What comes to your mind when you think of retirement? It is an exciting phase that blends life’s wisdom with the newfound freedom of a newborn in a way that feels both exhilarating and peaceful. The concept of retirement has undergone significant changes. Many older adults today care most about enjoying each day, having good friends nearby, and finding happiness in simple things, rather than worrying so much about taxes and healthcare.
So, do you prefer calm coastal air or desert air? A college town or a mountain retreat? All around the country, towns and cities are changing to make retirees feel welcome, not just because they’re affordable, but because they offer a real sense of community. Some places have easy-to-walk streets and local farmers’ markets. Others are sunny and always have a friendly game of golf or fresh seafood nearby. There are towns with gentle weather, some with lower taxes, and others where there’s always something interesting to do or see. Today, people have more choices than ever about where and how they want to enjoy retirement.
In this article, we’re going to look at some of the best places to retire in the U.S. Instead of ranking towns, we’re spotlighting places where retirees can truly stay at peace. The list has been categorized by region to help you narrow down what feels like home and what might be the beginning of your next chapter.
25 Best Places To Retire In The U.S.
NORTHEAST
1. Lancaster, Pennsylvania
Lancaster blends small-town charm with modern amenities, all nestled in the heart of Amish country. This city may be rooted in tradition, but it offers plenty for retirees seeking culture, healthcare access, and walkable living. The historic downtown is filled with art galleries, markets, and farm-to-table restaurants. It also ranks high for healthcare, with Penn Medicine Lancaster General consistently recognized for excellence. Retirees appreciate its slower pace without feeling isolated. The area is also known for its rich community involvement and low crime rates, offering peace of mind for those settling in long-term.
Pros:
- Excellent access to high-quality healthcare
- Walkable, scenic downtown with community events
- Strong sense of community and cultural offerings
Cons:
- Winters can be cold and snowy
- Higher property taxes compared to Southern states
2. Pittsfield, Massachusetts
Surrounded by the Berkshires, Pittsfield is a nature lover’s retreat with a strong artistic touch. Retirees can hike in the summer and attend the Boston Symphony Orchestra at Tanglewood. Housing costs remain modest compared to Boston or NYC, yet amenities are rich. Pittsfield has embraced its retirees, offering community centers, libraries, and parks for all ages. It balances small-town warmth with intellectual stimulation, making it one of the best places to retire in the U.S. if you crave both peace and enrichment.
Pros:
- Vibrant arts and cultural scene
- Surrounded by beautiful natural landscapes
- Lower cost of living than other New England cities
Cons:
- Harsh winters
- Fewer flight options from regional airports
3. Manchester, New Hampshire
Manchester offers no state income or sales tax, making it an appealing financial choice for retirees. However, the draw exceeds the numbers; its small-city feel and proximity to Boston (about an hour away) give you access without the crowd. The city offers a comforting blend of old and new, from the Merrimack River views to the historic mills. It’s also gaining attention for its healthcare system and growing tech and arts scene. Manchester fits many retirees ‘ wishlists with walkable areas and outdoor opportunities nearby.
Pros:
- Tax-friendly (no income or sales tax)
- Proximity to major cities and outdoor recreation
- Safe and manageable city size
Cons:
- Housing demand has increased in recent years
- Winters can be long and cold.
4. Portland, Maine
Portland’s cobbled streets, lighthouse-dotted coast, and fresh seafood appeal to those wanting a slower, scenic life. It’s among the best places to retire in the U.S. for its healthcare access and environmental quality. While small, Portland is rich in character, with farmers’ markets, local breweries, bookstores, and a strong sense of neighborhood pride. Many retirees enjoy the calm, coastal pace mixed with the cultural perks of a big city. Plus, the food scene is among the best in New England.
Pros:
- Beautiful coastal living with walkable neighborhoods
- Top-notch food and arts scene
- Excellent healthcare facilities
Cons:
- Property taxes can be high
- The cost of living is rising.
