When considering a city to settle in after retirement in the U.S., cost of living, healthcare access, climate, and community environment are key criteria.

Springfield, MO is recognized as a competitive option among Midwestern cities based on these four criteria. Various retirement-related media and research organizations include Springfield in their lists of "affordable retirement cities." In fact, as of 2023-2024, Springfield's cost of living index is about 84-88% of the national average, making it significantly cheaper compared to major metropolitan areas.

In terms of housing costs, Springfield offers attractive conditions for retirees. As of 2024, the median home price in Springfield is around $200,000 to $250,000, which is relatively low compared to similar-sized cities in the Southeast or West. There are adult-only communities (55+ communities) and independent living facilities located throughout the city, and the monthly rent for senior apartments is also lower than the national average. Missouri has started to completely exempt state income tax on Social Security income from 2024, and there are tax deduction benefits for retirement income, providing a favorable tax environment for retirees living on fixed incomes.

Healthcare access is one of Springfield's greatest advantages. The two major hospital systems, CoxHealth and Mercy Springfield, are located within the city, and they offer all the necessary specialized care for seniors, including geriatrics, cardiology, and orthopedics. For seniors with mobility challenges, public transportation options include bus routes operated by City Utilities Transit (CU Transit) and demand-response transportation services (paratransit service), and both CoxHealth and Mercy are expanding telehealth services for elderly patients. For senior activities, the Springfield Senior Center and several community centers are available, making it easy to participate in social activities and health programs.

The cultural and recreational environment also directly impacts the quality of retirement life. Springfield is located near the Ozark Mountains, providing many opportunities for outdoor activities such as hiking, fishing, golfing, and boating. The city features cultural facilities like the Springfield Symphony Orchestra, Springfield Art Museum, Discovery Center, and the Missouri State University Performing Arts Center, offering a variety of hobbies. While there are summer heat and winter cold, the climate is not extreme, and the distinct seasonal changes in the Ozarks make it suitable for retirees who enjoy natural scenery. For the Korean senior community, there are Korean churches and cultural organizations in Springfield, providing support in terms of language and culture.