Brainerd is one of the 12 Best Places To Retire In Minnesota according to Atlas

In the heart of central Minnesota, Brainerd offers a relaxed pace of life surrounded by lakes, forests, and a strong sense of community. Founded in the 1870s as a railroad town, it has evolved into a popular place for retirees seeking both natural beauty and affordability. The average home value is about $300,600, comfortably below the state average, and the Economic Research Institute (ERI) estimates that Brainerd’s overall living costs are roughly 16% lower than the national average. The city provides excellent medical access through Essentia Health-St. Joseph’s Medical Center is a full-service hospital offering cardiology, orthopedics, and rehabilitation programs geared toward older adults.

Brainerd gives retirees a mix of recreation and relaxation. The Paul Bunyan State Trail runs through town, offering 120 miles of paved paths for walking, biking, or cross-country skiing. The nearby Northland Arboretum features wildflower gardens and guided nature walks, while nearby Gull Lake draws anglers and boaters throughout the year. Downtown Brainerd adds small-town flavor with its local cafés, art galleries, and community events that keep residents connected. One of the best is Knotty Pine Bakery, a local scratch-made, small-batch bakery with great coffee and delicious pastries.