Best Places to Retire in the U.S.

Personal finance is also a key factor to consider when evaluating retirement destinations, as it can impact your overall well-being and lifestyle.

1. Arizona

When it comes to retirement, Arizona truly has it all. With beautiful golf courses across the state, year-round sunshine and the vibrant city of Phoenix—the largest city in Arizona—there isn’t a whole lot you can’t find here. Plus, you’re safe from any extreme weather conditions like hurricanes and tornadoes you may find in other retirement hotspots. Arizona is often ranked among the best states for retirees, and many consider it the best place to enjoy your retirement years. 

Arizona is an excellent retirement destination for several reasons. The state offers a warm, sunny climate that allows retired individuals and older Americans to enjoy outdoor activities year-round, from golfing to hiking in beautiful desert landscapes. Arizona’s cost of living is generally affordable compared to many coastal states, with lower cost and low cost of living options, making it attractive for those on a fixed income or retirement income. The average home value in Arizona is competitive, and the state offers a range of affordable housing and housing options, whether you are looking for a house in a quiet suburb or a retirement community with easy access to amenities. The average home in Arizona is more affordable than in many other states, and the lower cost of housing helps retirees maximize their budgets. Additionally, the state has a low state income tax and no tax on Social Security benefits, which helps retirees keep more of their retirement income. 

With excellent healthcare facilities, including specialized care for seniors, and a welcoming community atmosphere, Arizona provides retirees with both comfort and convenience. The diverse cities and towns offer a variety of lifestyle options, whether you prefer a quiet suburb, a vibrant urban environment, or a friendly town, making it easy to find a new place to call home. Many communities feature a wide selection of restaurants and easy access to shopping, entertainment, and outdoor recreation. Transportation options are available for seniors, making it convenient to get around for appointments, errands, or social activities. If you are seeking a retirement community, Arizona offers many choices to suit different preferences and needs. According to data from companies like Niche.com, Arizona consistently ranks as one of the best states for retirees due to its population diversity, amenities, and overall quality of life.

Although Arizona is known for its toasty summers, the northern part of the state offers several cooler destinations that are perfect for day trips or weekend getaways. Areas like Flagstaff, Prescott, and Sedona provide milder temperatures, especially during the summer months, with lush forests, pine-covered mountains, and scenic landscapes that contrast the desert heat of the southern regions. Flagstaff, sitting at an elevation of about 7,000 feet, boasts cooler weather year-round and offers plenty of outdoor activities such as hiking, skiing in the winter, and exploring the nearby Grand Canyon. Prescott, known for its charming downtown and historic sites, enjoys a moderate climate with comfortable summers and crisp winters. Sedona, famous for its stunning red rock formations and vibrant arts community, also benefits from cooler temperatures due to its higher elevation. While Arizona lacks ocean access, many retirees and visitors often take a scenic six-hour drive to the beaches along southern California for a coastal escape. These northern destinations provide a refreshing alternative for those seeking respite from the desert heat while still enjoying Arizona’s natural beauty and active lifestyle.

2. Florida

Many retirees choose Florida for its attractive financial benefits. The state has no state income tax, which means Social Security benefits, pensions, and retirement income are not taxed, allowing retirees to keep more of their hard-earned money. Additionally, Florida does not impose estate or inheritance taxes, and while there is a sales tax, the overall tax environment remains favorable for retirees. This makes it easier to pass on wealth to heirs. 

While the cost of living is generally reasonable compared to other popular retirement destinations, it’s important to note that homeowners may face higher insurance costs due to hurricane risks. Despite this, the overall tax-friendly environment, combined with affordable property taxes and no tax on retirement income, makes Florida a financially appealing choice for many retirees looking to stretch their fixed income and enjoy a comfortable retirement lifestyle. Florida also has the third lowest death rate for seniors, contributing to its reputation as a healthy place to retire. The Older Americans Act provides funding for senior programs in Florida, including nutrition programs and homemaker assistance, further supporting retirees' quality of life.

3. Texas

Texas is home to many small towns that attract retirees. Because the state is so large, it’s easy to find a region that offers a climate and living conditions suitable to your lifestyle. Retirees can choose among rural environments, quiet suburbs or bustling cities. 

For those who want temperate climates, head to central Texas to get mild summers and cool winters. Aside from the weather, Texans are known for being especially proud of their home. If you plan to move to the Lone Star state, get ready to show off your Texas pride.

4. South Carolina

If you’re looking to travel east, South Carolina is quickly becoming a hot retirement destination. The state is full of history, quaint beach towns and, of course, southern hospitality. Similar to Arizona, retirees head to South Carolina for a vacation lifestyle and great golf courses. Although residents love the nearby ocean, they do frequently experience intense storms throughout the year and humid summer months. 

Colorado is an excellent choice for retirees seeking an active lifestyle combined with stunning natural beauty. Known for its diverse landscapes, from the Rocky Mountains to the ninth-most scenic byways, the state offers abundant outdoor activities such as hiking, skiing, golfing, and exploring its many parks. Colorado is also home to the third-highest percentage of physically active seniors and the fourth-highest percentage of seniors in good health. The state ranks sixth in the nation for volunteer opportunities for seniors, helping to reduce social isolation and promote community engagement. Retirees in Colorado benefit from favorable tax rates, including low income taxes and no estate or inheritance taxes, and access to quality health care. Colorado is recognized for its low crime rate and some of the lowest rates in key health and safety metrics, making it a safe and healthy place to retire. Additionally, Colorado offers a vibrant cultural scene with numerous theaters, volunteer opportunities, and entertainment options, ensuring retirees can stay socially engaged and make new friends.

For more advice on retirement be sure to check out our blog: Helpful Tips For Retirement Planning 

For those who choose Arizona as their retirement location, Superstition Mountain Golf & Country Club makes for a wonderful home. Residents can enjoy beautiful weather while playing golf on our two Nicklaus Design golf courses year-round. Beyond golf, the club offers an active lifestyle with numerous social events, fitness facilities, and dining options that foster a strong sense of community. Whether you are looking to purchase a home or explore membership opportunities, our dedicated team is here to help you find the perfect fit. For more information about membership or real estate options, please contact us directly through our website or call our membership office. We look forward to welcoming you to the Superstition Mountain family and helping you enjoy your golden years in this exceptional community.