but not enough to keep me tied to a city. As long as I have the time and money to experience city culture now and then, that suits me fine.

Final thoughts

I will be the first to concede that I have a lot more to learn about this subject, for the simple reason that we haven't retired yet. But so far, I cannot see any real obstacles to my enjoyment of retirement in a small town or rural area.

Do any of you have any insight for me?

Related reading from Mr. GoTo:

Equity indexed annuities: Problems, risks and benefits

Building a better CD ladder online

The other costs of home ownership

Comments

 

Benefits 4  vs. Disadvantages 3. Pack your bags, good luck and God Bless!

I grew up in a small mountain resort town, so I can relate to the positives you've already mentioned. The people, while not necessarily nicer, are usually more helpful in direct relation to how isolated they are from the nearest "major" population center.  The lack of noise, air, and light pollution alone are worth it.  After 25 years of living in the city, barking dogs, gardeners with their power mowers and blowers, and traffic noise, to name just three, still drive me bonkers.  The BIGGEST downside to rural retirement, in my eyes, is the amount of time it takes to get anywhere that has services you need but can't get in your town, like your Dr., or just being able to see a movie at the theater.  Second, the wear and tear and mileage put on your car will surely discourage you from owning a nicer car, since you'll be driving a lot to get to anywhere, and your vehicle will not be worth much because you're actually using it a lot.  You will soon find yourself "going to town" once a month, maybe twice, and it'll be an all day affair, because it takes 90 minutes to get there, 90 back, there's 3 hours gone, and 5 or 7 hours left to go grocery shopping, Drs. appt., lunch, oil change and tires rotated, etc... Really, all in all, you're just exchanging one set of hassles with city life for a different set of hassles that come with rural life.  But seeing real stars at night, the fresh air, the quiet sounds of nature, driving more than 1/4 mile before stopping for a stupid light...that's worth a lot!  Try it for a couple of years to really give it a shot, and then if you don't like the situation, change it.      

The benefits seem to outweigh the disadvantages for the author.

Say "Hi" to Mr. Haney and grocer Sam Drucker for me!

That being said, my wife and I are considering buying property "in the country." My wife's sister lives an hour north of Houston. She is ten miles from the Interstate, but five minutes from the nearest farm road (60mph rural highway). Property in the area runs about $25000 a acre, depending on amenities (over $100,000 a acre on nearby Lake Conroe). To me, a heart patient, the only big downside is that I'm 20 minutes from the local regional hospital. They do have excellent care there (my mother-in-law was a patient last year), but jussssst in case. The airport is a half hour (same as I currently drive, just in the opposite direction) away. There aren't a lot of cultural amenities there, and fine dining means driving to The Woodlands or Houston. Not the end of the world.

If I didn't live in a quiet neighborhood now I'd jump on this next year instead of waiting a few years to buy the property and then another ten to build a house.

We moved to the country about 5 years ago and just about all the examples that you have posted are on the money. While it takes longer to get anywhere it is worth the peace and quiet experienced in our daily lives. One drawback we have struggled with has been getting good contractors to take on our projects and most don't even bother to show up for bids. I think that the travel time to our farm is the major drawback but we have also noticed that the "laid back"' attitude rolls over into the work ethic also. Another thing to consider is to put a good emergency generator into the budget, power failures are very common place.

I was a former military child, and i loved it when i went home to my small home town. Sparks, Arkansas was the quite sceren life i dreamed of, but after our month stay over the summer i was ready to go home. i think it depends on  you, but you might get tired of it. try staying at your house for a month or two and try it out.

Chip,

Another thought we've been having has been moving to the Yucatan peninsula. There is a lot of land for sale, and it can be quite peaceful, but getting contractors looks to be a nightmare. Power is surprisingly consistent. There is a lot of rural electrification going on. Still, I don't want to build the bottom story of a house and wait until the following spring for the crew to return.

While living so far from a major medical facility would be a concern of mine, I know what you mean about not basing a retirement decision on that factor. Living a quieter, more peaceful life might actually preserve your health and longetivity. It also seems like you might be exchanging one set of "cons" for another. You may be able to arrange shopping, doctor's appointments etc. so as to group them into one or two days a month in town.  Strive for optimum health, learn CPR, stock up on basics (in case of bad weather), have a neighbor lined up to help in case of an emergency, and go on and live your retirement to the fullest. All in all, I believe you'll need to give it a try before making the final decision. Best wishes whatever you decide to do.

I already live in a very small, rural town in West Texas and am currently selling up and moving to an even smalle, rural town in western Virginia, I'm actually leaving next week, after 31 years in my Texas town.  I'm 47 so not exactly retiring yet but certainly semi-retiring and really looking forward to it!

We live in a very small (abt 3500) town full time in southern Arizona.  The nearest town is about 2 hours away.  We are surrounded by federal land (2 national preserves, Air Force testing range, and Indian reservation.  Our little metropolis in the desert will continue to be - at least in our lifetime, and probably those of our kids and grandkids - very small and very rural.  There is a large grocery store, we have a hardware store, 2 dollar stores and a few restaurants.  One pharmacy, one small health clinic and we have a developing artist community.  This used to be a mining town (copper), and when the company sold off the houses - some were sold at $10,000.  This is where I was born 52 years ago, and we very much enjoy our life here.  Infrequent crimes -- usually very small -- and you know your neighbors... and pretty much everyone else in town.  For the most part, living over 100 miles from town is pretty nice.  We do about 90% of our shopping here in town, but about once every 4-6 weeks, we make the trek into town (WalMart's 90 days for $10 prescriptions).  

Job opportunities are kind of scarce - but if you can land a federal (including a large Border Patrol station), state or county job - you are in luck.  

The real drawback is the fact that we have no emergency services here in town.  We have an ambulance service and a small clinic with basic services BUT emergency care involves at the least a 2 hour ambulance drive OR a 45 minute ambulance ride with helicopter available in the next town.  We have certain doctors that come down on a regular basis (cardiologist, phys therapy, optician, etc), but as our fairly large elderly population continues to age... there are frequent and inconvenient trips to town. This is hard on our precious aging folks because they are ill equipped to handle in-town driving.  Luckily we do have a local transportation company that runs a shuttle in and out of the major cities.

We like it here, but the fact that we are older and settled (we're both 52) makes a big difference.  We have lived all over the place - in big cities -- and we like our slower paced way of living.  Yes, it can be a pain because everyone knows you and knows all of your business... but if you don't do anything wrong -- that's ok too.  

We have such a wonderful church family, and a great many very good friends.  Our slower pace lets us all be more aware of the things that are going on in other's lives.  The kindness and compassion we show to one another is such a gift -- one not found in a large impersonal metropolis.  Births and deaths are acknowledged - troubled times are lifted up to those who need a hand.

For us... we are happy in our little rural town 100 miles from "anywhere".

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