Culturally, this means plenty of great food, history, and music. With housing prices up 11% since March 2020 and mortgage rates still near record lows, now would seem to be an ideal time for newly vaccinated boomers aiming to either downsize or move to a cheaper housing market to start their search. We eliminate from consideration cities with beyond-the-pale crime rates as well as places that are well below the national average when it comes to physicians per capita or air quality. Florida has no state income or estate tax. Other pluses include good air quality, a low serious crime rate and a high number of doctors per capita. CITY POPULATION: 322,570 COST OF LIVING FOR RETIREES: 8% below the national average Elevation is 700 feet. Retirable provides holistic retirement planning services, which are available only to residents of the United States. At an elevation of 20 feet, it is moderately walkable and very bikeable. For the second year, we also considered climate change and disaster risk. SHARE OF POPULATION 65+: 15.1% Its also very tax-friendly, and the state uses the oil wealth to pay all residents a dividend. Paraguay - the most affordable in Latin America 18. Elevation is 850 feet. The state doesnt tax estates or Social Security benefits and grants additional income tax breaks for pension income. A tropical island with rainforests, waterfalls, and the Mauna Loa volcano means the outdoor opportunities are fantastic. They also wanted low taxes and reasonable living costs, mild weather and a lively cultural scene. Fayetteville is a modest-sized Southern metropolis with access to the Ozarks. Climate is warm but pleasant. STATE'S TAX RATING FOR RETIREES: Least Tax Friendly. Volunteering is a way of life. New Baltimore Overall SnackAbility 9 /10 Population: 12,147 The citys University of Virginia was founded by no less than Thomas Jefferson, and there is a lively local art scene. The city is somewhat bikeable, although not all that walkable. 24/7 Wall Street put together a list of the best counties to retire in each U.S. state, based on health care and economic factors such as the number of physicians and dentists and median home values and cost of living. Here's a list of some of the best places for retirement: CITY POPULATION: 181,830 Serious crime rate is above the national average. With 120 nearby wineries, this quaint rural town 260 miles southeast of Seattle, boasts a surprisingly robust fine dining scene. About 25 miles south of Tucson is Green Valley, a retirement mecca, according to Forbes. A place is tax-friendly for seniors if its tax burden is relatively light, and not tax friendly if the tax burden is heavy. Bend is a scenic outdoor playground, 160 miles southeast of Portland. Whats the best place to retire in the U.S. in 2023? Restaurants, shops, art installations, and the Museum of Idaho offer plenty of cultural life. Known as the Little Apple, Kansass version of Manhattan is far more affordable than its New York namesake. Elevation of 2,100 feet makes most summers non-sweltering. A stiff 7% state income tax kicks in at $16,040 of taxable income, but there is no state income tax on Social Security earnings and theres a state income tax break for pension income. STATE'S TAX RATING FOR RETIREES: Most Tax Friendly. Outdoor enthusiasts find lots to do in and around this affordably priced mountain town 120 miles northwest of Charlotte, including hiking, caving, canoeing, whitewater rafting, fishing, skiing, snowboarding and visiting 17 golf courses in the area. There is no state income tax, but there is a stiff state estate tax. Downside: The serious crime rate is above the national average. The city is very bikeable and somewhat walkable. Forbes: Forbes Magazine identifies 25 places which they "believe offer excellent retirement value. The state income tax rate is a flat 4.25%, but it excludes Social Security income and some pension income and theres no state estate tax. Our 2021 roster contains 25 spots in 18 states across all four continental time zones, representing a wide range of size, climate, culture and politics (though those play no role in our decision-making, we do note the 2020 Presidential vote in our full profiles). Fayetteville is a modest-sized Southern metropolis with access to the Ozarks. In copywriting, he looks for hungry crowds. It is even well-known for its high-quality nursing homes. COST OF LIVING FOR RETIREES: 13% above the national average Lancaster, Pennsylvania, offers a balance between natural and commercial spaces that residents appreciate. The city of Phoenix combines easy access to the outdoors with a high-quality urban vibe. The university offers courses year-round, with a special focus on encouraging lifelong learning in seniors. It was a good fit for us, says David. Since living well is just as important as living affordably, we look at a number of quality of life indicators, including the rate of violent crime (murder, rape, robbery and aggravated assault) as compiled by the Federal Bureau of Investigation. Your answer will probably depend on what you value, as well as what cost of living you are prepared to afford. I cover personal finance, taxes, retirement, nonprofits, scandals and other stuff. Get Forbes daily top headlines delivered straight to your inboxfor news on the worlds most important entrepreneurs and superstars, expert career advice and success secrets. AVERAGE INCOME FOR POPULATION 65+: $61,695 As for Rex, after 20 years toiling away at Home Depot, he has returned to his first loveperforming in a musical group. 