As retirement planning takes center stage for millions of Americans in 2025, choosing the right place to settle down is more important than ever. If you’re thinking about retiring soon—or helping a loved one plan for it—experts say these eight states stand out for their quality of life, affordability, and access to senior care.
How These States Made the List
The ranking comes from a recent analysis by retirement specialist Clark Howard, who reviewed data from the U.S. Census Bureau, AARP, and health organizations. Criteria included:
- Cost of living
- Access to healthcare
- Climate and natural beauty
- Community engagement
- Crime rates
- Tax policies for retirees
Top 8 States Offering an Ideal Retirement Lifestyle
Here’s a look at the eight states that scored highest in 2025:
- Florida – No state income tax, endless sunshine, and top-tier senior services.
- Tennessee – Low property taxes and strong community healthcare networks.
- South Dakota – Ranked high for affordability and low crime.
- North Carolina – Affordable housing with easy access to coastal or mountain towns.
- Colorado – Clean air, active senior population, and scenic outdoors.
- Delaware – Tax-friendly and located near major metro areas.
- Arizona – Warm weather, dry climate, and strong healthcare systems.
- Utah – Excellent healthcare rankings and high life expectancy.
These states offer a mix of financial comfort and enriching lifestyles for retirees, according to the latest report from U.S. News & World Report.
What Retirement Specialists Recommend
Clark Howard, a nationally known retirement advisor, emphasizes the importance of matching location with your specific needs.
“Think beyond taxes. Consider healthcare quality, recreational opportunities, and how close you’ll be to friends and family,” Howard said in a recent podcast episode.
The CDC also recommends older adults prioritize states with access to preventive care and mental health services.
Final Thoughts: Think Long-Term When Choosing Your Retirement State
Whether you dream of mountain views, beachside breezes, or peaceful small-town charm, these eight states have been recognized as top-tier choices for a reason. Their balance of affordability, healthcare, and community can help make your golden years truly golden.
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This article was written by John Deluca. AI was used lightly for grammar and formatting, but the ideas, words, and edits are all mine.