5. Albany, New York
As the state capital, Albany offers a rich mix of history, culture, and services without the high prices of downstate New York. It’s well-connected by rail and has a decent airport, making travel easy for retirees with grandkids nationwide. The region has quality hospitals, senior-friendly community programs, and affordable housing options. Despite being in New York, Albany is far cheaper than the city, and for those who enjoy four seasons and proximity to the Adirondacks, it’s an appealing choice.
Pros:
- Lower cost of living compared to NYC
- Well-established healthcare system
- Diverse neighborhoods and historical attractions
Cons:
- Cold, snowy winters
- State taxes remain a drawback for some retirees
SOUTHEAST
6. Asheville, North Carolina
Tucked in the Blue Ridge Mountains, Asheville blends Southern charm with creative spirit. Retirees are drawn to its stunning scenery, mild seasons, and vibrant arts scene. The city also boasts excellent healthcare options, including Mission Health, one of North Carolina’s top medical systems. Asheville has a laid-back pace that makes it easy to transition into retirement and offers plenty of hiking, folk festivals, and food exploration opportunities. Asheville is hard to beat for those who want nature, culture, and quirkiness.
Pros:
- Great climate and natural beauty
- Strong healthcare network
- Lively arts and music scene
Cons:
- Property taxes are higher than the state average
- Traffic congestion in tourist seasons
7. Sarasota, Florida
Apart from being a beach town, Sarasota is a retiree’s paradise wrapped in sunshine and salt air. With top-rated healthcare, beautiful white-sand beaches, and no state income tax, it’s little wonder Sarasota frequently tops lists of the best places to retire in the U.S. The city offers cultural perks like ballet, opera, art galleries, and a laid-back beach lifestyle. Housing options range from luxury condos to affordable communities. It’s also senior-friendly, with many neighborhoods built with retirees in mind. Sarasota’s sunshine and serenity make every day feel like a vacation.
Pros:
- Excellent climate and beaches
- No state income tax
- Great healthcare access
Cons:
- Hurricane risks
- Growing cost of living
8. Savannah, Georgia
With its moss-covered oaks, historic charm, and walkable downtown, Savannah offers a retirement lifestyle that feels like stepping into a postcard. It’s a city where history, hospitality, and community thrive. Retirees here enjoy coastal living without the high costs of Florida, and Georgia’s tax policies favor retirees. The food scene is soulful, the healthcare system is expanding, and there’s a strong sense of neighborliness. Whether scouting cobblestone streets or enjoying lowcountry cuisine, Savannah has a warmth that extends well beyond the weather.
Pros:
- Affordable cost of living
- Historic and cultural appeal
- Favorable tax conditions
Cons:
- Summer humidity can be intense
- Limited public transport
9. Greenville, South Carolina
Greenville is a rising star among retirement destinations in the Southeast. It has the charm of a small town but the amenities of a growing city. The downtown area is one of the best revitalized in the country, with riverside trails, theaters, restaurants, and live music venues. Housing remains relatively affordable, and South Carolina doesn’t tax Social Security income. Retirees love the walkability, friendliness, and slower pace of life. It’s easy to stay active and socially engaged here, whether biking the Swamp Rabbit Trail or joining a local club.
Pros:
- Walkable and vibrant downtown
- Affordable housing
- Low taxes for retirees
Cons:
- Hot summers
- Healthcare is still catching up to larger cities.
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10. Knoxville, Tennessee
Knoxville is between the Great Smoky Mountains and the Tennessee River, offering postcard views and genuine southern hospitality. It’s become a quiet favorite among retirees for its affordability, low taxes, and natural access. The University of Tennessee keeps the city young and bustling, with access to sports, music, and healthcare facilities. Housing is affordable, and the state doesn’t tax retirement income, making it easier to stretch a pension or savings. Knoxville has charm, convenience, and a growing retiree-friendly community.