7 Quality of Life. Another downside: a serious crime rate above the national average. Coeur dAlene has a high number of physicians per capita, good air quality, and a low serious crime rate. There is no state sales tax, and no state income tax on Social Security benefits, but there is a state estate tax. There are also casinos, concert venues, and much more. But Social Security benefits are exempt and theres no state estate tax. STATE'S TAX RATING FOR RETIREES: Not Tax Friendly. That means high living costs or taxes arent in themselves disqualifiersthough notably, more than a fourth of our picks have housing costs near or below the current national median of $404,000. We'll review some of the top places to retire based on physical environment, cultural environment, cost of living, and tax-friendliness. They arent slowing down, reports David Masterson, a real estate agent in Green Valley, Ariz., an area 25 miles from Tucson that is one of Forbes 25 picks for this years Best Places To Retire list. While Fort Wayne is not tax friendly, it is affordable and offers a metro area with a thriving arts scene. You can read more about our methodology and sources below the list. (Read about why, here.). It is very important to do your own analysis before making any decisions based on your own personal circumstances. The city is very bikeable, but not so walkable. Boulder is also the home of the University of Colorado, which nurtures a big arts/culture and fine dining scene and allows seniors to audit courses for a minimal cost. Downsides: Winters are cold and the serious crime rate is above the national average. These include ratings by walkscore.com for walkability (how easy it is to shop and get to places on foot) and by walkscore.com and the League of American Bicyclists on whether dedicated lanes and other measures make it easy to bike around town. Asheville is at moderate risk for natural hazards. Named for a 17th century ship captain, this Atlantic Ocean barrier island sits near 67 golf courses and affords all kinds of outdoor recreation opportunities on land and water, including hiking, fishing, kayaking and boating. One downside: a serious crime rate above the national average. Retiring in Florida is often the first place our minds turn when thinking about tax-friendly places. The four seasons include cold winters. If you stay in town, there is a lively music and arts scene and since this is Arkansas, it includes the Walton Arts Center. Plus, we consider factors that promote an active retirement. There is a high ratio of doctors per capita, good air quality and a low serious crime rate. Social Security benefits are exempt and theres no state estate tax. Oregon has no sales tax but makes up for that with an income tax rate that hits 8.75% at just $18,400 of income for joint filers (with Social Security excluded) and tops out at 9.9% for taxable income above $250,000. There is no state income tax, but Washington state does levy an estate tax. With water on three sides, including the Chesapeake Bay, this charming state capital city 30 miles east of Washington, D.C., is a big draw for those who fancy boating, fishing and kayaking. Median home price:m $564,842. Outdoor experiencesforests, parks, hiking terrain and whitewater paddlingand in-town culture abound around this scenic city in the Blue Ridge Mountains region of western North Carolina. For one thing, the cost of living is cheap. Charlottesville, Virginia brings Southern charm and a university town vibe together. Every year, new data is released on which states are the best for a retiree to reside in, factoring in metrics like affordability, health care, quality of life, crime and weather. Nearby Altoona has the interesting spectacle of camel, ostrich, and zebra races. in Best Places to Retire #3. in Best Places to Live in Pennsylvania #16. in Safest Places to Live #20. in Best Places to Live for Quality of Life; 6.2 Overall Rating. Population: 86,577. The Scotts used the Forbes list, among others, to research potential spots. STATE'S TAX RATING FOR RETIREES: Tax Friendly. 4.9 Desirability. The beach is about a 15-minute drive away. Nearly 40 golf courses, led by famous century-old Pinehurst Resort, plus golf schools dot this idyllic village with a pleasant climate 90 miles east of Charlotte. These are the top 25 cities for retirees. The serious crime rate is above the national average. At an elevation of 2,700 feet, the city is very bikeable, though not as walkable. AVERAGE INCOME FOR POPULATION 65+: $61,780 There is no state taxation of Social Security benefits or estates. Seniors who love the Northeast and the outdoors and low taxes may want to consider Laconia. The city is very walkable and bikeable. Our characterization of local economies comes from the Milken Institutes just-released report, Best-Performing Cities 2022. FEMA rates Portland as having a relatively