Why is this small town in Pennsylvania considered the best place to retire?

Most people are probably not aware of the ideal small-town American retirement. But with a relatively low average monthly cost of living, low crime rate and other very livable features, Camp Hill in Cumberland County, Pennsylvania, may be America’s best small town for retirees.

This is based on a report by GoBankingRates.com that looked at small towns with populations of 1,000 to 10,000 people for ideal retirement living. In addition to the total number of households and median household income for each city, the researchers obtained data on average rent and cost of living, as well as crime rates and “livability,” taking into account area amenities, housing opportunities, transportation services, and more.

Among the report’s list of the 44 best cities for retirement, Camp Hill received the highest livability rating and overall score. Northville, Michigan, ranked second, with Fort Mitchell, Kentucky third. Freeport, Maine, ranked among the top four best places to retire, scoring high for livability, but with a high monthly cost of living and a high crime rate.

Camp Hill has a population of just over 8,000 people, approximately 3,200 households, and a median income of approximately $105,000, making it one of the more affordable places in the country. Residents there can expect to live on about $3,360 a month, including rent and other expenses, the report found. By comparison, the average monthly cost of living in Kensington, California, a city of 5,300 people, is $8,000.

Other cities had similarly low monthly costs but scored low in the livability category.

Retirement at age 65 is out of reach for most Americans

Camp Hill, two miles from the state capital of Harrisburg, claims a vibrant shopping scene made up of small businesses, most of which are owned by women, according to cumberlandvalley.com. It is also home to the award-winning Cleve J. Fredericksen Library. Weekday farmers markets run from May through October.

To be fair, not all Americans are able to retire as early as expected, and a growing number of workers are still employed past age 65 or struggle to stay employed beyond necessity. About 27% of people are 59 or older Not saving for retirementAccording to a survey by financial services agency Credit Action.

Only 10% of Americans aged 62 to 70 are retired and financially stableLabor economist and retirement expert Theresa Ghilarducci says in her book “Work, Retirement, Repeat: The Uncertainty of Retirement in the New Economy” that the rest are either retired and living less comfortably than before, or they still work to make ends meet.

You can see GoBankingRate.com’s full list of the nation’s 44 best small towns for retirement here.