25 Best Places To Retire United States

Retirement isn’t an ending — it’s the start of your most joyful chapter yet. In this guide to the Best Places To Retire United States, we’ll explore charming coastal hideaways, vibrant small towns, and peaceful communities that make everyday living feel like vacation. From cheap places to travel in the US to hidden gems perfect for your retirement bucket list, each destination offers inspiration for your unique version of life after retirement. So grab your favorite travel journal, pour a cup of tea, and start dreaming — your next adventure begins right here.

25 Best Places To Retire United States

Choosing where to retire is one of life’s biggest decisions — and it’s about more than sunshine or scenery. The Best Places To Retire United States balance affordability, healthcare, activities, and community. Whether you want coastal peace or mountain charm, these 25 ideas will help you find your next happy place.

1. Naples, Florida

Naples is often ranked among the best places to retire in the United States for its combination of warm weather, low taxes, and high quality of life.
Scene: A clean, walkable Gulf Coast city with miles of beaches and manicured neighborhoods.
Cost of living: About 10–15% above the national average, but Florida has no state income tax, which helps offset housing costs.
Healthcare: Excellent medical facilities, including NCH Baker Hospital and Physicians Regional.
Things to do: Golf, beach walks, volunteering, and arts events.
Why it works: Naples offers reliable sunshine, strong safety ratings, and an active community — ideal for retirees who want comfort without giving up connection.

2. Hilton Head Island, South Carolina

Hilton Head blends small-town charm with resort-style amenities, making it a favorite for life after retirement.
Scene: Peaceful island living surrounded by golf courses, nature trails, and coastal views.
Cost of living: Slightly above average, but homes retain value well. South Carolina taxes Social Security benefits but not military pensions.
Healthcare: Multiple clinics and hospitals, with major facilities nearby in Savannah.
Things to do: Biking, kayaking, pickleball, and beach strolls.
Why it works: It’s safe, scenic, and socially engaging — the perfect mix for retirees who love the outdoors but want easy access to community life.

3. Santa Barbara, California

If your retirement dream includes a mild climate and cultural vibrance, Santa Barbara is a clear standout.
Scene: Oceanfront city between the mountains and Pacific, with a Mediterranean feel.
Cost of living: About 60% above average, but it’s balanced by exceptional weather and amenities. California does tax retirement income.
Healthcare: Strong hospital network, including Cottage Health.
Things to do: Hiking, beaches, art galleries, wine tasting, and volunteering.
Why it works: Ideal for retirees who value safety, culture, and year-round comfort. It’s expensive but offers unmatched quality of life.

4. Asheville, North Carolina

Asheville is one of the top US travel destinations for retirees who love art, music, and mountain scenery.
Scene: A friendly small city with creative energy and access to the Blue Ridge Mountains.
Cost of living: Slightly above the national average, but housing remains more affordable than many coastal areas. North Carolina taxes some retirement income.
Healthcare: High-quality facilities like Mission Health.
Things to do: Hiking, live music, brewery tours, and art fairs.
Why it works: Great weather, manageable costs, and a vibrant community make Asheville perfect for active retirees.

5. Savannah, Georgia

Savannah offers history, walkability, and Southern warmth at an affordable price.
Scene: Tree-lined streets, historic squares, and a laid-back rhythm.
Cost of living: Roughly 10% below the national average. Georgia doesn’t tax Social Security and offers generous retirement income exemptions.
Healthcare: Good access to hospitals like St. Joseph’s and Memorial Health.
Things to do: Festivals, art markets, dining, and waterfront walks.
Why it works: Low costs, rich culture, and mild winters make Savannah one of the best places to retire for affordability and beauty.

6. Scottsdale, Arizona

Scottsdale combines desert beauty with resort-style living and excellent healthcare — a strong choice for retirees seeking sunshine and amenities.
Scene: Clean, modern neighborhoods surrounded by mountain views and palm trees.
Cost of living: Around 15% above the national average. Arizona doesn’t tax Social Security income and has moderate property taxes.
Healthcare: Excellent medical access, including the Mayo Clinic.
Things to do: Golf, desert hikes, art walks, and day trips to Sedona or the Grand Canyon.
Why it works: Scottsdale delivers year-round warmth, vibrant culture, and top healthcare — ideal for retirees who enjoy an active lifestyle and dry weather.

