Best cities to retire in the USA

The golden years have come to you and you are wondering: What is the best city to retire in? To help you out, we’ve made a list of the top 10 of the best cities to retire in the USA.

To create this list we’ve made meticulous research and we have taken in consideration factors like affordability, access to amenities and services, safety, recreational options, weather, and walkability. We hope this listing can bring insights about your next move!!!

10. Salt Lake City, Utah

Salt Lake City is often associated with its Mormon background, but the city boasts a diverse population. It's a hub of activity, offering not only Utah Jazz basketball and the Utah Museum of Fine Arts but also a plethora of outdoor adventures thanks to its stunning natural setting.

The city is conveniently located within a drive of five national parks and numerous top-tier ski resorts. The opening of a modern airport terminal in 2020 further enhances its connectivity, making trips to family or vacation destinations easily accessible.

• Population: 200,478, with a median age of 32.5 years.
• Cost of Living: Housing in Salt Lake City averages around $540,000, significantly above the national average. Renting a 823-square-foot apartment costs, on average, $1,662 per month.
• Social Security Income Tax: Yes
• Climate: The city enjoys 222 sunny days annually, with winter lows around 22°F and summer highs near 93°F.
• Crime Rates: The rate of violent crime is lower than the national average, while property crime rates are higher.
• Healthcare: The healthcare scene in Salt Lake City includes eight Medicare-certified hospitals and 23.3 physicians for every 10,000 residents, surpassing the national average. 

9. Tampa, Florida

Tampa, along with its neighboring suburbs, emerges as another top choice for retirees who adore Florida. This city is an ideal spot for an active retirement lifestyle, featuring a wide range of housing choices, a vibrant Riverwalk, and one of the nation's best airports.

It's also an excellent starting point for those keen to explore other charming beach towns in Florida. Culinary enthusiasts will be delighted in Tampa, especially with notable restaurants like Rooster & the Till, led by a James Beard, and La Segunda, famous for its Cuban sandwiches.

• Population: 387,050, with a median age of 35.9 years.
• Cost of Living: The median house price in Tampa is approximately $390,700, above the national average. Rent averages $1,920 per month for a 925-square-foot apartment.
• Social Security Income Tax: No
• Climate: Tampa enjoys 246 sunny days yearly, winter lows averaging 52°F, and summer highs around 90°F.
• Crime Rates: Both violent and property crime rates in Tampa are below the national average.
• Healthcare: The city is home to five Medicare-certified hospitals and has 24.3 physicians for every 10,000 residents, which is higher than the national average.

8. Wilmington, Delaware

Although Joe Biden has moved from Wilmington to the capital, this city in northern Delaware remains noteworthy. Its waterfront is particularly attractive in the summer, and the burgeoning food scene is an all-year attraction.

Recently, a surge in new eateries earned Wilmington the title of one of 2023's best places to visit. Retirement in Wilmington can be celebrated with delicacies like wagyu empanadas at Bardea Steak, mint-infused lamb shoulder at Le Cavalier, and classic Indian street food at The Chancery Market.

• Population: 70,750, with a median age of 35.9 years.
• Cost of Living: The average home in Wilmington is priced at about $295,900, which is below the national average. Rent is typically $1,506 per month for an 870-square-foot apartment.
• Social Security Income Tax: Yes
• Climate: The city enjoys 199 sunny days per year, with winter lows averaging 24°F and summer highs around 85°F.
• Crime Rates: Both violent and property crime rates in Wilmington exceed the national average.
• Healthcare: Wilmington boasts two Medicare-certified hospitals and 23.8 physicians per 10,000 residents, surpassing the national average. 

7. Scottsdale, Arizona

Scottsdale not only ranks 4th in quality of life but is also renowned for its range of activities, making it one of the top retirement destinations in the US.

It's especially favored by golf enthusiasts and also offers an array of destination spas, exceptional art and architecture, as well as dining experiences in James Beard Award-winning restaurants. However, those considering Scottsdale should be ready for extremely hot summers, though rest assured that air conditioning is plentiful and effective in the area.

• Population: 242,753, with a median age of 47.7 years.
• Cost of Living: Housing in Scottsdale averages around $776,400, significantly above the national average. Rent for a 947-square-foot apartment is typically about $2,059 per month.
• Social Security Income Tax: Yes
• Climate: Scottsdale enjoys 330 sunny days annually, with winter lows around 36°F and summer highs reaching about 106°F.
• Crime Rates: The city has lower rates of both violent and property crime compared to the national average.
• Healthcare: The city is served by four Medicare-certified hospitals but has 20.1 physicians per 10,000 residents, which is below the national average. 

6. San Francisco, California

It's widely recognized that San Francisco doesn't fare well in terms of affordability. However, the city more than compensates for its high living costs with a plethora of activities.

Beyond the well-known attractions like Alcatraz and the Golden Gate Bridge, the city offers enriching experiences like spending a leisurely day at the San Francisco Museum of Modern Art or exploring the city via its iconic cable cars. For those seeking tranquility, stunning natural retreats like Muir Woods National Monument and Point Reyes are just a short drive away.

• Population: 815,201, with a median age of 38.3 years.
• Cost of Living: The median house price in San Francisco is an astonishing $1,269,600, far exceeding the national average. Rent is equally steep, averaging $3,336 for a 736-square-foot apartment.
• Social Security Income Tax: Yes
• Climate: San Francisco enjoys 260 sunny days per year, with winter lows averaging 47°F and summer highs around 71°F.
• Crime Rates: Both violent and property crime rates in San Francisco are above the national average.
• Healthcare: The city is home to 12 Medicare-certified hospitals and boasts 44.1 physicians per 10,000 residents, which is above the national average. 

