Retirement planning is about more than just saving money. It’s about choosing the right place to live your next chapter.
For many Americans, the question isn’t whether they can retire, but where they should retire.
Some retirees look to retire abroad. But the United States offers a wide variety of cities that balance affordability, healthcare access, lifestyle amenities, and safety, all of which are critical factors for retirees.
While Florida and Arizona remain classics, new destinations like Asheville, NC, and Madison, WI are climbing the rankings thanks to affordability, healthcare, and culture. Whether you’re seeking beaches, mountains, vibrant arts, or peaceful small-town charm, the best cities to retire in the USA in 2025 are more diverse than ever.
But don’t stress. There’s a city tailored to your retirement dreams. Here’s our list of the top ones to consider:
Article Highlights
- Affordability, healthcare, and lifestyle amenities are top priorities for retirees in 2025.
- Florida, Arizona, and North Carolina cities continue to shine, but smaller and emerging cities are offering hidden value.
- Healthcare access is a major differentiator, with cities like Madison, WI, and Naples, FL ranking highly.
- Safety and climate remain key considerations, particularly for seniors looking for peace of mind.
- Emerging destinations like Lancaster, PA, and Albuquerque, NM provide budget-friendly yet high-quality options.
Methodology: How We Ranked the Best Cities to Retire in 2025
Our rankings are based on a combination of sources:
- U.S. Census Bureau data on housing affordability and demographics.
- Numbeo and Sperling’s Best Places for cost of living indices.
- Medicare.gov and U.S. News hospital rankings for healthcare quality.
- FBI Uniform Crime Reports for safety.
- Climate data from NOAA and local quality-of-life surveys.
Ranking Criteria
Each city was evaluated across five categories:
- Affordability (30%) – Housing costs, overall living expenses, taxes.
- Healthcare (25%) – Hospital access, quality ratings, Medicare availability.
- Safety (20%) – Crime rates and senior-friendly neighborhoods.
- Climate (15%) – Comfort index, weather variety, natural disaster risk.
- Lifestyle (10%) – Cultural amenities, senior activities, community engagement.
What Makes a City Retirement-Friendly?
Cost of Living and Housing
Retirement budgets stretch further in cities with affordable housing and everyday expenses.
For example, Lancaster, PA, and Albuquerque, NM, both provide median home prices well below the national average, making them ideal for retirees seeking financial stability. Affordable housing ensures retirees can dedicate more of their income to experiences rather than bills.
Healthcare Access and Quality
Healthcare is a top concern for retirees, and not all cities are equal.
Madison, WI, is home to the University of Wisconsin Hospital, consistently ranked among the nation’s best. Naples, FL, also offers excellent healthcare with multiple top-rated hospitals. Access to Medicare Advantage plans, specialists, and senior-friendly care is critical in determining retirement suitability.
Safety and Climate
Safety is peace of mind. Cities with low crime rates and safe neighborhoods—such as Boise, ID, and Scottsdale, AZ—rank high on retirement lists.
Climate also plays a role. Many retirees prefer warm, sunny locations like Florida or Arizona, but others seek four-season variety, as found in Asheville, NC, or Madison, WI.
Amenities and Lifestyle Options
Retirement isn’t just about surviving — it’s about thriving.
Cities with robust arts, culture, and recreation options provide richer lifestyles. Charleston, SC, offers historic charm and coastal beauty, while Austin, TX, provides live music, food culture, and active community life.
How to Choose the Best City for You
Prioritizing Needs vs Wants
Start by making a list of non-negotiables (budget, healthcare) versus lifestyle preferences (arts, climate).
Visiting Cities Before Relocating
Spend time in your shortlisted cities before committing. Stay in rental housing, visit hospitals, and explore neighborhoods.
Using Comparison Tools
Leverage retirement calculators and cost-of-living tools to compare cities side by side. Many financial planning websites and relocation services offer free resources.
Top 10 Best Cities to Retire in USA in 2025
1. Sarasota, FL
HERO Snapshot:
| Factor | Details |
|---|---|
| Avg. Monthly Cost (Couple) | $3,200–$3,800 |
| Healthcare | Sarasota Memorial Hospital (top regional), strong Medicare Advantage availability |
| Climate & Safety | Warm, coastal; hurricane risk but safe neighborhoods |
| Lifestyle | Beaches, arts, retiree-friendly communities |
Sarasota has long been a retiree favorite, and it continues to hold the crown in 2025.
Situated on Florida’s Gulf Coast, the city offers white-sand beaches, a strong cultural scene, and warm year-round weather.
