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So, you’re thinking about retirement—congrats! After years of hard work, it’s finally time to focus on you. But before you kick back and relax, there’s one big question to answer: Where should you retire?
The truth is, not all states are created equal when it comes to retirement. Some offer lower taxes, some have better healthcare, and others just have that perfect weather you’ve always dreamed of.
In this post, we’ll walk you through some of the best states for retirees—based on things like cost of living, climate, healthcare, and overall lifestyle.
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Top 27 States for Retirement in the US
Choosing the best state for retirement depends on your needs and goals. Explore options with low taxes, good healthcare, and friendly communities.
1. Florida
Florida is a retiree’s dream with no state income tax. It doesn’t tax Social Security, pensions, or retirement withdrawals either. This makes it one of the top 10 states for taxes.
The sunny weather and beachfront lifestyle attract many retirees each year.
The number of million-dollar households in Florida ranks fourth-highest in the U.S., at nearly 70 per 10,000 filers as of 2022. On average, residents save $532,867 for retirement and hold a net worth of $634,533.
Despite these perks, some rank Florida lower due to the risk of natural disasters such as hurricanes.
2. Tennessee
Tennessee is one of the most tax-friendly states for retirees. It has no state income tax, which means your Social Security benefits, pensions, and retirement withdrawals are not taxed.
This makes it easier to stretch your retirement savings.
The cost of living in Tennessee is affordable compared to many other states. While property taxes exist, they remain lower than the national average. Sales taxes may feel higher, but they are often offset by other savings.
Pair that with its mild climate and scenic beauty, and you have a great place to enjoy life after work!
3. Wyoming
Wyoming ranks third best for retirement based on Bankrate’s 2025 study. It has no state income tax, helping you save more of your money. The Tax Foundation also rates it first in tax competitiveness.
With an average retirement savings of $506,372 and a net worth of $633,808, many residents thrive here.
The state is affordable and safe, ranking fourth in affordability and seventh in safety. More than 62 households per 10,000 filers report earnings exceeding $1 million, according to the IRS (2022).
On the downside, Wyoming ranks 39th for health care access. Its financial benefits still make it a top choice for retirees seeking low costs and quiet living.
4. Mississippi
Mississippi offers one of the lowest costs of living in the U.S. This makes it a great choice if you want your retirement income to go further. Housing, groceries, and healthcare are all affordable compared to many other states.
The climate is warm with mild winters, which may appeal if you dislike snow. The state also has rich traditions in music and food, adding fun to daily life. It’s a peaceful place where you can stretch your savings while enjoying a slower pace.
5. Arkansas
Arkansas offers a low cost of living, which can benefit retirees. It ranks 33rd in affordability and 9th in weather. The state also ranks 26th in the share of people in similar age groups, making it easier to find community.
Safety, however, remains a concern here. Arkansas ranks 4th worst in violent crimes and sits low at 46th for overall safety. Healthcare is ranked 42nd, while the arts rank even lower at 48th.
If these factors are a priority for you, you may want to consider other options more suited to your retirement needs.
6. Oklahoma
Oklahoma ranks 48th for retirement. It faces affordability challenges, ranking 45th in this area. Home insurance premiums are significantly higher, averaging $4,623 per year compared to the national average of $2,329.
The state does benefit from favorable weather, ranking 13th in this category. Yet other significant factors, such as cost of living and safety, may not align well for retirees. If saving money is your priority, Oklahoma could feel expensive over time.
7. Minnesota
Minnesota offers excellent healthcare for retirees. You will find top hospitals, good Medicare access, and quality long-term care here. These services make it a great choice if health is your priority in retirement planning.
The state also has many outdoor activities. You can enjoy fishing on its 10,000 lakes or take scenic hikes during the summer months. While winters are cold, indoor recreation centers keep retirees active year-round.
8. Massachusetts
Massachusetts shines for retirement thanks to its top healthcare. Seniors have great Medicare access and strong hospital networks. You’ll feel confident with the care available here.
This state is also known for its wealth. It ranks second in the U.S. for $1 million+ households, with 76.43 per 10,000 tax filers in 2022.
9. Hawaii
Hawaii offers stunning beaches, year-round sunshine, and a laid-back retirement lifestyle. You can enjoy sunlight exposure almost every day while surrounded by oceanic views. The state offers numerous outdoor activities, including walking trails and water sports.
Living costs here are high, making it less affordable than states like Colorado. Hawaii has a general excise tax instead of a sales tax, which could impact your spending differently.
Housing affordability may be an issue, too, as property prices tend to soar above the national average.
