10-27-2013, 01:26 PM
Location: Springfield, Illinois
29 posts, read
110,220 times
Reputation: 43
Since I will be 50 years old soon I have started thinking about where I and my husband might want to live after I retire. That's at least 15 years away, but it's not too soon to start looking at possibilities.
We currently live in the city of Springfield IL and while there is much we like about it, both of us were born and raised in rural areas or small towns downstate and we would like to return to that kind of lifestyle if we can.
A lot of people like to move far away to warmer/lower tax places like Florida, Texas, Arizona, etc. but I don't think that's really feasible for us. Just making trips to those areas to investigate places to live, possible part-time/supplemental employment, etc. would be too expensive and time consuming for us, plus, we have no relatives or friends living in these places.
With that in mind, I'm limiting our initial search to places within about a 250-mile radius of SPI, and preferably south of I-80. That covers most of downstate IL, the southern half of IA, all or almost all of IN and MO, and a slice of western KY. We could easily explore this area via short day trips or weekend trips that would cost us just one night in a motel plus a couple of tanks of gas.
Some of the criteria we would be looking for include:
1. Small plots of land (1-3 acres is all we would need, just enough for a garden and maybe a shed or garage for tinkering around in) that are affordable both in terms of purchase price and in real estate taxes.
2. Good soil and ground water supplies.
3. Reasonable, but not excessive, regulations/laws regarding what you can and cannot do with your property.
4. Far enough away from major metro areas that a) it's not likely to be overrun by future development and b) it might provide at least some protection in the event of a SHTF event making urban/suburban areas unsafe to live in. That said...
5. ... we'd also like to be within 50-100 miles of a full service hospital in case of illness or emergency, and being within the same distance to a 2- or 4-year college or university to take advantage of continuing education opportunities, cultural events, etc. would be a plus.
6. Reasonably friendly environment for newcomers. Though we are country people at heart, respect the rural independent lifestyle, and are pretty conservative socially and politically, we're not exactly hard core rednecks, for lack of a better way to put it.
7. Low cost of living overall.
8. Access to outdoor recreational opportunities (state parks, fishing, hunting, boating, etc.)
I know we're not likely to find absolutely everything in one place but mainly I'm just looking for some suggestions of areas to explore. I will be posting this message on some other forums as well. Thanks!
10-28-2013, 03:07 AM
Location: Not where you ever lived
11,535 posts, read
30,104,201 times
Reputation: 6422
The good news is you can go 50 mile N of Spfld on 97N and find most of what you want in Mason County. It borders the Illinois River; you can find a boat launch and marina. Land is sandy loam. Decent small hospital with life flight to Spfld or Pia. County is over an aquifer; all you need is a sand point well. The only IL state park is not too far from US 136/IL29. Mason and Fulton counties are home to the largest inland wetland wildlife refuge in America; 12-13,000 acres to fish, boat and hunt in season. There is 2 year colleges nearby, otherwise look at Normal(1), Peoria (3), Eureka(1), McComb(1), Bloomington(1), and Spfld(?). There are a total of 14 hospitals within the 50 -100 miles in 7 counties: Peoria(5), Woodford(1), Tazewell(1), Mason (1), Fulton(1), McLean(2), and Sangamon(3) counties. IL 97, IL 78, IL 29, US 136, US 24 either enters Mason County or is a feeder route into Mason County. There are 7 bridges that cross the IL river. Peoria (4), Pekin (2), and Havana (1). The next bridge south is at Beardstown.
I've lived in large towns and small for many years in many states. This is my experience.
1. Most city folks don't want to live in the middle of cornfields.
2. County zoning laws are not nearly as restrictive, but you still have state laws that prohibit burning anything but is not what nature gives ya in Illinois.
3. Most rural area are conservative.
4. County seats have the best internet which isn't very fast. It slows as you move farther out of the county seat. It is true everywhere.
