Best States to Retire in the U.S. in 2026, Ranked by What Retirees Value Most

What's the best state to retire in? To answer that question, The Motley Fool surveyed 2,000 retired Americans to understand what matters most in retirement and used those insights to rank the best places to retire across the United States.

Based on the survey results, The Motley Fool identified seven key retirement factors and weighted each according to retiree preferences: quality of life (31%), healthcare access and quality (15%), housing affordability (13%), crime and safety (12%), weather and climate (12%), state and local taxes (11%), and non-housing affordability (6%). These weightings were applied to secondary data from eight public and institutional datasets to calculate a final retirement score for every U.S. state, reflecting real retiree needs and preferences rather than assumptions about where people “should” retire. The full methodology and data sources are available at the end of the report.

The Motley Fool’s Best Places to Retire list reflects what retirees value most on average, but there’s no single “right” retirement destination for everyone. The best place to retire depends on personal priorities and expected retirement income. For some, that means keeping costs low so that savings and investments in their retirement accounts go further. Others may place more weight on access to amenities or choosing a more expensive location with great weather.

With that in mind, here's The Motley Fool’s Best States to Retire list.

The 50 Best States to Retire To

1. Florida

Florida is the ultimate destination for retirees, thanks to favorable tax rules, a huge choice of 55+ communities, excellent healthcare options, and warm winters. Top hot spots for retirees in Florida include Fort Lauderdale, St. Augustine, and Miami.

Pros: No tax on Social Security and no state income tax; world-famous retirement communities like The Villages; Mayo Clinic Jacksonville and Tampa General Hospital offer high-quality healthcare; warm weather year-round; very low crime; numerous international airports; and coastal living with beautiful beaches.
Cons: Hurricane risks; tourists cause crowding and traffic congestion; homeowners' insurance premiums are very high; HOA fees are rising in most areas; and most metro areas are not very walkable.

2. California

Some parts of California offer even better weather than Florida, with seniors able to choose between affordable areas with warm winters and hot summers or costlier locales with dream views and perfect weather year-round. Top locations for California retirees include Bakersfield for affordability and San Diego for amenities and gorgeous weather.

Pros: Great weather in many areas; many cultural amenities, including the San Francisco Symphony and the Getty Center; some walkable areas, especially in San Francisco; world-famous beaches and state parks; and top-tier healthcare, including Cedars-Sinai and UC San Francisco.
Cons: Very expensive cost of living in most areas; among the most expensive housing in the country; cheaper locations tend to have very hot summers; high state income taxes; wildfire, earthquake, and air-quality risks.

3. Texas

Texas offers retirees an income-tax-free state, mild winters, much lower living and housing costs than California, and the chance to live in cities known for their vibrant culture and high-quality healthcare options. Dallas, Austin, and Killeen are all top retirement destinations in Texas, albeit for different reasons.

Pros: Favorable tax rules; many areas have affordable housing and a very low cost of living; major healthcare systems, including UT Southwestern and MD Anderson Cancer Center, ensure seniors get the care they need; numerous international airports, including Dallas-Fort Worth; and low cost of living in many locales.
Cons: Summers can be very hot, with temperatures in the triple digits; property taxes can be very high, especially in certain areas, including Dallas, Houston, and Austin; there are storms and flooding risks; and some rural areas lack good healthcare options.

4. Michigan

Despite its cold and snowy winters, Michigan offers plenty of scenic areas, college towns with abundant amenities, and largely reasonable costs of living. Some of the best places for retirees to settle in Michigan include Lapeer, Port Huron, and Oakland County.

Pros: Many attractive suburbs with affordable housing; quaint college towns; living and housing costs are extremely low; and healthcare options are good, including the University of Michigan Health (Ann Arbor), Beaumont Health (Royal Oak), and Spectrum Health, which can provide specialized care.
Cons: Significant economic inequality in many parts of the state; higher state and local taxes than in the Sun Belt; industrial-era cities in decline may have lingering urban blight, and revitalization is taking time; most areas aren't very walkable and have limited public transportation.

5. Wisconsin

Wisconsin has a strong Midwestern appeal, with retirees finding friendly communities, college towns, outdoor recreation opportunities, and beautiful scenery. Milwaukee is one of the top places for retirees in Wisconsin, and it's well worth considering.

Pros: Midwestern charm; lakefront communities, including Lake Geneva and Door County, provide easy access to recreation; home prices and the cost of living are low; many communities have low crime; great statewide healthcare outcomes.
Cons: Income and property taxes can be high; some retirement income is taxed; the winter season is very long; most areas are car dependent; and there are gaps in access to healthcare in rural areas.

6. Ohio

Value-conscious retirees will appreciate a low cost of living in Ohio, as well as world-famous cultural amenities, including the Cleveland Museum of Art, Cincinnati Symphony, and more. Some of the best places for retirees who want to spend their later years in Ohio include Cleveland, Lorain, and Wood County.

