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 using primary and secondary data, including survey insights from 2,000 retired Americans, to identify the best retirement locations.

By Christy Bieber – Updated Jan 21, 2026 at 11:26 AM EST | Fact-checked by Jack Caporal

Key Points

A survey by The Motley Fool ranks U.S. counties for retirement based on retirees' priorities such as quality of life and healthcare.
Seven key factors were weighted by preference; quality of life (31%) and healthcare (15%) are top considerations.
The best retirement locales reflect diverse needs like cost of living and access to amenities.

What's the best place to retire? 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.

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The Motley Fool's Best Places to Retire — The Motley Fool

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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. county, reflecting real retiree needs and preferences rather than assumptions about where people “should” retire. Counties were excluded if their population was below 40,000, their quality-of-life score was below 35, or their housing affordability score was below 35. 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 Places to Retire list.

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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

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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:

University of Wisconsin County Health Rankings (local outcomes & access)
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)

Counties with a housing affordability score below 35 were excluded.

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.
Sources:

Tax Foundation (effective tax burden)
EPI Family Budget Calculator (county-level effective rates)

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:

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Data sets were spatially aligned to counties and aggregated to states when necessary for consistency and national comparison.

Counties with a quality-of-life score below 35 were excluded.

Counties with a population of less than 40,000 were excluded.

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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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1. Fort Lauderdale, Broward County, Florida

Sometimes dubbed the Venice of America, Fort Lauderdale averages 246 days of sunshine and offers miles of waterfront, including Atlantic beaches and boating canals.

Pros: Easy access to beaches, including Fort Lauderdale Beach and Las Olas Beach; year-round sunshine; outdoor activities centered around Hugh Taylor Birch State Park; and a strong cultural, shopping, and dining scene, including NSU Art Museum and the Broward Center for the Performing Arts.
Cons: Housing and rent costs above the national average; below-average healthcare outcomes; and crime rates that are higher than in many other communities in South Florida.

2. St. Augustine, St. Johns County, Florida

St. Augustine offers walkability, Atlantic beaches, a thriving downtown, and a strong history as the oldest European-established settlement in the continental United States.

Pros: A historic downtown offering easy access to museums, shops, and restaurants along St. George Street; outdoor activities, including birdwatching, fishing, and beach-going at Anastasia State Park and St. Augustine Beach; and a humid subtropical climate with plenty of sunshine.
Cons: A hurricane-prone region means insurance is expensive and flooding risks are high, while heavy tourism means historic areas are crowded for much of the year.

3. Quincy, Gadsden County, Florida

Quincy is a small city near Tallahassee with the feel of a classic old Florida town, an expansive historic district, and a diverse population that enjoys modest living expenses.

Pros: Traditional small-town feel; a growing, diverse population; below-average cost of living; and a historic downtown including cultural attractions like the Gadsden Arts Center.
Cons: Healthcare, retail, and restaurant options are more limited than in other cities, so driving to Tallahassee may be necessary; summer heat and humidity can be uncomfortable.

4. Cleveland, Cuyahoga County, Ohio

Cleveland's location on the southern shore of Lake Erie offers lakefront neighborhoods with a relatively low cost of living, while the Cleveland Clinic and UH Cleveland Medical Center ensure there's no shortage of top-notch medical care.

Pros: Below-average cost of living; affordable housing; world-class healthcare; major cultural attractions, including the Cleveland Museum of Art and the Rock & Roll Hall of Fame; and outdoor lakefront recreational opportunities at Edgewater Park.
Cons: Freezing and snowy winters; higher-than-average crime rates in some parts of the city; and more urban decay resulting from industrial decline than in many Sun Belt retirement destinations.

5. Little Rock, Pulaski County, Arkansas

More than just Arkansas's capital, Little Rock offers an active downtown, an attractive riverfront, and an affordable cost of living for a mid-sized city.

Pros: Plenty of restaurants and museums in the River Market District; below-average cost of living; quality healthcare options, including UAMS Medical Center; and opportunities for outdoor activity at Riverfront Park and along the Arkansas River.
Cons: Sweltering summers with high humidity and many days above 90 degrees; above-average crime in some parts of the city; and low median incomes, which affect the tax base and public service funding.

