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Best City to Retire in Every U.S. State

MART PRODUCTION/Pexels, Stevat20/Wikipedia

Are you dreaming of a perfect retirement where every day feels like a vacation? What if we told you that the ideal area to relax during your golden years might just be waiting for you in one of the 50 states? The United States has many retirement destinations that cater to various lifestyles and interests. We’ve provided the best cities—one from each state; check them out! 

Alabama: Birmingham

Eric in SF/Wikipedia

Affordable living and exceptional healthcare facilities characterize Birmingham. Retirees will find an engaging cultural scene and plenty of green spaces like parks and walking trails. The cost of living is 8% lower than the national average, and the city has an extensive bus system. 

Alaska: Anchorage

Will Buckner/Wikipedia

There are stunning natural environments and ample outdoor activities in the city of Anchorage. It’s a top pick for retirees who value adventure. What’s more? It is a relatively safe city and offers accessible healthcare services, making it a comfortable choice for those looking for tranquility and excitement.

Arizona: Scottsdale

Joseph Plotz/Wikipedia

Warm weather and golf courses make this desert city a retirement haven. Upscale amenities and a high quality of life appeal to those looking for both leisure and luxury in their golden years. Public transport is also ideal as there are 3 fare-free fixed routes connecting nine areas. 

Arkansas: Hot Springs

Samuel Grant/Wikipedia

Hot Springs in Arkansas has natural thermal baths and a charming downtown. Retirees move here because of the affordable cost of living and easy access to healthcare. Beautiful national parks enhance its appeal and the cost of living is 24% below the national average. 

California: Sacramento

Wikipedia

Although California as a whole may have a high cost of living, Sacramento stands out for its cost-effective housing options compared to other major U.S. cities. It has a strong healthcare system, good infrastructure, and a vibrant cultural scene, so it’s a practical and appealing choice for retirees.

Colorado: Colorado Springs

David Shankbone/Wikipedia

Mountain views and a mild climate are what attract retirees. Additionally, Colorado Springs has lower housing costs compared to Denver and a slightly higher cost of living than the national average, but it offers a balanced financial profile for retirees. 

Connecticut: Stamford

John9474/Wikipedia

Stamford gives retirees a blend of urban convenience and natural tranquility. With a population of approximately 140,000, it combines city amenities with plenty of green spaces. The city’s expansive area ensures a balanced lifestyle, appealing to those who value both activity and relaxation.

Delaware: Rehoboth Beach

Dough4872/Wikipedia

This coastal town is famous for its boardwalk and friendly atmosphere. AARP labeled Rehoboth Beach the ideal place to retire. Low property taxes and quality healthcare services make it a top pick for retirees who want a relaxed beach lifestyle. The city also has excellent public transport. 

Florida: Sarasota

Wikimedia commons

Sarasota’s nearly 250 sunny days annually provide a perfect climate for outdoor activities. The mild winters, pleasant springs, and warm summers create an inviting environment for retirees. This city may have a higher cost of living, but its public transport and healthcare systems are reliable.  

Georgia: Savannah

Aude/Wikipedia

Savannah is a city in Georgia that has an energetic cultural scene that stands out as a retirement destination. The city was recognized by Forbes as one of the top places to retire in 2023, as it offers a lively atmosphere and numerous attractions to improve the retirement experience.

Hawaii: Honolulu

ArdentArbitration/Wikipedia

Honolulu gives retirees a good city life with diverse neighborhoods and excellent amenities. People can enjoy cultural activities, beautiful beaches, and world-class healthcare. Housing ranges from $475,000 for homes to $2,125 for one-bedroom rentals. 

Idaho: Boise

Jyoni Shuler/Wikipedia

Another great city to retire to is Boise, Idaho. The city has an affordable cost of living—both housing and utilities are notably cheaper than the national average. Moreover, there are many activities and supportive communities. Idaho’s tax policies benefit retirees, including no tax on Social Security benefits.

Illinois: Naperville

Sea Cow/Wikipedia

With a high quality of life, Naperville stands out for retirees seeking active living. The city has many relaxing parks, hiking trails, and recreational opportunities, combined with affordable housing. It also ranks highly for remote work and safety.

Indiana: Carmel

Tysto/Wikipedia

A suburban environment with a focus on quality living makes Carmel stand out. Well-maintained parks, high public security, and strong healthcare services make it ideal for retirees who value a peaceful and well-equipped community. The city also has a rich history that retirees will love. 

Iowa: Iowa City

Billwhittaker/Wikipedia

Iowa City is a destination for retirees looking for affordability without sacrificing quality of life. The median home price is $295,000, which is below the national average, and the cost of living is 10% less than the national norm. Additionally, public transport is reliable, with 13 fixed routes. 

