The Town Files

The 25 Best Small Towns to Retire in Illinois

Ranked on The Town Files lifestyle rankings among 238 towns of 2,500–10,000 people in Illinois. #1 is Galena, IL.

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Numbers match the ranking.
The 25 Best Small Towns to Retire in Illinois1. Galena100th pct2. Monticello99th pct3. Green Oaks99th pct4. Fairbury99th pct5. South Jacksonville99th pct6. Mount Morris99th pct7. Palos Park98th pct8. Indian Head Park98th pct9. Inverness96th pct10. Hamilton96th pct11. Trenton96th pct12. Lincolnshire95th pct13. Lake Bluff95th pct14. Lena95th pct15. Lebanon94th pct16. Eureka93rd pct17. Lake Barrington93rd pct18. Geneseo92nd pct19. Northfield91st pct20. Flora91st pct21. Metamora90th pct22. Rochester90th pct23. Oregon90th pct24. Pawnee90th pct25. Smithton89th pct
  1. 25Smithton, Illinois

    Better for retirees than 89% of Illinois towns

    4,006 people · St. Clair County · median home $256,300 · income $135,455 · Jan low 24°F · 12 in snow

  2. 24Pawnee, Illinois

    Better for retirees than 90% of Illinois towns

    2,678 people · Sangamon County · median home $149,500 · income $81,103 · Jan low 21°F · 14 in snow

  3. 23Oregon, Illinois

    Better for retirees than 90% of Illinois towns

    3,604 people · Ogle County · median home $142,600 · income $71,841 · Jan low 13°F · 32 in snow

  4. 22Rochester, Illinois

    Better for retirees than 90% of Illinois towns

    3,863 people · Sangamon County · median home $238,900 · income $117,118 · Jan low 19°F · 19 in snow

  5. 21Metamora, Illinois

    Better for retirees than 90% of Illinois towns

    3,904 people · Woodford County · median home $201,800 · income $129,479 · Jan low 17°F · 21 in snow

  6. 20Flora, Illinois

    Better for retirees than 91% of Illinois towns

    4,803 people · Clay County · median home $77,300 · income $47,148 · Jan low 21°F · 12 in snow

  7. 19Northfield, Illinois

    Better for retirees than 91% of Illinois towns

    5,751 people · Cook County · median home $878,300 · income $161,500 · Jan low 16°F · 34 in snow

  8. 18Geneseo, Illinois

    Better for retirees than 92% of Illinois towns

    6,539 people · Henry County · median home $205,400 · income $70,147 · Jan low 15°F · 28 in snow

  9. 17Lake Barrington, Illinois

    Better for retirees than 93% of Illinois towns

    5,100 people · Lake County · median home $475,700 · income $141,958 · Jan low 14°F · 43 in snow

  10. 16Eureka, Illinois

    Better for retirees than 93% of Illinois towns

    5,227 people · Woodford County · median home $154,300 · income $56,048 · Jan low 17°F · 21 in snow

  11. 15Lebanon, Illinois

    Better for retirees than 94% of Illinois towns

    4,691 people · St. Clair County · median home $170,700 · income $88,750 · Jan low 24°F · 11 in snow

  12. 14Lena, Illinois

    Better for retirees than 95% of Illinois towns

    2,772 people · Stephenson County · median home $146,000 · income $72,663 · Jan low 12°F · 36 in snow

  13. 13Lake Bluff, Illinois

    Better for retirees than 95% of Illinois towns

    5,616 people · Lake County · median home $776,700 · income $204,000 · Jan low 16°F · 39 in snow

  14. 12Lincolnshire, Illinois

    Better for retirees than 95% of Illinois towns

    7,940 people · Lake County · median home $677,700 · income $185,580 · Jan low 18°F · 34 in snow

  15. 11Trenton, Illinois

    Better for retirees than 96% of Illinois towns

    2,690 people · Clinton County · median home $178,200 · income $80,795 · Jan low 24°F · 10 in snow

  16. 10Hamilton, Illinois

    Better for retirees than 96% of Illinois towns

    2,753 people · Hancock County · median home $114,100 · income $56,895 · Jan low 17°F · 22 in snow

  17. 9Inverness, Illinois

    Better for retirees than 96% of Illinois towns

    7,616 people · Cook County · median home $715,600 · income $207,434 · Jan low 13°F · 39 in snow

  18. 8Indian Head Park, Illinois

    Better for retirees than 98% of Illinois towns

    4,065 people · Cook County · median home $356,600 · income $100,149 · Jan low 15°F · 42 in snow

  19. 7Palos Park, Illinois

    Better for retirees than 98% of Illinois towns

    4,899 people · Cook County · median home $464,700 · income $121,696 · Jan low 15°F · 39 in snow

  20. 6Mount Morris, Illinois

    Better for retirees than 99% of Illinois towns

    2,861 people · Ogle County · median home $121,800 · income $45,726 · Jan low 13°F · 32 in snow

  21. 5South Jacksonville, Illinois

    Better for retirees than 99% of Illinois towns

    3,302 people · Morgan County · median home $135,800 · income $49,587 · Jan low 18°F · 16 in snow

  22. 4Fairbury, Illinois

    Better for retirees than 99% of Illinois towns

    3,633 people · Livingston County · median home $162,200 · income $70,962 · Jan low 15°F · 14 in snow

  23. 3Green Oaks, Illinois

    Better for retirees than 99% of Illinois towns

    4,128 people · Lake County · median home $673,100 · income $147,614 · Jan low 16°F · 43 in snow

  24. 2Monticello, Illinois

    Better for retirees than 99% of Illinois towns

    5,941 people · Piatt County · median home $210,500 · income $99,449 · Jan low 17°F · 18 in snow

  25. 1Galena, Illinois

    Better for retirees than 100% of Illinois towns

    3,308 people · Jo Daviess County · median home $233,200 · income $58,689 · Jan low 10°F · 38 in snow

Price vs ranking

Median home value vs ranking, Illinois towns0255075100$38K$231K$424K$617K$811KMedian home valuePercentile
Orange squares are the 25 towns on this list; green dots are other towns on The Town Files in Illinois.

More Illinois rankings

Same ranking, other places

Methodology. We ranked 238 towns of 2,500–10,000 people in Illinois (2020 Census population; towns with 2,500+ people have pages so far). Lifestyle measures are The Town Files lifestyle rankings, built from federal demographic, school, crime and housing data (2025), shown as percentiles. Only towns better than 60% of their peers on this measure qualify, so lists can be shorter than 25. Sources: