Aerial view of Charleston, South Carolina. (Photo by David on Pixabay)
Retirement is a time for new beginnings, a chance to explore interests, pursue passions, and simply savor life’s finer things. But with so many options across the country, choosing the best place to retire in the U.S. can be overwhelming. Fear not, future retiree! This guide will navigate you through the top seven contenders, highlighting their unique charms and guiding you toward your ideal retirement haven.
How to choose where to retire:
Many states and communities offer benefits for retirees, but if you can find somewhere with the whole package, that is ideal. Here are some of the things that you will want to consider when choosing where to move:
- Climate: Are you drawn to balmy sunshine or crisp mountain air? Do you crave the thrill of changing seasons or the stability of consistent weather?
- Cost of living: Housing, healthcare, and general expenses vary dramatically across the country. Determine your budget and prioritize locations that offer affordability without compromising your desired lifestyle.
- Healthcare: Access to quality healthcare is crucial in your golden years. Research the healthcare systems in your prospective locations, paying particular attention to the availability of specialists and senior-focused care.
- Taxes: Tax rates can significantly impact your retirement income. Explore states with favorable tax policies for retirees.
- Activities and amenities: Do you crave outdoor adventures, a vibrant arts scene, or a slower pace of life? Consider your recreational preferences and ensure your chosen location offers activities that align with your interests.
- Community: Finding a welcoming community is essential for a fulfilling retirement. Research the demographics and social scene of your potential locations to ensure you find a place where you feel connected. Studies by The Centre for Better Ageing have found that social connections are just as important as money and health for a good later life.
- Consider your personality: When planning your retirement spending, a new study suggests you might come up with something more realistic if you set aside the life expectancy calculators for a few moments and take a personality quiz.
Once you’ve identified your priorities, prepare to be swept away by the diverse array of the top seven best places to retire in the U.S. according to experts. From sun-drenched beaches and bustling cities to charming mountain towns and quiet rural havens, there’s a perfect fit for every dream. Did we miss your favorite spot? Let us know in the comments.
The List: Best Places to Retire in the U.S., According to Experts
1. Tampa, Florida
When you think of a place to retire, Florida often comes to mind. So it’s no surprise that a spot in the Sunshine State is at the top of our list. “Tampa, Florida was ranked the best retirement city, based on a combination of affordability, activities, quality of life and health care,” reports The Hill.
“Residents of the Tampa Bay area enjoy both a laid-back beach lifestyle and the amenities of a large metropolitan area, including professional sports teams, museums, and an array of entertainment and dining options,” describes U.S. News. “The Tampa Bay metro area is a sprawling and diverse region that encompasses three cities – Tampa, St. Petersburg and Clearwater – each with a distinct personality. Living in the Tampa Bay area is like being on vacation all year.”
Condé Nast Traveler notes that “Tampa (and its surrounding suburbs) is the perfect hub for people looking for an active life post-retirement. The city itself has plenty of housing options, a buzzing Riverwalk, and one of the best airports in the country. It also makes a great jumping-off point for exploring other great beach towns in the state. Foodies should also take note, as Tampa is known for its restaurants—Rooster & the Till (run by a James Beard semi-finalist) and La Segunda (beloved for its Cuban sandwiches) are two stand-outs.” As you can see, there are plenty of reasons why Tampa is number one on our experts’ list of best places to retire in the U.S.
More Expert-Recommended Lists For Florida:
2. Lancaster, Pennsylvania
Many people hear the name Lancaster, Pennsylvania, and think of it as just being Amish Country. But this city has tons more for you to experience. Space Wise explains,”with the combination of small-town charm and accessible amenities like Lancaster General Health, Lancaster consistently ranks as one of the best places to retire—and for good reason! This small Pennsylvania city offers residents one of the lowest sales taxes in the country and no state taxes on retirement benefits—which include Social Security, 401(k)s, and IRAs. Lancaster offers several things to do for seniors, including Central Market Place, America’s oldest, continuously-running farmers market.”
According to Country Living, “the extra low cost of living is one of the main reasons why you should consider retiring in Lancaster. It’s also close to major cities such as Philadelphia, New York, Baltimore, and more without all the hustle and stress.”
“If you like variety, Lancaster is a dream town for retirement,” says Ramsey Solutions. “It bundles farmland, suburbs and a lively downtown area all into one. You can also visit the Amish communities where folks get around on horse and buggy and live without public electricity. Don’t worry, social butterflies, the downtown area features monthly arts and music festivals. Lancaster also has a winter mountain resort, hiking trails, corn mazes, tractor pulls and even a notable dog park.”
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3. Naples, Florida
Another popular place to retire in sunny Florida is Naples. Niche claims that it “is one of the best places to live in Florida. Living in Naples offers residents an urban feel and most residents own their homes.”