low natural hazard risk. Among the downsides: Austin has a relatively high (but not very high) risk for natural hazards and a serious crime rate above the national average. Located between the Gulf of Mexico and Tampa Bay, usually sunny Clearwater is awash in outdoor water activities, most notably boating, swimming, diving and fishing. This is a BETA experience. They recently published a shorter list: 7 standout places to retire in 2022. There is no state income tax, but there is a stiff state estate tax and a high sales tax. We also consider factors that promote an active retirement. It is located on the ocean and there are beaches to walk on and play in the water. Every winter, the region's beaches overflow with Ann Arbor is a city of contrasts. Thanks to its famed theater complex, the town of 22,000 also punches above its weight when it comes to art galleries and fine dining a priority for the Griffiths. In fact, the couple met 45 years ago in Sioux Falls, while Rex was a drummer and vocalist for a short-lived hard rock band, ROX, that was inducted last year into the South Dakota Rock and Roll Hall of Fame. 22 Niche users give it an average review of 3.9 stars. The island is somewhat bikeable but not all that walkable. Lancaster, PA, Quick Stats. Pinehurst has a moderate rating on the FEMA National Risk Index evaluating relative natural hazards including flooding, earthquake, heat wave, cold wave and drought. Arts/culture and fine dining are considered tops, while there are ample opportunities for outdoor water and land activities. While our flagship annual best retirement places list identifies locales offering good retirement bang for the buck, this list seeks out value for the soul. Naples has a relatively high (but not very high) risk rating on FEMAs National Risk Index and somewhat less hurricane exposure than certain other Florida coastal towns. Numerous parks and outdoor areas offer hundreds of miles of trails for hiking and biking. Yes, this city of 40,184 was one of the state's 2021 top 10 best places to retire due to its favorable tax rate, access to medical care, recreation opportunities, and social options. . The city is both highly walkable and bikeable and gets high marks for volunteering. Top criteria include the happiness of local residents, housing affordability, tax rates and health care quality. The University of Florida provides a number of lifelong learning opportunities in this leafy college town 115 miles northwest of Orlando. The city is very bikeable, although not very walkable. Theres a plethora of outdoor water and land activities, including dozens of golf courses. Fargo, N.D., is the only place that has made our Best Places list for all 10 years weve compiled it. Flagstaff has a relatively high (but not very high) risk of natural hazards, according to FEMA. The ratio of doctors per capita is high, and there is good air quality. To that end, Forbes has identified 25 top places to follow seven leisure interests in retirement: arts/culture, fine dining, lifelong learning, volunteering, outdoor activities on water, outdoor activities on land, and a special subset, golf. CITY POPULATION: 564,559 The city is very walkable and bikeable. South Dakota has no state income tax. Elevation is 50 feet. Speak with a licensed fiduciary for free. Population 50-plus: 48.4%. For more information on how we rank, read theBest Places to Retire methodology. Lafayette is known as the Cajun Capital City because of its historic association with Cajun French culture. CITY POPULATION: 64,818 This includes county-wide results in the 2020 presidential election and the percentage of a countys population that is fully vaccinated for COVID-19 with at least one booster. Serious crime rate, however, is above the national average. This year, we also used the new FEMA National Risk Index for Natural Hazards which calculates for every county a vulnerability measure for 18 natural hazards, including flooding, hurricanes, landslides, earthquakes and wind. SHARE OF POPULATION 65+: 24.0% AVERAGE INCOME FOR POPULATION 65+: $43,759 The scenic area has extensive parks and waterways conducive to hiking, fishing and boating, plus 21 golf courses. Arts/culture and fine dining are considered tops and there are ample opportunities for outdoor water and land activities. Idahos graduated state income tax rate hits a top rate of 6% at just $15,878 of income for married couples. AVERAGE INCOME FOR POPULATION 65+: $60,914 CITY POPULATION: 16,871 The University of Georgia hosts an Osher Lifelong Learning Institute, plus offers seniors free admission to regular classes. AVERAGE INCOME FOR POPULATION 65+: 9% below the national average In that poll, 22% of still working boomers said they planned to retire later, and 14% sooner, because of the pandemic. There is no state estate tax. Boston has good air quality and abundant doctors per capita. Sarasota has a relatively high (but not very high) risk of natural hazards according to FEMA. CITY POPULATION: 54,100 Elevation is 140 feet. SHARE OF POPULATION 65+: 8.7%. As with Naples, hurricane exposure is real, but less than some other coastal towns. The town is somewhat bikeable, but not all that walkable. SHARE OF POPULATION 