A New Chapter in Retirement: Great Potential. One of the most momentous decisions ever could be choosing which place to retire to. As it would strongly impact your life, finances, and happiness; it’s essential to get some valuable information that is now well available to use, especially for retirement, on the heels of the U.S. News & World Report’s 2025 Best Places to Retire rankings.
These rankings consider factors like happiness, cost, healthcare quality, desirability, taxes on retirement income, and job markets among others that would make this ranking beneficial to those searching to settle in golden years. Next are the best places to retire in 2025 along with the aspects that attract the most attention.
1. Naples, Florida
This Southwestern Florida coastal town combines luxury, natural beauty, and community spirit for its reputation as being the best place to retire in the U.S. in 2025.
Why Naples?
Naples ranks exceptionally high on the happiness and desirability list, with retiree-friendly tax policies. In addition, it has a booming job market, which is great for older adults who want to stay active or work part-time.
Lifestyle Perks:
The beaches are pristine, golf courses are world-class, and the arts and culture scene is vibrant. Naples has the best healthcare facilities in the region for retirees’ medical needs.
For a balance of relaxation, luxury, and community, look no further than Naples.
2. Virginia Beach, Virginia
Coming in at second is Virginia Beach. This one has a nice blend of coastal living and affordability for retirees.
Why Virginia Beach?
This city has scored very high for affordability and happiness. According to its localized data, the city has a healthy job market and is an excellent place to retire.
Lifestyle Perks:
The seniors can enjoy fishing, kayaking, or hiking on beautiful trails. The city boasts a welcoming community and a slow-paced life.
Virginia Beach is suitable for retirees who want to retire by the beach without sacrificing their desire for an affordable lifestyle.
3. New York City, New York
To my surprise, New York City is in third place. Who says a city dwelling is not suited for a retirement lifestyle?
Why NYC?
World-class healthcare and access to every cultural institution make New York City simply unbeatable for retirees who relish diversity and activity.
Lifestyle Perks:
Walkability, vast public transportation options, and loads of entertainment venues in NYC will have a retiree feeling heaven-bound.
For those who love the busy environment and unlimited opportunities, NYC is on the top list.
4. Sarasota, Florida
Sarasota, another gem of Florida, takes the fourth spot on the list.
Why Sarasota?
This city is very happy and affordable. Sarasota also scores well in healthcare quality and desirability.
Lifestyle Perks:
Sarasota features stunning beaches, an exciting art culture, and welcoming residents for that perfect balance between relaxation and activity.
Retirees love Sarasota for an easier life without giving up amenities.
5. Boise, Idaho
Boise is rising fast for retiree folks interested in nature and community.
Why Boise?
Boise has rather a low cost of living in that city, it feels safe and happy. Good health care as well.
Lifestyle Perks:
There are more hiking trails, rivers and mountains to ski within Boise.
Boise is a silent town for seniors to retire in.
6. Raleigh, North Carolina
Raleigh combines old Southern hospitality with modern attractions.
Why Raleigh?
It holds a good place in healthcare access, cost, and even job markets. The city provides a strong and educational atmosphere; it’s just perfect for the young retirees who live actively.
Lifestyle Perks:
Raleigh hosts parks, local culture, and mild weather conditions. This North Carolina city maintains that the community is highly accessible and has been very warm.
If you have a comfort threshold but don’t want it all flat, Raleigh’s a good call.
7. Jacksonville, Florida
Jacksonville, Florida, is ranked seventh because it is affordable and has a beachy feel to it.
Why Jacksonville?
This city offers retirees affordability, great healthcare, and varied recreational activities.
Lifestyle Perks:
Jacksonville is relaxed, has great beaches and cultural and entertainment activities abound.
For those retirees who seek affordability without compromising on quality, Jacksonville fits the bill.
8. Huntsville, Alabama
Huntsville is one of the standout places for retirees seeking affordability and innovation.
Why Huntsville?
The city is known to be living on the low side, with quality healthcare and a very thriving tech scene.
Lifestyle Perks
Huntsville is a historic and scientific place. There are museums, parks, and other cultural events for the older generation of retirees.
It is attractive to retirees who have an appreciation for how tradition and modernity are well balanced.
9. Charlotte, North Carolina
A place of urban sophistication and Southern hospitality.
Why Charlotte?
The city boasts a lively job market, high-quality healthcare facilities, and an abundance of culture.
Lifestyle Perks:
Retirees can enjoy greenways, museums, and a rich culinary landscape. Charlotte’s weather and community make it a desirable destination.
Charlotte is perfect for retirees who want a dynamic yet comfortable lifestyle.
10. Fort Wayne, Indiana
Fort Wayne takes the last spot in the top ten with its affordability and small-town charm.
Why Fort Wayne?
The city is highly affordable and safe, with strong community bonds. Its healthcare facilities are well-equipped to cater to retirees.
Lifestyle Perks:
Fort Wayne hosts cultural festivals, community events, and outdoor activities, making it a hidden gem for retirees.
For those seeking a simple and affordable retirement, Fort Wayne is an excellent option.
Key Factors for Retirement Destinations
The U.S. News rankings are based on six critical factors:
Happiness: Emotional well-being of residents.
Affordability: Cost of living and housing.
Healthcare Quality: Access to medical services.
Desirability: How appealing the city is to retirees.
Taxes: Retiree-friendly tax policies.
Job Market: Opportunities for part-time or flexible work.
Why the Midwest and South Lead the Rankings
The Midwest and South lead the rankings because of their affordability, mild climates, and welcoming communities. These regions often offer retirees a chance to stretch their dollar further while enjoying a high quality of life.
Conclusion
The retiree’s dream is to dwell on what’s worthwhile—happiness, health, and community. The top 10 cities have individuality from the sunny beach of Florida up to the hubs of the culture of North Carolina.
Naples, Florida continues to be that destination for luxurious happiness, though Raleigh, Huntsville, or Fort Wayne is a good one as well.
This is your time to shine. Look at the options available, prioritize your needs, and choose a city that fits into your vision for the future. With these insights, your dream retirement destination awaits.
