When it comes to planning your retirement, deciding where to live is one of the most important choices you’ll ever make. After all, your retirement years should be about relaxation, enjoyment, and fulfillment, rather than worrying about cost of living, healthcare access, or whether there will be enough activities to keep you engaged. Consequently, more and more Americans are asking the pressing question: what are the best places to retire in the US?
Of course, the answer isn’t one-size-fits-all. In fact, it largely depends on what matters most to you, whether that’s affordability, year-round warm weather, cultural attractions, outdoor adventures, or proximity to family and friends. Fortunately, the United States offers an abundance of retirement-friendly destinations, each with its own distinct charm and advantages.
Below, we’ll explore the best places to retire in the US for 2025, breaking them down by lifestyle, affordability, and quality of life. Additionally, we’ll provide practical tips to help you evaluate each location and determine which one fits your unique retirement goals perfectly.
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Best Places to Retire in the US AND Why Location Matters
Before we dive into the list, let’s talk about why where you retire matters just as much as how much you’ve saved.
- Cost of living – Housing, taxes, and healthcare expenses can vary widely depending on the state and city.
- Healthcare access – As you age, proximity to good hospitals and specialists becomes crucial.
- Climate preferences – Some people want sunny beaches, others prefer cool mountain air.
- Lifestyle options – Whether you love golf, arts and culture, or hiking, your location will impact how easily you can enjoy your hobbies.
- Community – Retirement can be lonely if you don’t have friends or activities nearby, so finding a welcoming community is essential.
With that in mind, let’s explore the best places to retire in the US right now.
1. Sarasota, Florida – Sunshine and Culture Combined
Florida is often the first state people think of for retirement, and Sarasota proves why it’s one of the best places to retire in the US, offering a perfect mix of warm weather, stunning beaches, and vibrant cultural experiences.
Why retirees love it: Take advantage of Sarasota’s lively arts scene by visiting local galleries, attending live performances, or joining community art classes. Stay active and social by signing up for golf leagues or fitness programs at one of the city’s excellent recreation centers. And don’t overlook healthcare. Sarasota provides access to top-notch medical facilities, making it easy to manage your health and wellness.
Cost of living: While housing and living expenses are slightly higher than in smaller Florida towns, Sarasota remains more affordable than major urban centers. To stretch your budget, consider neighborhoods a short drive from downtown or explore local farmers’ markets to save on groceries.
Lifestyle perks: Make the most of Sarasota’s cultural and outdoor offerings. Spend your mornings exploring the Ringling Museum of Art, afternoons relaxing on Siesta Key Beach, and evenings enjoying live music or community events. Join local clubs or volunteer opportunities to meet fellow retirees and stay engaged.
If you want a retirement location that combines fun in the sun with cultural enrichment, Sarasota is one of the Best Places to Retire in the US. By actively exploring activities and neighborhoods, you can create a retirement lifestyle that’s both fulfilling and financially smart.
2. Asheville, North Carolina – Arts, Mountains, and Charm
For retirees who prefer mountain living over the beach, Asheville is a true gem and one of the best places to retire in the US.
Why retirees love it: Embrace Asheville’s thriving arts and music scene by attending gallery openings, live concerts, and local craft fairs. Explore farm-to-table dining, join cooking classes, or connect with local artisans to make the most of the city’s creative energy. Staying active is easy with community fitness programs and group hiking clubs.
Cost of living: Moderate overall, and you can save by looking at housing options outside the city center. Consider renting first to explore neighborhoods before buying, and shop at local farmers’ markets to enjoy fresh, affordable produce.
Lifestyle perks: Surrounded by the Blue Ridge Mountains, retirees can enjoy hiking, scenic drives, and spectacular fall foliage. Take advantage of nearby parks and trails for regular outdoor activity. Join social clubs or volunteer programs to build connections with fellow retirees.
If you value creativity, community, and natural beauty, Asheville is a perfect place to enjoy an active and enriched retirement lifestyle.
