50 Best Places to Retire in the U.S. in 2025

Dr. Seuss’s “Oh, the Places You Will Go” is a classic graduation present, but the beloved book could just as easily be gifted to a retiree.

It’s all about life’s challenges and joys, and the need to learn from mistakes. It’s perfect for anyone pondering retirement, with the opportunities it presents, the many decisions it requires. Look for a part-time job? Stay in your home or downsize? Move to a different city? And which city—there are so many things to consider between housing costs, adequate health care, and cultural activities.

Retirement came to me suddenly five years ago. My company offered a buyout so significant it was impossible to pass up. With some persuasion from my family, I signed the papers, cleaned out my desk, and joined the ranks of the retired. But then what?

Financially, I was comfortable, and freelancing allowed me to keep working at my own pace. Maintaining our home was a source of stress, so in the first few months, options for downsizing or relocating were a priority—though ultimately put off for a couple of years thanks to a low interest rate from a recent refinance.

We traveled—the long-awaited cruise to Alaska, Maui as often as possible. And there was more time to pursue passions. I even joined a group for senior tap dancers.

But in the end, the biggest decisions revolved around where to live—and that’s still a work in progress. The first step was downsizing to an apartment, and though I never thought it would happen, becoming a snowbird. But my partner is clamoring for more time in the sun and my daughter just announced she’s moving to Miami, so pulling up stakes might be in the cards. As Dr. Seuss wrote, “You have brains in your head … you can steer yourself any direction you choose.”

To help you take that first step, Travel + Leisure and Investopedia teamed up to compile a list of the 50 best places to retire in the U.S., broken down by region. — Barbara Schuler

Destinations by Region

Top 50 Places to Retire in the U.S. in 2025

Destinations in the Northeast

Hermitage, Pennsylvania

This small city is located in the northwestern part of the state, about 70 miles from Pittsburgh. The area offers abundant outdoor recreation, including boating, fishing, and swimming on the Shenango River Lake. There’s also the 300-acre Buhl Park, which has a public golf course, picnic areas, walking and running trails, gardens, and playgrounds. The city is about 20 miles from Youngstown, Ohio, which has several museums, a performing arts center, a planetarium, a casino, and a horse-racing track.

With a population of 15,816, Hermitage offers small-town charm, historic sites, and a county-wide median home value of $153,600. Mercer County’s 11 hospitals and 276 health care establishments provide accessible medical care. Another plus: Pennsylvania does not tax withdrawals from IRAs or 401(k)s. To top it off, the county is also known for tax-free shopping at the Grove City Premium Outlets.

Johnstown, Pennsylvania

Johnstown is known to many for the 1889 flood that killed more than 2,200 people, now commemorated by the Johnstown Flood National Memorial and the Johnstown Flood Museum. In addition to the museum, the Johnstown Discovery Network oversees the Heritage Discovery Center, the Children’s Museum, the Wagner-Ritter House, and the Stone Bridge, all of which tell stories of immigration, the flood, and the steel industry.

Johnstown features a variety of colorful murals around town, and the Pasquerilla Performing Arts Center hosts concerts, ballets, and theater performances. Other notable happenings include the Johnstown PolkaFest, an annual two-day music festival, and events celebrating diversity, the arts, and agriculture.

Founded in 1804, Johnstown is the largest city in Cambria County, with a population of 17,809. It is situated about 80 miles from Pittsburgh International Airport. The median home value in the county is $115,900. Residents have access to six area hospitals and 266 health care establishments. Withdrawals from pre-tax accounts are not taxable in Pennsylvania, potentially a significant saving for state residents.

Altoona, Pennsylvania

With a population of 42,418, Altoona is the largest of the three Pennsylvania cities on this list, as well as the largest in Blair County, located in the central part of the state. Outdoor activities are plentiful, and Canoe Creek State Park provides opportunities for boating, fishing, and hiking. In winter, skiing and other snow sports are popular, as are mountain biking and golf in the summer. ArtsAltoona supports community activities in art, theater, music, and education, and events, plays, and other enrichment opportunities are offered at Penn State University, about 45 miles away. Altoona’s growth is closely tied to the Pennsylvania Railroad, and railroad buffs enjoy visiting Horseshoe Curve National Historic Landmark, a railroad link considered to be an engineering marvel.

Altoona is about a 2.5-hour drive from Pittsburgh International Airport. Affordable real estate is available in the Blair County area, with a median home value of $156,700. With 12 area hospitals and 293 health care establishments, residents have convenient access to medical care as well. Like everywhere in Pennsylvania, withdrawals from pre-tax accounts are not subject to state tax.

Utica, New York

Utica is set in the Mohawk Valley along the Erie Canal, which dates back to 1825. Today, visitors can enjoy the canal for boating, kayaking, and scenic cruising. A bike path, part of the 750-mile Empire State Trail, follows much of its route. Concerts, hockey games, ice-skating shows, and special events are held in the Adirondack Bank Center at the Utica Memorial Auditorium, which was built in 1959. (Fun fact: New York City’s Madison Square Garden was modeled after the Auditorium.) Residents enjoy outdoor activities year-round, from snow sports in the winter to golf, hiking, and biking in the warmer months.