6. Philadelphia, Philadelphia County, Pennsylvania

Philadelphia offers big-city amenities, is home to numerous historical sites, and boasts a regional rail network that makes car-free living possible.

Pros: Revolution-era history; home to the Liberty Bell and Independence Hall; a strong public transit system; top-notch healthcare at Penn Medicine; professional sports teams; and plenty of culture, including fine-dining establishments and the Philadelphia Museum of Art.
Cons: Expensive property and sales tax; cold winters; and high crime in some parts of the city.

7. Saint Paul, Ramsey County, Minnesota

Minnesota's capital city of Saint Paul offers a robust park system, access to the cultural scene in the Twin Cities, and plenty of historic neighborhoods with tree-lined streets and affordable homes.

Pros: Affordable home prices; below-average cost of living; large park system, including the Como Park complex; recreational activities like the Como Park Zoo & Conservatory, and access to the Twin Cities cultural scene.
Cons: Long, cold, and snowy winters; higher crime rates in some parts of the city; higher taxes than most Sun Belt states, including taxes on Social Security for higher earners; and aging public infrastructure.

8. Milwaukee, Milwaukee County, Wisconsin

Milwaukee's location on the western shore of Lake Michigan means retirees can enjoy waterfront property and plenty of outdoor activities, along with brewery tours and visits to cultural icons like the Milwaukee Art Museum.

Pros: Recreational activities and community events, including Summerfest; access to decent healthcare options, including the highly ranked Aurora St. Luke’s Medical Center; and a below-average cost of living, especially for a major metro area.
Cons: Cold and snowy winters, including lake-effect snow; higher property tax rates than other popular retirement areas; high crime rates and urban blight in some areas, characteristic of older industrial cities.

9. Miami, Miami-Dade County, Florida

Miami is best known for its famous shoreline and Latin-influenced culture, but it also offers a tropical climate, proximity to the Everglades, and plenty of opportunities for shopping and dining.

Pros: Warm winters; world-famous neighborhoods and beaches; shopping and dining options along Ocean Drive and Lincoln Road; major sports teams, and easy access to renowned museums, including the Pérez Art Museum Miami (PAMM) and the Phillip and Patricia Frost Museum of Science.
Cons: Expensive housing market with high price-to-rent ratios; significant risk of extreme weather events and damage due to rising sea levels; large tourist presence can cause crowds, especially during certain parts of the year.

10. Armstrong County, Pennsylvania

Armstrong County offers the best of rural living, with low living costs, outdoor activities along the Allegheny and Kiskiminetas Rivers, and very affordable prices on housing and everyday essentials.

Pros: Low housing costs and an extremely low cost of living, outdoor activities, including the Armstrong Trails, a 50-mile trail running along the Allegheny and Kiskiminetas Rivers, and very low crime.
Cons: Few options for public transportation; may need to visit a larger city for medical specialists or to access more shopping and dining options than the rural location provides; cold and snowy winters can lead to icy driving conditions.

11. Dallas, Dallas County, Texas

Dallas boasts diverse neighborhoods, a strong economy, and big-city amenities while still providing a moderate cost of living.

Pros: Vibrant art and culture scene, including the Dallas Museum of Art, the AT&T Performing Arts Center, and the Morton H. Meyerson Symphony Center; Katy Trail and White Rock Lake Park offer outdoor recreation; warm winters; and average housing costs but a low cost of living, and decent tax burden.
Cons: Heavy traffic along major corridors; limited public transportation outside of core areas; and extreme heat in the summers, with temperatures sometimes topping 100 degrees.

12. Austin, Travis County, Texas

Austin offers all the amenities you'd expect from the capital of Texas, including a strong music culture and plenty of outdoor recreational activities.

Pros: Vibrant food and cultural scene, including many live music venues; no state income tax; the University of Texas offers community engagement and educational opportunities; access to quality healthcare options but outcomes are mixed; and extensive opportunities for outdoor recreation at Barton Springs and Lady Bird Lake Trail.
Cons: Rent, housing, and other costs of living are rapidly rising; high levels of traffic congestion; above-average property taxes; a large tourist presence that creates crowds; and very hot summers with days above 100 degrees, although winters are mild.

13. Pittsburgh, Allegheny County, Pennsylvania

Pittsburgh is a hilly city with historic neighborhoods, rich cultural attractions, and an extensive system of riverfront parks and trails.

