Why More Retirees Are Choosing These 5 U.S. States
Across America, a quiet migration is unfolding. Retirees are rethinking what “the good life” looks like—and it’s no longer confined to traditional hubs like Florida or Arizona. Factors such as cost of living, healthcare quality, community connection, and climate resilience are now reshaping the retirement map. As more Americans reach retirement age, five states have emerged as the new frontrunners
The Shifting Priorities of Modern Retirees
For decades, retirement planning centered on sunshine, beaches, and tax breaks. But today’s retirees are more diverse, tech-savvy, and value-driven. According to a 2024 survey by the Transamerica Center for Retirement Studies, over 60% of respondents said proximity to healthcare and community engagement mattered more than weather alone.
Other leading factors include:
• Cost of living and property taxes
• Access to recreational activities
• Cultural diversity and safety
• Quality healthcare systems
This holistic view of “retirement well-being” is steering Americans toward states that deliver balance—without breaking the bank.
1️⃣ North Carolina — The Balanced Choice
North Carolina’s rise in retirement rankings comes as no surprise. With a moderate climate, affordable housing, and world-class healthcare in cities like Raleigh and Charlotte, the state offers a little of everything.
The Blue Ridge Mountains provide stunning scenery, while coastal towns like Wilmington offer ocean access without Florida’s crowding.
Why retirees love it:
• Moderate climate
• Strong healthcare network
• Vibrant university towns with lifelong learning programs
2️⃣ Tennessee — The Tax Advantage State
Tennessee has quickly become a tax-friendly favorite. With no state income tax and relatively low property costs, it offers financial relief for retirees on fixed incomes. Cities like Knoxville and Chattanooga combine Southern charm with a lower cost of living, while Nashville continues to attract retirees seeking culture and music.
Why retirees love it:
• No state income tax
• Expanding healthcare access
• Strong sense of community and culture
3️⃣ Colorado — The Active Lifestyle Magnet
For retirees prioritizing wellness and activity, Colorado consistently ranks high. With over 300 days of sunshine, easy access to outdoor recreation, and highly rated healthcare, it appeals to those wanting vitality in later years.
Though housing can be pricier in Denver and Boulder, smaller communities such as Colorado Springs or Fort Collins balance affordability with lifestyle benefits.
Why retirees love it:
• Active outdoor culture
• Clean environment and low pollution levels
• High-quality healthcare systems
4️⃣ Texas — The Economic Powerhouse
Texas remains a top draw for retirees seeking both warmth and financial flexibility. The absence of state income tax and a diverse range of housing markets—from affordable small towns to luxury developments—make it a standout.
Places like Austin, San Antonio, and The Woodlands are blending affordability with innovation, cultural events, and expanding medical networks.
Why retirees love it:
• No state income tax
• Year-round mild weather (outside the far south)
• Growing healthcare infrastructure
5️⃣ Pennsylvania — The Underrated Northern Option
While many move south, a growing number of retirees are choosing Pennsylvania for its mix of affordability, accessibility, and four-season charm. Smaller towns near Philadelphia or Pittsburgh offer excellent healthcare access and vibrant community programs.
Its central location also allows retirees to remain close to family in both the Northeast and Midwest.
Why retirees love it:
• Affordable property taxes
• Rich cultural and historical offerings
• Convenient proximity to major cities