Kansas: Overland Park

City of Overland Park/Wikipedia

This city combines suburban and urban amenities. Overland Park has excellent healthcare facilities and numerous parks. It gives retirees a comfortable lifestyle with easy access to cultural and recreational activities. The area also has an incredible history that attracts the older generation. 

Kentucky: Lexington

Madgeek1450/Wikipedia

Lexington has been ranked as one of the most affordable cities to retire to. Retirees appreciate its charming neighborhoods, strong healthcare system, and beautiful parks, all set against the backdrop of rolling horse farms. Bus services also operate 26 routes, so it’s easy to get around. 

Louisiana: Baton Rouge

Kkmurray/Wikipedia

Southern charm, history dating back to 1812, and tradition are what draw retirees to Baton Rouge. With a low cost of living and quality healthcare, it gives a practical choice for retirees. The relaxing community life and diverse food scene add to its appeal. 

Maine: Portland

Metrodogmedia/Wikipedia

Picturesque harbor views and a thriving arts scene make this city stand out. A low crime rate and high-quality healthcare enhance its attractiveness, providing retirees with a blend of history and coastal beauty.

Maryland: Annapolis

high limitzz/Wikipedia

Many retirees love Annapolis and its old-school maritime aesthetics and scenic waterfront views. With its strong healthcare facilities and vibrant cultural scene, it gives retirees a unique and engaging environment for the best retirement. Although the cost of living is higher, the city runs smoothly. 

Massachusetts: Worcester

Terageorge/Wikipedia

Affordable living and a vibrant cultural scene set this city apart. Retirees benefit from its strong healthcare system and a variety of local amenities, which makes it a great choice for those who want both comfort and community involvement. The city also has an incredible history that retirees love. 

Michigan: Grand Rapids

WMrapids/Wikipedia

Ideal for active retirees who appreciate urban amenities, Grand Rapids features a significant retiree population, with roughly 14% of residents aged 60 and older. So, the public transportation systems are extremely reliable. The city also has a lower cost of living, approximately 9% below the national median. 

Minnesota: Rochester

Wikideas1/Wikipedia

Rochester was named one of the 25 best places to retire by Forbes in 2024. The city appeals to retirees with its excellent healthcare facilities, safety, and diverse senior living options. This area has extensive park systems, and hiking trails that promote an active lifestyle. 

Mississippi: Oxford

Gary Bridgman/Wikipedia

Oxford’s charming Southern atmosphere and low cost of living are highlights for retirees. The city’s rich literary culture, combined with accessible healthcare and a welcoming community, makes it a serene option for those seeking a peaceful retirement.

Missouri: Columbia

Me/Wikipedia

Columbia offers a budget-friendly option for retirees with the cost of living below the national average. Housing is affordable, featuring charming single-family homes to upscale condos catering to various preferences and budgets. 

Montana: Bozeman

Tim Evanson/Wikipedia

Bozeman combines stunning mountain views with a range of outdoor activities. The city’s lower cost of living and strong healthcare system create an attractive option for retirees who value both natural beauty and practical amenities.

Nebraska: Lincoln

Ammodramus/Wikipedia

As Nebraska’s capital, Lincoln provides retirees with a wealth of cultural activities, including museums and dining options. Housing in Lincoln is notably more affordable compared to many other U.S. cities which is an ideal choice for people who live on a strict budget. 

Nevada: Henderson

John Phelan/Wikipedia

The city of Henderson has a warm climate and a range of recreational options. Retirees benefit from the city’s affordable cost of living, strong healthcare, and various cultural and community events that enhance quality of life. Public transportation is also excellent and operates 50 routes. 

New Hampshire: Manchester

John Phelan/Wikimedia commons

Situated near the mountains, this New England city has many outdoor activities, museums, and a lively sports scene. Consistently ranked as a top retirement destination, it stands out for its financial stability, safety, and focus on health and well-being.

New Jersey: Princeton

Dan Komoda/Wikipedia

Princeton combines a prestigious educational environment with a charming town atmosphere. Retirees appreciate its high-quality healthcare, cultural attractions, and deep history, so it’s definitely an appealing choice for those seeking an enriching retirement.

New Mexico: Santa Fe

Asaavedra32/Wikipedia 

Embracing a lifestyle where cuisine and pleasant weather are part of daily life, this city offers an inviting environment for retirees. Despite a cost of living that is about 14% above the national average, certain aspects are more affordable. 

New York: Saratoga Springs

Daniel Case/Wikipedia 

Saratoga Springs City has a welcoming and friendly atmosphere with a low crime rate. Despite its small size, it has an energetic community with plenty of activities and amenities. People that live in the area say there’s always an event happening. 

North Carolina: Asheville

24dupontchevy/Wikipedia 

Ranked highly for both living and retirement by U.S. News and World Report, this city has the best scenery and moderate temperatures. The area is known for its excellent healthcare facilities, which contribute to its strong reputation. 