Pros: Below-average cost of living for a metro area; low housing costs; extensive park and riverfront trail system, including the Three Rivers Heritage Trail and Point State Park; Carnegie Museum, Heinz Hall, and other cultural activities; and a good public transportation system that includes buses and light rail.
Cons: Hilly streets and an abundance of public staircases create mobility challenges; periodic air quality issues; above-average property taxes; economic inequality means some areas lack services; and cold winters with snowy, icy weather.

14. Killeen, Bell County, Texas

Killeen is best known for its proximity to Fort Hood and offers an easy drive to Austin and Waco while allowing retirees to live life at a slower pace.

Pros: Lower housing costs and lower overall cost of living than other Texas metros; strong community built around Fort Hood; outdoor recreational activities nearby at Belton Lake and Stillhouse Hollow Lake; relatively mild winters; and proximity to Austin and Waco with easy freeway access.
Cons: Fewer cultural opportunities and more limited entertainment options compared with larger cities; limited public transportation options; and local healthcare is limited.

15. Birmingham, Jefferson County, Alabama

Birmingham may be a historic city, but its revitalized downtown districts offer plenty of cultural attractions along with affordable housing.

Pros: Below-average cost of living, including affordable housing; downtown redevelopment means many restaurants and stores are available around Uptown and Railroad Park; outdoor recreational opportunities at Ruffner Mountain and Red Mountain Park; and milder winters than many northern states.
Cons: Summers are hot and humid with frequent storms; limited access to public transportation and many areas aren't very walkable; infrastructure is aging in some areas, and inequality means some parts of the city lack services.

16. Baltimore, Baltimore City, Maryland

Baltimore's museums and historic districts make it a favorite for those who prioritize cultural experiences, while its Inner Harbor offers scenic views and walkable waterfront areas.

Pros: Historic waterfront and harbor areas provide recreational opportunities at Inner Harbor and Fell's Point; professional sports teams; architectural character with historic row houses; cultural activities abound, including the Baltimore Museum of Art; world-class healthcare at Johns Hopkins Hospital and University of Maryland Medical Center; and excellent public transportation, including connections to Washington, D.C., and Philadelphia.
Cons: Higher-than-average crime rates in certain parts of the city; rush hour traffic congestion is high; above-average property tax rates; aging infrastructure in some parts of the city; and cold winters with snowy and icy roads.

17. San Marcos, Caldwell County, Texas

Located along the San Marcos River, San Marcos offers a college-town feel as well as proximity to both Austin and San Antonio.

Pros: Presence of Texas State University creates vibrant college-town feel; cost of living and housing expenses below those of nearby metros; mild winters but hot summers; easy access to both Austin and San Antonio; and plenty of outdoor recreational opportunities along the San Marcos River.
Cons: Limited healthcare options; influx of students during the school year can cause congestion in certain areas; flooding risks along low-lying areas; and limited dining and entertainment options.

18. St. Petersburg, Pinellas County, Florida

St. Petersburg is home to some of the most popular Gulf beaches in Florida, and it also offers a walkable downtown and thriving arts scene.

Pros: Abundant sunshine and warm winters; world-class beaches including Fort De Soto and St. Pete Beach; walkable downtown with dining and shopping options; vibrant arts scene including the Salvador Dali Museum; and an active retirement community with many events for seniors.
Cons: High housing costs and very expensive homeowners' insurance; limited public transit; flooding and hurricane risks; and crowds during many parts of the year due to tourist influx.

19. Fort Worth, Tarrant County, Texas

Fort Worth's cost of living is lower than that of many metro areas, but it still offers big-city amenities, including the Kimbell Art Museum and the extensive Trinity Trails network for outdoor lovers.

Pros: Strong Southwestern culture, including the Fort Worth stockyards; cost of living below that of many other large metros; many cultural opportunities like the Modern Art Museum and the Kimbell Art museum; DFW International Airport is very close by; and plenty of opportunities for outdoor activities, including through river walks on Trinity Trails.
Cons: Above-average property taxes; limited public transportation and lots of traffic; air quality issues; and very hot summers with long heat waves and both tornado and thunderstorm risks.

20. Denver, Denver County, Colorado

Denver's access to the Rocky Mountains is its claim to fame, while the city's surprisingly mild climate makes the area ideal for outdoor lovers who want to explore its extensive parks and trail networks year-round.

Pros: Proximity to the Rocky Mountains offers summer and winter recreational opportunities, including world-class skiing and hiking; the Denver Art Museum is the center of a vibrant arts and culture world; the climate is mild and sunny; decent public transportation options, including commuter and light rail lines; and access to top healthcare options like UCHealth University of Colorado Hospital, although overall healthcare outcomes are mixed.
Cons: Housing costs have soared in recent years; snow and ice can make winter driving difficult, especially if traveling into the mountains; air quality can suffer due to seasonal wildfires; traffic congestion is high, especially during some parts of the year; and the high altitude can worsen cardiac or respiratory conditions.

21. Tampa, Hillsborough County, Florida

Tampa is known for warm, sunny weather, the Tampa Riverwalk, its pro sports teams, and its easy access to Gulf beaches.

Pros: Waterfront recreational opportunities, including Riverwalk; access to nearby Gulf beaches; many dining and entertainment options, especially in Ybor City; a low cost of living; and no state income tax.
Cons: Expensive housing and very high homeowners' insurance costs; hurricane risk and flooding risks in many areas; crowds during tourist season, causing lots of traffic congestion; and hot, humid summers.

22. Palm Bay, Brevard County, Florida

Palm Bay provides a suburban lifestyle with less hustle and bustle than some Florida cities, but there's still plenty to do, including beaches, nature preserves, and outdoor activities at the nearby Indian River Lagoon.

Pros: Lower housing costs than in many other Florida metro areas plus a low overall cost of living; outdoor recreational activities including Turkey Creek Sanctuary, Indian River Lagoon, and nearby Atlantic beaches; suburban lifestyle; and mild winters.
Cons: Not a walkable area and few public transportation options make retirees car dependent; limited cultural, dining, and entertainment venues within city limits; and intense heat and humidity during the summer months, although winters are very mild.

23. Lapeer, Lapeer County, Michigan

Lapeer is perfect for small-town lovers with beautiful architecture, plenty of outdoor amenities, including fishing lakes, Torzewski County Park, and a historic downtown that's home to the Lapeer Heritage Museum.

Pros: Cost of living below the national average; close to Flint and Detroit for many healthcare and recreational options; small-town living with community events like farmers’ markets; and low traffic congestion.
Cons: Limited access to healthcare, dining, and retail within city limits; many homes are older; car-dependent areas without much public transportation; cold and snowy winters that are characteristic of central Michigan.

24. Lynchburg, Lynchburg City, Virginia

Lynchburg's location at the foothills of the Blue Ridge Mountains makes the scenery unbelievable, especially when combined with its riverfront and historic downtown districts that ooze small-town charm.

Pros: Affordable housing and cost of living below national averages; attractive area with hill-country landscapes and historic architecture; revitalized downtown with riverfront districts and dining opportunities; Liberty University and University of Lynchburg create a college-town feel.
Cons: Limited options for public transportation; lacks the cultural and event venues characteristic of larger cities; specialized healthcare needs may require traveling to nearby Roanoke or Charlottesville; and walkability is limited by hilly terrain.

25. Lorain, Lorain County, Ohio

Located to the west of Cleveland, Lorain is a quiet lakefront community that provides beach and marina access as well as affordable housing options.

Pros: Close to Cleveland for healthcare and other activities; affordable housing; below-average cost of living; access to Lake Erie's beaches for boating, fishing, and recreation; community parks; and fun local attractions, including the Lorain Lighthouse.
Cons: Few options for healthcare within city limits; older houses could require more maintenance and repairs; economic challenges may lead to limited services in some areas; limited dining and cultural attractions in town; and winters are cold and blustery.

26. Chicago, Cook County, Illinois

Chicago is walkable, offers an extraordinary array of cultural attractions, including the Art Institute of Chicago and the Field Museum, and provides access to Lake Michigan for waterfront activities.

Pros: Chicago Art Institute, Field Museum, and other world-famous cultural institutions; Northwestern Medicine and UChicago offer access to top-ranked healthcare, although overall outcomes in the city are subpar; many neighborhoods are walkable; excellent public transportation; and quick access to both O'Hare and Midway International Airports makes travel easy.
Cons: High taxes, including property tax and local tax; some areas of the city have high crime rates; dense areas see lots of traffic congestion with few parking spaces; and cold and snowy winters can be unpleasant and make getting around difficult.