“Naples, Florida is an ideal place to relax and enjoy your retirement years thanks to its warm, sunny weather, beautiful beaches, and an abundance of activities,” says Retire Better Now. “The city has 80 championship golf courses, 130 tennis courts, and miles of scenic beaches for swimming, sunbathing, and water sports. Naples also has plenty to offer when it comes to culture and entertainment. The city has a vibrant cultural environment with world-class museums, galleries, and upmarket shopping and restaurants.”
“One of the advantages of living in The Sunshine State is residents get to enjoy tax exemption on income and inheritance taxes. [In Naples], You can also rest assured that you’ll be well-taken care of at world-class medical facilities like NCH Healthcare and Physicians Regional,” notes Space Wise.
4. Ann Arbor, Michigan
Do you prefer experiencing all four seasons? Ann Arbor is next on our list of the top seven best places to retire, and it might just suit your fancy. “The change in seasons allow for year-round outdoor activities, like mountain biking, kayaking, ice skating and snowshoeing,” explains Ramsey Solutions. If those activities seem a little vigorous for your taste, there is still plenty to do to experience all four seasons.
“Ann Arbor is a city of contrasts,” notes U.S. News. “It is at once rural and urban, sporty and smart, outdoorsy and high-tech, counterculture and high society. It is best known as the home of the University of Michigan, and locals here enjoy all the trappings of a stereotypical Midwestern college town: a charming, historic main street lined with bookstores, gift shops and taverns; a healthy mix of longtime residents and shorter-term passers-through; and plentiful cultural destinations and events. At the same time, its proximity to reenergized Detroit, fast-growing startup scene, international community, spirit of inclusivity and high walkability give ‘Tree Town’ a feel not unlike that of a much larger city.”
The Home Atlas went on to describe Ann Arbor as having “reasonable housing and living costs,” as well as “top-notch healthcare [and is] home to the University of Michigan Health System.” Check into Ann Arbor and see if it meets your specific preferences and needs as you enter into retirement.
MORE: Best Places To Live In Michigan
5. Denver, Colorado
Looking for a mountainous area to spend your retirement years? Consider heading to Denver, Colorado. Located along the beautiful Rocky Mountains, the “city is also plenty large enough to support a thriving cultural scene. It is even well-known for its high-quality nursing homes,” reports Retireable.
“Why should you retire in Denver? Let us count the ways,” comments Condé Nast Traveler. “There’s fresh mountain air and an abundance of outdoor activities. The restaurant scene is surprisingly good. The economy is steady. There are also plenty of high-quality hospitals, an efficient bus system, and a thriving international airport. Are you packing your bags yet?”
“Denver is a city that truly has something for everyone, with a variety of things to do and see,” notes Retire Better Now. “The Mile High City provides endless opportunities for exploration and enjoyment, with everything from beautiful parks and gardens to world-class restaurants and museums. Furthermore, the city’s low cost of living and pleasant weather makes it an excellent choice for retirees looking to settle down. Denver is the ideal place to spend your golden years, whether skiing in the Rockies, exploring historic neighborhoods, or simply relaxing in the sun.”
MORE: Best Places To Live In Colorado
6. Charleston, South Carolina
Look no further than Charleston, South Carolina if you want a southern, coastal city to call your new home. “Charleston’s historical charm, combined with its beautiful beaches and cultural richness, make it a top choice for retirees,” reports The Home Atlas.
“Charleston is filled with historic homes, churches and other buildings. Walking its streets can feel like you’re stepping back in time,” notes Ramsey Solutions. “The city’s Waterfront Park is a great place to take in views of sailboats in Charleston Harbor and Fort Sumter (where the first shots of the Civil War were fired). The Old City Market is the place to shop for crafts from local artisans. And don’t forget the low-country food that’s a staple in South Carolina coastal towns. (Shrimp and grits, anyone?)”
“Not only do you get access to safe, affordable neighborhoods and great beaches when you live in Chucktown, but you’ll also have access to one of the best medical centers in Charleston—MUSC Health – University Medical Center.” Space Wise also points out that “there are no taxes on Social Security benefits in South Carolina, and the state offers some of the lowest property taxes in the country, so retirees can get a bang for their buck. When finding things to do in Charleston, you can explore any of the historical attractions or experience King Street‘s boutiques, art galleries, fine dining, and more.” So, practice speaking with a southern draw or the unique Charlestonian accent and make your way there.
MORE: Best Places To Live In South Carolina
7. Pittsburgh, Pennsylvania
The final location in our expert list is Pittsburgh. “If you’re looking for small-town friendliness paired with the benefits of big-city living, Pittsburgh has both!” says Space Wise. “This cultural city also has tons of art and museums for retirees to explore, like the Carnegie Museum of Art and Andy Warhol Museum.”