With a population of 63,089, Utica is located in Oneida County, about 90 miles from Albany, the state capital. The median home value is $171,100. Health care is provided through the county’s 14 hospitals and 379 health care establishments. And while Social Security income is not taxable, withdrawals from pre-tax accounts are partially taxed.

Union, New York

Union, which dates back to Revolutionary times, is located in Broome County, in south-central New York, near the Pennsylvania border. The village of Endicott is the birthplace of IBM and the Endicott Johnson Shoe Company, once the world’s largest shoe manufacturer. The Endicott History and Heritage Center tells the stories of those companies with photos and artifacts.

Less than eight miles from Union, Binghamton University provides athletic and cultural events as well as continuing-education opportunities. The Bundy Museum of History & Art and the Roberson Museum and Science Center are found in Binghamton. Ross Park Zoo and Cider Mill Stage are both nearby. For hiking, waterfalls, forests, and natural beauty, IBM Glen provides 200 acres of outdoor activities.

Today, the city has a population of 53,821. The median county home value is $145,100. Social Security income is not taxed by the state of New York, but withdrawals from pre-tax accounts are partially taxable.

Springfield, Massachusetts

Located in the southwestern part of the state, Springfield is the largest city in Hampden County and the third-largest city in Massachusetts, with a population of 153,337. Billed as “The City of Firsts,” it’s the birthplace of basketball and of Theodor Geisel (a.k.a. Dr. Seuss). According to the city’s website, “the economy is growing, businesses are flourishing, and public spaces are being made more vibrant every day.” The median home value in Hampden County is $276,300, and medical care is accessible through 22 hospitals and 683 health care establishments. The state of Massachusetts does not tax Social Security income, but withdrawals from pre-tax accounts are taxable.

MGM Springfield has a casino, a cinema, concert venues, restaurants, and a hotel. Other area attractions include the Basketball Hall of Fame; the MassMutual Center, an events venue; Storrowton Village Museum; the Zoo in Forest Park; and Six Flags New England. Springfield is set along the Connecticut River, and the nearly four-mile paved Connecticut River Walk and Bikeway provides a scenic place to bike, run, walk, or skate. Recreational boating is available at Riverfront Park, too.

Conway, New Hampshire

With a population of 10,340, the small town of Conway is one of the largest communities in Carroll County. It is located on the eastern side of the state, near the White Mountain National Forest and the border with Maine. The 34-mile Kancamagus Highway, considered one of the nation’s most scenic for its waterfalls and colorful fall foliage, begins just west of town. Echo Lake State Park in North Conway offers hiking, camping, swimming, and biking, and in the winter, there’s skiing, snowmobiling, ice fishing, and dog-sledding—plenty of year-round activities for residents. The Salyard Center for the Arts, supported by the Conway Historical Society, offers a variety of events from April to December.

The median home value in Carroll County is $348,900, the highest on this list. The county has two hospitals and 82 health care establishments. New Hampshire does not tax Social Security income or withdrawals from pre-tax accounts, an attractive benefit for retired residents.

Vineland, New Jersey

Located in the southern part of the state in Cumberland County, Vineland is an agricultural area about 40 miles from Philadelphia. The city of 61,126 is described as a “culturally diverse community filled with wonderful, giving people, a friendly business environment, and a cost of living well below the state average,” according to its website. (The county’s median home value is $205,600.) Vineland was named one of the top 10 most affordable small cities in the country by the National Association of Home Builders, with a variety of housing styles available, including over-55 communities, assisted living facilities, and nursing homes. Three hospitals and 248 health care organizations serve its residents.

Nearby Parvin State Park has lakes for boating and fishing, wooded trails, and places for camping, picnicking, and wildlife viewing. In addition, parks and recreational areas offer golf courses, soccer fields, and walking paths. Rowan College provides continuing-education opportunities as well as a performing-arts center. New Jersey taxes withdrawals from pre-tax accounts, but Social Security income is not taxable.

Concord, New Hampshire

Concord, New Hampshire’s capital, is located in Merrimack County, in the central part of the state. It has a lively downtown with restaurants, shops, galleries, public art, and a full schedule of events. Outdoor activities are plentiful, from the numerous hiking trails to the Contoocook River, which offers boating, fishing, kayaking, and paddleboarding.

The Capitol Center for the Arts presents concerts, theater, dance, and films as well as educational opportunities. Dedicated to Christa McAuliffe, the Concord teacher who died in the Space Shuttle Challenger disaster in 1986, and astronaut Alan Shepard, the McAuliffe-Shepard Discovery Center is an air and space museum.

With a population of 44,769, Concord is a major city in Merrimack County. Residents enjoy convenient access to health care with 40 hospitals and 252 medical establishments in the county. The median home value in the county is $330,600. New Hampshire does not tax Social Security income or withdrawals from pre-tax accounts.

Pittsfield, Massachusetts

Located in the western part of the state, Pittsfield is set in the Berkshires, an area known for the arts, theater, and music, especially Tanglewood, the summer home of the Boston Symphony Orchestra. The downtown Colonial Theatre, Barrington Stage Company, First Fridays ArtsWalk, and Berkshire Athenaeum library add to a rich cultural atmosphere. Many of the city’s homes and buildings are listed on the National Register of Historic Places.

The Pittsfield State Forest offers hiking, mountain biking, boating, fishing, and swimming as well as skiing and other snow sports in the winter. Two lakes—Onota and Pontoosuc—are also popular for outdoor activities.