3. Scottsdale, Arizona – Desert Living with Luxury
If sunshine and golf are your priorities, Scottsdale is one of the best places to retire in the US.
Why retirees love it: Scottsdale offers year-round sunny weather perfect for outdoor activities. Join golf leagues, tennis clubs, or fitness groups to stay active and social. Enjoy world-class spas, fine dining, and art festivals to enrich your daily life.
Cost of living: Higher than average, but many retirees consider it worth the investment. To manage expenses, explore nearby neighborhoods slightly outside the city center or take advantage of seasonal deals on leisure activities.
Lifestyle perks: Proximity to Phoenix ensures access to top-notch healthcare, shopping, and big-city amenities while maintaining a more relaxed lifestyle. Engage with local retiree groups, clubs, or volunteer opportunities to stay connected.
If you want an active, upscale retirement lifestyle filled with sun, sports, and social opportunities, Scottsdale is a top contender.
4. Charleston, South Carolina – Historic and Hospitable
Charleston combines history, Southern hospitality, and coastal living, making it a sought-after retirement destination.
Why retirees love it: Explore cobblestone streets, historic architecture, and museums. Take cooking classes focused on Southern cuisine, attend local festivals, or join walking tours to fully immerse yourself in the culture. Retirees also enjoy easy access to beaches and boating opportunities.
Cost of living: Moderate, with many suburban neighborhoods offering affordable housing options. You can save by looking slightly outside the downtown area or by downsizing for simplicity.
Lifestyle perks: Charleston’s strong sense of community is perfect for retirees looking to build new social connections. Enjoy the vibrant food scene, volunteer opportunities, and local clubs to stay engaged and active.
If you’re seeking a charming, walkable city with rich culture and coastal perks, Charleston is an excellent retirement choice.eal if you want a charming, walkable city with a rich cultural backdrop.
5. Naples, Florida – Paradise for Beach Lovers
Naples is a favorite among retirees and is often ranked as one of the happiest and healthiest places to retire in the US.
Why retirees love it: Take advantage of Naples’ stunning beaches by joining walking groups or water sports clubs. Play golf at one of the city’s top courses, or sign up for tennis, yoga, or fitness classes designed for retirees. Outdoor enthusiasts can explore parks, nature preserves, and seasonal festivals.
Cost of living: Housing is higher than the Florida average, but residents benefit from no state income tax. To save, consider neighborhoods slightly inland or explore rental options before buying.
Lifestyle perks: Naples has a strong retiree community and excellent healthcare facilities. Join social clubs, volunteer programs, or hobby groups to stay engaged and connected.
With its mix of sun, leisure, and wellness, Naples is perfect for retirees who want a vibrant yet relaxed lifestyle.ar the ocean every day, Naples could be your paradise.
6. Lancaster, Pennsylvania – Affordable and Peaceful
For those who prefer a slower, more affordable lifestyle, Lancaster offers classic small-town charm.
Why retirees love it: Immerse yourself in Amish country with scenic countryside drives, fresh farmer’s markets, and local artisan shops. Attend community events or join local clubs to enjoy a friendly, tight-knit atmosphere.
Cost of living: Housing and overall expenses are lower than coastal cities. Consider buying a smaller home or a cottage-style property to maximize savings.
Lifestyle perks: Lancaster provides peace and simplicity, with easy access to Philadelphia and New York for occasional city trips. Engage with local community centers, book clubs, or volunteer programs to enrich your social life.
Lancaster is ideal for retirees seeking affordability, tranquility, and a slower pace of life.
7. Austin, Texas – Music, Food, and Warm Weather
Austin isn’t just for young professionals, it’s quickly becoming a popular retirement destination and, in fact, one of the best places to retire in the US.
Why retirees love it: Enjoy the city’s lively music scene, cultural festivals, and farm-to-table dining. Retirees can take music lessons, join walking tours, or participate in fitness and hobby groups.