27. Port Huron, St. Clair County, Michigan

Port Huron's location at the southern end of Lake Huron along the St. Clair River ensures the water views are scenic, while historic local landmarks like the Carnegie Museum provide plenty of enrichment opportunities for retirees.

Pros: Boating and waterfront living options along both the St. Clair River and Lake Huron; Fort Gratiot Lighthouse and other historic attractions; below-average housing costs and a low cost of living; easy access to Ontario, Canada, via the Blue Water Bridge; and a small-town community feel with lots of local events to enjoy.
Cons: Limited local access to top-notch healthcare; limited public transportation options; not a lot of cultural attractions; high tourist activity can cause crowds in waterfront districts during peak season; and cold and snowy winters with lake-effect snow.

28. Fort Wayne, Allen County, Indiana

Fort Wayne's downtown riverfront is going through an expansion phase, offering more opportunities for cultural and outdoor amenities, while the city still boasts a very affordable cost of living.

Pros: Below-average cost of living; affordable housing; suburban neighborhoods; access to events and dining in a revitalized downtown with new riverfront development; and options for high-quality healthcare at regional facilities, including Lutheran Hospital as well as Parkview.
Cons: Limited to no public transportation; not as many cultural epicenters as in some larger metros; industrial areas in parts of the city can be unattractive; cold and icy winters.

29. Portsmouth, Portsmouth City, Virginia

Portsmouth is rich in naval history, while its historic downtown features preserved 18th- and 19th-century architecture that retirees can enjoy as they stroll the area's walkable streets.

Pros: Close to Virginia Beach and Norfolk; local museums including the Naval Shipyard Museum; walkable downtown with riverfront views, waterfront Historic Olde Towne with preserved architecture; reasonably good healthcare options in the region, including Sentara Hospital; and winters can be relatively mild.
Cons: Summers are hot and humid; flooding and storm risks; high property taxes and insurance; limited public transportation options; not as many shopping and dining opportunities as you find in larger metros.

30. Williamsport, Lycoming County, Pennsylvania

Williamsport is known as the home of Little League Baseball, but it also offers delightful views of the Susquehanna River as well as historic mansions and buildings preserved from the time of the lumber-boom era.

Pros: Below-average housing costs and a cheap cost of living; riverfront parks and trails; strong sports community; beautiful architecture, including Millionaire's Row and other historic neighborhoods; outdoor activities in the nearby PA Wilds region; and accessible healthcare options, including UPMC Williamsport, although overall outcomes are mixed.
Cons: Limited cultural activities; many older homes mean a greater chance of repairs and renovations; a small economic base may mean more limited access to public services; no public transportation and not walkable; and winters are likely to be cold and snowy.

31. Skowhegan, Somerset County, Maine

Skowhegan represents the best of rural New England, with a scenic location on the Kennebec River, as well as historic mill-town architecture and beloved community events like the Skowhegan State Fair.

Pros: Classic New England charm; below-average cost of living; affordable housing cost; home of the Skowhegan State Fair; up-and-coming downtown with cultural events and good dining options; and plenty of access to outdoor recreation, including activities along the Kennebec River.
Cons: Limited access to top-notch healthcare; no public transportation; not convenient to airports; small economic base limits public services; and snow can be heavy during the long, cold winters.

32. Minneapolis, Hennepin County, Minnesota

Minneapolis has an enviable location on the Chain of Lakes and the Mississippi River, and it also offers a vibrant cultural scene that features the Walker Art Center, the Minneapolis Institute of Art, and the Guthrie Theater.

Pros: The University of Minnesota Twin Cities offers lifelong cultural opportunities; an extensive network of parks and trails provides outdoor fun; Guthrie Theater and Walker Art Center offer cultural enrichment; and good public transportation, including buses and light rail, makes it easy to get around, as does the pedestrian-friendly urban layout.
Cons: High state and local taxes, including tax on Social Security for high earners; dense urban areas make it difficult to find parking and result in high traffic; higher-than-average housing costs in desirable areas; and very cold winters with snow and lots of wind.

33. Nashville, Davidson County, Tennessee

Nashville is the global hub for country music, earning its name as Music City because it is home to the Grand Ole Opry, Honky Tonks on Lower Broadway, and the Country Music Hall of Fame.

