America’s Top 10 Best and Worst Places to Retire

Retirement is one of life’s most exciting milestones—a chance to slow down, explore passions, and enjoy the rewards of decades of hard work. But where you choose to spend these golden years can make all the difference. Factors like cost of living, healthcare, climate, and overall quality of life vary dramatically across the U.S. Whether you dream of sandy beaches, mountain air, or vibrant city culture, here’s a look at America’s top 10 best and worst places to retire in 2025.

Top 10 Best Places to Retire in America

1. Sarasota, Florida
Sarasota continues to top retirement lists for its warm climate, beautiful beaches, and thriving arts scene. With excellent healthcare facilities and a strong retiree community, it strikes a balance between relaxation and cultural excitement.

2. Lancaster, Pennsylvania
Known for its picturesque farmland and affordable living, Lancaster offers a blend of small-town charm and accessibility to major East Coast cities. Its healthcare system and low crime rate make it a favorite among retirees seeking tranquility.

3. Asheville, North Carolina
Nestled in the Blue Ridge Mountains, Asheville is a haven for retirees who love nature, art, and local cuisine. The mild climate and focus on wellness create a perfect setting for an active yet peaceful retirement.

4. Naples, Florida
Naples offers luxury living with pristine beaches, golf courses, and a strong sense of community. While it’s pricier than other Florida towns, the high quality of life and low crime rate make it a top choice for those seeking elegance and comfort.

5. Boise, Idaho
Boise combines affordability with stunning outdoor access. Its clean air, safety, and active lifestyle appeal to retirees who enjoy hiking, biking, and exploring without big-city congestion.

6. Scottsdale, Arizona
Scottsdale’s warm weather, excellent healthcare, and resort-style amenities attract retirees looking for sunshine and sophistication. Its desert landscapes and cultural offerings provide endless opportunities for leisure.

7. Fort Myers, Florida
A more affordable alternative to Naples, Fort Myers boasts year-round sunshine, scenic waterways, and a relaxed coastal lifestyle. It’s ideal for those wanting to stretch their retirement dollars without sacrificing comfort.

8. Colorado Springs, Colorado
Surrounded by mountain peaks, Colorado Springs offers a crisp climate and endless outdoor adventures. Its lower housing costs compared to Denver and high healthcare rankings make it a solid retirement destination.

9. Austin, Texas
Though it’s a bustling city, Austin appeals to retirees who crave music, food, and culture. Texas’s lack of state income tax and Austin’s active community make it both lively and practical.

10. Portland, Maine
Portland offers a charming coastal lifestyle with top-tier healthcare and a strong sense of community. Its four distinct seasons and walkable downtown make it a serene yet engaging place to call home.

Top 10 Worst Places to Retire in America

1. Detroit, Michigan
While Detroit is rebounding, high crime rates, struggling infrastructure, and limited healthcare access make it less ideal for retirees.

2. New York City, New York
Vibrant but expensive, NYC’s high living costs, taxes, and crowded environment can overwhelm retirees seeking affordability and peace.

3. Anchorage, Alaska
Its natural beauty can’t make up for isolation, harsh winters, and high living expenses—factors that make Anchorage tough for retirees.

4. Memphis, Tennessee
Affordable but plagued by safety concerns and lower healthcare rankings, Memphis poses challenges for those seeking comfort and security.

5. Los Angeles, California
The sunny weather and amenities come at a steep price. Sky-high housing costs and heavy traffic make LA a difficult retirement destination.

6. Birmingham, Alabama
While affordable, Birmingham struggles with healthcare access and economic instability, reducing its appeal for retirees.

7. Las Vegas, Nevada
Though exciting, Vegas’s heat, transient population, and healthcare limitations can make it less comfortable for long-term retirement.

8. New Orleans, Louisiana
Its culture is unmatched, but high humidity, storm risks, and healthcare challenges keep New Orleans off most retirement wish lists.

9. Baltimore, Maryland
Despite its history and charm, Baltimore’s safety concerns and uneven quality of life make it a risky retirement choice.

10. Chicago, Illinois
A world-class city with heavy taxes, extreme winters, and rising living costs—Chicago remains tough for retirees on fixed incomes.

Choosing Your Ideal Destination

Ultimately, the best place to retire depends on what matters most—be it affordability, healthcare, recreation, or community. Whether you’re drawn to the sunny coasts of Florida or the quiet valleys of Pennsylvania, planning ahead ensures your retirement years are as fulfilling as they are relaxing.