Pros:
- Affordable cost of living
- No income tax on retirement income
- Near national parks and scenic drives
Cons:
- Limited public transit options
- Humid summers
MIDWEST
11. Madison, Wisconsin
Madison strikes the perfect balance between peaceful retirement and cultural stimulation. Nestled between two scenic lakes and dotted with parks, the city offers endless outdoor recreation. It’s also home to aesthetic arts, top-notch healthcare through the University of Wisconsin, and walkable neighborhoods. Winters may be brisk, but the strong sense of community and low crime rates provide a cozy setting for retirees. Farmers’ markets, museums, and free concerts in the square give Madison a friendly, active feel. It’s one of those places where you can stay intellectually and socially engaged without ever feeling overwhelmed.
Pros:
- Excellent healthcare facilities
- Lively downtown and arts culture
- Great walking and biking infrastructure
Cons:
- Long, snowy winters
- Higher property taxes than the average
12. Iowa City, Iowa
Iowa City is calm, cultured, and surprisingly progressive, making it one of the best places to retire in the U.S. Known for its literary roots and university town charm, it’s the best spot for retirees who want a slower pace without losing access to healthcare, culture, or community. The cost of living is reasonable, and the walkable downtown offers bookstores, quaint cafés, and farmers’ markets. The University of Iowa’s hospital system is one of the best in the Midwest. Retirees here often enjoy the feeling of being in a place that’s peaceful but never boring; the local events calendar stays full year-round.
Pros:
- Affordable cost of living
- Access to world-class medical care
- Strong sense of local community
Cons:
- Cold winters
- Less variety in entertainment compared to larger cities
13. Bloomington, Indiana
Located in the hills of southern Indiana, Bloomington offers a picturesque retirement lifestyle. Home to Indiana University, it brings all the cultural perks, concerts, lectures, sports, and international cuisine. Forests, lakes, and hiking trails also surround it. Living here feels relaxed, but I never sleep. The mix of students and retirees keeps things lively, while housing costs and healthcare access make day-to-day life easier. This city is an underrated gem for those looking to retire somewhere that feels slightly different but is still deeply rooted in Midwestern values.
Pros:
- Active arts and culture scene
- Surrounded by nature
- Low housing costs
Cons:
- Humid summers
- Limited public transportation
14. Ann Arbor, Michigan
Ann Arbor blends small-town charm with the perks of a major college town, making it a top choice among the best places to retire in the U.S.. Retirees enjoy access to the nation’s best medical care with the University of Michigan’s hospitals and healthcare services. The city is walkable, lined with bookstores, art galleries, and gourmet restaurants. Winters are icy, but the warmth of the community and abundance of indoor activities make up for it. Ann Arbor quietly ticks all the boxes and does so with midwestern humility if you’re looking for a place with a little intellectual spark in your retirement years.
Pros:
- Exceptional medical care
- Culturally vibrant
- Very walkable and safe
Cons:
- Expensive housing compared to nearby areas
- Cold, snowy winters
15. Lawrence, Kansas
Lawrence surprises many first-time visitors. It’s full of character, thanks to the University of Kansas, with a dynamic music scene and local festivals. Retirees here appreciate the affordable living and welcoming vibe. The city has invested in green spaces and infrastructure, making outdoor walks enjoyable. While it’s not a major metro, Lawrence doesn’t feel sleepy. There’s always something going on; locals are known for being open, laid-back, and community-minded. Lawrence is a wise choice for those looking to stretch their retirement savings in a place that still feels energized.
Pros:
- Low cost of living
- Energetic, friendly vibe
- Active arts and music community
Cons:
- Less access to major airports
- Healthcare options are good, but not as extensive as in larger cities
SOUTHWEST
16. Prescott, Arizona
Prescott feels like a hidden gem nestled in Arizona’s central highlands. It is one of the best places to retire in the U.S. With its blend of mountain air, historic charm, and more than 300 days of sunshine a year, retirees are increasingly drawn to this small city. Apart from its weather conditions, Prescott boasts a strong sense of community, low crime rates, and access to outdoor activities like hiking in Prescott National Forest and boating on Watson Lake. Healthcare is accessible and highly rated, which adds to the city’s appeal. The historic downtown area with local boutiques and regular art walks gives it a quaint yet vibrant feel.
