Top 10 Best Places to Retire in the United States and What Makes Them Ideal
- Arnett Evans
- Dec 11
- 4 min read
Retirement is a major life milestone that comes with important decisions, especially about where to live. Choosing the right place can impact your quality of life, finances, and happiness. If you’re wondering what is the #1 place to retire in America or searching for the best state to retire on a fixed income, this guide will help you explore the top 10 best places to retire in the United States. You’ll discover why people choose these locations, what activities you can enjoy there, and how they fit different budgets and lifestyles.
1. Sarasota, Florida
Sarasota is often ranked among the best places to retire in the U.S. thanks to its warm climate, beautiful beaches, and vibrant arts scene. It’s a favorite for retirees who want a mix of relaxation and culture.
Why retirees choose Sarasota: No state income tax, affordable healthcare, and plenty of senior-friendly amenities.
Things to do: Visit the Ringling Museum, enjoy boating on the Gulf Coast, or relax on Siesta Key Beach.
Financial perks: Florida is considered one of the best states to retire tax wise, making Sarasota attractive for those on a fixed income.
2. Asheville, North Carolina
If you prefer a mountain setting with four distinct seasons, Asheville offers a charming small-town feel with access to outdoor adventures.
Why retirees choose Asheville: Affordable housing, a mild climate, and a strong sense of community.
Things to do: Hiking in the Blue Ridge Mountains, exploring local breweries, and visiting art galleries.
Budget-friendly: Asheville is one of the best places to retire for $1,000 a month when you manage expenses carefully.
3. Prescott, Arizona
Prescott combines mild weather with a historic downtown and plenty of outdoor activities, making it a popular retirement spot.
Why retirees choose Prescott: Low cost of living, excellent healthcare facilities, and a welcoming community.
Things to do: Golfing, hiking in the Prescott National Forest, and attending local festivals.
Financial benefits: Arizona offers tax advantages that appeal to retirees wondering what state is best financially to retire to?
4. Lancaster, Pennsylvania
Lancaster is known for its rich history, scenic farmlands, and affordable living costs.
Why retirees choose Lancaster: Low property taxes, access to quality healthcare, and a slower pace of life.
Things to do: Visit Amish country, explore farmers markets, and enjoy theater performances.
Affordability: Lancaster is a contender for the best place to retire in U.S. on a budget due to its low living expenses.
5. Greenville, South Carolina
Greenville offers a blend of southern charm and modern amenities, with a revitalized downtown area.
Why retirees choose Greenville: Moderate climate, affordable housing, and a growing healthcare sector.
Things to do: Walk the Swamp Rabbit Trail, dine at local restaurants, and attend outdoor concerts.
Cost considerations: Greenville is often listed among places to retire for $1,000 a month with careful budgeting.
6. Fort Myers, Florida
Fort Myers is another Florida city popular with retirees for its beaches and recreational opportunities.
Why retirees choose Fort Myers: Warm weather year-round, no state income tax, and a variety of golf courses.
Things to do: Fishing, boating, visiting nature preserves, and exploring historic sites.
Tax advantages: Like Sarasota, it benefits from Florida’s tax policies, making it one of the best states to retire tax wise.
7. Boise, Idaho
Boise has gained attention for its affordability and quality of life, attracting retirees looking for a balance of city and nature.
Why retirees choose Boise: Low crime rates, affordable housing, and access to outdoor activities.
Things to do: Hiking, visiting local farmers markets, and enjoying cultural events.
Financial appeal: Boise is often asked about when people wonder where is the safest and most affordable place to retire?
8. Tucson, Arizona
Tucson offers desert beauty, a warm climate, and a rich cultural scene.
Why retirees choose Tucson: Affordable cost of living, excellent healthcare, and a welcoming community.
Things to do: Explore Saguaro National Park, attend art festivals, and enjoy southwestern cuisine.
Budget-friendly: Tucson is a strong candidate for the best place to retire in U.S. on a budget.
9. St. George, Utah
St. George is known for its stunning red rock landscapes and outdoor lifestyle.
Why retirees choose St. George: Low taxes, mild winters, and a growing retirement community.
Things to do: Golfing, hiking in Zion National Park, and attending local events.
Financial perks: Utah’s tax policies make it attractive for retirees asking what state is best financially to retire to?
10. McAllen, Texas
McAllen is a hidden gem for retirees seeking affordability and warm weather.
Why retirees choose McAllen: Low cost of living, no state income tax, and a friendly community.
Things to do: Visit local parks, enjoy birdwatching, and explore cultural festivals.
Affordability: McAllen is often cited as one of the best places to retire for $1,000 a month.
What Makes These Places Ideal for Retirement?
Each of these locations offers a unique combination of affordability, climate, healthcare, and lifestyle options. When choosing the best state to retire on a fixed income, consider:
Cost of living: Housing, utilities, and daily expenses.
Tax environment: Income tax, property tax, and sales tax.
Healthcare access: Quality and availability of medical services.
Safety: Low crime rates and community support.
Activities: Opportunities for hobbies, socializing, and staying active.
Where Do the Happiest Retirees Live in the USA?
Studies show that retirees in places like Sarasota, Asheville, and Boise report high satisfaction due to a balance of affordability, social engagement, and access to nature. These factors contribute to overall happiness and well-being in retirement.
Ultimately, your special somewhere is a place you feel most comfortable. Take your time and really find something that speaks to you. It can be as close as that next town over or half way across the United States. But gems with the cozy feel of home can make a world of difference.