North Dakota: Fargo

Jonathan Geiger/Wikipedia 

Fargo’s affordable living and strong community spirit are important attractions for retirees. It has a range of recreational activities and reliable healthcare services to provide a comfortable and engaging environment for retirement. Housing expenses are also 17% lower than ideal for retirees on a budget. 

Ohio: Dublin

Sixflashphoto/Wikipedia 

Safety is why some retirees choose Dublin, where crime stats are so much lower than the country’s average. Additionally, there are numerous activities for retirees to take part in, and living in the city is relatively affordable. The city has a history and architecture that dates back to 1881. 

Oklahoma: Edmond

VisitEdmond/Wikipedia 

The city of Edmond is an extremely tax-friendly place. It presents an appealing option for retirees, balancing affordable living costs with attractive surroundings. In Edmond, the blend of safety and a predominantly upper-class setting is appealing. 

Oregon: Eugene

Don Hankins/Wikimedia commons

Eugene is popular for its natural beauty and active lifestyle. The city’s affordable living costs and excellent healthcare services complement this beautiful place, so it’s an attractive option for retirees who value both health and leisure.

Pennsylvania: Lancaster

Randolph Carney/Wikipedia

If you’re looking for a more rural area to retire to, Lancaster might be precisely what you’re looking for. Rated as the top “Best Place to Retire” by U.S. News & World Report, this city has a cost of living that is 4.4% below the national average.

Rhode Island: Providence

Kenneth C. Zirkel/Wikipedia 

Cities like Providence are considered one of the most ideal places to retire in the U.S. because of its cultural attractions and affordable cost of living. It also has a wonderful New England style of living and architectural buildings AND one of the best health care systems.

South Carolina: Charleston

Chris Pruitt/Wikipedia  

Charleston City and its surrounding Lowcountry region stand out as top retirement destinations. Its favorable tax policies enhance its appeal, making it a strong option for retirees, particularly those coming from more costly areas. 

South Dakota: Sioux Falls

Jon Platek/Wikipedia 

As the largest city in its state, this city provides retirees with ample amenities and a low cost of living. Its excellent healthcare system enhances its appeal, while the absence of state income or estate taxes adds a financial advantage.

Tennessee: Knoxville

Bohao Zhao/Wikipedia

Summer temperatures in Knoxville are generally in the 80s and winter highs rarely drop below 45 degrees, so the city provides a comfortable climate for year-round activity. Snowfall is minimal, so it’s easy to stay active throughout the seasons. 

Texas: Austin

Michael/Wikipedia

Austin has an exciting music scene, particularly country music, which is appealing to the older generation. The city provides retirees with excellent healthcare, a diverse cultural environment, and numerous recreational opportunities. 

Utah: Salt Lake City

Invictus323/Wikipedia

Salt Lake City has beautiful mountain views and a range of outdoor activities. Retirees benefit from strong healthcare, high public security, and a friendly and active community, making it an appealing choice for those who enjoy socializing.

Vermont: Burlington

Kenneth C. Zirkel/Wikipedia 

Situated roughly 180 miles northwest of Boston and 75 miles south of Montreal, this city has an appealing environment for retirees. It features a tranquil atmosphere with abundant outdoor activities and scenic drives. There are also 14 non-profit hospitals in the city ideal for retirees. 

Virginia: Charlottesville

Wcedmisten/Wikipedia

This city located in the state of Virginia has relatively low taxes, including exemptions for Social Security benefits and retirement income. Property taxes here are also generally lower compared to neighboring regions. There are also reliable healthcare facilities in the area for sickly retirees. 

Washington: Seattle

Spicypepper999/Wikipedia 

Seattle has a health-conscious lifestyle, with easy access to stunning natural parks, which makes it an appealing choice for retirement. Residents can benefit from excellent healthcare, a rich cultural scene, and proximity to an international airport.

West Virginia: Morgantown

WeaponizingArchitecture/Wikipedia

Morgantown features a small-town atmosphere with the benefits of a university town. Retirees enjoy a low cost of living, access to quality healthcare, and a variety of cultural and outdoor activities, making it the ideal choice for retirement.

Wisconsin: Madison

college.library/Wikipedia

This city stands out as an excellent retirement choice, as it has significant tax benefits on Social Security and property. There are also over 200 miles of trails for walking, biking, and snowshoeing.  Buses are the primary public transport in the area. 

Wyoming: Cheyenne

Smallbones/Wikipedia 

Ranked highly for its tax advantages, Cheyenne gives retirees a manageable, traffic-free environment with beautiful summer weather. As a compact and accessible area, it provides so many opportunities for outdoor activities such as camping and fishing.

Written by Peterson Sorenson

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