Heart & Home Real Estate released on Apr. 23 a guide outlining the best towns in Oregon to consider for retirement in 2026. The guide compares seven communities across the state, highlighting differences in cost of living, amenities, and lifestyle trade-offs.
The report notes that Oregon offers retirees geographic variety and mild climate, with each region providing a distinct experience and cost structure. The guide is intended to help those planning retirement weigh their options based on affordability, access to services, and personal preferences.
The seven recommended towns are Cottage Grove, Creswell, Junction City, Coburg, Florence, Roseburg, and Ashland. Cottage Grove is described as the most affordable option with close proximity to Eugene’s medical facilities but fewer dining or retail choices. Creswell offers mid-range pricing with larger lots and easy access to Eugene. Junction City stands out for its rural character and community events like the Scandinavian Festival.
Coburg is highlighted for its historic charm and upscale market near Eugene. Florence provides coastal living at more accessible prices than northern coast towns while maintaining necessary infrastructure such as PeaceHealth Peace Harbor Medical Center. Roseburg appeals with lower housing costs than Lane County cities along with both public hospital care and a full VA hospital—features important for veterans seeking local healthcare options.
Ashland is noted for its cultural scene anchored by the Oregon Shakespeare Festival but comes at a higher cost of living compared to other small cities listed.
Oregon’s tax environment favors retirees drawing primarily from Social Security due to full exemption from state income tax on those benefits as well as no sales tax statewide. However, withdrawals from pensions or IRAs are taxed as ordinary income; property taxes are moderate overall but vary by county.
According to Heart & Home Real Estate’s summary: “Whether you’re drawn to the coast, the valley, wine country, or a quiet small town with easy city access…we’ll walk you through current listings…and the honest trade-offs of each community — not the polished version you’ll find everywhere else.”
For those considering retiring in Oregon beyond Eugene itself—including Douglas County communities—the company says it can provide up-to-date market data and connect clients with trusted brokers when needed.
