Top 10 US Cities to Retire in 2025: Where to Spend Your Golden Years
Retirement is a milestone many of us dream about—a time to kick back, enjoy life, and finally focus on what makes us happy. But where you choose to settle down can make or break that dream. With so many factors to consider—cost of living, healthcare access, weather, and overall vibe—picking the perfect spot can feel overwhelming. Lucky for you, I’ve done the legwork and rounded up the top 10 US cities to retire in 2025, based on the latest insights from trusted sources like U.S. News & World Report, WalletHub, and more. Whether you’re chasing affordability, sunny beaches, or a vibrant community, there’s something here for everyone. Let’s dive in!
Why Location Matters in Retirement
Before we get to the list, let’s talk about why picking the right city is such a big deal. Retirement often means living on a fixed income—think Social Security, pensions, or savings—so affordability is key. But it’s not just about money. Access to quality healthcare becomes more important as we age, and let’s be honest, we all want a place that feels welcoming and fun. According to a 2025 U.S. News & World Report analysis, happiness, affordability, and healthcare quality topped the list of priorities for retirees (source: U.S. News Best Places to Retire 2025). Meanwhile, WalletHub’s 2024 rankings (still relevant into early 2025) emphasized tax-friendliness and recreational opportunities (source: WalletHub Best & Worst Places to Retire 2024). With that in mind, here are the top 10 cities that stand out in 2025.
1. Naples, Florida – The Sunshine State’s Retirement Gem
Kicking off our list is Naples, Florida, crowned the #1 retirement spot for 2025 by U.S. News. Nestled on the Gulf of Mexico, this upscale seaside town is a retiree’s paradise. Think pristine beaches, world-class golf courses, and a laid-back vibe that screams relaxation. With a population of about 122,000—over 50% of whom are 65 or older—you’ll be in good company.
What makes Naples shine? It scores high in happiness and desirability, thanks to its warm weather (average highs of 85°F year-round) and vibrant arts scene. Housing isn’t cheap—median home prices hover around $577,000—but there’s no state income tax, estate tax, or inheritance tax, which stretches your retirement dollars further. Healthcare’s solid too, with plenty of facilities nearby. If you’re dreaming of dolphin-spotting or kayaking through mangroves, Naples has you covered (source: U.S. News Naples Profile).
Why Retire Here: Perfect for sun-lovers who want luxury and nature without brutal winters.
2. Virginia Beach, Virginia – Coastal Living with a Friendly Twist
Next up is Virginia Beach, coming in at #2 on the U.S. News list. This coastal city of roughly 450,000 blends resort-town energy with a surprisingly chill atmosphere. Miles of sandy beaches, a famous boardwalk, and a median home price of $358,477 (well below the national median of $420,400) make it a standout.
Virginia Beach scores a 7.1 for housing affordability and boasts a strong sense of community—residents are known for their friendliness. The cost of living aligns with the national average, and healthcare access is decent, though not top-tier like some bigger cities. Mild winters (average lows around 33°F) and warm summers make it a year-round winner (source: U.S. News Virginia Beach Profile).
Why Retire Here: Affordable coastal living with a welcoming vibe and plenty of outdoor fun.
3. New York City, New York – Big City Retirement with Big Perks
Surprised to see New York City at #3? Don’t be. While it’s not the cheapest spot—median home prices exceed $700,000 and rent averages $3,500 monthly—the Big Apple excels where it counts for retirees: healthcare and happiness. U.S. News gave it a perfect 10/10 for healthcare quality, thanks to world-class hospitals like Mount Sinai and NYU Langone. Plus, the endless array of restaurants, theaters, and museums keeps life exciting.
With 8.8 million people, NYC isn’t for everyone. But if you can swing the cost (or already own property), it’s a retiree’s playground. Public transit and walkability mean you don’t need a car, and the cultural perks are unmatched. Winters are cold (average lows of 27°F), but the energy here keeps you warm (source: U.S. News NYC Profile).
Why Retire Here: Urban retirees who crave top healthcare and constant stimulation will thrive.
4. Sarasota, Florida – Artsy and Affordable Sunshine
Florida dominates retirement lists, and Sarasota lands at #4 for good reason. This Gulf Coast gem offers a unique blend of artsy flair—think galleries and theaters—plus beaches and warm weather (average highs of 83°F). Median home prices are around $400,000, slightly below the national median, and there’s no state income tax.
Sarasota’s happiness score is sky-high, and its healthcare system is robust, with facilities like Sarasota Memorial Hospital. The population of 58,000 includes a sizable retiree crowd, fostering a tight-knit feel. It’s less flashy than Naples but just as appealing for those who love culture and nature (source: U.S. News Sarasota Profile).
Why Retire Here: A budget-friendly Florida escape with a creative edge.
5. Boise, Idaho – The Hidden Gem of the West
Boise sneaks into the top 5, and it’s easy to see why. This city of 235,000 in Idaho’s Treasure Valley offers affordability (median home price: $425,000) and a high quality of life. Nestled near the Boise River and surrounded by mountains, it’s an outdoor lover’s dream—hiking, skiing, and fishing are all on tap.
Winters can dip to 25°F, but summers are mild (highs around 85°F). Boise’s job market is strong, which is great if you want part-time work, and healthcare access is solid. Residents report high happiness levels, thanks to the small-town feel with big-city amenities (source: U.S. News Boise Profile).
Why Retire Here: Affordable, scenic, and perfect for active retirees who love the outdoors.
