Top 5 Places To Retire in the U.S

Choosing a retirement destination involves more than selecting a place with sunny weather and affordable housing. For many retirees, the decision hinges on financial security, healthcare access, and lifestyle quality. Factors like tax policies, cost of living, and medical infrastructure can significantly affect your retirement income and overall well-being.

States such as Florida, Virginia, Idaho, North Carolina, and Arizona often lead the rankings, but each offers distinct benefits. Evaluating these through the lens of long-term financial sustainability and personal fulfillment is essential.

How Rankings Help Narrow Down Your Choices

Each year, U.S. News & World Report releases a list of the best places to retire in the U.S., weighing metrics such as affordability, healthcare availability, tax friendliness, and overall desirability. Complementing this, Niche.com provides community-level insights based on quality-of-life indicators.

Here are five standout cities for retirees in 2025, based on both financial advantages and lifestyle benefits:

1. Naples, Florida

Naples remains a top retirement destination thanks to Florida’s tax-friendly environment—no state income tax and no tax on Social Security benefits. While Naples has a higher cost of living than other Florida cities, it offers a quieter, safer alternative to urban hubs like Miami and Tampa. Its consistent ranking on best-places-to-retire lists makes it a perennial favorite among retirees.

2. Virginia Beach, Virginia

Virginia Beach presents a compelling case for affordability and tax efficiency. Social Security is not taxed in Virginia, and those over 65 may qualify for additional income tax deductions. The city boasts high marks for outdoor activities and overall health and wellness, making it ideal for retirees seeking an active, budget-conscious lifestyle.

3. Boise, Idaho

Outdoor lovers will appreciate Boise’s abundant recreational opportunities, from hiking and biking to skiing. It’s also appealing for its relatively low property and sales taxes and zero tax on Social Security income. However, retirees should account for a 5.8% flat tax on other retirement income and higher-than-average home prices.

4. Raleigh, North Carolina

Raleigh offers a moderate climate and a balanced cost of living. North Carolina doesn’t tax Social Security, and its flat income tax rate helps simplify retirement planning. Raleigh’s reputation as a “half-back” destination also reflects its appeal to retirees seeking a compromise between Florida’s heat and the chill of northern states.

5. Scottsdale, Arizona

Scottsdale is highly rated for both quality of life and healthcare access. With its warm climate, low humidity, and wealth of recreational and cultural amenities, the city provides a well-rounded retirement experience. Niche.com ranks it as the top retirement city in the U.S., driven by strong healthcare infrastructure and an active senior community.

Aligning Financial Goals with Lifestyle Aspirations

Selecting a retirement city is one of the most financially consequential decisions you’ll make. It’s crucial to consider how factors like taxes, housing costs, and healthcare expenses will shape your retirement budget. Just as importantly, weigh how the local culture, climate, and amenities support the lifestyle you envision.

Retirement isn’t simply a financial phase—it’s a new chapter. With thoughtful planning, site visits, and a clear understanding of your long-term priorities, you can find a city that supports both your financial well-being and your fulfillment.