65+: 8.8% STATE'S TAX RATING FOR RETIREES: Most Tax Friendly. SHARE OF POPULATION 65+: 13.9% So while our focus on affordability (including low taxes) keeps us from recommending any place in high-cost, high-tax California or New York, we try to spread our picks across the U.S. (a factor that is particularly relevant as Covid-19 hot spots pop up in different locales). There are over 100 parks, not to mention 5 public golf courses and a nature preserve. The surrounding terrain is suitable for hiking and biking. The amount varies year by year; according to the most recent data in 2022 it was $3,284, up from $1,114 in 2021. Here are the 25 greatest states to retire in 2022, ranked from average to best. STATE'S TAX RATING FOR RETIREES: Most Tax Friendly. In a nod to retirees demonstrated preference for warmer locales, more than half our picks are in temperate climates. Elevation is 1,250 feet. Air quality is good. Far-north Fargo, N.D remains the only city on the list for all 12 years weve put it together. If you need less space, its a good idea to think about downsizing. At an elevation of 2,600 feet, Tucson is very bikeable and somewhat walkable. This energetic historic coastal state capital can feed a variety of passions, particularly lifelong learning, given its more than 50 area colleges. To empower a confident, worry-free retirement for everyone. SHARE OF POPULATION 65+: 11.9% There is no state income tax on Social Security benefits and no state estate tax. A confusing state income tax structure tops out at 4.5% on high earners but is scheduled to drop to 2.5% in future years. AVERAGE INCOME FOR POPULATION 65+: $55,729 STATE'S TAX RATING FOR RETIREES: Not Tax Friendly. SHARE OF POPULATION 65+: 8.7% AVERAGE INCOME FOR POPULATION 65+: $84,813 COST OF LIVING FOR RETIREES: 1% below the national average The city is also very highly ranked by the Milken Institute for successful aging, due to an abundance of healthcare professionals and affordable costs. We compiled data on more than 800 places with populations above 10,000, in every state and, yes, the District of Columbia. The state income tax rate is a flat 4.99%, but Social Security income goes untaxed at the state level, and there is no state estate tax. The Wheelers were on a long city hike around Santa Fe when we reached them on a cell phone. COST OF LIVING FOR RETIREES: 5% below the national average Last year, we consulted a University of Notre Dame Urban Adaption Assessment which focuses on issues like sea level rise and heat. Even a pandemic couldnt stop some of the nations 70 million baby boomers from their determined pursuit of an agreeable retirement lifestyle. Another is that Maryland has both a state estate and an inheritance tax. SHARE OF POPULATION 65+: 11.9% You must be at least 18 years of age to become a Retirable Premium user. Suffice it to say, this is a senior-friendly town. Several of the entries are also in convenient proximity to major cities, beaches, lakes, and mountain ranges. CITY POPULATION: 93,949 The doctor data comes from countyhealthrankings.org while air ratings are from the U.S. Environmental Protection Agency. Naples has good weather and air quality, an adequate number of physicians per capita and a very low serious crime rate. CITY POPULATION: 508,090 There are world-class restaurants and no shortage of museums and theaters. Fayetteville has a favorable moderate rating on the FEMA National Risk Index evaluating relative natural hazards. Theres a plethora of outdoor water and land activities, including dozens of nearby golf courses. If the Northeast appeals, Portland, Maine, may be the ideal retirement destination. Another downside: a higher-than-average serious crime rate. FEMA rates Athens as having a relatively moderate risk for natural hazards. Reno bills itself as the Biggest Little City in the World, and its not hard to see why: it has no shortage of restaurants, nightclubs, art galleries, and more. CITY POPULATION: 43,927 But serious crime rate is slightly above the national average. STATE'S TAX RATING FOR RETIREES: Mixed. City is very bikeable. It also has plenty of other cultural attractions, including the Nelson-Atkins Museum of Art. Elevation is 2,200 feet. Doctors are abundant. CITY POPULATION: 214,133 Perhaps 11 of the places on our new list could be considered college towns, which offer convenient opportunities for lifelong learning and great cultural and dining options, particularly for their size. Robbie Caponetto. AVERAGE INCOME FOR POPULATION 65+: $112,933 While the current national median home price is $284,600 according to the Realtors, 13 of this years picks, including Savannah, Ga., Lewiston, Maine and Winston-Salem, N.C., have a median sales price below $200,000. One notable and welcome change this year: With the pandemic seemingly coming under control, weve restored to the list some college towns omitted last year for fear the pandemic would deprive them of the low-cost cultural and educational opportunities that make them so appealing. What drew them to Ashland was the Oregon Shakespeare Festival, which stages nine months a year of productions ranging from the Tempest to modern musicals and is located just 300 yards from their home. Back . Methodology. Lancaster, PA Harrisburg, PA Pensacola, FL Tampa, FL York, PA Naples, FL Daytona Beach, FL Ann Arbor, MI. A city with a large infrastructure for retirees, Gainesville has abundant doctors and good air quality. The ultimate guide to retirement relocation: 20 best places to retire lists, 6 calculators, and tips to help you find your ideal locale. And both ended up at destinations on Forbes new list of The 25 Best Places To Enjoy Your Retirement In 2021. This 422-year-old scenic state capital mountain town, 60 miles north of Albuquerque, punches above its population weight. 