5. Fort Lauderdale, Florida

Fort Lauderdale is renowned for its beaches, but the city offers much more for retirees these days. In addition to the plentiful waterfront condos that are likely to appeal to many, retirees can enjoy their days exploring art galleries in Flagler Village, participating in cooking classes at Sistrunk Market, and trying out the myriad of new restaurants.

For those bitten by the travel bug, the convenience of several cruise terminals and an international airport nearby is a significant plus.

• Population: 181,668, with a median age of 42 years.
• Cost of Living: The average home price in Fort Lauderdale is around $521,000, surpassing the national average. Renting a 958-square-foot apartment averages $2,718 per month.
• Social Security Income Tax: No
• Climate: The city enjoys 246 sunny days annually, with winter lows averaging 59°F and summer highs around 90°F.
• Crime Rates: Both violent and property crime rates in Fort Lauderdale exceed the national average.
• Healthcare: The city has three Medicare-certified hospitals and 22.4 physicians per 10,000 residents, which is above the national average.

4. Miami, Florida

Miami stands out as an ideal choice for those seeking more than just beaches and golf courses. While it may not be as budget-friendly as some other cities, Miami's array of art galleries, Cuban cuisine, and museums make the higher living costs worthwhile.

Plus, the opportunity to drive down to Key West at whim is a significant draw. For those over 55, Miami-Dade County offers a complimentary “Active Older Adults Program,” featuring free fitness classes and recreational activities.

• Population: 439,890, with a median age of 40.1 years.
• Cost of Living: The median house price in Miami is approximately $549,400, which is above the national average. Rent for an 891-square-foot apartment is around $2,438 per month.
• Social Security Income Tax: No
• Climate: Miami enjoys 249 sunny days annually, with winter lows around 60°F and summer highs near 91°F.
• Crime Rates: Both violent and property crime rates in Miami are below the national average.
• Healthcare: The city is served by nine Medicare-certified hospitals and has 22.8 physicians for every 10,000 residents, higher than the national average. 

3. Cincinnati, Ohio

Cincinnati might not be the first name that comes to mind for retirement despite having average scores in healthcare, quality of life, and affordability. Even for those who aren't passionate about the Bengals or Reds, the city offers a wealth of museums, botanical gardens, and parks that provide ample opportunities for enjoyment and engagement.

• Population: 308,935, with a median age of 32.4 years.
• Cost of Living: The median home price in Cincinnati is approximately $239,500, which is below the national average. Rent for an 866-square-foot apartment averages $1,300 per month.
• Social Security Income Tax: Yes
• Climate: Cincinnati enjoys 176 sunny days per year, with winter lows averaging 22°F and summer highs around 87°F.
• Crime Rates: Both violent and property crime rates in Cincinnati are below the national average.
• Healthcare: The city is home to 13 Medicare-certified hospitals and has 37.1 physicians per 10,000 residents, higher than the national average. 

2. Orlando, Florida

Orlando ranks as one of the top cities for retirees in the United States, even for those who aren't looking to don Mickey Ears. Apart from Florida's renowned warm climate and tax benefits, Orlando is particularly noted for its serene communities, exceptional restaurants, and unique independent shops.

Its inland location also offers some respite during hurricane season. An added perk is its closeness to theme parks, making it an attractive destination for grandchildren.

• Population: 309,154, with a median age of 33.9 years.
• Cost of Living: The median home price in Orlando is around $372,400, slightly below the national average. Rent for a 964-square-foot apartment averages $1,940 per month.
• Social Security Income Tax: No
• Climate: Orlando enjoys 236 sunny days annually, with winter lows averaging 49°F and summer highs around 92°F.
• Crime Rates: Both violent and property crime rates in Orlando are below the national average.
• Healthcare: The city has six Medicare-certified hospitals and 20.4 physicians per 10,000 residents, which is below the national average.

1. Charleston, South Carolina

Charleston is an ideal retirement choice, known for its laid-back coastal atmosphere, warm southern hospitality, and a plethora of activities suitable for a fulfilling retirement.

The city is adorned with stunning mansions and charming cobblestone streets, and its culinary scene consistently lives up to its reputation. While the cost of living is somewhat high compared to the national average, it remains relatively affordable when compared to other major U.S. cities.

This makes it an attractive place to enjoy your pension on delicious barbecue, seafood, and traditional Low Country dishes.

• Population: 151,612, with a median age of 35.3 years.
• Cost of Living: The median house price in Charleston is around $520,000, higher than the national average. Rent for a 967-square-foot apartment averages $1,989 per month.
• Social Security Income Tax: Yes
• Climate: Charleston enjoys 230 sunny days per year, with winter lows averaging 38°F and summer highs around 91°F.
• Crime Rates: Both violent and property crime rates in Charleston are above the national average.
• Healthcare: The city has five Medicare-certified hospitals and 47.8 physicians per 10,000 residents, which is above the national average.

People also ask

What should I consider when choosing a city to retire in?

Consider factors like cost of living, healthcare services, climate, social opportunities, and proximity to family and friends.

Is it better to retire in a small town or a city?

It depends on personal preferences. Cities offer more amenities and healthcare options, while small towns might offer a quieter, slower-paced life.

How important is access to healthcare in retirement?

Extremely important. Prioritize locations with good hospitals and medical facilities, especially if you have existing health conditions.