With a population of 42,771, Pittsfield is the largest city in Berkshire County. Health care is available through five hospitals and 231 medical establishments. The median home value in the county is $283,800. The state of Massachusetts does not tax Social Security income, but withdrawals from pre-tax accounts are taxable.

Destinations in the Southeast

Waycross, Georgia

The median home value in Ware County, Georgia—home to the city of Waycross—is $106,500, significantly lower than the median home value for the entire U.S., which, in 2023, was $419,300. So, if you’re hoping to find a home for a decent price, Waycross is a good place to start.

With a population of just 13,643, Waycross feels like a small town, but its residents have access to 10 hospitals and 120 other health care establishments within the area. They’re also within driving distance of a major airport, across the state border in Jacksonville, Florida. Plus, Waycross is located at the northern end of the Okefenokee National Wildlife Refuge, which offers a range of activities, from camping and hiking to canoeing, fishing, and wildlife spotting.

Danville, Virginia

By moving to Danville, Virginia, upon retirement, you’ll be able to keep your cost of living on the lower end of the spectrum. According to Investopedia, a house of two adults should expect to spend around $776 on housing, $1,058 on transportation, $586 on food, and $556 on taxes each month.

Danville’s highly anticipated casino opened at the end of 2024, but it’s still a place with small-town charm. Enjoy leisurely days exploring the Danville Riverwalk Trail, get a season pass to the Danville Symphony Orchestra, or bring friends and family to visit the Danville Museum of Fine Arts and History when they’re in town. Plus, with Danville sitting right at the North Carolina-Virginia border, major cities like Greensboro and Raleigh are within driving distance—just in case you ever crave a weekend getaway.

Litchfield Beach, South Carolina

Love the idea of living in a South Carolina beach town, but don’t want to pay Charleston-area prices? Litchfield Beach might just be the perfect place to retire. The 10,393-person town is an hour and a half from the Holy City and roughly three miles north of Pawleys Island, where you’ll find one of the best beaches in the state.

The median home value within Georgetown County is $262,300; for comparison, Charleston’s current median home listing is $650,000. Another green flag for Litchfield? The number of hospitals and health care facilities in the surrounding area—27 and 185, respectively. There’s also the fact that the community’s wide, gorgeous beach is easily accessible, so you can spend your time breathing in fresh ocean air, taking long walks, and swimming when the weather allows.

Wheeling, West Virginia

Founded in 1769, Wheeling is a historic destination in the northern panhandle of West Virginia. Given its location between Ohio and Pennsylvania, its closest major airport is actually Pittsburgh International, which is just an hour’s drive from the center of town.

The median home value in the larger Ohio County is $165,300, while monthly food costs for two adults are estimated to be $612.

What else makes Wheeling such a great place to retire? For starters, there are plenty of arts, entertainment, and recreation establishments in the county; we counted 53 (think places like the Capitol Theatre, home of the Wheeling Symphony Orchestra, and the Wheeling Heritage Port Amphitheater). Wheeling is also well positioned for anyone interested in outdoor activities; walk along the Wheeling Creek Water Trail, kayak in the Ohio River, or go mountain biking in Oglebay Park. It’s hard to grow bored in a place as multidimensional as the “Friendly City.

Natchez, Mississippi

Retirees searching for a walkable, affordable city should add Natchez, Mississippi, to their short list. The oldest city on the Mississippi River, Natchez is known for its history as well as its variety of attractions—with everything from museums and historical sites to live music, flower shows, and theater performances.

As far as affordability goes, let’s look at the hard numbers. The median home value in Adams County, where Natchez is the county seat, is just $106,300, and monthly housing costs are estimated to be at $592. Additionally, Mississippi residents aren’t taxed on their Social Security benefits or income from their IRA, 401(k), or pension.

Tryon, North Carolina

Tryon, North Carolina, may not be very big—it’s home to just 1,620 people—but it has more than a handful of reasons to call it home, especially for retirees. Located in the foothills of the Blue Ridge Mountains, the “Friendliest Town in the South” has a relatively low cost of living (the county median household income is $61,005), a unique equestrian history, and charming local boutiques and restaurants. It’s also flush in green spaces—check out Bryan Park, the Foothills Equestrian Nature Center, and Harmon Field—and typically experiences moderate winters.

All in all, Tryon is a solid pick for anyone seeking a peaceful way of living and all the comforts of a tight-knit community, which skews slightly older; the median age for Polk County comes in at 54.4, the highest of the destinations on this list.

Alexandria, Louisiana

Alexandria bills itself as a “small Southern city with big-city amenities.” It’s close to an airport (Alexandria International Airport, less than 10 miles away, is served by Delta and American Airlines)—and the number of nearby health care establishments and hospitals within Rapides Parish reaches nearly 500.

Other prominent Alexandria features include multiple golf courses and a zoological park; it’s also close to Kisatchie National Forest. Although Alexandria, known as the “heart of Louisiana,” is far from the coast, its residents take advantage of its location along the Red River and its proximity to lakes, marshes, and swamps. Canoeing, kayaking, and birding are also popular activities.

