Best States to Retire

Where is the Best State To Retire?

The 'best' state to retire depends on your priorities. Florida offers warm weather and no state income tax. Arizona provides dry heat and affordable living. Tennessee has no income tax on wages and a low cost of living. Delaware is tax-friendly and has excellent healthcare. The right choice depends on your health needs, budget, family proximity, and lifestyle preferences.

Key Takeaways

Florida, Arizona, and Tennessee consistently rank among the top states for retirees
Tax-friendliness, healthcare quality, and cost of living are the top factors to consider
Medicare plan availability and Medigap options vary significantly by state

What Are the Best States To Retire Financially?

State	Income Tax on SS	Property Tax	Cost of Living
Florida	None	Low-Moderate	Moderate
Tennessee	None	Low	Low
Nevada	None	Low	Moderate
Wyoming	None	Low	Low
Delaware	None on SS	Very Low	Moderate
Georgia	Partial exemption	Low	Low

Best States for 55+ Communities

Florida leads the nation in 55+ communities, with The Villages (the largest 55+ community in the world), Sun City Center, and hundreds of other active adult communities. Arizona (Sun City, Scottsdale), South Carolina (Hilton Head, Myrtle Beach), and North Carolina (Asheville, Charlotte) also have thriving 55+ communities.

Best States To Retire for Weather

Florida - warm year-round, though humid summers and hurricane risk
Arizona - dry heat, mild winters, low humidity
California - mild coastal climate, though high cost of living
Hawaii - ideal year-round weather, very high cost of living
North Carolina - four seasons, mild winters in coastal areas

Best States To Retire for Healthcare

Healthcare quality and Medicare plan availability vary significantly by state. Minnesota, Massachusetts, and Hawaii consistently rank highest for healthcare quality. Florida and Arizona offer extensive Medicare Advantage plan options due to their large senior populations. Rural states often have fewer Medicare Advantage plan choices, making Original Medicare with a Medigap supplement a better option.

Does Moving to a New State Affect My Medicare Coverage?

Original Medicare works nationwide. If you have Medicare Advantage, you may need to switch plans if your new state is outside your plan's service area. Medigap plans are portable - your coverage follows you.

Which State Has the Most Medicare Advantage Plan Options?

Florida, California, and Texas typically have the most Medicare Advantage plan options due to their large senior populations and competitive insurance markets.

Are There States with No Income Tax on Social Security Benefits?

Yes. As of 2026, most states do not tax Social Security benefits. States that do tax SS include Colorado, Connecticut, Kansas, Minnesota, Missouri, Montana, Nebraska, New Mexico, Rhode Island, Utah, Vermont, and West Virginia (rules vary).

Frequently Asked Questions

What is the Most Affordable State to Retire In?

Mississippi, Arkansas, and Oklahoma consistently rank as the most affordable states for retirees based on cost of living, housing costs, and tax burden.

Should I Consider Medicare Plan Availability When Choosing a Retirement State?

Yes. If you prefer Medicare Advantage, check plan availability in your target state before moving. If you prefer Original Medicare with Medigap, availability is less of a concern since Medigap is available nationwide.

Best Companion Pets for Seniors

5 min read

Senior Dating and Relationships

5 min read

Top Free Computer Classes for Seniors

8 min read

Have Medicare questions?

Our licensed Medicare agents are available to help you find the right coverage.

Call (888) 335-8996