Pros: No state income tax; Broadway, Ryman Auditorium, and many other local places create a vibrant music and entertainment scene; the cost of living is low; and winters are fairly mild compared to states in the North.
Cons: Housing costs are being driven up by the growing population; car-dependent areas with limited public transportation; tourism can make certain areas very crowded; and hot and humid summers make being outdoors during the warm months difficult.

34. Grand Forks, Grand Forks County, North Dakota

Grand Forks is a prairie community but one with a strong university presence anchored by the University of North Dakota. Low housing costs and an extremely low cost of living make it an affordable place to retire, while outdoor amenities, including the Greenway along the Red River, provide plenty of recreational opportunities.

Pros: Below-average housing costs; lower-than-average cost of living; The Greenway provides trails, parks, and opportunities for outdoor recreation; traffic congestion is generally low; low crime; and the University of North Dakota creates strong community ties, offers cultural and sports events, and provides opportunities for lifelong learning.
Cons: Flood-prone areas along the Red River; dining and retail stores are more limited than in other major metro areas; a smaller economic base can mean less money for social services; winters can be extremely cold with lots of snow.

35. Yulee, Nassau County, Florida

Yulee offers a quiet suburban lifestyle that comes with easy access to Amelia Island, where you'll find golf courses, coastal marshes, and gorgeous beaches.

Pros: Access to Amelia Island beaches, including Fernandina Beach; slow-paced suburban living; housing costs below nearby resort areas; quick access to Jacksonville; good options for healthcare, including Baptist Medical Center Nassau; and mild winters with a year-round warm climate.
Cons: Hot summers; hurricane and flood risks; few public transportation options; limited cultural and entertainment venues without venturing into nearby cities; above-average home insurance costs; and crowds during tourist season that can cause heavy traffic.

36. Albuquerque, Bernalillo County, New Mexico

Albuquerque is known for its Southwestern culture and desert landscapes, but despite plenty of amenities, the cost of living remains affordable relative to that of other metro areas of a similar size.

Pros: Outdoor recreational activities abound, including activities at the Sandia Mountains and the Bosque trail system; Old Town Albuquerque and many local museums provide opportunities to soak up culture; housing costs are below those of many western metro areas; the overall cost of living is extremely low; there is an active arts community; and home of an international balloon festival that is the world's largest ballooning event.
Cons: Limited public transportation outside core areas; slower economic growth than in some Sun Belt cities, which could lead to reduced services; drought-risk concerns due to water scarcity; above-average crime rates in certain locations; and hot weather, especially in summer afternoons with lots of sun exposure.

37. Virginia Beach, Virginia Beach City, Virginia

Beach lovers will find plenty to enjoy in Virginia Beach, including not just miles of sandy beaches at Virginia Beach, Chesapeake Bay, and First Landing State Park but also boardwalks and trails to hike as well.

Pros: Atlantic beachfronts and boardwalks provide a classic coastal experience; First Landing State Park and Back Bay National Wildlife Refuge offer outdoor recreation; an active dining district with many restaurant choices; and the cost of living is below average, though housing costs are not.
Cons: Summer is hot and humid; housing costs exceed those of many Virginia cities that are located inland; high property insurance costs, especially in flood zones; seasonal crowds as a result of tourist traffic; and limited public transportation options that leave most retirees car dependent.

38. Asheville, Buncombe County, North Carolina

Asheville's location in the Blue Ridge Mountains ensures retirees will enjoy stunning views and access to national forests, while those who prefer more cultural activities will find plenty to love in the River Arts District, including live music venues, galleries, and more.

Pros: Amazing hiking along the Blue Ridge Mountains, including waterfall hikes; River Arts District helps promote a vibrant art scene along with galleries downtown; Biltmore Estates and other preserved historic architecture; low crime; moderate four-seasons climate compared with other Northern locations.
Cons: People moving to the area have driven up housing costs dramatically; traffic can get congested in peak season, while tourists can cause crowding downtown; property taxes can be higher than in other parts of North Carolina, especially after the recent increase; and seasonal allergies can be bad for residents because of diverse pollen sources, mountain topography, and abundant plant life.