Retirees enjoy the peace of knowing Florida levies no state income tax, helping stretch retirement dollars further. Housing prices are higher than in some nearby towns, but many consider the premium worthwhile for access to world-class amenities.
Healthcare is another standout factor. Sarasota Memorial Hospital consistently ranks among the best regional hospitals, giving seniors access to a wide range of specialties and advanced treatments. Medicare Advantage availability in the area is strong, and there’s a large network of doctors catering to retirees. This makes Sarasota one of the most senior-friendly cities in the country.
On the lifestyle side, Sarasota offers something for everyone.
The city is home to the Ringling Museum of Art, a thriving theater district, and abundant volunteer opportunities for retirees looking to stay engaged.
Gated retirement communities, senior activity centers, and wellness programs make it easy to integrate socially and stay active.
The biggest downside is affordability—housing costs and insurance rates are high, but many find the lifestyle and healthcare access worth the investment.
2. Scottsdale, AZ
HERO Snapshot:
| Factor | Details |
|---|---|
| Avg. Monthly Cost (Couple) | $3,000–$3,600 |
| Healthcare | Mayo Clinic nearby, excellent specialists |
| Climate & Safety | Desert climate; extremely hot summers; low crime |
| Lifestyle | Golf, luxury amenities, active outdoor lifestyle |
Scottsdale is often referred to as the “Beverly Hills of the Desert”.
But it’s not just luxury living — it’s also a practical retirement destination.
Known for its sunny climate, retirees can expect over 300 days of sunshine per year, making it a paradise for outdoor enthusiasts. Golf courses, hiking trails, and desert landscapes make Scottsdale an active retiree’s dream.
While the cost of living is higher than the national average, Arizona also benefits from relatively low property taxes, easing some financial pressure.
Healthcare in Scottsdale is exceptional.
The Mayo Clinic in nearby Phoenix is one of the best hospitals in the U.S., and Scottsdale itself has numerous medical centers specializing in geriatric care. Access to high-quality healthcare makes Scottsdale especially appealing for retirees managing chronic conditions. Seniors also benefit from a robust Medicare Advantage market, ensuring a range of affordable plan options.
From a lifestyle perspective, Scottsdale offers both luxury and accessibility.
Its arts district, high-end dining, and active social calendar mean retirees never run out of things to do.
Safety is another major plus—Scottsdale consistently ranks as one of the safest mid-sized cities in America.
The trade-offs are heat (summers can soar above 105°F) and affordability, but for those who value healthcare, safety, and active living, Scottsdale is one of the best picks.
3. Asheville, NC
HERO Snapshot:
| Factor | Details |
|---|---|
| Avg. Monthly Cost (Couple) | $2,800–$3,200 |
| Healthcare | Mission Health system; solid Medicare Advantage coverage |
| Climate & Safety | Four seasons; moderate safety |
| Lifestyle | Arts, music, farm-to-table dining, hiking |
Asheville is the crown jewel of North Carolina’s Blue Ridge Mountains.
Known for its four-season climate, it appeals to retirees who want mild winters, colorful autumns, and lush summers. Asheville’s downtown is buzzing with life, filled with art galleries, craft breweries, and locally owned restaurants.
Retirees who prioritize cultural vibrancy will feel right at home.
Housing costs are slightly above the national average, but lower than coastal alternatives, making Asheville a balanced choice.
Healthcare in Asheville is anchored by Mission Health, which provides comprehensive hospital and specialty services. The system has expanded significantly in recent years to meet the needs of a growing retiree population. Accessibility to healthcare specialists is improving, and retirees benefit from robust Medicare Advantage coverage in the region. This combination of good care and affordability makes Asheville increasingly attractive.
Lifestyle is where Asheville really shines.
Retirees can enjoy weekly farmer’s markets, outdoor concerts, and hiking trails in the Blue Ridge Parkway.
Community groups, including arts and senior centers, make it easy to stay socially connected. Asheville is also considered progressive and inclusive, appealing to retirees seeking a welcoming atmosphere. T
he only drawbacks are humidity in the summer and higher healthcare costs than some nearby cities, but the lifestyle value is hard to beat.
4. Naples, FL
HERO Snapshot:
| Factor | Details |
|---|---|
| Avg. Monthly Cost (Couple) | $3,500–$4,200 |
| Healthcare | NCH Healthcare System; advanced cardiac & orthopedic care |
| Climate & Safety | Warm, coastal; very safe, higher insurance costs |
| Lifestyle | Luxury retirement, beaches, cultural amenities |
Naples is synonymous with luxury retirement, but it offers far more than golf courses and gated communities.
