Guide to the Top 10 Best Places to Retire in the US
By Guy Shap, Retiree’s Advocate and Expert Writer
Discover the 10 best places to retire in the US with insights from Guy Shap, a trusted retirement advocate. From affordable gems to warm-weather escapes, find the best places to live in retirement in the US, whether on a budget or looking for luxury.
While deciding where to retire is one of the most important decisions you’ll make for your golden years, no worries, I’ll help guide you. Whether you’re looking for warm weather, affordable living, or a bustling community, the top places to retire in the US offer fantastic options tailored to retirees’ diverse needs. As a retiree advocate, I’ve spent years researching the best cities and towns for seniors. Here, I’ll highlight the top 10 places to retire in the US based on affordability, healthcare access, community engagement, and overall quality of life.
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What to consider when looking for the best places to retire in the US
Searching for the best places to retire in the US? You’re not alone. The very best states to retire to should offer you, your partner, and your family easy access to medical care, entertainment, dining, and ample things to do.
Why Choosing the Right Place Matters
Where you live during retirement impacts your finances, health, and daily happiness. The best places to retire in the US offer a balance of affordability, amenities, and opportunities for staying active and engaged. Factors such as climate, healthcare facilities, cost of living, and social opportunities are crucial when picking your retirement destination.
Below, I’ve listed the top recommendations and included my expert insights and tips to help you select from my list of the best places to retire in the US.
My client’s favorite best place to retire in the US
My clients know that choosing the best places to retire in the US matters
As someone who’s spent years helping fellow retirees navigate this exciting life stage, I know how critical it is to choose a good place and the best places to retire in the US that fit your unique needs. Whether you’re looking for affordability, warm weather, access to healthcare, or vibrant community life, there’s a perfect place out there waiting for you.
I’ve compiled my clients’ picks for the top 10 places to retire in the US. These aren’t just based on stats—they’re backed by real-life experiences, tips from retirees I work with, and insights from my research. Let’s dive in.
Quick Look: 10 Top Places to Retire in the US
Here’s a snapshot of the best places to retire in the US, organized by region, affordability, and lifestyle offerings:
| Rank | City, State | Region | Affordability Level | Lifestyle Perks |
|---|---|---|---|---|
| 1 | Asheville, NC | Southeast | Moderate | Scenic mountains, arts scene, 4 seasons |
| 2 | Sarasota, FL | South | Affordable | Beaches, culture, strong retiree community |
| 3 | Boise, ID | West | Moderate | Nature access, low crime, clean air |
| 4 | Lancaster, PA | Northeast | Affordable | Amish country charm, low taxes |
| 5 | San Antonio, TX | South | Inexpensive | Warm weather, no income tax, rich history |
| 6 | Prescott, AZ | West | Affordable | Mild climate, outdoor recreation |
| 7 | Pittsburgh, PA | Northeast | Cheap | Cultural hub, low cost of living |
| 8 | Greenville, SC | Southeast | Very Affordable | Walkable, friendly, great medical care |
| 9 | Fort Myers, FL | South | Moderate | Coastal, warm, tax-friendly |
| 10 | Bellingham, WA | Northwest | Moderate | Ocean + mountain views, progressive vibes |
Relocation tips for the best places to retire in the US – Make Your Move Smart & Smooth
Here are my relocation tips for choosing the best places to retire in the US. This advice is entirely written with me speaking directly to your readers like we’re having a good, honest chat. Relocating in retirement is a big decision that deserves thought, planning, and a touch of adventure. Over the years, I’ve helped retirees make this transition and moved myself more than once. So here are my tips to help you choose the best places to retire in the US and make your move less stressful and more rewarding.
1. Visit Before You Commit
I always tell folks, don’t fall in love with a place just because a magazine or list told you it’s among the “best places to retire in the US.” See it for yourself. If you can, spend at least a week there and return during another season. It’s one thing to love a city in spring, another to survive winter or summer. And while you’re there, talk to the people. Ask other retirees what they like, what surprised them, and what they wish they knew before moving.