39. Oakland County, Michigan

Oakland County in Michigan offers all the classic suburban amenities, including a low cost of living and safe communities to set up house, while the area's inland lakes also offer fishing and boating for outdoor enthusiasts.

Pros: Many housing options, including peaceful suburban neighborhoods; a regional transit system and highways provide easy access to nearby Detroit and other surrounding cities; an expansive system of parks and trails, including Paint Creek Trail and Independence Oaks; and favorable tax benefits for retirees as Michigan doesn't tax Social Security or retirement pay and makes private pensions partly tax deductible.
Cons: Property taxes can be high; housing in the most desirable suburbs is above average in cost for Midwest areas; traffic congestion can be an issue on major roadways in the area; healthcare in the area is below average; and winters are cold and snowy.

40. Norfolk, Norfolk City, Virginia

Norfolk is a walkable city with vibrant waterfront areas, including Town Point Park. It has a strong maritime presence thanks to Naval Station Norfolk, robust sailing community, and a world-class historic museum in the WWII warship Nauticus.

Pros: Very low cost of living, especially for a coastal area; mild climate; Chrysler Museum of Art and Virginia Opera offer cultural enrichment opportunities alongside the museum battleship Nauticus; active harbor and historic waterfront; public transportation, including the Norfolk Tide light rail and the HRT bus network; walkable downtown area with shops in the Waterside and Ghent districts.
Cons: Low-lying areas face a risk of coastal flooding; property taxes can be high; and parking and traffic are an issue, especially in bridge-tunnel corridors and dense older neighborhoods.

41. Providence, Providence County, Rhode Island

Providence is home to prominent universities and a strong art scene. Retirees will love the walkable downtown, especially as it provides easy access to world-class restaurants.

Pros: World-class dining options; strong art scene; close to beaches, including the famous Narragansett Bay; Amtrak and MBTA commuter rail provide excellent public transportation options; Brown University and RISD create opportunities for lifelong learning and enhance the local culture; crime is low; the cost of living is well below the national average.
Cons: Housing costs are higher than average; state and local taxes are higher than in many other states; parking and traffic can be bad, especially in historic areas; winters can be cold.

42. Bensalem, Bucks County, Pennsylvania

This suburban community offers easy proximity to Philadelphia while providing gorgeous Delaware River views and a slower suburban lifestyle. As the home of Parx Casino, it also attracts many who love the thrill of the game.

Pros: Access to Philadelphia while providing a suburban lifestyle; Neshaminy State Park provides outdoor recreational activities; crime rates are lower than in other urban centers; and the cost of living is below average.
Cons: Housing is somewhat expensive; high property taxes; the area is not very walkable; winters are cold and snowy; and local culture is limited unless you drive to Philadelphia, but commuting can take a long time as traffic congestion is common.

43. Wood County, Ohio

Wood County straddles the line between suburban and rural living, with gorgeous farmland landscapes but also universities, shopping, and dining nearby.

Pros: Housing costs and costs of living are below the national average; Bowling Green State University offers classic college-town benefits, including lifelong learning opportunities; Wood County Park District provides outdoor recreational activities; Toledo is close by for top-notch healthcare and access to cultural amenities, although local options in Wood County are limited.
Cons: Local healthcare, dining, and retail options are limited unless you drive to Toledo; a small economic base centered around agriculture means limited funds for public services; few options for public transportation outside of town centers.

44. Sacramento, Sacramento County, California

As California's capital city, Sacramento offers easy access to all that Northern California has to offer. Foodies will love its farm-to-fork culture, while the American River Parkway provides endless recreational opportunities for those who enjoy the city's mild climate.

Pros: Proximity to other major California regions means day trips are possible to Napa, San Francisco, and Lake Tahoe; farm-to-fork dining in the Old Sacramento district; outdoor activities along the American River Parkway; a low cost of living, especially for California; and mild winters with very little precipitation.
Cons: Housing costs are higher than the national average; wildfire smoke can impact air quality; traffic can be bad; some areas have higher-than-normal crime rates; taxes are high; and temperatures often hit triple digits during hot, dry summers.

45. Allentown, Lehigh County, Pennsylvania

Located in the heart of the Lehigh Valley, Allentown has gone through a revitalization and now offers a vibrant downtown as well as access to cultural attractions like the Allentown Art Museum and the PPL Center.