Located on Florida’s Paradise Coast, Naples provides access to some of the most pristine beaches in the U.S. Housing costs are among the highest on this list, but retirees are drawn here for the quality of life, safety, and prestige. The lack of state income tax in Florida helps offset some of the high living expenses.
Healthcare in Naples is a key selling point.
The city has multiple top-rated hospitals, including NCH Healthcare System, which offers advanced cardiac and orthopedic care. The area is well-equipped for retirees who require specialized medical attention, and Medicare Advantage plan penetration is high.
This strong healthcare infrastructure makes Naples one of the best healthcare-focused retirement cities in the nation.
The lifestyle in Naples is hard to beat.
Beyond beaches, retirees can enjoy theater, art galleries, and luxury dining. The city is also very safe, with numerous gated communities and active senior centers.
Downsides include high insurance premiums (especially for coastal properties) and a rising cost of living, but retirees who can afford it often say Naples offers the ultimate in comfort and security.
5. Charleston, SC
HERO Snapshot:
| Factor | Details |
|---|---|
| Avg. Monthly Cost (Couple) | $3,000–$3,600 |
| Healthcare | MUSC (teaching hospital), strong regional care |
| Climate & Safety | Warm/humid; hurricane risk; mixed safety in urban areas |
| Lifestyle | Historic charm, dining, arts, boating |
Charleston is one of America’s most charming and historic cities, making it a favorite for retirees who value culture and coastal living.
The city offers a blend of historic preservation and modern amenities, with cobblestone streets, world-class dining, and a thriving tourism industry.
Housing is moderately expensive, but still cheaper than Naples or Sarasota, making it attractive for those seeking Southern charm without Florida’s price tag.
Healthcare in Charleston is supported by institutions like the Medical University of South Carolina (MUSC), one of the top teaching hospitals in the Southeast. Seniors have access to quality care and multiple options for Medicare Advantage coverage. While healthcare is excellent, Charleston does have higher insurance premiums due to hurricane risk, which retirees should factor into their budgets.
The lifestyle in Charleston is rich and rewarding.
Retirees can enjoy coastal recreation, including boating and fishing, alongside cultural staples like the Spoleto Festival. Charleston’s warm climate appeals to those seeking milder winters, though humid summers can be uncomfortable. Safety is generally good, though urban neighborhoods vary.
Overall, Charleston offers an excellent mix of affordability, healthcare, and culture.
6. Boise, ID
HERO Snapshot:
| Factor | Details |
|---|---|
| Avg. Monthly Cost (Couple) | $2,500–$3,000 |
| Healthcare | St. Luke’s Health System; good access for everyday needs |
| Climate & Safety | Four seasons; safe and community-oriented |
| Lifestyle | Outdoor recreation, strong community, farmer’s markets |
Boise has steadily climbed the retirement rankings thanks to its safety, affordability, and outdoor lifestyle.
The city offers four seasons with relatively mild winters compared to the Midwest.
Housing prices have risen in recent years, but Boise still provides more affordable living than coastal retirement hubs. Property taxes are also lower, helping retirees maximize fixed incomes.
Healthcare access in Boise is strong, with the St. Luke’s Health System providing comprehensive care and multiple specialized clinics. Seniors benefit from solid Medicare Advantage options, though access to some highly specialized treatments may require travel to larger cities. For day-to-day healthcare, Boise’s infrastructure is more than sufficient.
Lifestyle is where Boise excels.
Retirees who love the outdoors can hike, fish, ski, or bike within minutes of home.
The city also has a strong sense of community and a growing cultural scene, including farmer’s markets, art fairs, and concerts. The city’s reputation for safety adds peace of mind, and while growth has driven housing prices up, it remains a more affordable choice compared to many cities on this list.
7. Austin, TX
HERO Snapshot:
| Factor | Details |
|---|---|
| Avg. Monthly Cost (Couple) | $3,200–$3,800 |
| Healthcare | St. David’s, UT-affiliated hospitals; robust care |
| Climate & Safety | Hot summers; moderate safety |
| Lifestyle | Live music, food, cultural capital of Texas |
Austin is often considered one of the most dynamic cities in the U.S. It’s an appealing destination for retirees who want an active, youthful environment.
Known as the “Live Music Capital of the World,” Austin offers endless entertainment.
While the cost of living is higher than many other Texas cities, retirees benefit from no state income tax and strong healthcare systems.
Healthcare in Austin is supported by multiple top-tier hospitals, including St. David’s Medical Center and facilities affiliated with the University of Texas. Access to specialized care is easy, and Medicare Advantage plan penetration is strong. This ensures seniors have options for affordable coverage while staying in a city with modern medical infrastructure.
