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Birmingham, Michigan: Most Affordable of the Top Five US Retirement Cities

Updated on September 7, 2017
Patty Inglish, MS profile image

Ms. Inglish is an award-winning Employment & Training pro with regional records and tens of thousands placed into gainful employment.

Affordable Cities on Eye Catching Top 10 Lists

Lists of "Top 10 Cities" often contain entertaining facts, travel information, and ads for rental and retirement housing. Most useful to wealthier retirees, these lists can be demoralizing to seniors who have more limited incomes.

An organization in my town emailed me their list of best US retirement recommendations and it contained a surprise.

The cities are recognized for interesting food and drink establishments and for being the most "walkable"; but while the top four cities have high costs of living compared to the national average, the fifth, Birmingham, is much more affordable.

Booth Park in Birmingham, Michigan.
Booth Park in Birmingham, Michigan. | Source

The top five cities offer urban districts that contain many goods and services within a short walkable distance of residences, often in muti-use complexes that contain dwellings. The rental prices are usually higher than average, however.

Those who watch the Food Network and foodie travel shows know that these presentations support eating and drinking places offering dishes starting at $40 per dish or higher. Most retirees are unlikely to be able to patronize these establishments, even if they are a short walk from home; but Birmingham foodies are pleased to see lower restaurant prices and high quality.

Affordable Prices in Upscale Michigan

For those who can afford the advertised range of independent living rents seen below, the unique attractions in an upscale Michigan community may be worth the price of housing.

About 26% of its residents earn over $200,000 yearly, making Birmingham one of the richer cities in the state, but affordable prices are available as well.

About 30% of Birmingham residents are senior citizens aged 55 and older, often categorized as "active seniors."

Top Five Cities for Food Enjoyment in Retirement

Commnunity Name
Range of Independent Living Retirement Costs
Walkability
Evanstan IL, near Chicago
$1,600 - $4,900 monthly
Best
The Bronx, NYC
$1,600 - $4,900 monthly
Second Tier
Oakland California Metro
$1,700 - $4,900 monthly
Second Tier
Culver City, California
$1,700—$5,350 monthly
Third Tier
Biurmingham, Michigan
$1,700—$5,100 monthly
Third Tier
Source: Data received in an email from local monthly paper "Retirement News", August 27, 2017.

In the table above, we can see that the range of rental prices recommended for retirees look too expensive for the average American senior. In fact, the average Social Security Retirement (SSR) check in the US is around $1,300 in 2017, the maximum being $2,687.

For two retirees living together, the average amount of monthly SSR leaves very little money after the rent payment. This seems like overwhelming bad news, but Birmingham does offer clean, attractive monthly housing at lower rates, as indicated below.

Moderately Priced Independent Living

About 30% of all Birmingham residents are seniors aged 55 and older.

  • All Seasons of Birmingham (moderate to upscale rents): 111 Elm Street Birmingham, MI 48009. www.allseasonsbirmingham.com
  • Buckingham Square Apts: 3100 Glouchester Ave, Troy, MI 48084. One Bedroom $950 for 800 sq. ft. Some are furnished.
  • Kensington of Beverly Hills, 18335 W 13 Mile Rd; Southfield, MI 48076. One Bedroom $770 to $1,070 per month.

Affordable Housing in Nearby Royal Oak

I recommend Royal Oak just to the south, because it is a clean, well maintained neighborhood with many shops and dining places. Murals and other public arts abound. There is a farmers market and the Detroit Zoo is in the southwest corner, off Woodward. The annual Dream Cruise of classic cars passes this town as it proceeds along Woodward to Birmingham.

  • Madison Manor: 27795 Dequindre, Madison Heights, MI 48071. $690 to $790. Dozens of features and amenities.

  • Royal Oak Towers: 20800 Wyoming, Ferndale, MI 48220. $599 to $742. Pets welcomed and utilities are free.
  • The Village of Royal Oak Senior Living: 3442 Devon Road, Royal Oak, MI 48073. $745 to $1,200. Two pets permitted.

Zillow.com Real Estate Sales

  • For Birmingham during August 2017, a consistent 250 homes were listed in a range of $147,700 to $495,000,000. Median price ranged from $650,000 to $750,000. Sperling's Best Places listed the median price at $429,000.

Birminingham is in the 10th best area for Thanksgiving celebrations, according to a survey conducted by Sperling's Best Places; and, 11th best place for senior living and healthy retirement.

