Relocating for Retirement: Best Places to Retire in the U.S. for Comfort, Cost, and Community
Why Relocation Matters More Than Ever in Retirement Planning
As of 2025, more than 10,000 Americans retire each day, according to the U.S. Census Bureau. But retirement today isn’t just about leaving the workforce—it’s about reimagining your lifestyle. With rising housing costs, healthcare expenses, and the desire for meaningful community, many retirees are choosing to relocate to maximize their quality of life. According to a 2024 report by Fidelity Investments, nearly 42% of pre-retirees are considering moving to a different state for retirement. This shift reflects not only financial considerations but also the pursuit of comfort, access to healthcare, and a strong sense of community.
Top 5 U.S. Cities to Retire in 2025: A Data-Driven Comparison
| City | Median Home Price (2025) | Avg. Healthcare Cost (Annual) | State Tax on Retirement Income | Community Score* |
|---|---|---|---|---|
| Sarasota, FL | $405,000 | $6,200 | No | 9.1 |
| Boise, ID | $390,000 | $5,800 | Partial | 8.7 |
| Greenville, SC | $310,000 | $5,500 | Yes | 8.9 |
| Prescott, AZ | $430,000 | $6,000 | Yes | 8.8 |
| Madison, WI | $360,000 | $5,900 | Yes | 9.0 |
*Community Score is based on a composite of walkability, volunteer opportunities, social engagement, and local events (Source: AARP Livability Index, 2025).
Case Study: Why a Retired Couple Moved from California to South Carolina
Meet Jim and Laura Thompson, both retired teachers from San Diego, CA. In 2023, they sold their home for $1.2 million and relocated to Greenville, SC, purchasing a 3-bedroom home for $320,000. Their annual property taxes dropped from $8,000 to $1,800. “We were able to invest the difference and now live comfortably on our pensions and Social Security,” says Jim. The couple also joined a local hiking club and volunteer at a community garden. “We found more than affordability—we found purpose,” Laura adds.
Expert Insight: What Financial Planners Recommend in 2025
According to Karen Mitchell, CFP® and retirement strategist at Vanguard, “Relocation can add 10-15 years of financial longevity to a retirement portfolio, especially when moving from high-cost states like California or New York to lower-cost states like Tennessee or North Carolina.” She emphasizes evaluating healthcare access, climate, and tax policies. Vanguard’s 2025 Retirement Readiness Report also shows that retirees who relocate tend to have 18% higher satisfaction scores in post-retirement life.
Hidden Gems: Underrated Retirement Towns with High Value
While Florida and Arizona dominate the headlines, towns like Fayetteville, AR and Traverse City, MI are emerging as retirement-friendly hubs. Fayetteville offers a vibrant arts scene, low cost of living, and access to top-tier healthcare via the University of Arkansas Medical Center. Traverse City boasts scenic beauty, four-season recreation, and a strong sense of community. Both towns scored above 8.5 in the 2025 AARP Livability Index.
Scenario Planning: Should You Rent Before You Buy?
Many retirees rush into homeownership in a new state, only to regret it later. A practical approach is to rent for 6–12 months before buying. This allows time to assess the community, climate, and proximity to healthcare. According to a 2025 report by the Urban Institute, 28% of retirees who relocated between 2020–2024 ended up moving again within 3 years due to mismatched expectations. Renting first can save you from costly mistakes.
FAQs: Common Questions About Retirement Relocation
- Q: How do I know if a state taxes my pension?
A: Use the official Retirement Living Tax Guide (2025 updated) to compare tax policies by state. - Q: What about access to Medicare providers?
A: The Medicare Care Compare Tool helps you find providers in your target area. - Q: How do I find social opportunities in a new town?
A: Check AARP’s Livable Communities Index for community engagement scores.
Final Thoughts: Comfort, Cost, and Community Must Be Balanced
Relocating for retirement is not just a financial decision—it’s a lifestyle transformation. The best places to retire in the U.S. are those that offer a blend of affordability, healthcare access, and social connectivity. As a retirement blogger and financial educator, I’ve helped dozens of clients navigate this journey. My advice? Visit potential cities, talk to locals, and run the numbers with a certified financial planner. Retirement is your next great adventure—choose your setting wisely.
Disclaimer
This article is for informational purposes only and does not constitute financial, legal, or medical advice. Always consult with a certified professional before making major life decisions. Data sources include Fidelity (2024), AARP (2025), U.S. Census Bureau (2025), and Vanguard (2025). Archived sources verified via Wayback Machine where applicable.
Author: Michael J. Anders, CFP®, Retirement Blogger and Founder of SmartNestRetirement.com
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