Pros: Modestly priced homes in many locations; cost of living is low overall; some areas are walkable, including Over-the-Rhine in Cincinnati; large cities have top-notch hospitals, including the Cleveland Clinic; and there are plenty of places to find outdoor fun, including Cuyahoga Valley National Park.
Cons: Winters are cold and snowy; public transportation options aren't very good in most areas; some types of retirement income are taxed; and there are high pollen levels in Columbus and Cincinnati that can cause problems for asthmatic retirees or those with severe allergies.

7. Pennsylvania

Pennsylvania has an abundance of historic towns, and many former industrial areas in the state have undergone revitalization to provide excellent living options for retirees. Areas that have a lot to offer seniors in Pennsylvania include Allentown, Pittsburgh, Williamsport, Philadelphia, and Armstrong County.

Pros: Deep history in many areas, including Gettysburg and Philadelphia; extremely low cost of living and housing costs; no tax on Social Security benefits; good access to healthcare, including UPMC; some areas like Philadelphia have good public transport options like SEPTA; and four-season recreation is available in the Poconos.
Cons: Urban crime is high in some areas, including parts of Philadelphia; Pennsylvania is home to many old houses that need cosmetic and sometimes structural improvements; property taxes are especially high in certain areas, including Philadelphia and Pittsburgh; winters are cold and long.

8. Minnesota

Minnesota offers safe communities, world-class healthcare options, including the Mayo Clinic, and many cultural amenities in metro areas throughout the state. Places retirees should consider settling for the best Minnesota experience include Minneapolis and Saint Paul.

Pros: Outstanding healthcare options, safe suburbs for retirees to settle; senior-friendly services, including many senior programs; housing and the cost of living are low; cultural options like Guthrie Theater and Minnesota Orchestra; and good public transportation in many areas.
Cons: Harsh winters; high taxes, including tax on Social Security benefits for some retirees; the season for outdoor recreation is short; and homes in desirable neighborhoods carry higher housing costs.

9. Washington

Washington State has many thriving cities due to the presence of big tech, as well as gorgeous scenery and no state income tax. Seattle can be an especially great choice for retirees despite its gray weather because of its spectacular outdoor amenities and scenery as well as its walkable areas.

Pros: No state income tax; top-tier healthcare systems, including UW Medicine; Puget Sound and Olympic National Park offer amazing views; and temperatures are generally moderate without major swings.
Cons: Housing and rent are both very high; winters are gray and rainy; wildfire smoke can cause respiratory issues; heat waves are a risk; and sales and excise taxes are very high.

10. Georgia

Mild winters and an affordable cost of living have prompted a growing number of retirees to settle in Georgia. Prime areas for seniors to live in the state include Savannah and the Atlanta suburbs.

Pros: Moderate housing costs in most parts of the state; extremely low cost of living; Emory Health and other top-notch medical care options are available, though statewide healthcare outcomes are subpar; winters are mild; and Georgia offers tax exclusions for retirement income.
Cons: Summer is hot and humid; traffic gets very congested around metro areas; and most of the state is very car dependent.

11. Arizona

Arizona's desert climate, including dry heat, draws in retirees who don't want a cold winter, while an abundance of retirement communities and amenities catering towards seniors in areas like Phoenix, Tucson, and Sedona explain why so many seniors end up in Arizona.

Pros: Hundreds of sunny days each year; no tax on Social Security and low tax rates for other retirement income; many 55+ developments, including Sun City and Sun City West; lower cost of living and housing outside of cities; and strong healthcare options in major metro areas, including Mayo Clinic Phoenix.
Cons: Ongoing drought issues create long-term concerns about the future; summer brings extreme heat; some desirable areas have high home prices and expensive HOA fees; and most areas are car dependent.

12. New Jersey

New Jersey offers beaches, access to major metro areas including New York City and Philadelphia, low crime, and great healthcare outcomes. Jersey City, Hoboken, and Princeton are spots worth looking at for seniors retiring to New Jersey.

Pros: Access to major metro areas; no tax on Social Security and some tax exclusions for other retirement income, though the overall tax burden is very high; excellent healthcare; very low crime; a number of walkable towns, including Princeton and parts of Jersey City; and beach access in Ocean City and Cape May.
Cons: Property taxes are extremely high; roads can get very congested, especially when tourists hit the beaches; housing stock is older and thus has high renovation risks in many areas; and snow, ice, and nor'easter storms can make winter miserable for retirees.

13. Indiana

Indiana has a very low cost of living, many attractive rural areas for retirees who want to step away from the hustle and bustle, and tax breaks on Social Security benefits. Fort Wayne is an especially popular Indiana destination for retirees, although there are other attractive areas as well.

Pros: Among the lowest cost of living and housing in all 50 states; no tax on Social Security and property tax relief to retirees; and access to the Indianapolis Museum of Art and other cultural activities.
Cons: Indiana has lower overall hospital quality scores and health rankings than nearby states; summer can be hot and humid, while winter can be very cold; income from 401(k)s, IRAs, and many pensions is taxed.

14. Illinois

Illinois is home to Chicago, a top urban center that has a lot to offer retirees. There is no tax on retirement income in Illinois, including Social Security, pensions, or withdrawals from traditional retirement accounts, though the overall tax burden is high. There are also plenty of affordable places that are great for retirees, including Peoria, Rockford, and Springfield.