5. County real estate taxes are cheaper than city taxes. Some county taxes are cheaper than others.
6. When you reach a specific age the taxes are reduced for age and other qualifiers. It is income based.
7. Rural towns are isolated and 10-20 miles apart. Most of the county emergency services are located in county seats. The farther you are from the county seat the longer it takes for emergency service to arrive. It is especially true in deep snow covered ice.
8. In terms of weather, the federal, and state highways are cleared first, followed by city, county, and township. If you hide in the middle of the county you may consider a F 350 with a 4x4 and plow. It will make money when it snows. Your nearest neighbor may be 5 miles away. You may not have utilities.
9. Most rural towns in IL are very small. People are suspicious of strangers. If you shop local (it is expensive), bank local, attend church local, and get involved it is much easier.
0. Utility are expensive. The only way to keep utilities down is to insulate your house well.
1. IL does not tax pension or SS yet.
2. IL has a flat tax; others do not.
3. IL has terrific services for seniors. others may have some or none. .
4. IL has pretty good medical care from top to bottom; not all states do.
5. IL has pretty good health standards; not all states do. #4 and #5 only matters in a major medical crisis. You don't really don't understand this until you are faced with doctors who should not be licensed and the filthy hospital.
I played the medical games for 20 years before we returned to Illinois for excellent end-of-life palliative care and to get away from the hospital owned clinics. Lincare in Spfld helped me build a hospice at home.
Living rural in Illinois is not bad at all. Sometimes it is annoying to realize you will drive 25 miles for Aldi's and 50 for Shnucks or Costco or shopping centers. If you like to shop Peoria has couple of malls and a dozen shopping centers and a 100 restaurants.
10-31-2013, 10:12 AM
Location: Central Midwest
3,401 posts, read
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Reputation: 13740
Land in Mason County, IL is going at prime rate these days, as the same for several surrounding counties. I have been to some land auctions in this area, and have seen the land go for up to $14,000 per acre.
And real estate taxes in Central Illinois are very high at this time.
Illinois sky high property taxes 2nd-highest in nation
Here are a couple of article links relative to land cost. In one,in 2011, land sold for over $11,000 in Mason County and it is even higher these days. I would recommend a county which has less valuable land costs. Most surrounding counties are just as high or even higher.
Illinois farmland tops $11,000 per acre | Business content from Farm Industry News
Mason County sale will gauge 2012 farmland prices - Peoria, IL - pjstar.com
10-31-2013, 02:13 PM
Location: Hawaii-Puna District
3,752 posts, read
11,454,353 times
Reputation: 2481
You really need to balance where you live in retirement, with what possible medical issues you may have. That being said, staying relatively close to Springfield should be in your top considerations. I really like Chatham and the surrounding areas to the South of Springfield.
10-31-2013, 02:28 PM
1,128 posts, read
2,006,290 times
Reputation: 873
I would look at Indiana
10-31-2013, 04:08 PM
Location: Not where you ever lived
11,535 posts, read
30,104,201 times
Reputation: 6422
Here is recent farm land sales in Mason and Fulton counties. Yes IL taxes are obnoxious but not nearly as expensive as in Cook County. IL Seniors do get a break in taxes if they meet income requirements.
Mason County:
Hunting Ground Listings
Fulton, Knox, Marshall, Cass counties:
Illinois Real Estate Properties, Residential Properties, Agricultural Properties, Commercial Properties - Gorsuch-Hensley Real Estate & Auction
Producing farm land is sold differently; it's commercial, buildings are sold separately. Rural county property is normally a house and lot. Plated subdivision may offer 3-4 acre lots but building is restricted; it's generally residential with no commercial operations, hen houses, etc., allowed. Where the property is in a county determines many things including cost. .
As a whole I think you will find Mason County property and taxes in the Illinois River Valley (Stark, Marshall, Woodford, Peoria, Tazewell, Fulton and Mason counties) is as attractive as any in this area. The counties of Brown, Knox, Logan, Menard, and McLean adjoin the valley counties.