Sebring, Florida

You won’t find bustling nightlife or too many attractions in Sebring, but don’t count this Florida town—home to a population of 11,759—out just yet. In fact, it’s exactly this slower pace, paired with a low cost of living, that makes it one of the best places to retire in the Southeast. Of course, the Sunshine State as a whole is a popular choice for retirees. The warm weather is appealing, as are the financial benefits; Floridians aren’t taxed on their Social Security benefits or income from their IRA, 401(k), or pension.

Curious as to how you’ll stay busy in Sebring? The downtown district, filled with cafés, boutiques, and galleries, is on the National Register of Historic Places—and the Sebring International Raceway has racing events throughout the year.

Paducah, Kentucky

Paducah’s biggest claim to fame is its creativity. In 2013, it was designated a UNESCO Creative City for its rich history of quilt-making. The 26,623-person city is also home to the National Quilt Museum, the Paducah School of Art & Design, and the life-size “Wall to Wall” floodwall murals. The arts and cultural aspects of Paducah aren’t the only aspects of McCracken County that appeal to retirees, though. Its cost of living is also an important factor. The county’s median home value is $182,900, and monthly food costs for two adults are estimated to be around $569.

Transportation is another consideration; Barkley Regional Airport is technically the closest airport—and has direct flights to Charlotte Douglas International Airport—but there’s also Nashville International Airport, which is about a two-hour drive from town.

Paris, Tennessee

It may share a name with the famous French city—and even has a 70-foot replica of the Eiffel Tower—but Paris, Tennessee, considered the oldest incorporated town in West Tennessee, has a personality all its own. For starters, it’s a favorite among outdoorsy types. The Tennessee River is dammed to form Kentucky Lake, where you’ll find Paris Landing State Park, which is a haven for boating and fishing. And we’d be remiss to not mention the World’s Biggest Fish Fry, held in Paris every April at the Henry County Fairgrounds.

As far as affordability and other financial implications, Paris has a few things going for it. The median home value in Henry County is $145,200, and Tennessee residents aren’t taxed on their Social Security benefits or their income from their IRA, 401(k), or pension.

Destinations in the West

Pocatello, Idaho

Located in southeastern Idaho, Pocatello is the largest city in Bannock County, with a population of 58,606. Called the “Gateway to the Northwest,” Pocatello is set at an elevation of 4,462 feet above sea level, along the Portneuf River. The median home value in the county is $267,200, and the state of Idaho does not tax Social Security income—an advantage for retirees—although pre-tax withdrawals are taxable. Health care is available through 17 hospitals and 416 medical establishments in Bannock County.

With four distinct seasons, outdoor activities range from fishing, boating, hiking, mountain biking, swimming, perusing farmers markets, and concerts in the summer to skiing, snowboarding, and ice fishing come winter. At the L.E. and Thelma E. Stephens Performing Arts Center, residents can enjoy theater, dance, and concerts, and Idaho State University offers continuing education opportunities, sports events, and entertainment.

Historic downtown Pocatello has well-preserved architecture dating to the late 1800s as well as restaurants, art galleries, antique shops, and bakeries. Salt Lake City International Airport is about two hours away.

Butte-Silver Bow, Montana

With a population of 36,077, Butte-Silver Bow is a consolidated city-county government located in southwestern Montana. A mining camp in the 1860s, Butte is still nicknamed the “Richest Hill on Earth” for its mineral deposits, including copper and gold. Housing is affordable, with a median home value of $209,700, and both Social Security income and withdrawals from pre-tax accounts are taxable. Two hospitals and 24 health care establishments are available to serve county residents.

Butte hosts the annual Montana Folk Festival, with events on multiple stages, delicious food, and art markets in full view of the northern Rocky Mountains. The World Museum of Mining, located on an actual mine yard, highlights Butte’s mining legacy, and the Mineral Museum on the Montana Tech campus displays agate, sapphire, copper, zinc, and more. Downtown has historic buildings, including Victorian homes, as well as restaurants and hiking trails. Butte is located halfway between Glacier and Yellowstone national parks for convenient access to outdoor activities and beautiful places worth exploring.

Twin Falls, Idaho

Located in southern Idaho in a county by the same name, Twin Falls has a population of 55,896. With a median home value in the county of $292,700, housing is generally affordable. Social Security is not taxable in Idaho, but the state taxes withdrawals from pre-tax accounts. Ten hospitals and 462 medical establishments provide health care in the county.

The College of Southern Idaho, a large community college is located in Twin Falls, and three state universities offer classes on the campus. The CSI Fine Arts Center provides theater, music, entertainment, and a speaker series for the enrichment of local residents.

The Twin Falls website points out the city’s 1,650 acres of parks and open spaces, including trails, playgrounds, ball fields, and pools. The Perrine Bridge over Snake River Canyon offers panoramic views, and the Snake River Canyon Rim Trail is a popular place for hiking and biking. Water sports at Centennial Waterfront Park and Dierkes Lake attract residents and visitors alike. Nearby is Shoshone Falls, one of the largest natural waterfalls in the country, even higher than Niagara Falls.

Pomeroy, Washington

With a population of 1,439, Pomeroy is the smallest of the 10 destinations on this list. The town celebrates its history and maintains links to its past through the collection of antique farm equipment at the Eastern Washington Agricultural Museum and the Garfield County Museum. The quaint downtown National Historic District recalls the location’s history with buildings like the Seeley Theater and Opera House, the County Courthouse, and the Pomeroy Mercantile Building. The Pomeroy Chamber of Commerce sponsors several hometown-style events during the year, including Pioneer Day, the Garfield County Fair & Rodeo, and Spring Farming Days.

