This is the best city to retire in Georgia if you’re on a fixed income

For those with fixed incomes, finding a comfortable place to retire without worrying about high costs or an unstable housing market can be especially challenging.

» RELATED: 4 things to know about retiring in Georgia

Thanks to a new analysis from personal finance website GOBankingRates, the search for a worry-free city to retire in for those reliant on funds like Social Security, pensions and inheritance just got a little easier.

To determine the best places to live in each state for fixed-income residents, analysts at the company looked at home value and rent index changes from Zillow and identified the cities that experienced the smallest increases across both factors. The year-over-year changes were based on Zillow’s data as of the end of January 2018.

» RELATED: This Georgia company was named one of the best places to retire from

“These factors were chosen because changes in home values serve as a proxy for measuring the volatility of a housing market, with large increases posing a threat to those living on fixed incomes,” analysts wrote.

A negative change in value means money is being lost due to depreciating house values. But decreasing rental prices are good news for those on a  fixed income.

When it comes to home values, only one city saw a 0 percent year-over-year change in the Zillow Home Value Index: Absecon, New Jersey.

» RELATED: 4 myths about retirement in Georgia

Decatur, Alabama, saw the largest rental prices decline of all cities on the list (more than 4 percent).

The best place to retire in Georgia for those on a fixed income is Columbus, about two hours south of Atlanta.

Here’s more on the city in Muscogee County:

» RELATED: A $200k retirement fund will last 30 years in these countries

In the past, Atlanta has been named among both the best and the worst cities to retire in, depending on your priorities. For those looking for low cost of living and affordable health care, Atlanta's not the best bet. But for retirees seeking adventure, the metro is a great contender.

Athens has also been recognized in the past as one of Georgia's top cities to retire in thanks to its "walkability" potential, average home prices and tax benefits for retirees.

» RELATED: What you need to know about how Social Security's spousal benefits work

Explore the full 2018 GOBankingRates analysis at gobankingrates.com.