Pros:
- Mild, four-season climate with lots of sunshine
- Active lifestyle opportunities and scenic beauty
- Top-rated healthcare facilities
Cons:
- Housing costs have surged in recent years
- Public transportation is limited.
17. Santa Fe, New Mexico
Santa Fe is not just for artists and writers; it is also a haven for retirees who crave culture, fresh mountain air, and low stress. As one of the oldest cities in the U.S., it mixes adobe architecture, a rich blend of cultures, and plenty of festivals, museums, and culinary experiences. The cost of living is slightly above average, but it offers good healthcare options and a laid-back pace. Its elevation keeps temperatures cooler than in other parts of New Mexico, and retirees love the abundance of nature trails and wellness centers.
Pros:
- Rich in culture and artistic heritage
- Great healthcare access
- Pleasant climate and clean air
Cons:
- The cost of living can be higher than the state average.
- Not ideal for those who prefer a bustling nightlife
18. St. George, Utah
St. George is gaining popularity as one of the best places to retire in the U.S. thanks to its warm weather, red rock views, and a growing network of retirees who’ve built a welcoming community. Located near Zion National Park, it’s a playground for hikers and golfers. The city also benefits from Utah’s relatively low taxes, and while summers can get hot, the dry climate makes it more bearable. With low crime and a solid healthcare system, it ticks many boxes for retirees looking for a blend of affordability and adventure.
Pros:
- Spectacular scenery and access to outdoor recreation
- Low crime rate
- Growing senior-friendly amenities
Cons:
- Hot summers can be intense
- Public transportation is sparse.
19. El Paso, Texas
El Paso flies under the radar but consistently ranks among the Southwest’s most affordable and peaceful retirement places. It offers one of the lowest living costs in Texas and a tight-knit community that values family and tradition. Retirees enjoy the warm desert climate, cultural diversity, and proximity to the scenic Franklin Mountains. The city’s healthcare infrastructure has seen notable improvements, and there’s no state income tax, making retirement dollars stretch further. It’s also known for its friendly vibe and low crime rates compared to similar-sized cities.
Pros:
- Low cost of living and no state income tax
- Warm, dry climate
- Strong sense of community and safety
Cons:
- Limited public transport options
- Hot summers may be challenging for some.
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20. Las Cruces, New Mexico
Las Cruces offers a slower pace of life, affordable housing, and scenic views of the Organ Mountains. This college town, home to New Mexico State University, provides opportunities for continuing education and access to cultural events. It’s a popular spot for retirees seeking sunshine, good food, and a community that values wellness. The city has invested in better healthcare facilities, and while it lacks the big-city buzz, it makes up for it with a relaxed lifestyle and genuine charm.
Pros:
- Affordable real estate
- Warm weather and lots of sun
- Plenty of community events and access to learning
Cons:
- Limited flight and travel connectivity
- Healthcare is improving, but still catching up
WEST
21. Boise, Idaho
Boise is a capital choice for retirement, making it among the best places to retire in the U.S. Known for its clean air, low crime, and friendly community vibe, Boise attracts those looking for a balanced life close to nature. The foothills and the Boise River Greenbelt offer scenic walking paths and biking trails. It’s also one of the few cities in the West where you can still find relatively affordable homes with access to urban comforts. The healthcare system is strong, and a growing network of services catering to seniors exists. Plus, Idaho’s retirement tax friendliness gives it another edge. Boise offers a peaceful yet enriching lifestyle for retirees who want fresh air and open skies.