10. Arizona
Arizona is perfect if you love warm weather. About 24% of retirees pick places with a sunny climate, and Arizona shines here. The state experiences mild winters, making it easy to enjoy outdoor activities year-round.
Healthcare access is strong in many cities. The cost of living is moderate compared with other warm states such as Florida and Hawaii. Arizona also has low state income taxes on Social Security benefits, providing some relief.
11. South Carolina
South Carolina offers wonderful coastal living. About 23% of retirees prefer to live near the ocean, and this state delivers just that. You can enjoy charming beaches like Myrtle Beach or Hilton Head Island.
The mild climate makes outdoor activities enjoyable year-round.
Living costs are fairly low compared to other coastal states. South Carolina also has lower property taxes, which helps with retirement budgeting. Access to Medicare Advantage plans ensures healthcare needs are covered, too.
Plus, being on the East Coast means you’re closer to family in nearby states!
12. North Carolina
North Carolina offers both beach towns and vibrant cities, making it a great destination for retirees. You can enjoy places like Asheville with its mountain views or Wilmington near the coast.
Housing costs are reasonable compared with those in many other states. Healthcare services are dependable, with options under Medicare Part D and Medigap plans. The weather is mild, giving you comfort year-round without harsh winters or extreme heat.
13. Colorado
Colorado combines stunning mountain views with an affordable cost of living. It offers a Hawaii-like experience at a lower cost, making it appealing to retirees on a budget. Outdoor activities like hiking and skiing keep you active year-round.
Healthcare access is strong, with good hospitals nearby. The state offers sunny days and low humidity, which many retirees appreciate. Colorado offers beauty, affordability, and quality of life for retirees seeking both adventure and comfort.
14. Texas
Texas has no state income tax. It also doesn’t tax Social Security or retirement funds, making it appealing to retirees seeking tax savings. Texas ranks 7th in tax competitiveness according to Tax Foundation (2025).
Plus, there are over 54 millionaires per 10,000 filers here.
The downside is clear too. Health care rankings place the state 50th, and safety ranks 38th. Affordability is also low, ranking 42nd. If you are considering health care costs and safety as top factors for retirement, this might not be your best pick.
15. New Hampshire
New Hampshire is a top choice for retirement. It ranks first in safety and fifth in healthcare. Taxes are low, with no state income tax on Social Security or regular earnings. Only interest and dividends face a 3% tax rate.
The cost of living ranks 14th, making it somewhat affordable. New Hampshire also ranks seventh in the share of similar-age populations. While winters can be harsh, the state’s natural beauty makes outdoor activities enjoyable year-round.
16. Pennsylvania
Pennsylvania offers great city living for retirees. You can enjoy urban amenities, museums, and walkable neighborhoods. Cities like Philadelphia and Pittsburgh offer many activities.
Healthcare services in Pennsylvania are high-quality and easily accessible. The state sales tax is moderate compared to many others. Consider the cost of living, as some areas may be more expensive than neighboring states.
17. Michigan
Michigan offers four distinct seasons, making it perfect if you enjoy varied weather. Summers are warm, while winters bring snow and crisp air. Fall colors are stunning, and spring blooms make the state lively again.
It is a budget-friendly choice for retirees. The cost of living is lower than in many states, and homeownership remains affordable. Healthcare access is strong, with well-equipped medical facilities in major cities such as Detroit and Ann Arbor.
18. Utah
Utah ranks high for retirees in 2025, according to Bankrate. It offers stunning views and a range of outdoor activities, such as hiking and skiing. The dry climate results in fewer cooling degree days, which can lower energy bills.
The cost of living is affordable compared to other Western states. Utah has strong healthcare services that reduce costs for older adults. If you enjoy a peaceful lifestyle but want great amenities close by, this state might be the right fit!
19. Georgia
Georgia offers peaceful rural towns for retirees. About 20% of retirees prefer less-crowded communities, making this state a strong choice. You can find affordable housing and lower costs of living in many areas here.
The warm climate adds to its appeal, keeping winters mild. Its location also means you’re close to the mountains or beaches without long travel times. Lower taxes than some states help stretch retirement savings further.
20. Idaho
Idaho ranks as the 5th best state for retirement according to Bankrate’s 2025 study. It excels in safety, ranking 3rd. You’ll also find it affordable, ranked 9th in that category.
Taxes are manageable, too, with a rank of 11th.
The weather is rated at 24th, which might not appeal to everyone. Idaho ranks lower in the arts (37th) and among people your age (35th). Still, its low crime rates and affordability make it worth considering for a peaceful life after work!
21. Alabama
Alabama has warm weather and a low cost of living. These can appeal to retirees looking for budget-friendly options. Housing is more affordable than in many states, helping stretch savings or income from a retirement account such as a traditional IRA or annuity.
