I Am Retired

The ability to enjoy a higher quality of life at a lower cost compared to a large urban centre is attractive to many demographics and it is no surprise that St. Thomas-Elgin has long been a popular retirement destination for these reasons. Whether you currently live abroad or in another part of Canada, your currency will go further in our lakeside towns, rural villages and even in the city of St. Thomas than you ever thought possible. Here are some factors to consider:

Beautiful Surroundings

Nature is all around us in St. Thomas-Elgin. We work hard to maintain the region's natural beauty and constantly create new ways for residents to enjoy themselves outdoors. Whatever type of environment you crave, there are natural features to suit your needs including:

  • Affordable lakeside living in Port Glasgow, Port Stanley, Port Bruce and Port Burwell
  • Historic villages with iconic buildings, such as Aylmer, Sparta and Dutton-Dunwich
  • Open space and pasture for hobby farms and private developments
  • Cycling and walking trails throughout St. Thomas and Elgin County

Relaxed Lifestyle

There are numerous opportunities for retired newcomers to get involved in the community as valued volunteers, board members, and service leaders with local charitable organizations and faith-based communities. If you want to continue using your education or professional skills to support local initiatives, you are most welcomed!

Retirement may also provide the opportunity to try something you have never done before. There are numerous community theatres, choirs, and hobby groups that teach and share skills, such as photography, cooking, and table games, to beginners and experts alike. Details and opportunities are listed in the Elgin Free and Low Cost Activity Guide.

Lower Cost of Living

If you are on a fixed budget in retirement, you will benefit from the lower cost of living in St. Thomas-Elgin, helping make your dollars stretch further.

  • Housing – Average monthly rent and average home prices are significantly lower in St. Thomas-Elgin compared to major cities in Canada
  • Property tax - Due to lower home prices, you may also pay less in property tax
  • Fresh, local food – Some of Canada’s best agricultural land and fishing is in Elgin, making it easy to purchase fresh products directly from farmers at reasonable prices
  • Public transportation – Monthly transit passes and advance purchase tickets are less expensive than comparable major cities

Like other newcomers to St. Thomas-Elgin, you may have questions about housing, healthcare and services available. See the Explore the Area and Resources & Links for more information.

Home Ownership & Renting

If you would like to purchase or rent a home independently, you will find spacious, quality homes ranging from new construction to historic, character properties. The affordability of homeownership in this region compared to large, urban centres enables you to maintain your standard of living and desired square footage on a reduced income. You can also consider purchasing land in the city or country to build a custom home to your specifications. In contrast, some retirees prefer renting an apartment or house as the set cost per month and reduced maintenance and repair costs provide stability for fixed budgets.

Take a look at our Housing resource page, London St. Thomas Association of Realtors and St. Thomas & Elgin Home Builders’ Association for more real estate market information.


Elgin County
City of St.Thomas
YW St.Thomas
Province of Ontario