Key Takeaways McAllen, Texas, offers a cost of living 21% lower than the national average, with housing costs 41% lower. The city boasts a warm, subtropical climate, mild winters, and numerous outdoor activities, making it ideal for retirees. McAllen provides access to top-notch healthcare, with 20 hospitals within 50 miles and highly ranked facilities nearby. Get personalized, AI-powered answers built on 27+ years of trusted expertise.