6. Raleigh, North Carolina – Southern Charm Meets Modern Living
Raleigh, at #6, is a Southern star on the rise. With a population of 476,000, this capital city blends affordability (median home price: $435,000) with a vibrant cultural scene—think museums, breweries, and parks. The cost of living is just above the national average, but low retiree taxes help balance it out.
Healthcare is a strong suit, with top facilities like Duke Raleigh Hospital. The climate’s mild—winters average 40°F, summers hit 88°F—and the Research Triangle’s proximity means plenty of intellectual stimulation. Happiness scores are high, thanks to friendly locals and green spaces (source: U.S. News Raleigh Profile).
Why Retire Here: A budget-friendly Southern city with a mix of charm and opportunity.
7. Jacksonville, Florida – Big City Vibes, Small Price Tag
Another Florida favorite, Jacksonville ranks #7. With 970,000 residents, it’s the state’s largest city by population, but don’t let that scare you—it’s surprisingly affordable. Median home prices sit at $300,000, and the lack of state income tax is a huge plus.
Jacksonville offers beaches, golf, and a warm climate (average highs of 80°F). Healthcare is decent, and the happiness factor is strong—residents love the laid-back lifestyle. It’s less touristy than other Florida spots, giving it a more authentic feel (source: U.S. News Jacksonville Profile).
Why Retire Here: Big-city perks with small-town affordability and endless sunshine.
8. Huntsville, Alabama – Affordable and Tech-Savvy
Huntsville, Alabama, lands at #8 with its low cost of living and unexpected charm. Median home prices are a steal at $275,000, and the overall cost of living is 8% below the national average. This city of 215,000 is known as “Rocket City” for its NASA ties, but it’s also a retiree haven.
Healthcare is reliable, with Huntsville Hospital leading the charge. The climate’s warm (summers hit 90°F, winters average 40°F), and outdoor options—like Monte Sano State Park—keep things lively. Happiness scores are solid, thanks to friendly locals and a growing arts scene (source: U.S. News Huntsville Profile).
Why Retire Here: Super affordable with a mix of history, nature, and modern flair.
9. Charlotte, North Carolina – Urban Sophistication on a Budget
Charlotte, at #9, is another North Carolina gem. With 897,000 residents, it’s a bustling metro area that still feels approachable. Median home prices are $399,000—just above the national median—but the cost of living is reasonable, and there’s no tax on Social Security income.
Healthcare is top-notch (think Atrium Health), and the climate’s mild (winters around 42°F, summers at 88°F). Charlotte’s got a big-city feel—pro sports, dining, parks—without the insane price tag of places like NYC. Residents report high satisfaction, making it a happiness hotspot (source: U.S. News Charlotte Profile).
Why Retire Here: Urban living with Southern hospitality and solid affordability.
10. Fort Wayne, Indiana – Midwest Affordability at Its Best
Rounding out the list is Fort Wayne, Indiana, at #10. This Midwest city of 265,000 is a budget retiree’s dream—median home prices are just $195,000, and monthly rent averages $1,017. The cost of living is 14% below the national average, leaving room for fun.
Healthcare is accessible, with Parkview Regional Medical Center nearby. Winters are cold (lows around 20°F), but summers are pleasant (highs of 82°F). Fort Wayne’s charm lies in its quiet neighborhoods, riverfront trails, and strong community vibe—perfect for a low-key retirement (source: U.S. News Fort Wayne Profile).
Why Retire Here: Ultra-affordable with a peaceful, small-town feel and decent amenities.
Honorable Mentions
The top 10 are stellar, but a few other cities deserve a shoutout. Orlando, Florida, topped WalletHub’s 2024 list for its tax-friendliness and recreation (source: WalletHub Orlando Ranking). Minneapolis, Minnesota, shines for its elderly-friendly job market and caring community. And Green Bay, Wisconsin, offers affordability and Packers pride at #11 on the U.S. News list.
How These Cities Were Chosen
So, how did we land on these picks? The rankings lean heavily on U.S. News’ 2025 Best Places to Retire, which analyzed 150 major cities using city-based data (a shift from metro stats in past years). They weighted factors like happiness (top priority), affordability, healthcare quality, retiree taxes, desirability, and job prospects, based on a survey of 3,500 people aged 45+ (source: U.S. News Methodology). I cross-checked with WalletHub’s metrics—like cost of living and activities—to ensure a well-rounded list.
What to Consider Before You Move
Ready to pack your bags? Not so fast. Here are a few things to mull over:
- Budget: Can you afford the housing and lifestyle? Naples might be dreamy, but Fort Wayne’s wallet-friendly vibe could suit you better.
- Climate: Love sun? Florida’s your spot. Prefer seasons? Boise or Charlotte might call your name.
- Healthcare: Check hospital rankings and proximity—NYC excels here, while smaller towns may lag.
- Lifestyle: Want quiet trails or bustling streets? Match the city to your vibe.
Final Thoughts: Your Retirement, Your Way
Choosing the best city to retire in 2025 is personal. Naples offers luxury and sunshine, while Fort Wayne keeps it simple and cheap. Virginia Beach blends coast and community, and NYC delivers unmatched energy. Whatever your priority—be it affordability, healthcare, or just a place that feels like home—there’s a spot on this list for you. Dive into the details, visit a few, and make your golden years truly golden. Where do you see yourself settling down? Let me know—I’d love to hear your thoughts!