Housing costs here run about 25% below the national average, which means your retirement dollars stretch further. Helena-West HelenaThe Delta Dirt Distillery sign hints at Helena-West Helena’s entrepreneurial spirit amid historic buildings and affordable living. Healthcare services cost about 20% less than the national average, a significant saving for retirees. Healthcare services cost about 25% less than the national average, a major benefit for seniors. El Dorado’s historic buildings maintain their character while offering some of Arkansas’ most affordable housing options.