Peterson Sorenson
Retirement should feel relaxed, not rushed by high living costs or limited choices. While many cities promise affordability, few deliver comfort, too. Some places manage to blend both without forcing major trade-offs. So, let’s explore 20 U.S. cities where retirees can enjoy stability, access to essentials, and a quality of life that actually supports aging well.
San Antonio, Texas
Home to the historic Alamo, San Antonio has also become a top choice for retirees—and for good reason. The U.S. Census Bureau reports that housing in San Antonio is more affordable than in many other Texas cities. Plus, Texas’s lack of a state income tax offers additional financial relief for those on fixed incomes. Retirees can enjoy quality healthcare close to home, thanks to nearby top-rated hospitals.
Orlando, Florida
Orlando is widely regarded as the theme park capital of the world, with major attractions like Walt Disney World and Universal Studios. Great healthcare, cheap housing, and no state income tax make this city a great place to retire. Priced at a median of $416,796, properties here are more affordable than in similar Florida areas.
Phoenix, Arizona
Phoenix, Arizona holds the title of the sunniest city in the U.S., enjoying around 300 sunny days each year. This warm, dry climate is a major draw for retirees. According to Forbes, the city also offers affordable housing, with a median home price of $252,000—about 38% below the national average. Access to healthcare is strong as well, with approximately 2.58 primary care doctors available per 1,000 residents, making it easier for retirees to get the care they need.
Austin, Texas
Compared to other retirement destinations, Austin stands out for its financial advantages and healthcare quality. The median home price is $578,348, which is higher than the national median but lower than many coastal cities. It has one of the fastest-growing populations of seniors, with a population that grew by almost 65% between 2010 and 2020.
Tampa, Florida
If you want a city with a strong economy and affordable homes, Tampa is a great option. Retirees often choose this city due to its growing tech sector and diverse job market that supports local economic stability. According to Realtors.com, the cost of houses is reasonable, with a median listing price of $480,000.
Charlotte, North Carolina
As a major financial hub, Charlotte, North Carolina, ranks second in total banking assets, just behind New York City. The city is also known for its excellent healthcare, with highly rated facilities like Carolinas Medical Center and Novant Health offering top-quality services. What makes Charlotte even more appealing is its affordability—living here costs only 2.5% more than the national average.
Atlanta, Georgia
The city is a key chapter in civil rights history and the site of the Martin Luther King Jr. National Historical Park. Here, the median home price sits around $379,900, and Georgia’s tax policies include retiree-friendly exemptions that help stretch retirement income. Major medical centers like Emory University Hospital ensure access to high-quality healthcare.
Miami, Florida
Miami has the largest cruise port in the world, known as PortMiami. It attracts retirees with its unique blend of culture, beaches, and economic opportunities. The median housing price of $450,000 reflects the vibrant real estate market. Plus, the absence of state income tax means your retirement income goes further in savings and lifestyle.
Houston, Texas
Home to NASA’s Johnson Space Center, Houston is the hub for human spaceflight operations. The climate remains warm year-round, with mild winters. Houston’s healthcare is anchored by the Texas Medical Center, home to several top hospitals. At roughly $330,000, median home prices are considered affordable for a metro this size without state income tax.
Philadelphia, Pennsylvania
Philadelphia, a city steeped in history as the birthplace of American independence, continues to thrive as a vibrant urban hub. Beyond its historic significance, it offers excellent healthcare with renowned institutions like Penn Presbyterian and Jefferson Health. With a cost of living only 1.2% above the national average, it provides a more affordable alternative to many larger East Coast cities.
Las Vegas, Nevada
For retirees seeking strong financial perks, reliable healthcare, and plenty of entertainment, Las Vegas could be the ideal spot. Nevada’s no-income tax policy helps retirees keep more of their savings. The city’s healthcare system has grown in recent years, now offering specialized senior care and expanded medical services.
Jacksonville, Florida
Jacksonville is the largest city by land area in the contiguous United States, with beautiful beaches, scenic parks, and a thriving arts scene. Its public transit system, which includes buses and river taxis, makes getting around convenient. The city also offers top-tier healthcare facilities, including the Mayo Clinic Jacksonville and Baptist Health.
Boise, Idaho
Medical facilities like St. Luke’s Health System and Saint Alphonsus Regional Medical Centre are among the best in the city. Parks, museums, and outdoor activities here are great for active seniors. The city has a lower overall cost of living than Portland, Oregon, with housing costs that are 15.4% higher than the national average.
Portland, Oregon
This is a city famous for its eco-friendly urban planning and has more breweries than any other city in the U.S. The median housing cost is around $542,300, higher than the national average but balanced by lifestyle benefits. Oregon’s absence of sales tax helps reduce overall living costs, according to the Tax Foundation.
Minneapolis, Minnesota
Nicknamed the “City of Lakes,” Minneapolis also holds the record for the most bridges in the U.S. It boasts one of the most senior-friendly job markets, with 22% of its workforce aged 65 and older. Ranked the sixth best retirement city, it stands out for its strong healthcare access, affordability, and overall quality of life.
Chicago, Illinois
In 1885, Chicago made history by building the first steel-frame skyscraper. The city’s median home price is $385,000—far more affordable than New York City’s $735,000. It’s also home to world-renowned hospitals, including Northwestern Memorial Hospital and Rush University Medical Center.
Denver, Colorado
Denver, known as the Mile High City, sits exactly one mile above sea level. It’s a great retirement choice for those who love mountains and outdoor activities. The average home price is around $589,500, reflecting the area’s competitive market. Residents enjoy all four seasons, from snowy winters to warm, sunny summers.
San Diego, California
San Diego stands out as a retirement destination thanks to its coastal charm, mild year-round climate, and excellent healthcare. It offers more specialized medical services per person than Los Angeles, making access to care easier, an important factor for aging adults. The city’s walkable neighborhoods and abundance of outdoor activities also contribute to a high quality of life.
Seattle, Washington
Many retirees are drawn to Seattle for its top-tier healthcare and stunning natural surroundings, even with a higher cost of living. The city ranks above Portland in healthcare access, thanks to a greater number of specialized medical facilities per capita. With its waterfront views and active lifestyle options, Seattle remains a top pick for those prioritizing quality of life and easy access to nature.
Richmond, Virginia
Richmond is home to top-tier medical facilities, like VCU Medical Center and Bon Secours-St. Mary’s Hospital. The cost of living is equal to the national average and 7% lower than the rest of Virginia, making it financially attractive for retirees. Plus, the median home price is $258,000, which is significantly lower than many East Coast cities.