Pros: Lakefront recreation in areas along Lake Michigan; good healthcare outcomes across the state; cultural institutions, including the Chicago Symphony Orchestra and the Art Institute of Chicago; many walkable neighborhoods.
Cons: Property taxes are extremely high; there are some high-crime areas in and around Chicago; gas and sales taxes are higher than in many areas; and harsh winters bring icy, cold, windy, and snowy conditions.

15. Maryland

Maryland is close to Washington, D.C., with many areas accessible by public transportation. Gorgeous towns like Annapolis and Baltimore also provide waterfront shopping, dining, and recreation.

Pros: Top-notch healthcare options, including Johns Hopkins Hospital and the University of Maryland Medical Center; easy access to D.C. amenities; walkable areas; excellent public transportation in much of the state; and four seasons, but winters that are relatively minor compared to some other areas in the mid-Atlantic region.
Cons: State income tax on most retirement accounts; home prices and housing costs are expensive in much of the state; property taxes and fees can be high; and there are urban crime issues in some areas.

16. New York

New York offers retirees the chance to live in bustling cities or small towns. From charming lakefront towns like Skaneateles to areas like Buffalo that are under revitalization to big cities like Manhattan, there are options for every retiree.

Pros: Excellent healthcare options in much of the state, including in regional areas like Buffalo; walkable neighborhoods in locations big and small, including Manhattan, Brooklyn, and Ithaca; many areas offer strong libraries and community centers; and diverse housing choices exist throughout the state.
Cons: High state income taxes, expensive property taxes, and some retirement income is taxable. Winters can be harsh, especially upstate, and major cities have a lot of congestion and noise, while long-term care comes at above-average costs in the state.

17. Oregon

Oregon offers mild temperatures in the Willamette Valley; good access to healthcare; a strong focus on the environment in much of the state; and a progressive culture. Portland, Newport, Eugene, and Salem all have a lot of great features to offer seniors.

Pros: Many neighborhoods are walkable; Cannon Beach and Newport provide coastline; lots of outdoor recreational activities throughout the state; tours of wine country are a favored leisure activity; strong food culture; and no sales tax.
Cons: Most retirement income is subject to state tax; areas of Oregon see lots of rain and gray skies; wildfire smoke can be an issue; public transportation is limited outside of Portland; and housing costs in popular areas can be very high.

18. Massachusetts

Massachusetts has a lot to offer retirees, including a vibrant culture, top-notch healthcare, and many walkable historic towns. Boston, Salem, Newton, and Cambridge are all great retirement destinations in the state, although there are coastal living centers at Cape Cod and Martha's Vineyard to consider as well.

Pros: Tons of cultural opportunities throughout the state, including the Boston Symphony Orchestra and events at Harvard and MIT: top-notch universities create vibrant college towns; very low crime; many walkable areas; strong public transportation in Boston; relatively mild summer weather; and coastal access on gorgeous beaches.
Cons: Many areas get crowded with tourists; housing costs and overall cost of living are very high; high taxes and state taxes on retirement income; winters can be cold; and lots of traffic congestion throughout the state.

19. North Carolina

North Carolina's mild weather and diverse array of living options, from hip cities to small coastal towns, have made it an increasingly popular destination for retirees. Favored living areas among seniors include Asheville and the Raleigh suburbs as well as coastal regions.

Pros: Duke University Hospital and UNC Hospital offer top-notch healthcare; affordable housing in areas like Raleigh, Greensboro, and Winston-Salem; Clayton, Cary, Holly Springs, and Brunswick County have lots of social activities for retirees, along with popular active -duty communities; and plenty of opportunities for outdoor recreation, including in the Great Smoky Mountains.
Cons: Summers can be hot and humid; some areas have a high property tax burden; rapidly growing areas are leading to traffic congestion and overcrowding; and there's a risk of hurricanes and flooding in coastal regions.

20. Iowa

Iowa offers opportunities for a quieter pace of life in mid-size cities; some areas, including Iowa City, offer a college-town feel; traffic is light even in metro areas; and there are many small towns with tight-knit communities. Cedar Rapids and Des Moines can be great options for retirees who want city life with less hustle and bustle.

Pros: Very low housing and living costs; strong healthcare options are available at the University of Iowa Hospital and in Des Moines and Cedar Rapids; Iowa City and Ames offer lectures and cultural events at the University of Iowa and Iowa State University; many small towns have frequent community events and active churches that create plenty of social opportunities.
Cons: Fewer major cultural amenities than many states; tornadoes, severe thunderstorms, and harsh winter weather are not ideal weather for retirees; and limited public transportation options in most of the state.

21. Colorado

Colorado is a great option for active retirees and has a strong outdoorsy culture and excellent access to healthcare in major metro areas. The mild climate and 300+ days of sun are also attractive to retirees. Top places to live in the area include Boulder, Denver, and Colorado Springs.

