Many Americans retiring to Europe gravitate toward the same places: Lisbon, Barcelona, the south of France. But satisfaction surveys often show that smaller, lesser-known towns deliver a better everyday life: fewer tourists, friendlier locals, and more affordability without giving up Europe’s old-world charm.

Here are four underrated towns and small cities where American retirees report high satisfaction and low stress, and where you’re likely to be one of only a handful of Americans in town.

Český Krumlov, Czech Republic

Fairy-tale living in the heart of Bohemia

Why it’s underrated:
This UNESCO World Heritage town looks like a movie set — castle towers, cobblestone lanes, and riverside cafés. While many tourists visit for the day, few stay long enough to see the quiet side: friendly locals, classical concerts in summer, and crisp, peaceful winters.

Cost of Living:
A couple can live comfortably on about $2,000–$2,500 per month, including rent, food, utilities, and local travel. That’s roughly half the cost of living in Prague or major U.S. cities.

Residency Logistics:

• Americans can stay 90 days visa-free within the Schengen Zone.
• For longer stays, the Czech Republic offers long-term residence visas for retirees with proof of income and health insurance.
• Healthcare is affordable and high quality; private insurance is recommended at first.

Bottom line: If you want charm, walkability, and great value — without crowds or big-city stress — Český Krumlov delivers it in spades.

Lecce, Italy

The “Florence of the South,” with fewer crowds and more sunshine

Why it’s underrated:
Set in the heel of Italy’s boot, Lecce blends ornate Baroque architecture with the easy warmth of southern Italy. It’s sunny almost year-round, deeply local, and full of culture — a perfect fit for retirees who want Italian beauty without Florence prices.

Cost of Living:
Expect $2,500–$3,000 per month for a comfortable lifestyle for two. Rent for a one-bedroom in the historic center starts around $800–$1,000, and eating out remains a joyfully affordable ritual.

Residency Logistics:
• Italy offers an Elective Residency Visa, ideal for retirees who can show steady income (typically around €31,000+ per year for couples).
• After five years, you can apply for long-term EU residence.
• Public healthcare is excellent; private supplemental insurance is optional and inexpensive.

Bottom line: Lecce combines Italian beauty, community warmth, and slower living — all without the price tags of Rome or Florence.

Kotor, Montenegro
Dramatic scenery, affordability, and a peaceful pace

Why it’s underrated:
The Bay of Kotor’s mountain-backed waters look like a Norwegian fjord, yet the town remains under the radar. You’ll find medieval stone alleys, seaside cafés, and a calm rhythm that feels years away from big-city living.

Cost of Living:
A couple can live very comfortably on $1,800–$2,200 per month. Groceries, utilities, and rent are all substantially lower than Western Europe.

Residency Logistics:
• Montenegro is not in the EU or Schengen Zone, so Americans can stay 90 days visa-free and then exit/re-enter after a short period — or apply for temporary residence, which is relatively straightforward with proof of income and local lease.
• Healthcare is improving, and many retirees use private clinics or regional hospitals.
• English is increasingly common among younger locals and service providers.

Bottom line: Kotor offers postcard views, Mediterranean weather, and a low cost of living — a rare trifecta for retirees seeking both value and beauty.

Gozo, Malta
Small-island serenity with big advantages for English-speaking retirees

Why it’s underrated:
While Malta gets attention, its sister island Gozo offers peace and quiet. It’s a close-knit, English-speaking community with mild weather, sea breezes, and slow rhythms. You can walk almost anywhere, and ferries to Malta’s main island take just 25 minutes.

Cost of Living:
Expect $2,500–$3,200 per month for a comfortable lifestyle. Rents are lower than on the main island, and local markets and transportation are inexpensive.

Residency Logistics:
• Malta’s Retirement Programme allows non-EU citizens (including Americans) to reside there with proof of stable income and health insurance.
• English is an official language; government offices and healthcare professionals use it daily.
• Healthcare is top-tier and widely praised by foreign retirees.

Bottom line: Gozo offers Mediterranean island life without language barriers, making it one of the easiest transitions in Europe for Americans.

Quick Comparison Snapshot

Location Est. Monthly Budget Residency Ease Language Barrier American Presence
Český Krumlov, Czech $2,000–$2,500 Moderate Medium Very low
Lecce, Italy $2,500–$3,000 Moderate Moderate Low
Kotor, Montenegro $1,800–$2,200 Easy Low to moderate Low
Gozo, Malta $2,500–$3,200 Easy None (English official) Moderate

Final Thoughts

If your dream retirement in Europe means beauty without crowds, comfort without luxury prices, and local life over expat enclaves, these towns are worth exploring.

• For arts and history lovers: Český Krumlov
• For Mediterranean sunshine and cuisine: Lecce
• For dramatic landscapes and affordability: Kotor
• For English-speaking island calm: Gozo

All four share the same secret: Americans who’ve already discovered them report very high satisfaction and a genuine sense of belonging – the real measure of a successful retirement abroad.