2. Rent Before You Buy
This one can save you money and stress. Renting from your chosen best places to retire in the US gives you the time to settle in and learn the lay of the land before committing to buying. Every city has neighborhoods with their character—you won’t figure out the best fit from Zillow alone. I rented six months in one city before realizing I preferred the town one hour south. Best move I ever made.
3. Understand the Local Tax Picture
Taxes can quietly eat into your retirement budget if you’re not paying attention. I always consider whether a state taxes Social Security or pensions, if there’s a state income tax, and what property taxes look like. Some of the most affordable places to retire in the US come with significant tax advantages—Texas and Florida, for example, don’t tax income. But even in states that do, senior exemptions may be worth checking out.
4. Look Into Healthcare Access
Don’t wait until you need a doctor to determine your options. I always recommend checking out the local hospitals and clinics to see whether your insurance or Medicare Advantage plan is accepted in the area. If you have ongoing medical needs, ensure specialists are nearby. You want to be healthy and independent as long as possible—good local care can make a big difference.
5. Downsize With Purpose
Moving is the perfect excuse to let go of things you don’t use. I’ve downsized twice, and each time I felt lighter. Less clutter, less to manage. Keep the things that matter—family photos, treasured books, your favorite chair—and let the rest go. You’ll be surprised how freeing it feels, and how much easier your move will be.
6. Find Community Wherever You Land
Building a new social circle is one of the most important (and overlooked) parts of relocating. Retirement is more enjoyable when you have people to share it with. So join a group, volunteer, or take a local class. Look for towns that have active senior centers or community programs. The best places to retire in the US often come with strong retiree networks—those connections can make any place feel like home.
7. Make a Relocation Checklist
It sounds simple, but having a checklist can keep you organized and calm. Here’s what I always include:
- Visit your top locations in person
- Compare the cost of living and taxes
- Research local healthcare options
- Check local real estate—rent first if you can
- Get a moving estimate and plan your timeline
- Forward your mail and update legal documents
- Find a new doctor and pharmacy
- Explore the community—walk the neighborhood, visit the library, try a local diner
This may be one of the most significant changes of your life, but it can also be one of the best. Plan well, stay flexible, and trust your instincts. Retirement is about living the life you’ve earned—and that starts with choosing the right and best places to retire in the US to call home.
1. Asheville, North Carolina – My Top Pick for 2024
Why it’s the best place to retire in the US for arts lovers and outdoor enthusiasts.
Asheville stole my heart years ago. Nestled in the Blue Ridge Mountains, this vibrant town blends cultural charm with natural beauty. While it’s not the cheapest place to retire in the US, the lifestyle value is unmatched.
My Tips:
- Explore the River Arts District.
- Retirees love the walkable downtown and hiking trails nearby.
- Ideal for folks who love four seasons without harsh winters.
2. Sarasota, Florida – Sunshine and Sophistication
Among the best warm places to retire in the US, without breaking the bank.
With its white-sand beaches and world-class arts, Sarasota is one of the top 10 places to retire in the US for good reason. It’s a warm, year-round city and relatively affordable for Florida.
Best for:
- Beach lovers and culture seekers
- Those wanting access to excellent healthcare
- Retirees looking for social engagement
3. Boise, Idaho – Clean, Calm, and Community-Oriented
An underrated gem in the western US.
Boise offers something special. With a small-town feel and big-city amenities, it’s one of the best places to retire in the western US.
Why Boise:
- Plenty of walking trails and green spaces.
- Clean air and a low crime rate.
- Affordable housing and friendly neighborhoods.
Top 10 Best Places to Retire in the US (2024)
Retirement marks the beginning of a new chapter where quality of life, affordability, and access to amenities take center stage. Choosing the right place to settle down can make all the difference. In 2024, a blend of charming small towns, vibrant cities, and scenic locales is rising to the top as ideal retirement destinations across the United States. Whether you’re looking for sunshine, cultural activities, a low cost of living, or a tight-knit community, this list offers a curated guide to help you find your perfect post-career paradise.