Pros: ArtsWalk and PPL Center offer cultural enrichment and special events; cost of living is lower than larger nearby cities, including Philadelphia and New York; plentiful healthcare options, including Lehigh Valley Hospital–Cedar Crest and St. Luke’s, although the county’s overall healthcare outcomes are mixed; very low crime; and ample opportunities for nearby recreation in the nearby Lehigh Valley area, including Lehigh Parkway.
Cons: High property taxes; a large number of older homes may make it difficult to find one that doesn’t need maintenance; very limited public transportation and heavy traffic congestion during peak commuter hours; and cold winters with snow and ice.

46. Modesto, Stanislaus County, California

Modesto offers the chance to live the California lifestyle at an affordable price. You'll have easy access to Yosemite, enjoy a vibrant art scene, including the Gallo Center, and benefit from a far lower cost of living than the state average.

Pros: Agricultural-based community means lots of farmers' markets; easy access to Sacramento, the Bay Area, and the Yosemite region; Gallo Center for the Arts and a growing number of other art and entertainment venues provide cultural enrichment; plenty of regional healthcare options; and mild winters.
Cons: Air quality issues are common; some Modesto neighborhoods have above-average crime rates; there are very few options for public transportation; housing costs are above the national average; taxes are high; and summers are very hot and dry, with temperatures sometimes topping 100 degrees.

47. Washoe County, Nevada

Washoe County offers mountain views and access to Reno, Sparks, and Lake Tahoe while also providing low-tax living, as the state of Nevada has no income tax for retirees to pay.

Pros: No state income tax; downtown revitalization is slowly bringing the art scene alive and introducing new restaurants and retail establishments; close to Sierra Nevada and Lake Tahoe for quick access to outdoor recreation; regional airport provides travel options; mild winters relative to similar regions.
Cons: Housing costs have been rising; wildfire smoke can create issues with air quality; the economy is largely based on tourism and gambling; limited public transportation options; and the desert climate results in dry air and big temperature swings.

48. Aroostook County, Maine

Rural living is what you'll find in Aroostook, a small Maine county located along the border with Canada. The area features rich forest landscapes, the Aroostook National Wildlife Refuge, and Nordic ski trails for those who are up for outdoor adventure.

Pros: Below-average cost of living and housing costs; ample opportunities for recreational activities outdoors, including hiking and snow sports; scenic rural landscapes and small-town feel; and easy access to New Brunswick from many towns.
Cons: Limited local access to quality healthcare, shopping, or retail; far from major metro areas; essentially no public transportation, so retirees are very car dependent; remote; and winters are very long with harsh weather, including lots of snow.

49. Dover, Strafford County, New Hampshire

Dover is located in the seacoast region of New Hampshire with a prominent location along the Cocheco River. The downtown is walkable, and there's easy access to nearby coastal downs and beaches.

Pros: Close to beaches and coastal activities, including Rye Beach and Portsmouth; historic brick mill buildings in a vibrant downtown area; riverfront parks; walkable areas; low crime; UNH offers access to academic and leisure opportunities; and favorable tax rules, including no sales or income tax.
Cons: Increase in regional demand has driven up housing prices; property taxes are high; limited public transportation options and traffic congestion during peak commuting hours; and cold and snowy winters characteristic of New England.

50. Isle of Wight, Isle of Wight County, Virginia

Isle of Wight County offers a quiet, rural retirement setting in southeastern Virginia with historic charm and easy access to larger Hampton Roads cities.

Pros: Relatively affordable housing compared with much of coastal Virginia; low-density, small-town environment; historic attractions including Smithfield Historic District and Windsor Castle Park; mild winters and a longer growing season; convenient driving access to Newport News, Norfolk, and Virginia Beach for shopping, airports, and specialized healthcare.
Cons: Limited local healthcare options, with many residents relying on hospitals in Newport News or Norfolk; fewer cultural, dining, and entertainment amenities than nearby metro areas; car-dependent lifestyle with little public transportation.

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 using primary and secondary data, including survey insights from 2,000 retired Americans, to identify the best retirement locations.

Key Points

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

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

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

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

Survey Method Details

How Each Factor Was Scored

Healthcare Access & Quality

Housing Affordability

Nonhousing Affordability

Taxes

Weather & Climate Comfort

Crime & Safety

Quality-of-Life Components

About the Author

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

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

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

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