Buying a home in the area is generally affordable, with a median home value in the county of $214,200. Washington does not tax Social Security income or withdrawals from pre-tax accounts like IRAs or 40l(k)s. There’s one hospital in the county.

Omak, Washington

Located in north-central Washington, in the foothills of the Okanogan Highlands just 45 miles from the Canadian border, Omak has a population of 5,051, the largest city in Okanogan County. Residents’ health care needs are served by six hospitals and 64 medical establishments. The closest international airports are in Spokane and Kelowna—134 and 132 miles away, respectively. Housing is affordable, with the median home value in Okanogan County at $282,200. Plus, the state of Washington does not tax Social Security income or withdrawals from pre-tax accounts.

The agricultural area offers plenty of outdoor activities and a lively calendar of cultural events. During the summer, there are lakes, rivers, and beaches on the shores of Omak Lake for fishing, boating, and swimming. Nearby Conconully State Park and Bridgeport State Park have camping, hiking, boating, and wildlife spotting opportunities. Snowfall in winter brings skiing and snow sports. The annual Omak Stampede in August includes a carnival, a kids night, a Western & Native Art Show, and more. The Omak Film Festival and the Okanogan County Fair are popular events, and for more entertainment, there’s the Omak Performing Arts Center.

Great Falls, Montana

Named for five waterfalls on the Missouri River, Great Falls has a population of 60,414, making it the largest city in Cascade County. A popular tourist destination, Great Falls is located east of the Rocky Mountains, about halfway between Glacier and Yellowstone national parks. Outdoor activities include hiking, mountain biking, fishing, boating, and swimming in the summer, and skiing, snowmobiling, and ice fishing during the winter. Downtown, there’s public art, restaurants, shops, and a lively schedule of events.

The median home value in Cascade County is $243,300, and health care is available through the county’s 12 hospitals and 185 medical establishments. Social Security income is partially taxable, and Montana taxes withdrawals from pre-tax accounts. The Great Falls International Airport is less than 10 miles away, making air travel convenient for residents and attracting visitors to events like the Montana State Fair and museums such as the Lewis and Clark Interpretive Center and the C.M. Russell Museum of Western art.

Carson City, Nevada

The capital of Nevada, Carson City has a population of 57,819. The city is just east of Lake Tahoe along the Sierra Nevada Mountains. A mecca for outdoorsy types, Carson City offers hiking trails, mountain and city biking, golf courses, and an array of water sports. It’s also conveniently located near excellent slopes for skiing, snowboarding, snowmobiling, and snowshoe trekking in the winter months. The historic downtown features shops, restaurants, breweries, museums, and more.

The median home value in Carson City County is $426,700, and Nevada offers tax advantages, with no state income tax on Social Security income or withdrawals from pre-tax accounts. Reno-Tahoe International Airport is approximately 30 miles away, and Carson City is a short day trip from Lake Tahoe, Virginia City, Reno, and Fallon, where Frey Ranch Distillery offers tours and tastings. The annual Carson City Murals and Music Festival and Mark Twain Days Festival are favorite events for both locals and visitors.

Evanston, Wyoming

Evanston, located in the southwestern corner of Wyoming near the Utah border, has 11,822 residents. The city is set at an elevation of 6,749 feet, near the Wasatch Range, the Bear River Range, and the Uinta Mountains, which are known for alpine lakes, rugged terrain, wildlife, and, of course, breathtaking views. Camping, hunting, mountain biking, and hiking in the mountains, along with kayaking and fishing in the Bear River, are popular outdoor activities. In Evanston’s quaint downtown, residents enjoy shopping, dining, and historic buildings like the Uinta County Museum, which dates back to 1906.

The median home value in Uinta County is $255,400, and Wyoming residents enjoy tax-free treatment of Social Security income as well as withdrawals from pre-tax accounts. Two hospitals and 57 medical establishments provide health care for the county’s residents. Salt Lake City International Airport is a little over 80 miles from Evanston. Residents and visitors come out for the Professional Rodeo Cowboys Association rodeo during the annual Cowboy Days at the county fairgrounds.

Ontario, Oregon

With 11,907 residents, Ontario is the largest city in Malheur County. It’s located along the Snake River, on Oregon’s eastern border with Idaho, about halfway between Portland and Salt Lake City.

Known for the four rivers that converge there—the Snake, the Malheur, the Owyhee, and the Payette—the area offers kayaking, fishing, boating, and scenic beauty. Ontario’s walkable downtown, meanwhile, has restaurants, breweries, shops, galleries, and the Four Rivers Cultural Center. During the winter, nearby mountain resorts provide opportunities for skiing, snowboarding, sledding, and snowmobiling along hundreds of miles of trails.

The median home value in Malheur County is $221,300, and in Oregon, Social Security income is exempt from state income tax. Withdrawals from pre-tax accounts are taxable. Two hospitals and 58 medical establishments provide health care in the county. The international airport in Boise is roughly 60 miles away.