7. Boise, Idaho

Boise consistently ranks among the best places to retire in the United States thanks to its safety, affordability, and outdoor access.
Scene: Friendly and walkable city surrounded by mountains and rivers.
Cost of living: About 4% below the national average; Idaho taxes Social Security benefits but overall costs remain low.
Healthcare: St. Luke’s Regional Medical Center is top-rated in the state.
Things to do: Biking, hiking, fishing, and attending local festivals.
Why it works: Boise blends affordability with small-city charm — ideal for retirees who want clean air, nature, and a strong sense of community.

8. Sarasota, Florida

Sarasota offers the sunshine of Naples at a slightly more affordable cost and with an even livelier arts scene.
Scene: A coastal city filled with theaters, museums, and white-sand beaches.
Cost of living: Around 6% above the national average, but no state income tax in Florida keeps it manageable.
Healthcare: Excellent — Sarasota Memorial Hospital is among the best in the region.
Things to do: Beach yoga, golf, concerts, volunteering, and boating.
Why it works: Sarasota is perfect for retirees who crave sunshine and creativity. Its combination of culture, community, and coastal beauty makes it one of the top places to retire United States.

9. Bend, Oregon

Bend is a small city with a big outdoor spirit, attracting retirees who want to stay active.
Scene: Pine forests, mountain views, and the Deschutes River flowing through town.
Cost of living: About 20% above the national average, though Oregon has no state sales tax.
Healthcare: St. Charles Medical Center provides high-quality local care.
Things to do: Kayaking, hiking, skiing, and attending local food festivals.
Why it works: Bend is a dream for adventurous retirees — peaceful but never boring, with a growing community of active adults who love the outdoors.

10. Lancaster, Pennsylvania

Lancaster offers affordability, charm, and strong community — ideal for retirees who prefer countryside calm with city access.
Scene: Rolling farmland, historic architecture, and close-knit neighborhoods.
Cost of living: Roughly 10% below the national average; Pennsylvania doesn’t tax Social Security or pension income.
Healthcare: High-quality medical services from Penn Medicine Lancaster General.
Things to do: Farmers’ markets, antique shops, and nearby day trips to Philadelphia or Amish country.
Why it works: Lancaster balances small-town comfort with convenience and excellent healthcare, making it one of the best places to retire United States for cost-conscious retirees.

11. Charleston, South Carolina

Charleston blends historic charm with coastal beauty and modern healthcare, making it a standout for life after retirement.
Scene: Cobblestone streets, pastel homes, and waterfront restaurants filled with Southern hospitality.
Cost of living: Around 5% higher than the national average, but property taxes remain low.
Healthcare: Excellent options, including MUSC Health, one of the top hospitals in the Southeast.
Things to do: Walking tours, boating, art galleries, and farm-to-table dining.
Why it works: Charleston offers culture, walkability, and community — ideal for retirees who love history, architecture, and ocean breezes.

12. Fort Myers, Florida

Fort Myers is one of the best places to retire in the United States for affordability and sunshine.
Scene: Laid-back Gulf Coast living with palm trees and white-sand beaches nearby.
Cost of living: Roughly 4% below the national average; Florida’s no state income tax adds even more savings.
Healthcare: Strong network of hospitals, including Lee Health.
Things to do: Golf, shelling on Sanibel Island, pickleball, and exploring downtown’s riverfront.
Why it works: Affordable, sunny, and community-focused — Fort Myers is perfect for retirees who value simplicity and beach-town living.

13. Colorado Springs, Colorado

For retirees who crave mountain air and scenic beauty, Colorado Springs checks every box.
Scene: At the base of Pikes Peak with endless hiking trails and panoramic views.
Cost of living: Slightly above average, but lower than nearby Denver. Colorado doesn’t tax Social Security income.
Healthcare: UCHealth Memorial Hospital and Penrose-St. Francis rank among the state’s best.
Things to do: Hiking, visiting Garden of the Gods, and exploring historic Manitou Springs.
Why it works: Clean air, outdoor adventure, and a relaxed pace — Colorado Springs offers a healthy, nature-centered life after retirement.

14. St. George, Utah

St. George attracts retirees with warm weather, low crime, and access to spectacular national parks.
Scene: Red rock landscapes, golf courses, and quiet residential communities.
Cost of living: About 5% above average, but Utah has relatively low property taxes.
Healthcare: Dixie Regional Medical Center provides strong local care.
Things to do: Golf, hiking in Zion National Park, and attending local art festivals.
Why it works: It’s peaceful yet adventurous — one of the top places to retire United States for retirees who love desert beauty and active living.