Land quality varies from county to county. Mason has is sandy black loam mix that offers a good growing medium. As far as living I like the black soil in Logan around the Lincoln area and the same around Eureka in Woodford County. In counties it is not all that unusual to find a house/garage on 3/4 to a full acre (roughly 200x200 sq. ft.) under $100,000 depending upon the county. If you are thinking about growing to sell, Peoria has a very nice permanent farmer's market in the Metro Centre on University 2 stoplights north of War Memorial Drive (US 150).
11-02-2013, 07:21 PM
Location: Springfield, Illinois
29 posts, read
110,220 times
Reputation: 43
I should probably clarify that I'm not looking for prime farmland, just a piece of ground that could grow some vegetables, fruits and herbs -- enough for us to eat and can and maybe sell at a local stand or farmer's market to supplement our income (it would NOT be our main source of income). By "good water supply" I mean that it is not exceptionally difficult to dig a well and that wells don't easily run dry.
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Mortgage status - with mortgage (%)
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Housing units in structures - 50 or more (%)
Housing units in structures - Mobile home (%)
Housing units in structures - Boat, RV, van, etc. (%)
House/condo owner moved in on average (years ago)
Renter moved in on average (years ago)
Year householder moved into unit - Moved in 1999 to March 2000 (%)
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Means of transportation to work - Drove car alone (%)
Means of transportation to work - Carpooled (%)
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Working at home (%)
Industry diversity
Most Common Industries - Agriculture, forestry, fishing and hunting, and mining (%)
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People in Group quarters - Institutionalized population (%)
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People in Group quarters - Hospitals/wards, hospices, and schools for the handicapped (%)
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People in Group quarters - Hospices or homes for chronically ill (%)
People in Group quarters - Military hospitals or wards for chronically ill (%)
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People in Group quarters - Hospitals or wards for drug/alcohol abuse (%)
People in Group quarters - Mental (Psychiatric) hospitals or wards (%)
People in Group quarters - Schools, hospitals, or wards for the mentally retarded (%)
People in Group quarters - Schools, hospitals, or wards for the physically handicapped (%)
People in Group quarters - Institutions for the deaf (%)
People in Group quarters - Institutions for the blind (%)
People in Group quarters - Orthopedic wards and institutions for the physically handicapped (%)
People in Group quarters - Wards in general hospitals for patients who have no usual home elsewhere (%)
People in Group quarters - Wards in military hospitals for patients who have no usual home elsewhere (%)
People in Group quarters - Juvenile institutions (%)
People in Group quarters - Long-term care (%)
People in Group quarters - Homes for abused, dependent, and neglected children (%)
People in Group quarters - Residential treatment centers for emotionally disturbed children (%)
People in Group quarters - Training schools for juvenile delinquents (%)
People in Group quarters - Short-term care, detention or diagnostic centers for delinquent children (%)
People in Group quarters - Type of juvenile institution unknown (%)
People in Group quarters - Noninstitutionalized population (%)
People in Group quarters - College dormitories (includes college quarters off campus) (%)
People in Group quarters - Military quarters (%)
People in Group quarters - On base (%)
People in Group quarters - Barracks, unaccompanied personnel housing (UPH), (Enlisted/Officer), ;and similar group living quarters for military personnel (%)
People in Group quarters - Transient quarters for temporary residents (%)
People in Group quarters - Military ships (%)
People in Group quarters - Group homes (%)
People in Group quarters - Homes or halfway houses for drug/alcohol abuse (%)