Are you a sports fan? This city is for you! “Pittsburghers are known for their devotion to their professional sports teams: the NFL’s Steelers, NHL‘s Penguins and MLB’s Pirates” notes U.S. News.
According to Forbes, Pittsburgh “remains one of the most affordable cities on the East Coast, with an abundance of universities providing cultural and learning opportunities and first-rate medical care.” Sounds like a great place to retire to.
Let us know in the comments which of these places is at the top of your list!
How To Begin Journey Into Retirement
If you’re ready to retire but aren’t sure how to start the exciting process, consider the following checklist to help get you situated:
Financial Planning:
- Review your retirement accounts: Calculate your total retirement savings and projected income. This includes Social Security benefits, pensions, and retirement accounts like 401(k)s and IRAs.
- Create a budget: Estimate your monthly expenses in retirement. Consider housing, food, healthcare,transportation, travel, and leisure activities.
- Plan for healthcare: Research Medicare options and consider supplemental insurance. Estimate future healthcare costs.
- Pay off debt: Reduce or eliminate debt to minimize monthly expenses and improve financial security.
- Tax implications: Understand how your retirement income will be taxed. Consult a financial advisor to optimize tax strategies.
- Estate planning: Update your will, power of attorney, and healthcare directives. Ensure your family understands your wishes.
Lifestyle Planning:
- Define your retirement goals: What do you want to achieve in retirement? Travel, volunteer, pursue hobbies,spend time with family, etc.
- Research housing options: Consider downsizing your home, moving to a different location, or exploring senior living communities.
- Stay active and healthy: Maintain a healthy lifestyle through exercise, nutrition, and preventative care.
- Engage in social activities: Plan activities that bring you joy and connect you with friends and community.
- Learn new skills: Consider pursuing hobbies, volunteering, or taking classes to keep your mind and body active.
Administrative Tasks:
- Apply for Social Security benefits: Start your application three months before your desired retirement date.
- Enroll in Medicare: Apply at least three months before turning 65.
- Update beneficiaries: Review and update beneficiaries on all retirement accounts and insurance policies.
- Notify employers and creditors: Inform them of your retirement date and contact information changes.
- Cancel unnecessary subscriptions: Reduce expenses by eliminating unused subscriptions.
- Organize important documents: Create a safe and accessible location for essential documents like wills,passports, and insurance policies.
Additional Considerations:
- Legal and financial advice: Consult professionals for personalized guidance on estate planning, taxes, and investments.
- Long-term care planning: Research long-term care options and consider insurance or other financial strategies.
- Mental and emotional preparation: Address any anxieties or concerns about retirement. Consider seeking professional help if needed.
Remember: This is a general checklist. Customize it to your specific needs and circumstances. Start planning early and review your plan regularly to ensure a smooth transition into retirement.
You might also be interested in:
- Best Retirement Communities in America
- Best Smartphones for Seniors
- Best Jobs for Seniors
- Best Dog Breeds for Seniors
- Best Cats for Seniors
Sources:
- The Hill
- US News
- Condé Nast Traveler
- Space Wise
- Country Living
- Ramsey Solutions
- Niche
- Retire Better Now
- The Home Atlas
- Retirable
- Forbes
Note: This article was not paid for nor sponsored. StudyFinds is not connected to nor partnered with any of the brands mentioned and receives no compensation for its recommendations.
Ls Porte, IN is an unknown and underutilized germ 90 minutes drive from Chicago with access to first-class health care, including the best hospitals.
Taxes are still low, and infrastructure meets the needs of residents and visitors alike.
You left off a lot of better places than what you posted you really need to get a life
Lancaster and Harrisburg are not anywhere you would want to live. Like many other places, the suburban areas around them are nice, but the cities themselves are unsafe, dirty, and unwelcoming for anything more than a quick dinner trip occasionally.
Ok . .good. at 75 and 10 yrs + into retirement,I think the snowbirds approach has worked well for me,as opposed to choosing one permanent location. I like the wide open spaces in Texas,but it gets Cold. So I opt for winters in Palm springs or Orlando.
I like your thinking! We recently retired and moved from Southern California back to Indianapolis (our birthplace). After 2 Indy winters we became snowbirds buying a condo in a 55+ St. Petersburg, FL community. You can’t beat Florida weather from January to May. After that it’s not that great. Indy to St. Petersburg is drivable and flights are reasonable. Now we just fly because we keep a car there.
100% Agree!
I lived in Harrisburg for 8 years.
Misery index required me to leave.
Lancaster is complete boredom!!
While restaurants and free college classes are all great, these type of articles rarely delve into the more practical issues around aging. Grocery delivery? Paratransit? House cleaning? In-home help? Stair-free housing? Or assisted living complexes? Wheelchair or walker accessible trails, parks and businesses?
