First colonized by the Spanish in the early 1700s, San Antonio now has an extensive 11,000-acre park system containing over 68 miles of trails and more than 50 golf courses. Yet housing remains affordable, costing homeowners age 60 and older a median of $1,155 monthly, or $398 if they have paid off their mortgage. Monthly rent for retirees is a median of $660. "In other places in the country, I would have gotten the same retirement money but my dollars go further here," says Lawrence Zepeda, a former U.S. Army Sergeant Major and safety manager who retired in 2007. An added bonus: There is no state income tax in Texas.