People in Group quarters - Homes for the mentally ill (%)
People in Group quarters - Homes for the mentally retarded (%)
People in Group quarters - Homes for the physically handicapped (%)
People in Group quarters - Other group homes (%)
People in Group quarters - Religious group quarters (%)
People in Group quarters - Dormitories (%)
People in Group quarters - Agriculture workers' dormitories on farms (%)
People in Group quarters - Job Corps and vocational training facilities (%)
People in Group quarters - Other workers' dormitories (%)
People in Group quarters - Crews of maritime vessels (%)
People in Group quarters - Other nonhousehold living situations (%)
People in Group quarters - Other noninstitutional group quarters (%)
Residents speaking English at home (%)
Residents speaking English at home - Born in the United States (%)
Residents speaking English at home - Native, born elsewhere (%)
Residents speaking English at home - Foreign born (%)
Residents speaking Spanish at home (%)
Residents speaking Spanish at home - Born in the United States (%)
Residents speaking Spanish at home - Native, born elsewhere (%)
Residents speaking Spanish at home - Foreign born (%)
Residents speaking other language at home (%)
Residents speaking other language at home - Born in the United States (%)
Residents speaking other language at home - Native, born elsewhere (%)
Residents speaking other language at home - Foreign born (%)
Class of Workers - Employee of private company (%)
Class of Workers - Self-employed in own incorporated business (%)
Class of Workers - Private not-for-profit wage and salary workers (%)
Class of Workers - Local government workers (%)
Class of Workers - State government workers (%)
Class of Workers - Federal government workers (%)
Class of Workers - Self-employed workers in own not incorporated business and Unpaid family workers (%)
House heating fuel used in houses and condos - Utility gas (%)
House heating fuel used in houses and condos - Bottled, tank, or LP gas (%)
House heating fuel used in houses and condos - Electricity (%)
House heating fuel used in houses and condos - Fuel oil, kerosene, etc. (%)
House heating fuel used in houses and condos - Coal or coke (%)
House heating fuel used in houses and condos - Wood (%)
House heating fuel used in houses and condos - Solar energy (%)
House heating fuel used in houses and condos - Other fuel (%)
House heating fuel used in houses and condos - No fuel used (%)
House heating fuel used in apartments - Utility gas (%)
House heating fuel used in apartments - Bottled, tank, or LP gas (%)
House heating fuel used in apartments - Electricity (%)
House heating fuel used in apartments - Fuel oil, kerosene, etc. (%)
House heating fuel used in apartments - Coal or coke (%)
House heating fuel used in apartments - Wood (%)
House heating fuel used in apartments - Solar energy (%)
House heating fuel used in apartments - Other fuel (%)
House heating fuel used in apartments - No fuel used (%)
Armed forces status - In Armed Forces (%)
Armed forces status - Civilian (%)
Armed forces status - Civilian - Veteran (%)
Armed forces status - Civilian - Nonveteran (%)
Fatal accidents locations in years 2005-2021
Fatal accidents locations in 2005
Fatal accidents locations in 2006
Fatal accidents locations in 2007
Fatal accidents locations in 2008
Fatal accidents locations in 2009
Fatal accidents locations in 2010
Fatal accidents locations in 2011
Fatal accidents locations in 2012
Fatal accidents locations in 2013
Fatal accidents locations in 2014
Fatal accidents locations in 2015
Fatal accidents locations in 2016
Fatal accidents locations in 2017
Fatal accidents locations in 2018
Fatal accidents locations in 2019
Fatal accidents locations in 2020
Fatal accidents locations in 2021
Alcohol use - People drinking some alcohol every month (%)
Alcohol use - People not drinking at all (%)
Alcohol use - Average days/month drinking alcohol
Alcohol use - Average drinks/week
Alcohol use - Average days/year people drink much
Audiometry - Average condition of hearing (%)
Audiometry - People that can hear a whisper from across a quiet room (%)
Audiometry - People that can hear normal voice from across a quiet room (%)
Audiometry - Ears ringing, roaring, buzzing (%)
