Where Should You Retire? The 16 Best U.S. Cities to Consider
Retirement is a big and exciting step, but deciding where to live can be tough. You want a place that matches your way of life, fits your budget, and meets your health needs, right?
As retirement gets closer, this choice becomes even more important. Choosing the wrong place might cost too much or make it hard to get the healthcare you need. That’s something no one wants to face.
Over 10,000 Americans retire every day, so you’re not alone in figuring this out. There are key things to consider, like taxes and the healthcare available nearby.
In this article, we’ll guide you to the best retirement cities in each state, focusing on what counts most: cost, healthcare, weather, and lifestyle. By the end, you’ll feel ready to start this new chapter with confidence.
What do you think? Do you have specific cities or states in mind? Let us know in the comments!
Virginia Beach, Virginia
Virginia Beach provides retirees with a relaxed coastal lifestyle at a more affordable cost compared to many other beach towns. With homes averaging around $370,000, it’s a budget-friendly option, especially given its miles of sandy beaches and plenty of outdoor activities.
The local community is friendly, making it easy for retirees to connect through events, farmers markets, or volunteer groups. While summer months can get busy with tourists, retirees can still find quieter spots along the coast for peaceful walks or local gatherings throughout the year.
Virginia Beach is also a great choice for retirees due to its access to quality healthcare facilities. The city’s low crime rate, 27% below the national average, adds an extra sense of safety and comfort for those enjoying their retirement by the sea.
Orlando, Florida
Orlando isn’t just for tourists and Disney-goers. It’s a hidden gem for retirees! They wake up to sunshine and spend their afternoons exploring the local parks or enjoying low-impact community fitness classes.
Orlando’s cost of living is relatively low, with a median home price of about $380,000, making it an affordable option for many retirees. In addition to the natural beauty, the city offers a rich arts scene, numerous senior-friendly activities, and a booming healthcare industry.
The abundance of hospitals and health care providers makes it an ideal choice for those looking for great care options as they age. While Orlando boasts a low cost of living and excellent healthcare options, its humid climate can be tough to adjust to, especially for those unaccustomed to Florida’s heat.
Nevertheless, there are still plenty of indoor activities, air-conditioned spaces, and easy access to nature wherein retirees can still enjoy an active lifestyle without being at the mercy of the weather.
Fort Collins, Colorado
Fort Collins combines the best of both worlds for retirees. You’ll be able to access nature and a lively downtown area. Known for its breweries, restaurants, and cultural events, Fort Collins offers an engaging atmosphere for retirees who love staying busy and active.
Retirees can enjoy everything from hiking trails and river walks to arts festivals and farmers markets. The city’s proximity to the Rocky Mountains means outdoor activities are always available.
With a median home price around $490,000, it’s a bit more expensive, but the lifestyle is worth it if you value an active and engaging retirement.
Fort Collins also boasts an impressive range of cultural events, with over 200 festivals held annually, ensuring that there’s always something exciting happening.
San Antonio, Texas
San Antonio is a great choice for retirees seeking an affordable and culturally vibrant city. The median home price is around $300,000, and the city’s blend of historic landmarks, rich Mexican heritage, and friendly atmosphere makes it an attractive destination for retirees.
The River Walk provides a beautiful and relaxing setting for walks, dining, or boat tours, while the city’s numerous festivals and events keep retirees active and involved.
While San Antonio offers affordability and charm, the hot and humid summers can be challenging for those who are heat-sensitive. However, the low cost of living and strong community spirit make it a top retirement city in Texas.
San Antonio also features a well-developed network of senior services and community centers, enhancing the overall quality of life for retirees.
Phoenix, Arizona
Phoenix is a top choice for retirees who want a mix of urban amenities and outdoor activities. The city offers a variety of restaurants, shopping, and cultural attractions, as well as plenty of hiking and golfing opportunities.
The cost of living is still reasonable compared to many other cities, with a median home price around $510,000. Phoenix is a fantastic place for retirees who love warm weather and outdoor activities, but the scorching summers can be overwhelming, especially for those unaccustomed to desert heat.
The good news is that Phoenix offers plenty of indoor options for staying active and entertained, along with stunning natural surroundings to explore during the cooler months.
St. Petersburg, Florida
For retirees who prefer a quieter pace, St. Petersburg offers the perfect mix of tranquility and enrichment. Located along the peaceful Tampa Bay, this city has a charming art scene and access to peaceful waterfront parks.
The cost of living is more affordable than Miami, and the community is tight-knit and welcoming. St. Petersburg’s median home price is around $400,000, making it a great choice for retirees who want to stay active and engaged in a less hectic environment.
In addition to its affordability, St. Petersburg is known for its beautiful weather, with an average annual temperature of 73°F, perfect for outdoor activities year-round. The local farmer’s markets, art walks, and live performances offer a peaceful yet stimulating lifestyle.
But it does have its downsides, including occasional flooding and the risk of hurricanes due to its coastal location. Fortunately, the city has strong community preparedness plans in place, which makes it a peaceful and an enriching place to call home.
Grand Junction, Colorado
For retirees seeking the beauty of Colorado without the high costs of cities like Denver, Grand Junction is an excellent choice. You can hike and bike often, taking in the stunning scenery while enjoying an affordable lifestyle.
With a median home price of about $350,000, Grand Junction is more budget-friendly than many other Colorado cities. Its location near national parks, such as the Colorado National Monument, provides plenty of outdoor activities.
While it may lack some big-city features like large shopping centers or major hospitals, the incredible mountain views and outdoor recreation more than make up for it. Activities like fishing, hiking, and birdwatching are easily accessible, making it ideal for those who love nature.