Downtown Walkable Shopping District

show route and directions
A markerBirmingham Shopping District -
151 Martin St, Birmingham, MI 48009, USA
get directions

B markerShain Park, 270 W. Merrill St., Birmingham MI -
270 W Merrill St, Birmingham, MI 48009, USA
get directions

C markerMichigan Sports Hall of Fame -
370 W Maple Rd, Birmingham, MI 48009, USA
get directions

Convenient Transportation

Smart Ride: Fix route buses, shuttles, connector curb-to-curb rides by reservation, ADA fixed routes and curb-to-curb service, and the Community Partnership Program discounted rides for Seniors (donation optional). www.smartbus.org

Birmingham NEXT: Daytime ride program for Senior Citizens. www.birminghamnext.org/

Passenger Trains: Amtrak at the Troy Transit Center, seven east of Birmingham at 1201 Doyle Drive; Troy, Michigan 48084. SmartBuses travel through this center as well.

Airports: Located in Troy and Detroit.

show route and directions
A markerBirmingham MI City Hall -
Birmingham, MI, USA
get directions

B markerTroy Transit Center,1201 Doyle Drive; Troy, Michigan 48084 -
1201 Doyle Dr, Troy, MI 48084, USA
get directions

C markerBirmingham, Michigan Airport -
Oakland Troy Airport, 2672 Industrial Row Dr, Troy, MI 48084, USA
get directions

Unique Attractions in Birmingham ("Bham" to locals)

  • Birmingham/Woodward Dream Cruise: A cruise-in of antique and classic cars up Woodward Avenue for miles from Downtown Detroit is divided among many Michigan cities. Altogether, this is the world's largest cruise-in event, part of it held in the Birmingham Shopping District during mid-August annually.

Birmingham Cruise-In, 2007.
Birmingham Cruise-In, 2007. | Source
  • Birmingham in Stitches. Calling all knitters and crocheters! Participate in the "Birmingham in Stitches" public art yarn bombing project. www.bhamgov.org/BhamInStitches
  • Birmingham Shopping District: Surrounding 151 Martin Street, Birmingham, MI 48009. This area contains over 300 retailers, along with a farmers market, a Winter Market, celebration of Small Business Saturday, dozens of American and ethnic bistros, restaurants and cafes, movie houses, theaters, and more. You will even find a Pizza Hut, but no McDonald's.
  • Bistro Joe's at 34244 Woodward Avenue. This establishment provides a restaurant on the ground floor and a food and wine market upstairs (see the video below).

  • City Parking: Find parking spaces via a smartphone APP.
  • Concerts: Separate summer evening concerts weekly for adults in Booth Park and Teens in Shain Park.
  • Historic Greenwood Cemetery Tours: Every spring and autumn.
  • Ice Show: Held annually in mid-May with a unique theme each year.
  • Restaurant Week: Held annually during the third week of August.
  • Shain Park Summer Oldies Concerts: Thursdays during summer months.
  • Village Fair and Carnival: Annually in the first week of June.

Click thumbnail to view full-size
Cranbrook Gardens near Birmingham, Michigan.The Party Bus along Woodward Avenue during an August Dream Cruise-In.U.S. Marine Corps Gunnery Sgt. Dominic Freda, cruises down Woodward Avenue with his family in 2014.
Cranbrook Gardens near Birmingham, Michigan.
Cranbrook Gardens near Birmingham, Michigan. | Source
The Party Bus along Woodward Avenue during an August Dream Cruise-In.
The Party Bus along Woodward Avenue during an August Dream Cruise-In. | Source
U.S. Marine Corps Gunnery Sgt. Dominic Freda, cruises down Woodward Avenue with his family in 2014.
U.S. Marine Corps Gunnery Sgt. Dominic Freda, cruises down Woodward Avenue with his family in 2014. | Source

Wealthy Northern Suburb of Detroit

Even though Michigan has been though to be an economically disadvantaged Birmingham offers the highest range of retirement rents in independent living complexes, but also a range of affordable rentals for active senior citizens. Just about seven miles to the south in Royal Oak, living is even more affordable, with another set of attractions and amenities to enjoy, including a downtown area that is easy to walk.

In 2016 - 2017, Birmingham was home to 20,800 residents and over 300 retail businesses in its own downtown district, all just 20 miles from Detroit along I-75 and Woodward Avenue.

If you are considering moving to Birmingham for retirement, you might also consider Royal Oak. It is one of my favorite cities in North America.