How about MRYTLE BEACH,SOUTH CAROLINA, AND HILTON HEAD SOUTH CAROLINA. MARIE VECA YONKERS NY
Both great suggestions. I live in Bluffton. Very good medical care, shopping, and weather.
Georgetown SC, is very peaceful and quiet although may bore some people. I’m in Florence SC and I love it so come on down. Enough to do and very affordable
The comments are funny that people would actually consider these cities.
Boomers are terrifying. I want to live where they are not. I need that list.
Consider living outside the country.Many Genxyz’ers will fit in well in North Korea, China, Venezuela, and other thought control states, as their philosophies are comparable.
Don’t lump Generation X in with these freaks
Why would I want to live in a large lefty city? More left wing propaganda.
The only big city on this list is Orlando and it references the nearby Villages, one of the most Trumpian cities in the country filled with backward, racist fake Christians. But please do stay where you’re comfortable, among redneck bigots and science deniers.
Lmao. Another leftist snowflake bigot triggered by an article about retirement living options. You people are difficult to get away from.
Another great American in Fantasy land. Fact or Fiction.
I’m 67, single, own 120 acre farm, need a partner someone to enjoy what time remains. Other than that, living in a country setting trumps most everything. Peace and quite are priceless in a country that believes it’s ok to disturb others with booming cars with extremely loud mufflers even in the country.
I agree Russ!
Hi Russ,
I agree!
Susan
I live in Hendersonville and people living in Asheville are moving to Hendersonville. People that work in Asheville can’t afford to live there. It’s the most expensive city in NC.
Why the HELL O would you put Orlando on this list??? Tourist city, tourist prices, backward thinking governor (let’s go back to the past thinking) I’ll say I’m gay and happy when and where I want to, did I mention tourists… People going to Disney World complain about congestion/traffic.
You’re out of touch if you think Asheville is an affordable retirement city. Housing costs are sky high thanks to the promotion of it as being a great place to retire ????
That is so true they’re really out of touch
All the cities and states mentioned are bad with high cost of living, bad weather and cold in the winter and unfriendly people.
I am in total agreement. Anyone with suggestions as to where to look?
It would appear that very few of the cities mentioned have protections for the LGBTQIA populations that are looking for an inclusive retirement.
STOP with the LGBTQIA! Do you need to be segregated from the rest of the world?
No just accepted!
I agree with Fred. Keep your sex life to yourself.
And we all know that the world revolves around the 5-7 % LGBTQXYZ community because they are very special and need special treatment and special places for their special lifestyles.
those %’s are on the high side. It’s fashionable to be queer these days because colleges have brainwashed many into believing they are, but no more than 2% in total
Have any of you been to Asheville? Housing costs are some of the highest in North Carolina!! It is wonderful but unless your a millionaire or above, retirement there is not possible.
Bill I have been there and have family who retired there and they are far from millionaires.
I have been, and I thought it was wonderful, but I have to agree.
Any place that qualifies as a “city” is no longer a decent place to live by definition. Stick with towns.
Orlando and Disney, NFWay for me
I would avoid these places entirely.
Orlando? … you have to be nuts.
All lib crapholes
Yep, you nearly ripped the words right outta my mouth.
Exactly what I was thinking, too.
Orlando is a right wing extremist state run by a fascist autocratic governor. He loved the vaccine until he didn’t.
THIS☝️☝️!!!! Villages are trumpville! Hell to the NOOOOOO!
Your priorities for retirement are no where near mine. I want entertainment but not what you envision.
I know more and more people want to live in cities but I don’t and I am not alone. Most retirees have lived in big cities and want to get away and live in a safe peaceful place.
A shooting range hurts nothing.
Well said – I’m in agreement.
Amen
I retired to the Midwest and am from a fairly big city, namely Nashville, TN. Where I live now is essentially a tiny dot on the map in a flyover state. Population of roughly 3,100. Ain’t squat for entertainment and although I’d like a few of the things from back home, I wouldn’t trade anything I have now for that. I was hoping one of these on the list would be similar, but as it stands, unless certain states start seceding, I’m staying put. Otherwise, maybe somewhere in Texas.
These surveys are all the same, in almost all cases they push leftist hellholes. Most everyone I’ve talked to have no desire to live in a city much less a cold, crowded high crime and high tax one.
Give me 5 acres, a small house and barn, a few small animals and I’m in heaven.?
To each their own sir and speak for yourself you dumba@$ redneck. Why did you turn it into something that is either left wing or right wing? This comment is also coming from a person who has most likely never been to any of the said locations. I have, and have worked in one of them, and met tons of retiree’s in that city. If that’s where they want to retire and it’s not a barn and farm animals, then so what!?
It’s quite clear you have been to any of the mentioned locations. Good day.