10 top places to retire in the us chart:
Here’s a snapshot of the best places to retire in the US, organized by region, city, and affordability level.
| City/State | Why It’s Great for Retirees | Average Cost of Living | Access to Healthcare |
|---|---|---|---|
| Naples, FL | Beautiful beaches, vibrant community, and luxury amenities | $$$ (High) | Excellent |
| Boise, ID | Outdoor activities galore and a friendly, small-town atmosphere | $$ (Moderate) | Good |
| Fort Wayne, IN | One of the cheapest places to retire in the US with peaceful neighborhoods | $ (Affordable) | Decent |
| Raleigh, NC | A balance of affordability, cultural events, and medical access | $$ (Moderate) | Great |
| Sarasota, FL | Thriving arts scene and a top place in the US to retire for beach lovers | $$$ (High) | Excellent |
| Huntsville, AL | Affordable housing paired with a vibrant, tech-savvy community | $ (Affordable) | Good |
| Charleston, SC | Best warm place to retire in the US, offering charm and history | $$ (Moderate) | Good |
| Virginia Beach, VA | Perfect for coastal retirees wanting a safe and calm retirement destination | $$ (Moderate) | Great |
| Green Bay, WI | Low cost of living, Green Bay Packers legacy, and strong sense of community | $ (Affordable) | Good |
| Austin, TX | Cultural vibrancy, outdoor festivals, and warm, sunny weather | $$ (Moderate) | Excellent |
From coastal retreats to mountain escapes and affordable heartland havens, the 10 best places to retire in the US for 2024 offer diverse options to suit every lifestyle and budget. These locations combine low cost of living, access to healthcare, recreational opportunities, and welcoming communities. Whether you dream of a warm climate or four distinct seasons, this list provides a starting point for your retirement planning journey, where relaxation, adventure, and comfort await.
Breaking it Down: What Makes These the Best Places to Retire?
1. Naples, Florida
Why Retire Here:
Naples tops the list for retirees looking for luxury resort-style living. With gorgeous Gulf Coast beaches, premier shopping, and fine dining, this is the best place to retire in the US and is an excellent fit for those who want an upscale lifestyle. However, living here is expensive, so it’s ideal for retirees with a larger nest egg.
Expert Tip: Plan trips during the off-season to beat the influx of seasonal residents.
2. Boise, Idaho
Why Retire Here:
If you love the outdoors and want to stay active, look no further than Boise. With hiking trails, rivers, and mountains, it’s one of the best places in the western US to retire.
Expert Insight: Boise’s affordability and welcoming atmosphere make it a great, inexpensive place to retire in the US while maintaining a high quality of life.
3. Fort Wayne, Indiana
Why Retire Here:
Fort Wayne boasts some of the cheapest housing prices in the US, making it an ideal option for retirees on a budget. The city is known for its community-centric vibe with local markets, events, and a slower pace of living.
My Advice: Check out local senior classes and events to build friendships in this underrated Midwestern gem.
4. Raleigh, North Carolina
Why Retire Here:
Known for its intellectual and cultural vibe, Raleigh is ideal for seniors who want learning opportunities through universities and a strong healthcare network.
Guy’s Perspective: This is an excellent spot for retirees who want to stay engaged in activities and enjoy mild seasons year-round.
5. Sarasota, Florida
Why Retire Here:
Sarasota’s arts scene sets it apart. There are endless ways to stay inspired, from opera houses to small art galleries.
Insider’s Note: Sarasota isn’t just for beach days. Don’t miss the seasonal farmers’ markets and community festivals.
6. Huntsville, Alabama
Why Retire Here:
Huntsville is rapidly gaining popularity due to its affordability and modern amenities. Housing costs are among the lowest in comparison to many retirement hotspots.
Pro Tip: Take advantage of Huntsville’s museums and botanical gardens for free or senior-discounted entry.
7. Charleston, South Carolina
Why Retire Here:
With its cobblestone streets, historic charm, and proximity to beaches, Charleston is often considered the best place in the US to retire to for seniors who want a slower pace of life with cultural perks.
Advice: Be prepared for higher-than-average tourist activity, especially during peak seasons.
8. Virginia Beach, Virginia
Why Retire Here:
Offering a mix of serene beaches and suburban comfort, this coastal city strikes the right balance for retirees who don’t want to feel isolated.
