Well, hold onto your snow shovels, because we’re about to navigate the slipperiest slopes of Michigan’s retirement landscapes!
Not every town in the Mitten State is a golden-years paradise, and we’ve got the scoop on where not to send your moving van.
Prepare for a tour of Michigan’s not-so-magical retirement destinations.
Update 2025: Added new towns.
Table of Contents
1. Benton Harbor, Michigan
Benton Harbor is ranked among the worst cities to retire in Michigan, largely due to safety concerns and low livability.
With a livability score of just 55—the lowest among Michigan cities evaluated for retirement—it struggles to attract older residents.
The average monthly cost of living is $1,715, which is high compared to better-rated cities in the state.
Crime is a major issue, with a rate of 6,365 per 100,000 people (169% above the national average).
Residents face a 1 in 29 chance of falling victim to violent crime.
Ongoing economic challenges, high poverty, and limited job opportunities further hurt the city’s retirement appeal.
2. Montmorency, Michigan
Montmorency County is known for its wild beauty. It’s a haven for wildlife and forests. The population is very spread out.
It offers peace but not much else. There are few places to shop or dine. Public transportation is almost non-existent.
Seniors looking for convenience may struggle here. The nearest hospital is miles away.
Isolation: Montmorency’s isolation and lack of basic amenities are major downsides for those seeking a comfortable retirement.
3. Muskegon Heights, Michigan
Muskegon Heights is near Lake Michigan. It has a rich history and strong community vibes. The area has parks and lakes.
However, the town struggles with high crime rates. It also has economic challenges. Schools and jobs are below average.
For retirees, safety is a key concern. Many may find it less appealing.
Safety Concerns: High crime rates and economic instability make Muskegon Heights a less desirable place for retirement.
4. Grayling, Michigan
Grayling is in the heart of Michigan. It’s surrounded by forests and rivers. Nature lovers appreciate its beauty.
Yet, it’s small and lacks diversity in activities. Healthcare facilities are limited. The economy mainly depends on seasonal tourism.
Retirees may find the off-season dull. Services can be limited during winter.
Seasonal Limitations: The reliance on tourism results in seasonal service availability, which can be inconvenient for retirees.
5. Ironwood, Michigan
Ironwood is located in the Upper Peninsula. It’s known for its snowy winters and ski resorts. The natural scenery is stunning.
But, it’s one of the coldest towns in Michigan. The weather impacts daily life heavily. Winter lasts longer here than in most places.
The extreme cold can be tough on older residents. Heating costs are high.
Harsh Winters: The severe cold and prolonged winter seasons are major reasons why Ironwood is challenging for retirees.
6. Fife Lake, Michigan
Fife Lake is a quaint village surrounded by a beautiful lake. It offers scenic views and a quiet lifestyle.
The local economy is small. Job opportunities are few. Most services and entertainment options are found in larger nearby cities.
Retirees might find the tranquility appealing, but the lack of local services can be a drawback.
Service Shortages: The absence of essential services locally places Fife Lake on this list, making daily life inconvenient for retirees.
7. Detroit, Michigan
While Detroit is known for its rich automotive history and culture, it has areas that are not ideal for retirees. Certain neighborhoods struggle with high crime rates and blight.
Revitalization efforts are ongoing, but the progress is uneven. Some parts remain underdeveloped.
The healthcare infrastructure is improving but still lags behind other cities. This can be concerning for those in retirement.
Urban Decay: Despite being a large city, Detroit’s uneven development and high crime areas contribute to its placement on this list.
8. Hancock, Michigan
Hancock is another town in the Upper Peninsula. It has a tight-knit community and beautiful landscapes.
However, it’s remote. Access to healthcare and other essential services can be problematic. The population is decreasing as younger people move away for more opportunities.
This decline affects the availability of services and community activities, which are important for a fulfilling retirement.
Accessibility Issues: Hancock’s remoteness and declining population make it less suitable for retirees looking for accessible healthcare and vibrant community life.
9. Oscoda, Michigan
Oscoda offers beautiful views of Lake Huron and the Au Sable River. It’s a spot for fishing and relaxation.
Yet, the town has limited healthcare facilities. Public transportation options are minimal. This can be a challenge for those without personal transport.
The local economy is primarily driven by tourism, which doesn’t offer the stability retirees might seek.