Lifestyle in Austin is vibrant and social.
From outdoor recreation at Lady Bird Lake to food festivals and cultural events, retirees who thrive on community engagement will find no shortage of activities.
The downsides include high summer temperatures and traffic congestion.
However, for retirees who value culture, healthcare, and a youthful energy, Austin stands out as a unique retirement destination.
8. Madison, WI
HERO Snapshot:
| Factor | Details |
|---|---|
| Avg. Monthly Cost (Couple) | $2,900–$3,400 |
| Healthcare | UW Hospital (nationally ranked), excellent Medicare Advantage |
| Climate & Safety | Four seasons; cold winters; moderate safety |
| Lifestyle | Lakes, biking, arts, university-town culture |
Madison is a surprising entry on this list, but it excels in healthcare and quality of life.
The city offers four-season living and affordability compared to coastal hubs. Housing is moderately priced, and retirees benefit from the city’s emphasis on community planning and livability. Madison’s reputation as a university town also ensures access to cultural amenities at an affordable cost.
Healthcare is Madison’s crown jewel.
The University of Wisconsin Hospital and Clinics consistently rank among the nation’s best, offering advanced treatment and research-backed care. For retirees with chronic health concerns, Madison provides peace of mind. The Medicare Advantage network is robust, giving seniors multiple affordable options for supplemental coverage.
Lifestyle in Madison is diverse.
Retirees enjoy lakefront living, outdoor activities like biking and kayaking, and a rich arts and food scene. The city is inclusive and progressive, attracting retirees who value community engagement.
The main drawback is winter weather—long, cold, and snowy—but many consider the trade-off worthwhile for healthcare and cultural richness.
9. Lancaster, PA
HERO Snapshot:
| Factor | Details |
|---|---|
| Avg. Monthly Cost (Couple) | $2,300–$2,800 |
| Healthcare | Penn Medicine Lancaster General Health; affordable care |
| Climate & Safety | Four seasons; moderate safety |
| Lifestyle | Amish heritage, revitalized downtown, affordability |
Lancaster is an emerging retirement gem that combines affordability with community living.
Housing costs are well below the national average, and retirees can purchase homes at a fraction of the cost of Florida or Arizona. Lancaster also offers access to both rural charm and urban amenities, making it a flexible option for different lifestyles.
Healthcare in Lancaster is supported by Penn Medicine Lancaster General Health, which provides high-quality care for retirees.
The region also has a growing number of retirement communities, many of which provide wellness services and assisted living options. For seniors on a budget, healthcare is accessible and affordable.
Lifestyle in Lancaster is unique.
Known for its Amish heritage and rolling farmland, the city also has a revitalized downtown with restaurants, theaters, and art galleries. Retirees who value community engagement and affordability find Lancaster attractive.
Downsides include cold winters and fewer big-city amenities, but many see this as part of its charm.
10. Albuquerque, NM
HERO Snapshot:
| Factor | Details |
|---|---|
| Avg. Monthly Cost (Couple) | $2,200–$2,700 |
| Healthcare | UNM Hospital; adequate everyday care |
| Climate & Safety | Mild desert climate; safety varies by neighborhood |
| Lifestyle | Cultural diversity, outdoor activities, balloon festivals |
Albuquerque rounds out the list as one of the most affordable retirement cities in 2025.
Housing costs are among the lowest on this list, and retirees can comfortably live on $2,200–$2,700 per month. The mild desert climate is another draw, offering sunny days and cooler nights. Property taxes are low, helping stretch retirement dollars further.
Healthcare in Albuquerque is centered around the University of New Mexico Hospital, which provides quality care and senior services. While specialized treatments may require travel, most retirees find the system sufficient for everyday needs. Medicare Advantage options are available, though not as expansive as in larger metro areas.
Lifestyle in Albuquerque is rich in culture and outdoor recreation.
Retirees can explore Native American heritage sites, enjoy hot air balloon festivals, or take advantage of nearby hiking trails.
Safety is mixed—some neighborhoods are less secure—but retirees can find safe communities within the metro area.
Overall, Albuquerque offers one of the best combinations of affordability and cultural vibrancy for retirees on a budget.