Pros:
- Affordable housing (compared to many Western cities)
- Excellent outdoor recreation and green spaces
- Low crime rate
Cons:
- Cold winters may not suit everyone
- Limited public transportation
22. Reno, Nevada
Reno has long outgrown its old image. It’s a modern desert city with an artsy streak, proximity to Lake Tahoe, and no state income tax, a serious plus for retirees watching their finances. Retirees in Reno enjoy a mix of urban comfort and small-town pace, with many community centers, walking clubs, and nature outings. Healthcare is reliable, and the city invests in age-friendly infrastructure. There’s also plenty of sunshine, so you can stay active year-round. For retirees who love a dash of excitement but also crave tranquility, Reno delivers a balanced mix.
Pros:
- No state income tax
- Close to scenic Lake Tahoe and mountain escapes
- Strong senior-focused community
Cons:
- Cost of living rising due to tech boom spillover
- Summers can get uncomfortably hot.
23. Spokane, Washington
Spokane sits in eastern Washington and offers retirees a perfect mix of city amenities and outdoor adventure. Known as the hub of the Inland Northwest, Spokane delivers big-city conveniences at small-town prices. The cost of living is much lower than Seattle or other coastal cities, making retirement dollars stretch further. Healthcare is excellent, with several major medical facilities including Providence Sacred Heart Medical Center.
The city enjoys four distinct seasons with plenty of sunshine, and the nearby mountains and lakes provide endless opportunities for hiking, fishing, and skiing. Downtown Spokane has been revitalized with parks, restaurants, and cultural venues, while the famous Riverfront Park offers walking trails along the Spokane Falls. For retirees who want urban sophistication without urban prices, Spokane delivers the best of both worlds.
Pros:
- Affordable cost of living compared to Western Washington
- Excellent healthcare facilities and medical services
- Four-season climate with outdoor recreation nearby
Cons:
- Winters can be cold and snowy
- Less cultural diversity than larger metropolitan areas
24. Medford, Oregon
Tucked in southern Oregon, Medford is an under-the-radar retirement spot with lots of perks. It offers scenic views of the Rogue River Valley, access to Crater Lake National Park, and a surprisingly vibrant wine country. The cost of living is more reasonable than in larger Oregon cities like Portland, and healthcare access is good thanks to providers like Asante. For active retirees, hiking, kayaking, and fishing are all nearby. Medford offers a balance of small-town warmth and enough cultural amenities to keep life interesting. Plus, Oregon doesn’t tax Social Security income, which is a financial advantage worth noting.
Pros:
- Mild climate and access to nature
- Tax breaks for retirees
- Strong community feel
Cons:
- Limited public transport
- Air quality can be affected during wildfire season.
25. Colorado Springs, Colorado
Retiring in Colorado Springs means waking up to the Rocky Mountains and the striking Pikes Peak views. This high-elevation city offers clean air, wellness-centered living, and countless opportunities for hiking and exploration. Healthcare access is excellent, and the city has invested in making itself senior-friendly with parks, wellness centers, and walking trails. Property taxes in Colorado are relatively low, and while the winters can be snowy, they’re not severe. The vibe here is active but laid-back, making it one of the best places to retire in the U.S.
Pros:
- Stunning mountain views and hiking access
- Quality healthcare and senior programs
- Low property taxes
Cons:
- Winters can be chilly and dry
- Home prices have been rising steadily.
Conclusion
Retirement doesn’t mean you’re finished with life’s adventures. It means you get to start something new. This is your chance to find fresh purpose, enjoy the peace you’ve earned, and follow what makes you happy. Imagine relaxing by the beach in Florida, waking up to the mountains in Colorado, or soaking up the history and close community in Pennsylvania. The best places to retire in the U.S. aren’t just about saving money or escaping cold winters; they’re about finding a place where you truly feel you belong.
Instead of searching for the perfect spot, this list is about finding what feels right. It could be somewhere your mornings feel lighter, your days are filled with things you enjoy, and the people around you feel like old friends. Take your time, visit a few places, and see where your heart feels at home. After all your hard work, you deserve somewhere that fits your dreams for the future. The best places to retire in the U.S. are about more than where you are on a map; they’re about finding that feeling of comfort and happiness in your everyday life.
Thanks for reading
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