15. Portland, Maine

If you prefer mild summers, fresh seafood, and coastal charm, Portland delivers a refreshing twist on retirement life.
Scene: Seaside city with lighthouses, historic buildings, and a vibrant food scene.
Cost of living: About 10% above the national average, but Maine doesn’t tax Social Security income.
Healthcare: Maine Medical Center is ranked highly for senior care.
Things to do: Sailing, farmers’ markets, photography, and day trips to nearby coastal towns.
Why it works: Portland offers small-city comfort, clean air, and ocean views — perfect for retirees looking for authenticity and natural beauty.

16. Knoxville, Tennessee

Knoxville is an affordable, welcoming city surrounded by lakes and mountains — perfect for retirees who love balance.
Scene: A mix of small-town charm and college-town energy with access to the Great Smoky Mountains.
Cost of living: About 15% below the national average; Tennessee has no state income tax.
Healthcare: Top hospitals like the University of Tennessee Medical Center.
Things to do: Boating, hiking, sports events, and exploring local cafés.
Why it works: It’s budget-friendly, beautiful, and social — ideal for retirees who value both peace and connection.

17. Austin, Texas

Austin offers vibrant music, outdoor living, and warm weather year-round.
Scene: A lively, progressive city filled with parks, lakes, and cultural events.
Cost of living: Around 10% higher than the national average, but Texas has no state income tax.
Healthcare: Access to top-rated hospitals, including St. David’s Medical Center.
Things to do: Live music, kayaking on Lady Bird Lake, and exploring Hill Country.
Why it works: Austin is perfect for retirees who want sunshine, creativity, and an active social life in their life after retirement.

18. Greenville, South Carolina

Greenville has quietly become one of the best places to retire in the United States for affordability and walkability.
Scene: A charming downtown with parks, restaurants, and a thriving arts community.
Cost of living: About 10% below the national average; affordable housing and low property taxes.
Healthcare: Prisma Health offers strong local care.
Things to do: Bike along the Swamp Rabbit Trail, visit nearby lakes, and enjoy festivals year-round.
Why it works: Greenville is friendly, affordable, and easy to explore — a great mix of Southern charm and modern living.

19. Prescott, Arizona

Prescott delivers mild weather, mountain views, and a relaxed lifestyle.
Scene: Historic downtown surrounded by pine forests and hiking trails.
Cost of living: About 10% above average; Arizona doesn’t tax Social Security income.
Healthcare: Yavapai Regional Medical Center provides excellent senior care.
Things to do: Hiking, golf, and local art shows.
Why it works: Prescott’s balance of nature, history, and affordability makes it one of the best retirement trips destinations that often turns into a forever home.

20. Traverse City, Michigan

This lakefront city is perfect for retirees who love four seasons and small-town community.
Scene: Scenic Lake Michigan shoreline and cozy downtown cafés.
Cost of living: Roughly equal to the national average, with affordable homes just outside town.
Healthcare: Munson Medical Center serves the region with quality senior care.
Things to do: Wine tasting, boating, festivals, and fall color drives.
Why it works: Traverse City combines affordability with beauty and endless outdoor fun — a gem among places to retire United States.

21. Coeur d’Alene, Idaho

Coeur d’Alene’s breathtaking lake views and low crime rates make it a peaceful haven.
Scene: A lakeside city surrounded by pine forests and mountains.
Cost of living: Around 8% above average; Idaho’s overall affordability balances it out.
Healthcare: Kootenai Health offers modern facilities and strong ratings.
Things to do: Boating, fishing, hiking, and small-town festivals.
Why it works: Safe, clean, and naturally stunning — a great choice for retirees who love scenic serenity and outdoor recreation.

22. Williamsburg, Virginia

Williamsburg offers history, walkability, and top-quality senior communities.
Scene: Colonial charm meets modern comfort with brick-lined streets and green parks.
Cost of living: About average; Virginia doesn’t tax Social Security income.
Healthcare: Riverside Doctors’ Hospital and Sentara Williamsburg Regional Medical Center.
Things to do: Historical tours, golf, and day trips to the coast.
Why it works: Affordable, safe, and cultural — Williamsburg fits retirees who enjoy tradition, learning, and mild weather.

23. Fayetteville, Arkansas

This fast-growing college town has become a quiet retirement favorite in the Ozarks.
Scene: Green hills, low crime, and friendly energy thanks to its university influence.
Cost of living: About 13% below the national average — one of the lowest on this list.
Healthcare: Washington Regional Medical Center and Mercy Hospital.
Things to do: Farmer’s markets, local music, and endless hiking trails.
Why it works: Fayetteville’s affordability and quality of life make it a hidden gem for life after retirement.