Senior Suggestion: Consider neighborhoods closer to the ocean for the best of both worlds.
9. Green Bay, Wisconsin
Why Retire Here:
Green Bay is your answer if you’re searching for affordable living in a community with a rich football legacy. It also ranks high among economic places to retire in the US.
Expert Insight: Winters here can be harsh, so it’s best for retirees who can handle some snow.
10. Austin, Texas
Why Retire Here:
Famous for its music scene and Texan hospitality, Austin melds urban living with outdoor activities. For warm-weather enthusiasts, this city is one of the best places to retire in the US.
Tip: Explore the vibrant food scene, where you’re bound to find your favorite taco spot.
Most Affordable Places to Retire in the US
Here’s a look at the cheapest and most economical places to retire in the US, based on housing, healthcare, and tax climate:
| City, State | Avg. Home Price | Cost of Living Index | State Income Tax? |
|---|---|---|---|
| San Antonio, TX | $288,000 | 89.3 | ❌ No |
| Greenville, SC | $252,000 | 86.1 | ✅ Yes (Low) |
| Pittsburgh, PA | $210,000 | 87.7 | ✅ Yes (Moderate) |
| Prescott, AZ | $350,000 | 93.5 | ✅ Yes (Low) |
| Lancaster, PA | $230,000 | 88.0 | ✅ Yes (Low) |
How to Choose the Best Place to Retire in the US for You
Choosing where to retire isn’t just about affordability—it’s about fit. Here’s how I help retirees figure it out:
My Checklist:
- Climate preferences – Warm winters? Four seasons?
- Healthcare access – Are there good hospitals nearby?
- Taxes – Is the state retiree-friendly?
- Community vibe – Do you prefer quiet towns or social hubs?
- Activities – What’s your ideal way to spend time?
Bonus: Top 5 Inexpensive Places to Retire in the US with Big Lifestyle Value
If you’re looking to retire on a budget without sacrificing quality of life, check out these:
- Greenville, SC
- San Antonio, TX
- Lancaster, PA
- Pittsburgh, PA
- Prescott, AZ
All rank as affordable places to retire in the US and offer a rich quality of life.
What About the Most Expensive Place to Retire in the US?
Some places, while gorgeous, may strain your nest egg. For example:
- San Francisco, CA – Beautiful, but the most expensive place to retire in the US.
- New York City, NY – Culture-rich, but the costs are sky-high.
- Honolulu, HI – Paradise, but not for the financially faint of heart.
Tips for choosing the best places to retire in the US
When narrowing down the top 10 places to retire in the US, keep these factors in mind:
- Affordability: Look for areas within your budget. For example, Fort Wayne is the cheapest place to retire in the US, while Naples is more luxurious.
- Healthcare Access: Proximity to quality medical care is non-negotiable.
- Climate Preferences: If you love warm weather, focus on places like Sarasota or Charleston.
- Community & Culture: Ensure the area fits your lifestyle goals, whether you prefer peaceful surroundings or bustling city life.
Takeaways
Finding the best place to retire in the US is a personal adventure. What’s perfect for one retiree might not feel right for another. The secret is assessing your unique preferences, budget, and long-term plans. For those seeking affordable places to retire in the US, cities like Fort Wayne and Huntsville deliver excellent value. On the other hand, Sarasota and Naples might be the correct picks for cultural vibrancy or luxury.
Retirement is personal—and so is the ideal place to enjoy it. The 10 best places to retire in the US for 2024 offer something for everyone, whether you prioritize affordability, weather, or lifestyle.
Key Considerations:
- Prioritize what matters most: climate, cost, community, care.
- The cheapest places to retire in the US still offer great amenities.
- Don’t overlook the best places to retire in the US for retirees on a budget.
- Visit potential retirement cities before making a move.
- Look beyond the obvious—sometimes the hidden gems offer the most significant rewards.
Feeling overwhelmed? That’s where my expertise as a retiree advocate comes in. Need tailored advice or help navigating options? Comment below—I’d be thrilled to help you say hello to your dream retirement destination.
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