20 Best Places To Live on Only a Social Security Check

Social Security is an essential safety net for many Americans. Even if you haven't saved enough for retirement, you can still count on Social Security benefits in retirement.

Read: 14 Key Signs You Will Run Out of Money in Retirement
Learn: Best and Worst States for Pensions

However, with an average monthly benefit of just over $1,400, America's most expensive cities are far out of reach without another source of income. If you do have to rely on your Social Security benefits alone — and still want to make the most of your golden years — you'll need to live somewhere affordable that won't compromise your quality of life.

That's why GOBankingRates compiled a list of the 20 best cities to live off of just Social Security. The study factored in the cost of living, livability and median rent and — after comparing the 143 largest cities in the U.S. — combined the scores to determine where you really can get by on just your Social Security benefit.

DenisTangneyJr / Getty Images
DenisTangneyJr / Getty Images

20. Lubbock, Texas
Cost of Living Score: 79.9Livability Score: 68Average Rent: $719Lubbock is one of five Texas cities identified in the study as a good place to live just on Social Security. Its relatively low livability score and rent of more than $700 per month prevented it from moving up on the list.

Ron_Thomas / iStock.com
Ron_Thomas / iStock.com

19. Toledo, Ohio
Cost of Living Score: 72.7Livability Score: 62Average Rent: $651Toledo's cost of living indicates that you can expect to spend more than 25% less on your basic expenses than you would in the rest of the country, on average. What's more, Toledo is one of the cities where your money stretches the furthest, according to a separate GOBankingRates study.

Sean Pavone / Getty Images/iStockphoto
Sean Pavone / Getty Images/iStockphoto

18. Cleveland, Ohio
Cost of Living Score: 72.6Livability Score: 60Average Rent: $612If you're younger and looking to avoid living off your Social Security check alone when you reach retirement, one of the best ways is to start saving early. However, even if it's too late to build the sort of nest egg you would like, a city like Cleveland — which combines modest rent with a low cost of living — should help you make the most of your Social Security benefits.

RoschetzkyIstockPhoto / Getty Images/iStockphoto
RoschetzkyIstockPhoto / Getty Images/iStockphoto

17. Magnolia, Texas
Cost of Living Score: 104Livability Score: 80Average Rent: $773Magnolia is about 45 miles northwest of Houston in fast-growing Montgomery County. Its popularity probably has led to the high rental rate in the city - eighth-highest on the list. It also has the second-highest cost of living in the study.

Art Wager / Getty Images/iStockphoto
Art Wager / Getty Images/iStockphoto

16. Richmond, Texas
Cost of Living Score: 108.2Livability Score: 82Average Rent: $780Also located in the Houston metropolitan area is Richmond, and it has the highest cost-of-living index in the study. It's livability score is among the biggest, too.