Retirement in an urban area or rural area all depends on the place where you work if you were working in a rural area definitely you will retire in the right area but working in an urban area will also make you retire in an urban area.I am living in rural area and my service is only 3 years but I have decided I will always live in rural area because I would like to enjoy the beauty of nature.
No doubt there is deficiency of education and hospital in rural areas but also the environment is to clean and the security issues are nothing in these areas.