Audiometry - Had a job exposure to loud noise (%)
Audiometry - Had off-work exposure to loud noise (%)
Blood Pressure & Cholesterol - Has high blood pressure (%)
Blood Pressure & Cholesterol - Checking blood pressure at home (%)
Blood Pressure & Cholesterol - Frequently checking blood cholesterol (%)
Blood Pressure & Cholesterol - Has high cholesterol level (%)
Consumer Behavior - Money monthly spent on food at supermarket/grocery store
Consumer Behavior - Money monthly spent on food at other stores
Consumer Behavior - Money monthly spent on eating out
Consumer Behavior - Money monthly spent on carryout/delivered foods
Consumer Behavior - Income spent on food at supermarket/grocery store (%)
Consumer Behavior - Income spent on food at other stores (%)
Consumer Behavior - Income spent on eating out (%)
Consumer Behavior - Income spent on carryout/delivered foods (%)
Current Health Status - General health condition (%)
Current Health Status - Blood donors (%)
Current Health Status - Has blood ever tested for HIV virus (%)
Current Health Status - Left-handed people (%)
Dermatology - People using sunscreen (%)
Diabetes - Diabetics (%)
Diabetes - Had a blood test for high blood sugar (%)
Diabetes - People taking insulin (%)
Diet Behavior & Nutrition - Diet health (%)
Diet Behavior & Nutrition - Milk product consumption (# of products/month)
Diet Behavior & Nutrition - Meals not home prepared (#/week)
Diet Behavior & Nutrition - Meals from fast food or pizza place (#/week)
Diet Behavior & Nutrition - Ready-to-eat foods (#/month)
Diet Behavior & Nutrition - Frozen meals/pizza (#/month)
Drug Use - People that ever used marijuana or hashish (%)
Drug Use - Ever used hard drugs (%)
Drug Use - Ever used any form of cocaine (%)
Drug Use - Ever used heroin (%)
Drug Use - Ever used methamphetamine (%)
Health Insurance - People covered by health insurance (%)
Kidney Conditions-Urology - Avg. # of times urinating at night
Medical Conditions - People with asthma (%)
Medical Conditions - People with anemia (%)
Medical Conditions - People with psoriasis (%)
Medical Conditions - People with overweight (%)
Medical Conditions - Elderly people having difficulties in thinking or remembering (%)
Medical Conditions - People who ever received blood transfusion (%)
Medical Conditions - People having trouble seeing even with glass/contacts (%)
Medical Conditions - People with arthritis (%)
Medical Conditions - People with gout (%)
Medical Conditions - People with congestive heart failure (%)
Medical Conditions - People with coronary heart disease (%)
Medical Conditions - People with angina pectoris (%)
Medical Conditions - People who ever had heart attack (%)
Medical Conditions - People who ever had stroke (%)
Medical Conditions - People with emphysema (%)
Medical Conditions - People with thyroid problem (%)
Medical Conditions - People with chronic bronchitis (%)
Medical Conditions - People with any liver condition (%)
Medical Conditions - People who ever had cancer or malignancy (%)
Mental Health - People who have little interest in doing things (%)
Mental Health - People feeling down, depressed, or hopeless (%)
Mental Health - People who have trouble sleeping or sleeping too much (%)
Mental Health - People feeling tired or having little energy (%)
Mental Health - People with poor appetite or overeating (%)
Mental Health - People feeling bad about themself (%)
Mental Health - People who have trouble concentrating on things (%)
Mental Health - People moving or speaking slowly or too fast (%)
Mental Health - People having thoughts they would be better off dead (%)
Oral Health - Average years since last visit a dentist
Oral Health - People embarrassed because of mouth (%)
Oral Health - People with gum disease (%)
Oral Health - General health of teeth and gums (%)
Oral Health - Average days a week using dental floss/device
Oral Health - Average days a week using mouthwash for dental problem
Oral Health - Average number of teeth
Pesticide Use - Households using pesticides to control insects (%)
Pesticide Use - Households using pesticides to kill weeds (%)
Physical Activity - People doing vigorous-intensity work activities (%)
Physical Activity - People doing moderate-intensity work activities (%)