Pros: Excellent outdoor recreational opportunities in much of the state, including access to Rocky Mountain National Park; over 300 days of sun and low humidity; strong statewide healthcare outcomes; and plenty of cultural amenities, including the Denver Art Museum and the Denver Center for Performing Arts.
Cons: High altitude can be an issue for retirees; housing costs are high; statewide crime rates are above the national average; while the weather is mild, there is still snow in the winter; wildfire smoke can impact indoor air quality; and most areas are car dependent.

22. New Hampshire

New Hampshire provides small New England towns, proximity to Boston, plenty of places with small-town charm, and outdoor recreational opportunities, including coastal areas and White Mountain National Forest. Retirees will appreciate the lack of income and sales tax and can look into top retirement destinations like Dover and Portsmouth.

Pros: Proximity to Boston healthcare options; charming small towns with historic architecture and ample dining, retail, and shopping opportunities; low crime in many areas; very low taxes; and coastal access at Hampton Beach.
Cons: Property taxes are very high; rural areas have limited access to healthcare specialists without long drives; winters can be cold and snowy; and aging housing stock may mean retirees have to pay for lots of renovations.

23. Alaska

Alaska offers coastal communities, unparalleled scenery, a rustic way of living, and no state income tax or sales tax in many locations. There are plenty of opportunities for outdoor recreation; daylight is abundant in the summer; and some residents are entitled to permanent fund dividends that provide a small income boost. Top areas for retirees to live include Fairbanks, Anchorage, and Juneau.

Pros: Very low taxes for retirees and even the potential for dividends; glaciers, mountains, and coastline provide unmatched beauty; strong sense of community in small cities.
Cons: Winters are long, dark, and extremely cold; the cost of living is very high; living in Alaska can be very isolating due to the long travel distance to the Lower 48 states.

24. Virginia

Virginia has something for everyone, with coastal living, historic charm, and large metro areas. Costs are moderate, and there are strong healthcare networks as well as close proximity to Washington, D.C. Top places for retirees to live include Portsmouth, Lynchburg, Virginia Beach, and Norfolk.

Pros: No taxes on Social Security; very low cost of living; moderate four-season climate; walkable urban areas; and proximity to D.C. provides plenty of opportunities for cultural enrichment.
Cons: Some retirement income is taxed, and some areas have high property taxes and expensive housing costs; coastal areas come with flood and hurricane risks; costs of living in NOVA can be very high; and there can be a lot of traffic congestion, especially in the northern Virginia area along I-95, I-66, and the Beltway.

25. Missouri

Missouri has a lot of appeal for retirees interested in outdoor recreation, college-town amenities, and low housing and living costs. Top places to settle include Springfield, Columbia, and parts of Kansas City's suburbs.

Pros: Housing and living costs can be very affordable; the University of Missouri in Columbia creates a college-town vibe; The Ozarks and Table Rock Lake provide boating opportunities and other outdoor activities; taxes are moderate, with reasonable property taxes and no tax on Social Security; and some of the bigger cities have excellent cultural amenities, including the St. Louis Symphony Orchestra.
Cons: Many rural areas have limited access to healthcare specialists; the weather fluctuates between hot, humid summers and cold winters; most areas, including major metros, are car dependent.

26. South Carolina

South Carolina offers a warm climate with mild winters, beautiful coastal regions, and favorable tax rules for retirees, including no tax on Social Security and generous deductions on retirement income. Top places for retirees to live in the state include Hilton Head Island, Bluffton, and Charleston.

Pros: Historic areas like Charleston offer walkable streets and restaurants; numerous coastal areas with gorgeous beaches; lower housing costs and cost of living than many coastal areas; opportunities for an active lifestyle in outdoor areas like Congaree National Park.
Cons: Quality-of-life and crime scores are below the national average; significant flooding and hurricane risks; public transportation is limited in most areas, including in big cities; and there are lots of pollen and pests, including mosquitoes.

27. Rhode Island

Rhode Island is a small state with big benefits for retirees, including good healthcare options, charming coastal towns, walkable urban areas, and train access via Amtrak and MBTA commuter rail to Boston and New York City from Providence. Top places to live include Providence, Newport, and Narragansett.

Pros: Traveling throughout the state is easy; cultural enrichment opportunities at RISD Museum and local music festivals; excellent healthcare options at Rhode Island Hospital, Lifespan, and in nearby Massachusetts; crime is very low statewide; walkable urban areas; and cute coastal towns with historical districts.
Cons: Very high housing costs in desirable areas; high property taxes; taxes on many forms of retirement income; tourists can create congestion and big crowds; and winters are cold with the potential for Atlantic storms.

28. Nebraska

Nebraska features affordable housing and a slow pace of life for retirees who like a small-town feel. Retirees can check out affordable destinations like Lincoln and Omaha.

Pros: Some college-town amenities, especially in Lincoln, where the University of Nebraska is located; decent hospitals in Omaha and Lincoln; many small towns have strong communities; housing prices are extremely affordable relative to national averages; and the central location allows for easy access to Denver, Chicago, and Kansas City.
Cons: Nebraska taxes Social Security and some retirement income; there are few major metro areas; tornado risk in the Great Plains; hot and humid summers and cold winters; and almost the entire state is very car dependent.