24. Portland, Oregon

For retirees who love nature, food, and culture, Portland offers the best of all worlds.
Scene: Tree-lined streets, local cafés, and quick access to beaches and mountains.
Cost of living: About 20% above average, but Oregon has no sales tax.
Healthcare: Oregon Health & Science University is nationally ranked.
Things to do: Farmers’ markets, biking, volunteering, and day trips to the coast.
Why it works: Portland attracts retirees who value eco-living, community, and creativity — a great fit for mindful lifestyles.

25. Albuquerque, New Mexico

Albuquerque offers sunshine, affordability, and cultural depth in equal measure.
Scene: Desert landscapes, historic charm, and stunning mountain backdrops.
Cost of living: Around 8% below the national average. New Mexico exempts Social Security income for most retirees.
Healthcare: Presbyterian Hospital and Lovelace Medical Center offer quality care.
Things to do: Hiking, hot air ballooning, and exploring local art and cuisine.
Why it works: It’s budget-friendly, sunny, and rich in culture — one of the Best Places To Retire United States for retirees who crave warmth and adventure.

How to Choose the Right Retirement Place for You

Finding your perfect retirement spot starts with knowing what truly matters to you. Some retirees want sunshine and beaches, while others value family proximity, cultural life, or medical access. To make a confident choice, ask yourself:

Do I prefer warm or mild weather?
How close do I want to be to family or friends?
Do I want a walkable town or a quiet rural area?
What’s my monthly budget after taxes and healthcare?

If you love US travel destinations, start by visiting your top contenders. Keep notes in a travel journal — record how each place feels day to day. Think about whether the pace, people, and climate match the lifestyle you want. This step transforms your search into a fun and intentional part of your retirement bucket list journey.

Hidden Gems & Underrated Retirement Towns

Beyond well-known spots like Naples or Charleston, the Best Places To Retire United States are often smaller towns filled with charm and affordability. These hidden gems offer community spirit and calm living without sacrificing comfort.

Beaufort, North Carolina – Coastal beauty, friendly locals, and low housing costs.
Hot Springs, Arkansas – Historic architecture and nearby national park trails.
Hood River, Oregon – River views, wineries, and four distinct seasons.
Eureka Springs, Arkansas – Artistic energy and affordable Victorian homes.
Coeur d’Alene, Idaho – Safe, scenic, and perfect for lakeside recreation.

These towns combine low crime, manageable living costs, and a strong sense of belonging. They’re wonderful for retirees looking for cheap places to travel in the US that might just become home.

Affordable Places to Retire Near the Water

Dreaming of waterfront views doesn’t have to break your budget. Many places to retire United States near lakes and coastlines offer affordability with that coveted “on-the-water” feeling.

Gulf Shores, Alabama – Affordable beach living and a relaxed pace.
Port St. Lucie, Florida – Coastal charm with below-average housing prices.
Traverse City, Michigan – Freshwater beaches and four-season beauty.
Lake Havasu City, Arizona – Desert sunsets and boating fun at a lower cost.
Corpus Christi, Texas – Ocean access, warm winters, and no state income tax.

If living near the water is on your retirement bucket list, start exploring these cheap places to travel in the US and see which one feels like home. A simple beach umbrella and folding chair might be your first investment in your new happy place.

What to Look For in a Retirement Community

Even if you’re not ready for a retirement village, it’s worth knowing what makes a good community. The right one can provide social connection, safety, and easy access to daily essentials.

Look for:

Proximity to hospitals and grocery stores
Low property taxes and manageable HOA fees
Amenities like pools, trails, or fitness centers
Clubs or volunteer opportunities to stay active

Visit at least once before committing. Talk to locals, join a community event, and pay attention to how welcoming it feels. Retirement happiness often depends less on location and more on belonging — the truest measure of a joyful life after retirement.

Your Joyful Retirement Journey Starts Here

Retirement isn’t about slowing down — it’s about finally living life on your own terms. Whether you’re drawn to coastal calm, mountain air, or hidden small towns, the Best Places To Retire United States are full of opportunities to build the peaceful, purpose-filled life you’ve always imagined.

As you explore, stay curious and open-hearted. Visit a few destinations from your retirement bucket list, chat with locals, and see which place makes you feel at home the moment you arrive. Joy lives in those small moments — the sunrise walks, friendly faces, and simple pleasures that make every day feel worth savoring.

If you enjoyed this guide, you’ll also love:

✨ Save this pin for later so you can revisit these ideas anytime — and share it with someone who’s dreaming about their own joyful next chapter.