Healthcare and Transport Limitations: Oscoda’s limited medical services and transportation options are significant drawbacks for retirees.
10. Houghton, Michigan
Houghton is home to Michigan Technological University and is known for its vibrant student population and tech-driven community.
However, it’s quite remote and snowy, similar to other Upper Peninsula towns. This can isolate retirees, especially in the winter months.
The cost of living is relatively high due to the university presence. This may not fit well with retirement budgets.
Cost of Living and Isolation: The higher cost of living and geographical isolation place Houghton on this list of less favorable retirement towns.
11. Baldwin, Michigan
Baldwin is a small town with fewer people. The streets are quiet. It sits in Lake County.
This place has beautiful nature but lacks facilities. There are few shops and medical services. The weather can be harsh in winter.
Retirees might find it too remote. It’s far from big cities and entertainment.
Limited Services: Baldwin makes the list due to its limited healthcare options and amenities which are crucial for retirees.
12. Escanaba, Michigan
Escanaba is a port city known for its lumber history and outdoor activities.
However, the long, harsh winters and remote location can deter those looking for a more temperate retirement.
The healthcare services are also not as comprehensive as retirees might require.
Harsh Winters and Remote: The challenging climate and distance from major medical facilities put Escanaba on this list.
13. Niles, Michigan
Niles, near the Indiana border, offers a rich history and some scenic riverfront views.
However, it has higher than average property and violent crime rates which could be a concern for retirees.
The public transportation options are also quite limited, complicating mobility for those who no longer drive.
Safety and Transportation Issues: Niles’ high crime rates and limited public transport options make it less desirable for peaceful retirement living.
14. Clare, Michigan
Clare is famous for its annual Irish festival and quaint downtown.
Yet, it’s quite small with limited healthcare facilities and shopping options.
The population is mostly younger, which means social activities for retirees are few.
Limited Social Opportunities: Clare’s lack of senior-friendly amenities and activities does not bode well for retirees looking for a social community.
15. Gladwin, Michigan
Gladwin offers a quiet rural lifestyle with plenty of natural beauty.
But, the town’s remoteness means limited access to comprehensive medical care, and it has a small economy mostly reliant on seasonal tourism.
For retirees, this means fewer services and social opportunities.
Remoteness and Limited Services: The isolation and economic limitations make Gladwin less appealing for retirees seeking convenience and community.
16. Manistique, Michigan
Located on the shores of Lake Michigan, Manistique has scenic beauty and a laid-back lifestyle.
However, the town’s infrastructure is aging, and investment in public services and facilities is low.
Retirees might find the pace relaxing, but the lack of modern conveniences could be a drawback.
Aging Infrastructure: The outdated facilities and lack of investment in public services are why Manistique ranks among the worst towns for retirees.
17. Cheboygan, Michigan
Cheboygan is known for its river and proximity to several lakes, making it attractive for those who love water sports and fishing.
However, the town has a declining population, which impacts local businesses and healthcare services.
The economic stagnation and limited healthcare options make it less than ideal for retirees.
Economic Stagnation: Cheboygan’s declining population and economic slowdown contribute to its challenges as a retirement destination.
18. Menominee, Michigan
Menominee, bordering Wisconsin, has historical charm and a strong community feel.
Despite these perks, the industrial decline has led to economic challenges and a reduction in public services.
The area also has limited medical facilities, which can be concerning for those in their later years.
Industrial Decline: The economic downturn and limited healthcare facilities make Menominee a challenging place for retirees.
19. Ishpeming, Michigan
Ishpeming, in the Upper Peninsula, is known for its ski museum and rich mining history.
However, it’s isolated from major cities and the severe winter weather can be a deterrent.
Access to healthcare and other essential services is also less than ideal.
Severe Isolation: The geographic isolation and harsh winters place Ishpeming on the list of worst retirement towns in Michigan.
20. Reed City, Michigan
Reed City is a small town at the crossroads of major highways, offering easy access to other parts of the state.
Yet, the town has limited economic opportunities and lacks cultural and recreational activities that are appealing to retirees.
The local healthcare facilities are minimal, which poses a risk for residents requiring regular medical care.
Limited Healthcare and Activities: Reed City’s limited healthcare services and lack of recreational activities make it a less desirable location for retirement.
Retired to Grayling 19 years ago. If I can’t live in the U P this town is the best