29. Connecticut

Connecticut has solid healthcare options and is close to both Boston and New York, but it can be very expensive to live there, with high taxes and living costs. Retirees may enjoy living in smaller towns like Mystic and Old Saybrook or in areas like Greenwich, which offers commuter-rail access to New York City.

Pros: Very close to New York and accessible to the city by train from many locations; charming small towns and coastal towns; walkable suburbs in some areas like New Haven; and top-notch healthcare, including Yale New Haven Health.
Cons: Complicated tax rules in addition to high taxes; very expensive cost of living in suburbs close to New York; lots of traffic leads to congestion and makes commutes difficult; and winters can be cold and snowy.

30. Kansas

Kansas offers a slower pace of living, even in many cities, as well as low housing costs and a low overall cost of living. Wichita, Topeka, and Kansas City are good metro areas for retirees who want some urban amenities with less chaos.

Pros: Housing is affordable, and costs of living are low; fairly good healthcare in major metro areas; limited traffic congestion even in urban areas; and classic small-town living with many community events and active local church communities.
Cons: Kansas taxes retirement income, including Social Security benefits for high earners; summers are hot and humid, and winters are cold; tornado and thunderstorm risks; cultural amenities are limited; rural areas may lack high-quality healthcare options; and many areas are car dependent.

31. Utah

Utah is a prime destination for active retirees who enjoy being outdoors and who appreciate the mountain views. St. George is a top destination for retirees, with a growing number of 55-and-over communities in the area.

Pros: University of Utah Health and MountainStar provide good healthcare options, particularly in metro areas; close proximity to Zion, Bryce Canyon, Arches, and ski resorts like Park City; and a dry climate can be easier on the joints.
Cons: High earners still face taxes on Social Security; retirees may struggle with high altitudes in many parts of Utah; homes along the Wasatch Front have experienced rapidly rising housing costs; and most suburbs are car dependent.

32. Idaho

Boise, Idaho Falls, and Twin Falls were once top retirement destinations, but housing prices have increased in recent years due to high demand. Idaho still offers benefits for retirees, though, including walkable midsize cities, low crime rates, and a low cost of living.

Pros: Very low crime and cost of living; ample opportunities for outdoor recreation throughout the state, especially in the mountains and lakes surrounding Boise, Coeur d’Alene, and Sun Valley; warm summers but with limited humidity and cold winters but with ample sun; a growing presence of retirees has resulted in more senior-friendly amenities, including retirement neighborhoods and golf communities.
Cons: Housing costs are on the rise in in-demand areas; limited access to quality healthcare outside Boise; most areas are car dependent; air-quality issues due to wildfire smoke; and snowy and icy conditions can create safety issues in the winter.

33. North Dakota

Low costs are top reasons to choose North Dakota as a retirement destination, although winters can be long and cold, and crime rates are above the national average. Grand Forks is a good option for those looking to retire in North Dakota despite the weather.

Pros: Homes are extremely affordable, including in metro areas like Grand Forks, Fargo, and Bismarck; low traffic in much of North Dakota; many small rural communities offer a slow pace of living and a strong sense of community.
Cons: Winter weather can be harsh, with heavy snow and frigid temperatures; limited cultural and entertainment options outside of university towns; healthcare options are limited but statewide outcomes are good; and retirees will be car dependent throughout the state.

34. Wyoming

Wyoming charges no state income tax and puts retirees close to top destinations, including Yellowstone National Park and Grand Teton National Park. Quiet towns like Laramie, Sheridan, and Lander could be good options for seniors looking for a slow-paced life.

Pros: Outdoor recreational activities are unmatched; housing costs are very reasonable outside of expensive destinations like Jackson Hole; many small towns provide rural living with strong community ties; and a low overall tax burden, including low property taxes in many areas.
Cons: Many areas lack access to high-quality healthcare; traveling to airports can require a long drive; winter can be cold and windy, with frequent storms; the most in-demand areas are incredibly expensive; and a small population means fewer amenities for retirees.

35. South Dakota

South Dakota offers an affordable cost of living and favorable tax rules for retirees; however, rural areas have limited amenities, and winters can be harsh. Sioux Falls can be a good option for retirees seeking a city with a newly revitalized downtown and expanding amenities.

Pros: Low tax burden, including low property taxes, no state income tax, and no tax on Social Security or other retirement income; very affordable housing costs and a low overall cost of living; outdoor recreational opportunities at Badlands National Park and in the Black Hills.
Cons: Winters are cold and snowy; healthcare options are limited outside of big cities; risks of severe storms and tornadoes; few cultural amenities; and the state is very car dependent.

36. Montana

Montana has spectacular scenery, idyllic college towns, and low property taxes, but the housing market has been heating up in in-demand areas, and the winters are very long. Missoula and Bozeman provide a college-town feel that many retirees appreciate.