Quick look: Best Retirement Cities comparison
| City | Avg. Monthly Cost (Couple)* | Healthcare Quality | Climate & Safety | Lifestyle Highlights |
|---|---|---|---|---|
| Sarasota, FL | $3,200–$3,800 | Strong – Sarasota Memorial Hospital | Warm, coastal; safe neighborhoods | Beaches, arts, active retiree communities |
| Scottsdale, AZ | $3,000–$3,600 | Excellent – Mayo Clinic nearby | Sunny, desert; low crime | Golf, luxury living, outdoor recreation |
| Asheville, NC | $2,800–$3,200 | Good – Mission Hospital System | Four-season; moderate safety | Artsy downtown, Blue Ridge Mountains, food culture |
| Naples, FL | $3,500–$4,200 | Excellent – Top-rated hospitals | Warm, coastal; safe | Luxury living, beaches, healthcare hub |
| Charleston, SC | $3,000–$3,600 | Good – Multiple regional hospitals | Warm, humid; moderate safety | Historic charm, dining, coastal lifestyle |
| Boise, ID | $2,500–$3,000 | Good – St. Luke’s Health System | Four-season; very safe | Outdoor sports, community living |
| Austin, TX | $3,200–$3,800 | Good – Multiple top hospitals | Warm, hot summers; moderate safety | Music, food, cultural capital |
| Madison, WI | $2,900–$3,400 | Outstanding – UW Hospital & Clinics | Four-season; moderate safety | Lakes, culture, healthcare excellence |
| Lancaster, PA | $2,300–$2,800 | Good – Regional medical centers | Four-season; moderate safety | Affordability, community living, history |
| Albuquerque, NM | $2,200–$2,700 | Good – UNM Hospital | Mild desert climate; moderate safety | Affordability, cultural diversity, outdoor recreation |
Most Affordable Retirement Cities in 2025
Low-Cost Housing Markets
- Lancaster, PA: Median home prices well below national average.
- Albuquerque, NM: Affordable rentals and housing make it budget-friendly.
Budget-Friendly Amenities
Both cities offer inexpensive dining, cultural activities, and public transportation, allowing retirees to live comfortably on $2,000–$2,500/month.
Best Cities for Healthcare Access
Cities with Top Hospitals
- Madison, WI: University of Wisconsin Hospital ranks among the best nationally.
- Naples, FL: Multiple top-rated hospitals in close proximity.
Medicare Advantage Availability
Cities like Sarasota and Scottsdale have strong Medicare Advantage networks, making healthcare more affordable and accessible for retirees.
Best Cities for Lifestyle and Culture
Arts and Entertainment Cities
- Asheville, NC: Known for music, arts, and culinary scene.
- Austin, TX: World-famous live music capital.
Outdoor Recreation Cities
- Boise, ID: Hiking, fishing, and outdoor sports abound.
- Charleston, SC: Beaches and coastal recreation at your doorstep.
Safest Retirement Cities in 2025
Low-Crime Cities
Boise, ID, and Scottsdale, AZ, consistently report low crime rates, making them secure choices for retirees.
Safe Neighborhoods for Seniors
Cities like Sarasota and Naples also have neighborhoods designed with senior safety in mind, including gated communities and active retirement villages.
Emerging Retirement Destinations
Hidden Gems with Growth Potential
- Lancaster, PA: Affordable, community-oriented living.
- Albuquerque, NM: Low costs and cultural vibrancy.
Lesser-Known Affordable Options
These cities aren’t yet crowded retirement hubs, meaning early movers can take advantage of affordability before popularity drives up prices.
Conclusion: Finding the Best City to Retire in 2025
The best cities to retire in USA in 2025 balance affordability, healthcare, safety, and lifestyle.
From Sarasota’s beaches to Madison’s hospitals, retirees have diverse choices. Smaller, affordable cities like Lancaster and Albuquerque also provide hidden gems worth exploring.
Ultimately, the best city is the one that aligns with your financial situation, healthcare needs, and lifestyle goals.
By prioritizing what matters most and visiting cities in advance, you can confidently choose a location that supports a fulfilling and enjoyable retirement.
Want to retire abroad? Take a look at our best places to retire abroad guide.
FAQs
What is the #1 city to retire in USA in 2025?
Sarasota, FL, is widely considered the best city to retire in 2025, thanks to its beaches, cultural amenities, and strong healthcare access.
What city has the best healthcare for retirees?
Madison, WI, and Naples, FL, rank highest for healthcare quality and access in retirement.
What is the cheapest city to retire in USA?
Albuquerque, NM, and Lancaster, PA, stand out for affordability, with housing costs well below the national average.
Where do most retirees move in 2025?
Florida remains the most popular state, with Sarasota and Naples leading the way. Asheville, NC, and Scottsdale, AZ, are also attracting retirees in large numbers
