Core Insights - Albert Lea, Minnesota is identified as the best retirement town for middle-class Americans, with 42% of households receiving Social Security benefits and 27% receiving retirement income [1] - Florida is highlighted as both the state with the highest and lowest retirement incomes, with Venice, Florida having the highest average retirement income at $81,001, while New Port Richey has the lowest at $17,859 [2][3] - The analysis by GOBankingRates ranks 50 American cities based on financial comfort, safety, and livability for middle-class retirees [4] Summary by Category Retirement Town Rankings - Albert Lea, Minnesota has the lowest annual cost of living at $29,333, while Huntley, Illinois has the highest at $48,184 [1] - Florida dominates the list with 26 out of the top 50 best retirement cities for middle-class retirees [3] Financial Metrics - Average retirement income in Venice, Florida is $81,001, nearly double that of The Villages, Florida at $47,355 [2] - In Green Valley, Arizona, 68% of homes receive retirement income, and 84% receive Social Security benefits [8] Demographics - Sun City West, Arizona has a senior population of 85.8%, indicating a strong retirement community [2] - In Hot Springs Village, Arkansas, 73% of homes receive Social Security benefits, with 63% receiving retirement income [12] Methodology - GOBankingRates selected cities with populations over 15,000, at least 25% of residents aged 65 and older, and average home values under $500,000 [4][163]