Pros: Low crime in most areas; plenty of slower-paced small towns with tight-knit communities; property taxes well below those of many other states; and spectacular scenery and outdoor recreational opportunities at Glacier National Park and Flathead Lake.
Cons: Limited access to healthcare, especially outside of metro areas; air-quality issues due to wildfire smoke; snowy and cold for a good portion of the year; tourists can create crowds; and the state is car dependent.

37. Kentucky

Costs of living and housing are both affordable in Kentucky, and the Appalachian Foothills and BlueGrass region offer gorgeous scenery. Retirees can consider college towns like Lexington and the surrounding horse country, or try cities like Louisville for a more urban experience.

Pros: Housing is very affordable, even in metro areas like Bowling Green and Lexington; Social Security is tax exempt, and there's a large exemption for other retirement income; Lake Cumberland and Kentucky Lake offer outdoor recreation and boating; crime is low; and many rural towns have strong communities with local festivals.
Cons: Kentucky ranks very low on key public-health metrics, which puts strain on the local healthcare system; healthcare quality varies, with top-tier care mostly found in Louisville; summer can be hot and humid; there's a tornado risk; and there are fewer amenities relative to the state’s population than elsewhere.

38. Maine

Maine provides world-famous coastal towns, including Portland and Bar Harbor. It consistently ranks as one of the safest states in the country and offers attractive fall foliage as well as coastal summer weather, but unfortunately, winters are cold and snowy.

Pros: Some walkable towns with coastal New England charm, including Brunswick, Portland's Old Port, and Belfast; low crime; good healthcare access in hubs like Bangor and Portland; and outdoor recreation at Acadia National Park.
Cons: Winters are long, cold, and snowy; state and local taxes are high, and Maine taxes many types of retirement income, as well as charging high property taxes in in-demand areas; high housing costs in the most popular locations; dining and cultural amenities are few; airport access is limited; and tourists can cause overcrowding in the summer and fall.

39. Oklahoma

Oklahoma has favorable tax rules for retirees, a low overall cost of living, and affordable housing. Top destinations in Oklahoma include Oklahoma City and Tulsa, which have seen recent development and now offer more amenities to retirees.

Pros: No tax on Social Security, a portion of other retirement income is tax deductible, and property taxes are low; housing is affordable; major urban areas are undergoing revitalization; and traffic is low, so commuting is easy.
Cons: Below-average healthcare ranking in terms of both access and outcome; despite a generally warm climate, there is potential for severe weather, including hail, and severe thunderstorms, especially in the central and eastern parts of the state.

40. Tennessee

Tennessee has favorable taxes for retirees and offers some unique cultural attractions, including access to the music scene in Nashville. Mild winters and a growing number of 55+ communities near Nashville and Knoxville could make these areas attractive places for retirees to call home.

Pros: No state income tax and low property taxes; very low costs; picturesque Smoky Mountain towns near Gatlinburg offer beautiful scenery; good access to cultural amenities; and winters are mild.
Cons: Some areas, including parts of Memphis, have high crime rates; Tennessee ranks poorly in many healthcare metrics; and summers are hot, long, and humid.

41. District of Columbia

Washington, D.C., is best known as the nation's capital. While it is expensive to live there, it also offers great perks, including very walkable areas, top-notch public transportation, and excellent access to healthcare.

Pros: Many cultural amenities; top-notch healthcare options, including George Washington University Hospital and nearby Johns Hopkins; an engaged civic culture due to strong government presence; and easy access to multiple airports, including Reagan National and Dulles, to make travel easy.
Cons: Housing is very expensive; costs of living are high; the District charges its own income tax; and some areas have very high crime rates.

42. Alabama

Alabama is an affordable retirement destination with a warm climate and some attractive towns along the Gulf Coast. Retirees may also want to consider Birmingham, which offers a vibrant cultural scene and proximity to hiking and beaches.

Pros: Housing is very affordable; beautiful beaches along the Gulf Coast Strip, including Gulf Shores and Orange Beach; crime rate and tax burden slightly below the national average; warmer weather and mild winters; and many small cities like Fairhope, where there are artsy communities and a large retiree presence.
Cons: Alabama ranks very low in many health metrics, and healthcare options are limited in rural areas; amenities are not as numerous as in other states; coastal areas face a hurricane risk; and summers can be hot and humid.

43. Nevada

Nevada has no state income tax and mild winters. Washoe County is worth considering for those who enjoy outdoor recreation and affordable living.

Pros: Abundant sunshine; favorable tax rules, including no state income tax on Social Security; entertainment options in Las Vegas and Reno; travel is easy via McCarran/Harry Reid International Airport and Reno–Tahoe International Airport; and many 55+ communities, including Sun City developments in Summerlin and Anthem.
Cons: Healthcare outcomes for seniors across the state are below average; crime rates are above average; extreme heat with triple-digit temperatures in the summer; ongoing fears about droughts; crowds from tourists in Reno and Vegas.

44. Vermont

Vermont boasts beautiful scenery, lovely weather in the summer and fall, low crime rates, numerous outdoor recreational opportunities, and strong healthcare outcomes for seniors, particularly around Burlington, where retirees may find a great place to settle.