Despite these benefits, it ranks poorly among Sun Belt states for retirement in 2025. Issues include healthcare quality and higher state taxes on pensions and Social Security. You may also face challenges related to safety and access to reliable services, so conduct thorough research before relocating there.
22. Delaware
Delaware is a small state with big benefits for retirees. Its location offers easy access to the Mid-Atlantic and Northeast regions. You can visit nearby cities like Philadelphia, Baltimore, or New York without long travel times.
The state also has no sales tax, which helps you save money on purchases. Property taxes are low compared to other states. This makes Delaware an affordable choice for retirement living.
23. Maine
Maine ranks as the 2nd best state for retirement in Bankrate’s 2025 study. It has a large senior population, with 23% of residents aged 65 or older. Safety is high here, ranking 2nd nationwide.
Health care services are excellent, ranking 3rd.
Art lovers will also enjoy Maine’s culture, as it ranks 4th in the arts. The state provides peace of mind with low crime rates and access to quality healthcare. Its charm makes it appealing to retirees seeking a balanced lifestyle without sacrificing safety or convenience.
24. Nevada
Nevada is a great choice for retirees. It has no state income tax, helping you keep more of your retirement funds or Social Security benefits. This can reduce financial stress and leave room for extra spending.
The state offers a warm climate and plenty of activities. With places like Las Vegas, you’ll find casinos, shows, and fine dining nearby. Outdoor enthusiasts will love spots like Lake Tahoe for hiking or boating adventures, too!
25. Virginia
Virginia offers a perfect mix of history and nature. You can explore historical sites like Colonial Williamsburg or enjoy the Blue Ridge Mountains.
The state has a moderate cost of living, which helps with retirement budgeting. Its healthcare services are also high-quality and accessible. Virginia also has four distinct seasons, with mild winters, making it ideal for year-round comfort.
26. Oregon
Oregon offers retirees plenty of arts, entertainment, and fun recreation. Cities like Portland have theaters, museums, and live music spots to enjoy. You can explore festivals or visit local art galleries.
The state is packed with natural beauty, too. Visit the Oregon Coast or hike trails in Crater Lake National Park. Retirement here is lively yet peaceful, with endless opportunities for exploration and cultural engagement.
27. Washington
Washington has no state income tax. This makes it a great choice for tax savings during retirement. You can keep more of your federal income and focus on enjoying life.
It also ranks 8th nationally among wealthy households. For every 10,000 filers, more than 57 report income of $1 million or more. This shows strong financial stability in the state.
What Makes a State Ideal for Retirement?
Choosing the best state to retire depends on what matters most to you—like money, comfort, and safety. Each factor can significantly shape your retirement lifestyle, so choose wisely!
Affordability and Cost of Living
Retirees often live on tight budgets. States like Mississippi, West Virginia, and Arkansas have the lowest cost of living. In these places, your money stretches further for housing, groceries, and healthcare.
Housing prices are a big factor, too. The median home price in the U.S. hit $435,300 in June 2025. If you want lower expenses, look where homes cost less than the average. Watch out for high insurance costs,s though! Nebraska’s homeowners’ insurance averages $6,097 yearly.
Oklahoma isn’t far behind at $4,623 per year.
State and Local Tax Considerations
Some states do not impose an income tax, including Florida, Texas, and Wyoming. This can help you save money on retirement income, including Social Security or pensions. There are nine states in this group, including Alaska and Tennessee.
Even in states with lower taxes, be mindful of sales and property taxes. Certain areas may still have high rates in these categories. Montana and New Hampshire are favorable due to their low property taxes and lack of a general sales tax.
If you prefer lower taxes, consider avoiding states with high income or estate taxes, such as California or New York.
Access to Quality Healthcare Services
Healthcare access is a must for retirees. States such as Massachusetts, Minnesota, and Connecticut rank highly for senior healthcare. They offer better doctor availability, lower uninsured rates, and quality hospitals.
Medicare costs also vary by state. Premiums, Advantage plans, Medigap options, and out-of-pocket expenses change depending on where you live. Choosing the right state can save money while ensuring top care in retirement.
Climate and Natural Disasters
Warm weather appeals to 24% of retirees, while 23% prefer living near the ocean. Many states with sunny skies rank higher for retirement. But natural disasters can change things fast.
Hurricanes hit coastal areas like Florida hard. Tornadoes are common in the central states, including Oklahoma and Arkansas. Earthquakes often strike on the West Coast, like in Oregon and Washington.
Louisiana faces severe storm and flood risks and ranks low in weather safety.