Pueblo, Colorado

Located approximately 100 miles south of Denver along the Rocky Mountains, Pueblo has a population of 110,803. Denver International Airport is 120 miles away. The median home value in Pueblo County is $271,800, and both Social Security income and withdrawals from pre-tax accounts are partially taxable in Colorado. Health care is provided through four hospitals and 368 medical establishments in the county.

Pueblo’s downtown features the Riverwalk, where visitors can shop, dine, and view more than 60 pieces of art, or take a guided history cruise. Pueblo Zoo is home to about 400 animals representing 140 species. Rosemount Museum is set in a 37-room mansion built in 1893, and nearly all furnishings and art are original, giving visitors a glimpse of the past during guided tours. Fishing, sailing, boating, hiking, picnicking, and river tubing are popular activities at Lake Pueblo State Park.

Destinations in the Southwest

Las Vegas, New Mexico

This is not the bustling Nevada destination—Las Vegas, New Mexico, is a relatively small town of 12,814. Instead of casinos and five-star hotels, this Vegas offers an incredible culture centered around history and outdoor recreation. As a local, you’ll spend time frequenting the quaint shops in the Old Town Historic District, visiting the Las Vegas National Wildlife Refuge, and boating, swimming, fishing, and bird-watching in nearby Storrie Lake State Park.

For those with retirement travel plans, consider the fact that the city is about 77 miles from Santa Fe Regional Airport. The median home value in San Miguel County comes in at just $177,600; the median home value for the entire U.S. in 2023 was $419,300. It’s also a good spot for anyone with health concerns; there are 33 hospitals and 45 health care establishments in the county.

Santa Rosa, New Mexico

Route 66 nostalgia persists in Santa Rosa, New Mexico, a town that appeared in the 1940 film adaptation of The Grapes of Wrath. Expect to encounter neon lights, throwback signs and buildings, and even a collection of vintage cars, gas pumps, and other memorabilia in the Route 66 Auto Museum. Located in Guadalupe County, between Albuquerque, New Mexico, and Amarillo, Texas, Santa Rosa is also known as the “Scuba Diving Capital of the Southwest”: It has the Blue Hole, an 81-foot-deep natural artesian spring that’s open year-round to scuba divers.

Santa Rosa, with a population of 2,742, earns points for low cost of living, which was calculated from county-level data. Median monthly housing in the county is $510, transportation runs $1,275, and food costs $603.

Hugo, Oklahoma

If you’ve always imagined yourself retiring by a lake—but are simultaneously hoping to keep your costs on the lower end of the spectrum—you may want to add Hugo, Oklahoma, to your short list. A popular destination for swimming, boating, fishing, and camping, Hugo Lake Park is located roughly seven miles east of town.

Hugo (population 5,199) sits squarely in the middle of Choctaw County, where the median home value is $119,700. Additionally, as an Oklahoma resident, your Social Security retirement benefits will not be subject to the state income tax. These potential savings could then be used for travel; if you’re planning on flying frequently in retirement, you’ll need to budget for gas. Texarkana Regional Airport and Dallas Love Field are technically the closest major airports to Hugo, but they’re each more than 100 miles away.

Port Arthur, Texas

The “official Cajun Capital of Texas” just might be your dream retirement destination, especially if you’ve always felt your happiest spending time outdoors. The Gulf Coast port city is located on Sabine Lake and the Sabine-Neches and Gulf Intracoastal Waterways, so fishing, kayaking, birding, and swimming are big in the area. Notably, Port Arthur is also just a 30-minute drive to Sea Rim State Park, where 5.2 miles of shoreline and more than 4,000 acres of marshland can be explored at leisure.

Other things to consider when retiring to Port Arthur—or other towns within Jefferson County—include the impressive number of health care facilities in the area (682); the fact that IRA, 401(k), and pension income are not subject to state tax in Texas; and the ease of travel, with its own airport that provides a connection to the hub of Dallas–Fort Worth; Houston’s airport is about two hours away.

Eagle Pass, Texas

Eagle Pass, Texas, sits right at the U.S.-Mexico border, across from its sister city, Piedras Negras. The largest town in Maverick County, Eagle Pass has 28,322 residents and one of the three casinos in the Lone Star State; the Kickapoo Traditional Tribe of Texas operates the Kickapoo Lucky Eagle Casino. When your friends and family come to visit, take them golfing on the municipal golf course or picnicking by Maverick County Lake. They may also enjoy seeing Fort Duncan Museum, located inside Fort Duncan Park.

With only two hospitals in Maverick County—and a 150-mile trek to the closest major airport, San Antonio International Airport—Eagle Pass may not be the best choice for those retirees anticipating larger health concerns or frequent travel. Still, Investopedia noted the medium-size town has county monthly taxes of just $470—the lowest of the destinations on this list. (Note Texas does not impose a state income tax.)

Longview, Texas

Like many places in the U.S., Longview, Texas, was founded as the railroad expanded. Since then, the 83,763-person destination has grown into an area that appeals to retirees because of its low cost of living, access to health care facilities, and roster of events and activities throughout the year. Take the Great Texas Balloon Race, for example. For more than 40 years, the hot-air balloon festival and competition has brought aerophiles to this corner of the world.

As far as financial considerations go, the median home value in Gregg County is $185,800. Texas does not tax Social Security benefits or IRA, 401(k), or pension income.