Pros: Beautiful lakes; small towns with tons of charm; extremely low crime rates; skiing and hiking opportunities on the Long Trail; and walkable areas in some metros like Burlington.
Cons: The cost of living is higher in Vermont than in any other state, and property taxes are high. Most retirement income is also taxed; fewer amenities than larger states; limited access to healthcare in rural areas; big crowds in ski towns; and long, snowy winters with months of cold weather.

45. Louisiana

Louisiana is home to cultural meccas like Baton Rouge and New Orleans, has an amazing food scene, and offers waterfront living on the Mississippi River. Lafayette offers affordable 55+ communities, good access to healthcare, and cultural enrichment for retirees.

Pros: Housing costs are low in most areas; fantastic festivals and strong culture, including Mardi Gras and local jazz clubs in New Orleans; mild winters.
Cons: Louisiana’s health outcomes for seniors are among the weakest in the country; the summers are hot and humid; there are significant flooding and hurricane risks; aging infrastructure creates public access issues and limits community amenities; and bayou and marsh environments lead to a high mosquito population.

46. Mississippi

Mississippi is extremely affordable, including in metro areas. Winters are mild, and the Gulf Coast offers beaches, casinos, and numerous new developments. Residents can consider Biloxi if they want to take advantage of these bustling areas.

Pros: Low cost of living, affordable housing, rural areas with small towns, and recreational opportunities along the Gulf Coast.
Cons: Very poor senior healthcare metrics; limited access to amenities relative to the state’s population. Summers are humid.

47. Delaware

Delaware has some favorable tax rules for seniors, offers famous beach communities like Lewes and Rehoboth Beach, and provides easy access to nearby cities, including Philadelphia and Baltimore. Residents may enjoy the suburbs of Wilmington and Sussex County, where there are growing senior communities.

Pros: Gorgeous beaches; affordable housing and cost of living; and great health outcomes for seniors.
Cons: Limited cultural and entertainment amenities; tourists crowd beach towns in the summers; the tax burden is very high; crime rates are above average; and the state is very car dependent.

48. Arkansas

Arkansas offers beautiful scenery, outdoor recreational opportunities, growing metro areas, and warm winters. Little Rock will appeal to retirees who like Southern cCharm combined with a rich cultural scene and mild climate.

Pros: Outdoor recreational opportunities, beautiful scenery at the Ozark Mountains, Beaver Lake, and the Hot Springs area; small towns; very affordable cost of living and housing; and tax benefits for retirees, with no tax on Social Security and exclusions on some retirement income.
Cons: Arkansas ranks very low in senior healthcare metrics, and there is very limited access to care in rural areas; crime rates are relatively high statewide; low number of restaurants and other amenities per capita; tornadoes and flooding are serious risks; and summers are hot and humid.

49. West Virginia

West Virginia boasts amazing mountain views, a slow-paced lifestyle, and extremely affordable housing. Charleston, Huntington, and Parkersburg are low-cost areas where retirees can afford to live comfortably on limited incomes.

Pros: The New River Gorge, Monongahela National Forest, and countless hollows and ridges provide gorgeous scenery and tons of outdoor recreational activities; house prices are the lowest in the country; many communities provide a slow pace of living with a small-town feel; property taxes are low compared with those of many states; crime rates are low.
Cons: Senior healthcare outcomes are poor and there is limited rural access to healthcare; aging infrastructure limits public service amenities, and cultural, entertainment, and restaurant amenities are very limited.

50. New Mexico

New Mexico destinations like Santa Fe, Taos, and Albuquerque are rich in culture, history, and scenic views. Unfortunately, high crime rates and high prices in in-demand areas mean retirees have to be careful where they settle here.

Pros: Vibrant culture and strong art scene in Santa Fe, the International Balloon Festival draws crowds; housing is reasonable outside of in-demand areas; and some urban metros have walkable downtown cores with rich histories, including Old Town Albuquerque and Santa Fe Plaza.
Cons: High crime rates in many areas; limited access to quality senior healthcare outside of urban centers; limited cultural and entertainment amenities.

51. Hawaii

Hawaii offers an amazing tropical retirement lifestyle – one that is, however, only accessible to those who can afford it. It is very expensive, and retirees can feel very isolated on the island since reaching the mainland is a challenge.

Pros: Beautiful beaches; tropical climate that's nearly perfect year-round; ample outdoor recreational activities, including Diamond Head, Makapuʻu Point, Na Pali Coast trails; great senior healthcare; very low crime across the state.
Cons: The most expensive housing market across all 50 states and among the highest cost of living; very high tax burden; entertainment and dining options are limited relative to Hawaii’s population, compared to other states; the distance from the mainland can be a dealbreaker for some.