5.2 Net Migration. Pluses include good air quality, adequate number of doctors per capita and a low serious crime rate. Download our new guide to help safeguard your retirement. This haven for foodies has a big arts/culture scene, more than 60 area golf courses, lots of other outdoors activities, a culture of volunteering and free senior citizen auditing of classes at Portland State University. Portugal From the old-world charm of cities like Lisbon and Porto to the sun-drenched beaches of the Algarve, Portugal has been a favourite retirement destination for some time. Charleston gets favorable ratings of low to moderate risk on climate change/natural hazard ratings by FEMA and the University of Notre Dame. One downside: a serious crime rate above the national average. This charming and historic coastal city offers legendary fine dining, a big arts scene, outdoor water activities and golf (with 39 courses in the area). Another downside: a higher than average serious crime rate. There is also a state estate tax. The surrounding Sonoran Desert and mountains offer hiking and other outdoor land activities. Read more about our data sources and selection methodology and how the Bibeys and Wheelers made their choices here. You may opt-out by. There are even a dozen or so boating schools. At an elevation of 7,200 feet, the city is very bikeable and somewhat walkable. However, the Southern United States has a lot of other low cost of living and tax friendly areas for retirees to enjoy: CITY POPULATION: 215,006 The serious crime rate is above the national average. City of Largo. In pre-Covid surveys, the number one reason retirees have given for moving to another state is a desire to be closer to familya factor that likely looms even larger now. The ratio of doctors per capita is high, the air quality is good, and the serious crime rate is very low. Boone is somewhat walkable and very bikeable. The serious crime rate is above the national average. Fayetteville is admittedly not a tax-friendly location. Volunteering is a way of life. Des Moines offers big city living at affordable prices. Increased spending increases the risk of depleting your savings and performance is not guaranteed. There is no state tax on Social Security benefits or on estates. There are adequate physicians per capita and good air quality. COST OF LIVING FOR RETIREES: 11% below the national average. But Sioux Falls, one of our 25 picks for the second-straight year, has a median home price of just $296,000, about average for our list. On the down side, FEMAs National Risk Index puts Scottsdale in the second highest of its five natural hazard tiers. Doctors are abundant, air quality is good. Other downsides: San Franciscos serious crime rate is higher than the national average and it has a relatively high (but not very high) natural hazard risk, according to FEMA. The city is also plenty large enough to support a thriving cultural scene. CITY POPULATION: 46,553 At the same time, its small enough to still be charming. Of the top 10 best places to retire per U.S. News and Report,. Santa Fe has a high number of doctors per capita, good air quality and a low serious crime rate. There is no state income tax on Social Security benefits, but there is a state estate tax. Before the Covid-19 pandemic, Timur and Pamela Lacey had flown from their Los Angeles-area home to Austin and Atlanta and were planning trips to Dallas, Savannah, Ga., Charleston, S.C., and the Florida Gulf Coastall in search of a more affordable locale to enjoy an early retirement. The city is pretty walkable and bikeable. There is a low serious crime rate, a very high ratio of doctors per capita and good air quality. We just kept putting on and taking off masks, Steve shrugs. The majority of our picks are in warmer climates, though we do include choices in 18 states across all four continental time zones. What's more, it's affordable: The cost of living is "at national average," Forbes notes, and Social Security income is not taxed in South Carolina. Bozeman, Montana is perfect for people who have always dreamed of more mountains. We compared data on more than 750 places, with populations above 10,000, in all 50 states. 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The happiness of local economies comes from the U.S. in 2023 new York namesake seniors who love Northeast... Outdoor land activities nearby golf courses and a low serious crime rate is above the national average are world-class and. Kept putting on and play in the second highest of its five natural hazard risk year-round with!
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