Parker, Arizona

If anyone knows how to deal with intense heat, it’s Arizonans—particularly those who live in the tiny town of Parker. When temperatures rise in the summer, you’ll find locals and visitors alike swimming, tubing, paddleboarding, and wakeboarding on the Colorado River. When there’s a reprieve from the sun, they’ll head out to Emerald Canyon Golf Course or the network of hiking trails in Buckskin Mountain State Park.

Even at just 3,393 residents, Parker is the largest town in La Paz County, where the median home value is $117,600. Similar to other more remote destinations on this list, it’s a place where retirees who plan to travel will need to account for additional transportation costs; Palm Springs International Airport and Phoenix Sky Harbor International Airport are the closest major airports to Parker, and they’re both more than 100 miles away. If you’re someone who plans to road-trip through your golden years, though, you’re in luck. Parker is about a two-hour drive from Joshua Tree National Park, and Arizona is home to a number of National Park Service monuments, memorials, recreation areas, and historic sites (plus, of course, the Grand Canyon).

Albuquerque, New Mexico

Retiring doesn’t have to mean living in a small community or coastal town. In fact, Albuquerque, the largest city in New Mexico, is one of the best places to retire in the Southwest. This distinction largely stems from its extensive access to health care facilities—there are 22 hospitals and 1,500 other health care establishments in Bernalillo County—and a relatively low cost of living. For those living in Bernalillo County, the median monthly food cost comes in at $627, while monthly taxes are $593.

By far, two of the biggest benefits of city living are the ease of travel and the number of arts and cultural opportunities. Major airlines serve Albuquerque International Sunport, and those who thrive in a place with museums, galleries, and theaters will feel perfectly fulfilled with the city’s offerings.

Muskogee, Oklahoma

Muskogee, Oklahoma, bills itself as a place where “Native American heritage and military history come together.” It has the Ataloa Lodge Museum’s private collection of Native American art, the Five Civilized Tribes Museum, and the War Memorial Park. Water-based activities are also popular, with the Arkansas River, Fort Gibson Lake, Lake Tenkiller, and Lake Eufaula all within driving distance.

The city—population 36,898—is in Muskogee County, where the median home value is $138,800 and the monthly food cost for two adults is $610. When looking at how far your retirement budget will go in the area, take note that monthly taxes will be around $616—and, because it’s Oklahoma, your Social Security benefits won’t be taxed.

Lake Havasu City, Arizona

Anyone moving to Lake Havasu City for retirement likely envisions spending as much time as possible outside. “Arizona’s Playground” has plenty to fill your meeting-less days—there’s everything from hiking trails and golf courses to mountain biking, fishing, swimming, and water sports. Its low cost of living is also enticing; in Mohave County, the median monthly housing cost is $914, well below the national average.

You may also need to factor health care facilities into your moving decision. If that’s the case, keep in mind that Mohave County has nine hospitals and 391 other health care establishments.

Destinations in the Midwest

Gregory, South Dakota

Tranquility and a strong sense of community are the main draws in this small town in south central South Dakota. Multiple parks, a golf course, and proximity to the Missouri River provide its 1,219 full-time residents with plenty of ways to stay active and enjoy the outdoors.

Another reason to consider settling down there is affordability. Gregory County has one of the most affordable housing markets on this list, with the county median home value at just over $129,000 and estimated monthly food costs at $645. Additionally, South Dakota doesn’t tax Social Security benefits, and it’s one of the states with zero tax on any other type of retirement income.

Toledo, Ohio

“The Glass City” has drawn attention in recent years for being a haven for retirees, thanks to its affordable cost of living and sizable senior community; almost 16 percent of the city’s population (263,646 residents) is 65 or over. The median home value in Lucas County is $155,200, with monthly housing costs running in the mid-$900s and monthly food expenses at approximately $600. For seniors concerned about access to health care, Toledo offers a wide range of service providers and facilities, including more than 80 hospitals in the county.

However, the city’s appeal is broader: It has sports venues, 19 parks, and 200 miles of hiking trails—not to mention nearby Lake Erie.

Poplar Bluff, Missouri

As the gateway to the Ozarks, this small southeast Missouri town is a haven for nature enthusiasts. The number of natural landmarks in the area is astounding—from the Mark Twain National Forest, which surrounds the town, and Elephant Rocks State Park, with its billion-year-old rock formations, to Greer Spring, Missouri’s second-largest spring, and the beautiful Mingo National Wildlife Refuge, a 21,000-acre reserve that’s open for hiking, fishing, and bird-watching. The destination also has a lovely historic downtown with independent shops and restaurants, while those seeking a bit more culture may be interested in the Margaret Harwell Art Museum, which displays local and state talent.

Relocating to Poplar Bluff, which is home to about 16,000 full-time residents, is also fairly affordable. Within Butler County, the median home value is $138,800, and the monthly taxes are $587. Missouri doesn’t tax Social Security income, but other forms of retirement income are at least partially taxed.

Corning, Iowa

Corning may be one of the smallest towns on this list, but that doesn’t mean it lacks recreational or cultural offerings. The destination has its own opera house, a National Historic Register gem built more than a hundred years ago. Just three miles east is the French Icarian Village, settled in the 1800s by a group of French people who started a utopian community based on egalitarianism. The village now acts as a museum with artifacts in restored buildings.