Cost of living: While prices are rising, Austin remains more affordable than coastal hubs like Los Angeles or New York. To save, explore neighborhoods outside the downtown core or consider smaller homes.
Lifestyle perks: No state income tax and warm weather make it financially and physically appealing. Austin offers an active, energetic environment that allows retirees to continue enjoying life with the excitement of city living.
For retirees who want vibrancy, culture, and social opportunities, Austin offers an engaging, active lifestyle.
8. Portland, Maine – Coastal Beauty in New England
Portland, Maine is a refreshing option for retirees seeking coastal living without the hustle of big cities.
Why retirees love it: Enjoy fresh seafood, picturesque harbors, and a relaxed pace of life. Retirees can join sailing clubs, cooking workshops, or coastal walking groups. Explore art galleries, historical sites, and local festivals to stay culturally engaged.
Cost of living: Moderate, with affordable homes outside the downtown area. Renting first can help you get a feel for the community before committing.
Lifestyle perks: Experience all four seasons, from beautiful summers to cozy winters. Connect with local community centers, volunteering opportunities, and hobby groups to stay active and social.
Portland is perfect for retirees who love the ocean but prefer a small-town New England lifestyle ocean but want a small-town New England vibe.
9. Denver, Colorado – Outdoor Adventure Year-Round
For active retirees, Denver offers endless opportunities for outdoor fun.
Why retirees love it: Close proximity to the Rocky Mountains means hiking, skiing, and other nature adventures are always accessible. Join local hiking clubs, cycling groups, or fitness classes to stay healthy and social.
Cost of living: Higher than the national average, but many retirees find the lifestyle worth it. Consider suburbs or smaller properties to make the most of your budget.
Lifestyle perks: Denver has a health-conscious culture and excellent healthcare facilities. Take advantage of community programs, art events, and social clubs to stay engaged.
Denver is ideal for retirees seeking adventure, fresh air, and an active lifestyle.
10. Savannah, Georgia – Relaxed Southern Living
Savannah combines affordability, charm, and friendliness, making it a great retirement destination.
Why retirees love it: Explore historic squares, oak-lined streets, and local museums. Enjoy cultural festivals, art walks, and volunteer opportunities to stay connected with the community.
Cost of living: Lower than the national average, especially for housing. Consider smaller homes or historic cottages for affordability and character.
Lifestyle perks: Savannah offers a slower pace of life with plenty of cultural and social activities. Retirees can enjoy walking tours, gardening clubs, and local culinary experiences.
For retirees seeking charm, community, and affordability, Savannah is a standout choice.
How to Choose the Best Place to Retire in the US
With so many amazing choices, how do you pick the best one for you? Here are some practical tips:
- Consider your budget – Run the numbers for housing, taxes, and healthcare.
- Visit before you commit – Spend a few weeks or months in your top choice before moving.
- Think about lifestyle – Do you want beaches, mountains, or big-city energy?
- Look at healthcare – Make sure you’ll have access to hospitals and specialists nearby.
- Check out the community – Retirement is more enjoyable when you’re surrounded by friends, activities, and support.
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Best Places to Retire in the US – Your Dream Retirement Awaits
At the end of the day, the best places to retire in the US really depend on the lifestyle you want to enjoy. For example, you might be drawn to Sarasota’s sunny beaches, Asheville’s peaceful mountains, Scottsdale’s warm desert, or Savannah’s historic charm. In any case, there is a perfect retirement spot out there just for you.
Furthermore, it’s important to remember that retirement isn’t just about leaving work behind. Instead, it’s about building the life you’ve always dreamed of. By choosing the right location, you can not only make your money go further but also enjoy each day to the fullest, whether that means outdoor adventures, cultural activities, or social connections.
Therefore, take action now: plan thoughtfully, schedule a few scouting trips, and imagine yourself settling into your ideal retirement community. In fact, with careful planning and exploration, you can design the future you want, and the retirement you’ve envisioned can become a reality sooner than you might think.
With love and financial empowerment,
E
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