Physical Activity - People walking or bicycling (%)
Physical Activity - People doing vigorous-intensity recreational activities (%)
Physical Activity - People doing moderate-intensity recreational activities (%)
Physical Activity - Average hours a day doing sedentary activities
Physical Activity - Average hours a day watching TV or videos
Physical Activity - Average hours a day using computer
Physical Functioning - People having limitations keeping them from working (%)
Physical Functioning - People limited in amount of work they can do (%)
Physical Functioning - People that need special equipment to walk (%)
Physical Functioning - People experiencing confusion/memory problems (%)
Physical Functioning - People requiring special healthcare equipment (%)
Prescription Medications - Average number of prescription medicines taking
Preventive Aspirin Use - Adults 40+ taking low-dose aspirin (%)
Reproductive Health - Vaginal deliveries (%)
Reproductive Health - Cesarean deliveries (%)
Reproductive Health - Deliveries resulted in a live birth (%)
Reproductive Health - Pregnancies resulted in a delivery (%)
Reproductive Health - Women breastfeeding newborns (%)
Reproductive Health - Women that had a hysterectomy (%)
Reproductive Health - Women that had both ovaries removed (%)
Reproductive Health - Women that have ever taken birth control pills (%)
Reproductive Health - Women taking birth control pills (%)
Reproductive Health - Women that have ever used Depo-Provera or injectables (%)
Reproductive Health - Women that have ever used female hormones (%)
Sexual Behavior - People 18+ that ever had sex (vaginal, anal, or oral) (%)
Sexual Behavior - Males 18+ that ever had vaginal sex with a woman (%)
Sexual Behavior - Males 18+ that ever performed oral sex on a woman (%)
Sexual Behavior - Males 18+ that ever had anal sex with a woman (%)
Sexual Behavior - Males 18+ that ever had any sex with a man (%)
Sexual Behavior - Females 18+ that ever had vaginal sex with a man (%)
Sexual Behavior - Females 18+ that ever performed oral sex on a man (%)
Sexual Behavior - Females 18+ that ever had anal sex with a man (%)
Sexual Behavior - Females 18+ that ever had any kind of sex with a woman (%)
Sexual Behavior - Average age people first had sex
Sexual Behavior - Average number of female sex partners in lifetime (males 18+)
Sexual Behavior - Average number of female vaginal sex partners in lifetime (males 18+)
Sexual Behavior - Average age people first performed oral sex on a woman (18+)
Sexual Behavior - Average number of woman performed oral sex on in lifetime (18+)
Sexual Behavior - Average number of male sex partners in lifetime (males 18+)
Sexual Behavior - Average number of male anal sex partners in lifetime (males 18+)
Sexual Behavior - Average age people first performed oral sex on a man (18+)
Sexual Behavior - Average number of male oral sex partners in lifetime (18+)
Sexual Behavior - People using protection when performing oral sex (%)
Sexual Behavior - Average number of times people have vaginal or anal sex a year
Sexual Behavior - People having sex without condom (%)
Sexual Behavior - Average number of male sex partners in lifetime (females 18+)
Sexual Behavior - Average number of male vaginal sex partners in lifetime (females 18+)
Sexual Behavior - Average number of female sex partners in lifetime (females 18+)
Sexual Behavior - Circumcised males 18+ (%)
Sleep Disorders - Average hours sleeping at night
Sleep Disorders - People that has trouble sleeping (%)
Smoking-Cigarette Use - People smoking cigarettes (%)
Taste & Smell - People 40+ having problems with smell (%)
Taste & Smell - People 40+ having problems with taste (%)
Taste & Smell - People 40+ that ever had wisdom teeth removed (%)
Taste & Smell - People 40+ that ever had tonsils teeth removed (%)
Taste & Smell - People 40+ that ever had a loss of consciousness because of a head injury (%)
Taste & Smell - People 40+ that ever had a broken nose or other serious injury to face or skull (%)
Taste & Smell - People 40+ that ever had two or more sinus infections (%)
Weight - Average height (inches)
Weight - Average weight (pounds)
Weight - Average BMI
Weight - People that are obese (%)
Weight - People that ever were obese (%)
Weight - People trying to lose weight (%)