Outdoor enthusiasts are also in luck: Just a few miles outside of town is the 650-acre Lake Icaria, which has a beach, two campgrounds, and picnic facilities, as well as boating, fishing, and hunting opportunities. There’s also a country club with a golf course.

Adams County has the cheapest real estate on our list; the median home value is $116,900. However, it also has the second-highest monthly transportation costs, at $1,455. Fortunately, Iowa is tax-friendly, since it exempts all types of retirement income, including Social Security.

Farmington, Missouri

Nestled among nine of Missouri’s beautiful state parks, about 70 miles south of St. Louis, Farmington is an absolute gem of a town, offering abundant outdoor recreation, including many golf courses, scenic hiking trails, parks with pickleball and tennis courts, and two dozen rivers and streams that are perfect for fishing and watersports. Two wineries in the city are stops on the scenic Route du Vin wine trail.

Farmington has its own senior center, providing retirees with an opportunity to socialize and participate in activities like line dancing, games, and various arts and crafts clubs; it also offers health screenings.

St. Francois County is on the affordable side when it comes to real estate, with median home values at $155,100 and median monthly housing costs at $805. Retirees should account for about $577 in monthly food expenses and $1,239 in transportation costs. The county also fares well in terms of health care, with eight hospitals and more than 100 health care establishments, including outpatient care centers, primary-care physician and dentist offices, and home health care services.

Youngstown, Ohio

Youngstown may have once been at the center of America’s steel industry, but the town is now bustling with museums, including the Butler Institute of American Art, which showcases more than 300 years of American art, performing-arts venues, and a theater. There are even more options in Cleveland and Pittsburgh—about 75 and 67 miles from Youngstown, respectively.

Seniors can also look forward to an active lifestyle there. Mill Creek MetroParks, which total 5,000 acres, feature hiking trails, golf courses, and multiple lakes. It’s set to undergo major renovations to enhance its facilities and add a new events pavilion.

Youngstown is budget-friendly and has top-notch health care (Mahoning County has more than 500 health care offices and establishments and 10 hospitals). Homes in the county have a median value of $141,100; monthly transportation costs run about $1,181, and food expenses about $669.

Bay City, Michigan

There’s no shortage of beautiful water views in this laid-back historic town. Spilling onto the banks of the Saginaw River and with easy access to Lake Huron—famous for its Caribbean-like clear waters and white-sand beaches—Bay City is a dream for boating enthusiasts (it has a seasonal 100-boat slip marina). In town, residents can shop at Michigan’s largest antiques market, featuring more than 400 booths; explore trails along the river; catch a movie at the State Theatre, which dates back to 1908; or taste local flavors at the many eateries.

Bay City is one of those charming Michigan towns where residents don’t have to spend a fortune to enjoy the scenery and amenities. Home values stand at $135,100, monthly food costs come in at $588, and transportation lands at $1,193. Bay County is also less than two hours from Detroit Metropolitan Wayne County Airport, which connects the area to many domestic and international destinations.

Mason City, Iowa

Steeped in history, this northern Iowa city boasts the largest neighborhood of Prairie-style homes, hailed as the first truly American architectural style, which was inspired by the flat landscapes of the Midwest. Mason City is also home to the Historic Park Inn Hotel, the last remaining Frank Lloyd Wright–designed hotel in the world. And that’s just the beginning when it comes to the town’s cultural offerings.

Mason City has more than 80 public artworks, and you can also stroll the Meredith Willson Footbridge, featured in Willson’s 1957 musical The Music Man. In the summer, residents flock to Clear Lake, just a nine-mile drive west, for a refreshing dip or to fish, boat, or soak up the sun on its sandy beaches.

There are six hospitals in Cerro Gordo County, as well as more than 90 health care offices and establishments. And while homes in the county are one of the priciest on this list, at $154,100, they’re still quite affordable compared to the national average.

Saginaw, Michigan

About 15 miles south of Bay City lies Saginaw, a midsize city (population 42,876) that offers residents and visitors the perfect blend of entertainment and outdoor recreation in a serene setting.

The city is in the process of developing a 5.5-acre riverfront park in downtown, and that project will only add to the appeal of Saginaw, which already has scenic trails, independent shops in Old Town, and a bustling art scene with many murals, galleries, and museums (the Castle Museum and Saginaw Art Museum & Gardens are highlights). For a day out in nature, head to the Shiawassee National Wildlife Refuge, a 10,000-acre protected area with wetlands, forests, and waterways.

With eight hospitals and more than 400 health care establishments, Saginaw County also considers senior well-being. For those who would like to invest in a house, the median home value is $139,400, though there are also several senior-living facilities to choose from. Estimated monthly food costs are $588, and transportation expenses are $1,211.

Muncie, Indiana

Muncie, located about 60 miles northeast of Indianapolis, is the second-largest city on our list after Toledo. Home to 65,000 full-time residents, the city, home to Ball State University, balloons when school is in session. The historic downtown has shops selling handmade products and restaurants serving local flavors, and it’s all infused with a healthy dose of Hoosier hospitality.

Seniors are attracted to Muncie and Delaware County for its low cost of living—monthly food expenses are the third lowest on this list ($579), transportation costs are the second lowest ($1,180), and the median home value is $127,600.