Sources

  • After55 Independent Living. www.after55.com/senior-housing/mi/metro-detroit/royal-oak Retrieved August 30, 2017.
  • Apartments.com/Birmingham. Retrieved August 26, 2017.
  • Birmingham Chamber of Commerce. www.greaterbirminghamchambers.com Retrieved August 28, 2017.

  • SeniorHomes.com. Retrieved August 26, 2017.
  • Sperling's at www.bestplaces.com. Retrieved August 27, 2017.

© 2017 Patty Inglish

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    • Patty Inglish, MS profile image
      Author

      Patty Inglish 7 days ago from North America

      Hi Dianna - Many parts of Michigan are very pleasant and beautiful. My favorites are Mid-Michigan near Lake Huron, the Lansing Area, Royal Oak and Mackinaw City. Thanks for reading and commenting!

    • teaches12345 profile image

      Dianna Mendez 7 days ago

      Michigan seems like a wonderful place to retire. Great article on retirement opportunities.

    • Patty Inglish, MS profile image
      Author

      Patty Inglish 13 days ago from North America

      Mike - That's probably right; some local offices try to bully applicants into waiting.

    • mckbirdbks profile image

      mckbirdbks 13 days ago from Emerald Wells, Just off the crossroads,Texas

      I am no expert on SS rules. I think you can begin to receive payments, on your lifelong inputed investment, at age 62.5 years old.

    • Patty Inglish, MS profile image
      Author

      Patty Inglish 13 days ago from North America

      Thank you all for responding with useful comments! Royal Oak was one of the first places I visited as a child and have always remembered it. It would be so easy to move their to be close to Birmingham, but not B's higher rents.

      @mckbirdbks - SS still expects me to wait until age 70 to draw SSR, but right now, I think I shall always have to work - just like the times before FDR's programs, when my grandfather had to work to his dying day, age 89 or 90.

    • mckbirdbks profile image

      mckbirdbks 2 weeks ago from Emerald Wells, Just off the crossroads,Texas

      Hello Patty - I see you are letting your imagination run wild, thinking about retirement. Americans as a rule, are not prepared for retirement. Those rental cost are so outrageous for those of us on S.S. For those that do not have their primary residence paid for they will face tough times.

      It is fun to imagine a nice retirement.

    • MsDora profile image

      Dora Isaac Weithers 2 weeks ago from The Caribbean

      Thanks for such valuable information. I've driven through Birmingham, Michigan and could try to imagine what the other cities look like. I guess that I didn't work hard enough to deserve such luxury, but I've got plenty to enjoy and be grateful for. Interesting article!

    • profile image

      Peggy Woods 2 weeks ago

      A person must take a look at many factors when deciding whether to relocate and retire in an area of which they are unfamiliar. You illustrated this perfectly.

    • MizBejabbers profile image

      MizBejabbers 2 weeks ago

      Nice article, but this area is too cold and expensive for this Southern gal. This type of survey is usually aimed at the urban corporate retiree who didn't lose his or her 401k in the recession of 2008. As far as the rest of us go, they are priced out of our range. I retired last month, and I guess we will just stay in our leaky underground house because it's paid for.

      If we were going to look at retirement communities, we would look at a couple in my state, Hot Springs Village and those near the Fayetteville-Bentonville area, which are two more affordable options. The Four Corners area near Fayetteville is rapidly becoming a big attraction for Northerners with lesser pocketbooks. The climate is ideal for those who want a more moderate climate, and the Walton Family's Crystal Bridges Museum is a nice attraction for newcomers to the area.

    • Shyron E Shenko profile image

      Shyron E Shenko 3 weeks ago from Texas

      This was really interesting, we will stay where we are I guess.

      We are retired here in Texas.

      Blessings always my friend.

    • Say Yes To Life profile image

      Yoleen Lucas 3 weeks ago from Big Island of Hawaii

      A retirement community in Oakland, CA??? You could never leave your house - and not just because of the high rents!

    • Angel Guzman profile image

      Angel Guzman 3 weeks ago from Joliet, Illinois

      Birmingham looks fun! I would love to visit one day and explore the state of Michigan. Since you did mention Evanston it is one of the best communities in all of Illinois. It is the next town over north of Chicago along Lake Michigan. It has a very walkable downtown and it's rail train service is run by the Chicago Transit Authority. You can easily go to Chicago if you wish and I believe Evanston has like 5-6 stops on the purple line rail line. Beaches along lake too!