Discover more of the best places to retire

The 50 Best Places to Retire in the U.S. in 2026, Ranked by What Retirees Value Most

The Motley Fool analyzed every U.S. county to find the best retirement locations

The Best Places to Retire in the Northeast in 2026, Ranked by What Retirees Value Most

The Motley Fool analyzed every U.S. county to find the best retirement locations in the Northeast

The Best Places to Retire in the South in 2026, Ranked by What Retirees Value Most

The Motley Fool analyzed every U.S. county to find the best retirement locations in the South

The Best Places to Retire in the West in 2026, Ranked by What Retirees Value Most

The Motley Fool analyzed every U.S. county to find the best retirement locations in the West

The Best Places to Retire in the Midwest in 2026, Ranked by What Retirees Value Most

The Motley Fool analyzed every U.S. county to find the best retirement locations in the Midwest

Methodology

How The Motley Fool Identified the Best States to Retire in America

Choosing where to retire is a deeply personal decision, but retirees consistently prioritize a few key needs: affordability, safety, access to healthcare, and quality of life.

The Motley Fool’s Best Places to Retire Index combines secondary data about each location with primary data on what retired Americans say matters most when picking where to live.

This hybrid approach creates a ranking that is both data driven and human centered – a methodology built by retirees for retirees.

Survey-Informed Weights

The Motley Fool surveyed 2,000 retired Americans aged 55 and above in December 2025 via Pollfish and employed a constant-sum approach (100 points), allowing respondents to clearly allocate points across the factors that mattered most to them when choosing a place to retire. Their average point allocations formed the weights given to scores for each retirement-location factor.

Ranking	Retirement Factor	Weight (%)
1	Healthcare access & quality	14.47
2	Housing affordability	13.10
3	Crime & safety	12.13
4	Weather & climate comfort	11.56
5	Taxes (state + local burden)	11.45
6	Nonhousing affordability (everyday expenses)	5.93

Ranking	Quality of Life	Weight (%)
	Total	31.35
1	Restaurant options	6.48
2	Walkability	5.49
3	Access to outdoor recreation	5.45
4	Access to retirement communities	4.14
5	Arts & entertainment options	3.77
6	Proximity to an airport	3.11
7	Public transit access	2.91

Final scores reflect what retirees value most, not what we assume they value.

Survey Method Details

Survey was conducted online on Dec. 2, 2025, via Pollfish.
Survey respondents were U.S. retirees 55 years and older.
Survey results were post-stratified to reflect nationally representative data based on age and gender.
Pollfish employs organic random device engagement sampling, a statistical method that recruits respondents through a randomized invitation process across various digital platforms. This technique helps to minimize selection bias and ensure a diverse participant pool.

How Each Factor Was Scored

Scores were computed at both the county and state levels. All data were normalized on a min–max scale before applying survey weights.

Each factor below includes the justification readers care about most: why it matters to retirees.

Healthcare Access & Quality

Why it matters: Aging well requires reliable care, specialists, and strong healthcare outcomes. Healthcare outcomes measure whether people get healthier, live longer, and maintain a good quality of life.
Sources:

United Health Foundation’s 2025 Senior Report (state-level system performance)

Housing Affordability

Why it matters: Home costs are the No. 1 expense in retirement and drive relocation decisions.
Source: Zillow Home Value Index (October 2025)

Nonhousing Affordability

Why it matters: Day-to-day expenses – food, transportation, utilities – determine how far savings stretch.
Source: Economic Policy Institute Family Budget Calculator

Taxes

Why it matters: State and local tax burdens directly affect retirement income sustainability.
Source: Tax Foundation (effective tax burden)

Weather & Climate Comfort

Why it matters: Retirees seek comfortable climates that support year-round activity.
Source: NOAA NCEI temperature & precipitation averages (2020–2025)

Crime & Safety

Why it matters: Personal safety ranks as a top emotional and financial priority.
Source: FBI Crime Data Explorer – violent, property, and social offense rates

Quality-of-Life Components

Retirement isn’t only about saving money, it’s about living well.

We measured features that enable connection, mobility, recreation, and fulfilling lifestyles:

Component	Why It Matters	Source
Restaurant options	Local culture, social connection	Census County Business Patterns NAICS 722
Arts & entertainment	Enrichment & active lifestyles	Census County Business Patterns NAICS 71
Walkability	Independent mobility, aging-in-place	EPA National Walkability Index
Public transit access	Car-free access to essentials	EPA Transit Accessibility Tool
Access to outdoor recreation	Active aging & well-being	CDC NEPHTN
Access to retirement communities	Supportive aging options	Census County Business Patterns NAICS 6233
Proximity to airport	Travel access to family/friends	USDOT County Transportation Profiles

About the Author

Christy Bieber is a contributing Motley Fool retirement and Social Security expert covering retirement planning, 401(k)s, IRAs, and other personal finance topics. Christy has written about finance since 2008 and previously taught business courses at Bryant & Stratton College. She holds a law degree from UCLA and a bachelor’s degree in English, media, and communication with a certificate in business management from the University of Rochester. In law school, she earned three CALI Awards for Excellence for the highest scores in civil procedure and contract law exams.

TMFChristyB

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The Best States to Retire to in 2026, Ranked by What Retirees Value Most

The Motley Fool analyzed every state using primary and secondary data, including survey insights from 2,000 retired Americans, to identify the best retirement locations.

Key Points