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Boise, Idaho
Boise is the perfect mix of city and nature, offering retirees a vibrant downtown area alongside easy access to hiking trails, parks, and rivers. The city’s thriving arts scene and restaurants give it a cultural edge, making it a great spot for retirees who want to stay active and engaged.
The cost of living is still reasonable, with median home prices around $480,000, and the community is welcoming and family-friendly. Retirees can enjoy a variety of outdoor activities like kayaking and biking while taking advantage of the city’s affordable healthcare options.
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Richmond, Virginia
If you’re a history buff or simply love arts and culture, Richmond should be on your list. With its museums, theaters, and historical landmarks, Richmond offers retirees a rich cultural life.
Plus, the cost of living here is more affordable than coastal cities, with a median home price around $320,000. Richmond’s rich cultural history and affordability come with a trade-off: the summers can be hot and humid, which may not be ideal for everyone.
Thankfully, the city’s charming historical sites, lively arts scene, and walkable neighborhoods offer plenty of ways to stay cool and entertained during the hotter months.
Richmond also has a vibrant cultural scene with over 30 annual events, including music festivals and art exhibitions, ensuring that retirees have a range of activities to enjoy.
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Wilmington, Delaware
For retirees looking for city amenities without the high costs, Wilmington is a great option. The median home price here is about $300,000, making it a budget-friendly choice for those who enjoy city life.
Wilmington’s downtown area is full of art galleries, shops, and easy access to healthcare. The state’s tax benefits also help retirees keep more of their savings.
While it’s smaller than big cities, which means fewer entertainment and dining options, its tight-knit community, charming downtown, and nearby healthcare facilities make it a practical and appealing choice for retirees who want both affordability and convenience.
Casper, Wyoming
Casper is ideal for retirees who enjoy fishing, hiking, or simply soaking in the beautiful Wyoming scenery. The median home price is under $300,000, making it one of the more affordable cities in the state.
Retirees can explore the North Platte River for fishing or take hikes along Casper Mountain, making it easy to stay active. The small-town vibe and affordable living make Casper a fantastic retirement destination for those who enjoy peace and quiet with plenty of outdoor adventure.
Casper’s wide-open spaces and outdoor activities are perfect for nature lovers, but the cold winters can be tough for retirees who prefer warmer climates. Despite the chilly weather, the affordability of Casper, combined with its strong sense of community and stunning outdoor landscapes, makes it a rewarding place to retire for those who enjoy adventure.
Miami, Florida
If you thrive in a more bustling environment, Miami may be the perfect retirement destination for you. Yes, the cost of living is higher compared to other cities, plus around $580,000 for a median home, but it’s worth it if you want to experience vibrant city life, world-class cultural activities, and some of the best beaches in the country.
Miami is a melting pot of cultures, offering retirees an exciting and diverse place to live. Enjoy everything from art galleries and theaters to beach strolls and Cuban cuisine.
The city is also home to over 100 senior centers and organizations, providing ample opportunities for social engagement and community involvement.
Laramie, Wyoming
Laramie is a small, charming town with a unique retirement experience, thanks to its proximity to the University of Wyoming. Retirees can attend cultural events and educational programs offered by the university, making it a great spot for lifelong learners.
The town has a friendly, welcoming atmosphere, and the cost of living is low, with a median home price under $350,000. Retirees in Laramie can enjoy a peaceful, engaging lifestyle while staying connected to a larger community through university events and activities.
Laramie’s small-town charm may also mean fewer amenities and cultural events compared to larger cities. But don’t worry, the cultural offerings include more than 100 annual events and educational programs, providing continuous learning and enrichment opportunities for retirees.
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Coeur d’Alene, Idaho
If you’re dreaming of lakeside living, Coeur d’Alene is the ideal retirement spot. Nestled by the beautiful Lake Coeur d’Alene, this city offers retirees a peaceful yet engaged community. With plenty of hiking, boating, and outdoor activities, it’s perfect for nature lovers.
The median home price is around $550,000, but the stunning views and outdoor lifestyle make it well worth the investment. The city’s relaxed pace and strong sense of community make it a great place for retirees looking for a peaceful, scenic environment.
Coeur d’Alene also boasts a low crime rate and a high level of community engagement, with over 30 local clubs and organizations for retirees to join.
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Austin, Texas
Austin is a lively city famous for its music and culture, making it a great place for retirees who enjoy staying active. With many live music spots, art galleries, and festivals, there’s always something happening in Austin.
Living costs are higher, with homes averaging about $550,000, but the city’s attractions make it a good choice for retirees who love arts and culture. Outdoor enthusiasts can kayak on Lady Bird Lake or hike in the nearby Hill Country.
Austin’s calendar is full of events, with over 200 festivals and activities each year, giving retirees plenty of ways to stay entertained and connected.
Sedona, Arizona
Sedona’s stunning red rock formations and thriving art community make it a picturesque and enriching place to retire. Retirees who love nature and art will find plenty of inspiration in Sedona, from the local galleries to the breathtaking scenery.
The cost of living is quite high, with median home prices around $940,000, but the town’s beauty and community-focused lifestyle make it worth the investment. You can enjoy hiking, photography, and even art shows. Sedona offers a peaceful and fulfilling retirement.
Sedona’s artistic and cultural scene is robust, with over 50 galleries and annual art festivals, providing retirees with endless creative and cultural experiences.
Your Perfect Retirement Spot
Choosing the best city for retirement is a very personal decision. It depends on things like cost, healthcare, and the kind of lifestyle you want.
Take your time to visit a few cities that catch your eye. Check out what they offer and think about what’s most important for your retirement years.
Your ideal retirement home is out there. With the right city, you’ll get to enjoy all the perks of this exciting new stage in life. Happy planning for your retirement!
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