Lifestyle, Culture, and Recreational Activities
States with strong art and entertainment options stand out. Vermont leads in arts venues per capita, offering plenty for retirees who love culture. Maine ranks fourth, giving you more options to enjoy music, galleries, and live events.
These states provide a lively way to spend your free time.
Recreation adds value to retirement life, too. Some states emphasize outdoor activities such as hiking or golf. States such as Arizona and Colorado offer warm weather or mountain views, making them ideal for active lifestyles.
You can relax while staying healthy!
Safety and Crime Rates
Safety plays a big role in choosing where to retire. Bankrate ranks safety at 17% in its retirement scoring. New Hampshire is the safest state, followed by Maine. These states have low crime rates and offer peace of mind.
On the other hand, Louisiana has high property and violent crime rates. Arkansas ranks as the fourth-worst state for violent crimes, too. It’s smart to check local crime data before making decisions about moving there.
Safety impacts your quality of life, so plan wisely!
Proximity to Family and Friends
Moving close to family can make retirement more fulfilling. It keeps you connected and helps build strong support systems. Many retirees choose smaller towns for this reason; 20% prefer tight-knit communities.
Being near loved ones can also help during emergencies or health issues.
Staying close to friends matters too. Familiar social circles often bring comfort and happiness in later years. Maine, with 23% of its population over age 65, offers many opportunities to meet peers if moving closer to relatives isn’t possible.
Balancing family ties and new relationships is key when picking a state for retirement plans.
Should You Relocate for Retirement?
Moving after retirement can bring exciting changes and fresh opportunities. But it’s smart to weigh the costs, benefits, and personal needs before making a big decision.
Key Benefits of Moving After Retirement
Living in a state with no income tax can save you money. You won’t pay taxes on your Social Security or retirement withdrawals. Some states also have lower property taxes, reducing monthly expenses.
You could find better healthcare and safer neighborhoods by relocating. Affordable housing might also become an option in your new area. Choosing a location with mild weather, such as Arizona or South Carolina, makes outdoor activities more enjoyable year-round.
Challenges and Considerations Before Relocating
Moving for retirement can bring higher travel and healthcare costs. Staying far from family may mean spending more on visits or emergency trips. Some states with low income taxes may have higher property or sales taxes, which can add up quickly.
Adapting to a new place takes time and effort. Different climates or local customs might feel strange at first. Researching safety, crime rates, and nearby amenities is key before making a decision.
Personal priorities matter too; consider the cost of living, access to healthcare, and whether your lifestyle needs will fit well there.
Tips for Visiting and Trying Out New States
Visit the new state during different seasons. This shows you what the weather is like year-round. Check properties and neighborhoods in person, not just online.
Talk to locals about daily life and costs. Research hospitals, taxes, and nearby amenities too. Use a certified financial planner for advice on retirement finances, like loans or mortgages, before making big moves.
How to Choose the Right State
Think about what matters most to you—cost, weather, family, or fun activities. Visit a few places, talk to locals, and explore your options!
Personal Priorities vs. Rankings
Rankings may highlight popular states, but your needs matter most. Some retirees prefer the warm beaches of Florida, while others enjoy Michigan’s cooler seasons. Large cities offer convenience and culture, yet quiet rural areas can feel more peaceful.
Think about what suits your lifestyle. A low tax rate might help financially, but being near loved ones could bring more joy. Climate plays a big role, too. If you hate snow, Maine might not be ideal for you! Balance the rankings with personal priorities to find your perfect fit.
Planning Visits and Doing Research
Visit the states you’re considering for retirement. Spend a few days exploring towns or neighborhoods. Look at housing prices within your budget and check the cost of groceries, utilities, and healthcare services.
Compare tax rates like sales taxes in the U.S., federal income tax, or inheritance taxes. Use resources such as Bankrate or the Tax Foundation to research affordability rankings. Talk with locals to learn about safety, weather patterns, and nearby activities.
Bring questions on banking options or lending plans if planning to use a line of credit for housing needs.
Talking to Locals and Financial Advisors
Talk to locals about daily life. They can share what it’s like to live in the area. Ask them about safety, costs, and weather. Their insights can help you decide if the state suits your retirement needs.
Financial advisors are helpful too. A certified financial planner™ or registered investment adviser can guide you on taxes and money matters. Discuss topics like federal income tax, property rates, or a rollover IRA with them before moving.
This planning avoids surprises later.
Final Thoughts
Choosing the best state for retirement depends on your needs. Think about taxes, weather, and healthcare costs. Visit a few places to see what feels right. Research helps you make informed choices for this new chapter of life.
Plan well, and enjoy your golden years!
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