As retirees plan for their future, WalletHub has identified the best and worst cities for retirement in 2025. The analysis evaluated 182 cities across various metrics, including activities, affordability, healthcare, and quality of life. This comprehensive ranking reveals that cities in Florida are particularly appealing, while those in California face significant challenges due to high living costs and limited healthcare access.
According to WalletHub writer and analyst Chip Lupo, cities that excel in retirement rankings offer a balanced mix of affordability, quality healthcare, and vibrant lifestyles. “These locales all tend to offer a mix of mild weather, strong local economies, and plenty of ways for retirees to stay active and connected,” Lupo stated.
Florida dominated the list of top retirement destinations, accounting for nearly half of the best cities. In contrast, California cities occupied most of the bottom rankings due to their elevated expenses and weaker healthcare systems. For instance, cities like San Bernardino, Stockton, and Rancho Cucamonga rank among the least favorable for retirees, primarily because of high living costs and limited access to quality healthcare services.
While southern cities traditionally attract retirees seeking warmer climates and lower taxes, the Midwest has emerged as a favorable option as well. Minneapolis, which ranks third overall, is noted for its robust healthcare system and an active senior community, making it an attractive choice for older adults.
Best Cities for Retirees
The ten best cities for retirees, according to WalletHub, highlight a mix of affordability and quality healthcare:
1. **Orlando, FL**
Affordability Rank: 5
Healthcare Rank: 14
Median Home Price: $385,000
2. **Scottsdale, AZ**
Affordability Rank: 116
Healthcare Rank: 40
Median Home Price: $1,100,000
3. **Minneapolis, MN**
Affordability Rank: 96
Healthcare Rank: 13
Median Home Price: $329,000
4. **Miami, FL**
Affordability Rank: 76
Healthcare Rank: 26
Median Home Price: $625,000
5. **Tampa, FL**
Affordability Rank: 45
Healthcare Rank: 106
Median Home Price: $469,900
6. **Atlanta, GA**
Affordability Rank: 66
Healthcare Rank: 56
Median Home Price: $370,000
7. **Fort Lauderdale, FL**
Affordability Rank: 79
Healthcare Rank: 47
Median Home Price: $599,000
8. **Cincinnati, OH**
Affordability Rank: 104
Healthcare Rank: 50
Median Home Price: $295,000
9. **Madison, WI**
Affordability Rank: 107
Healthcare Rank: 8
Median Home Price: $420,000
10. **Casper, WY**
Affordability Rank: 1
Healthcare Rank: 74
Median Home Price: $345,000
Worst Cities for Retirees
On the other hand, the ten worst cities for retirement reflect significant challenges that can deter retirees:
1. **San Bernardino, CA**
Affordability Rank: 157
Healthcare Rank: 174
Median Home Price: $515,000
2. **Stockton, CA**
Affordability Rank: 133
Healthcare Rank: 157
Median Home Price: $454,900
3. **Rancho Cucamonga, CA**
Affordability Rank: 163
Healthcare Rank: 128
Median Home Price: $799,000
4. **Bakersfield, CA**
Affordability Rank: 113
Healthcare Rank: 169
Median Home Price: $420,000
5. **Newark, NJ**
Affordability Rank: 156
Healthcare Rank: 134
Median Home Price: $419,900
6. **Fresno, CA**
Affordability Rank: 125
Healthcare Rank: 144
Median Home Price: $410,000
7. **Fontana, CA**
Affordability Rank: 172
Healthcare Rank: 147
Median Home Price: $669,000
8. **Pearl City, HI**
Affordability Rank: 180
Healthcare Rank: 104
Median Home Price: $622,000
9. **Salem, OR**
Affordability Rank: 127
Healthcare Rank: 146
Median Home Price: $485,000
10. **Bridgeport, CT**
Affordability Rank: 175
Healthcare Rank: 11
Median Home Price: $360,000
The findings from WalletHub provide valuable insights for those considering retirement in the coming years. With a focus on affordability and healthcare, potential retirees can make informed decisions about where to settle down, ensuring a fulfilling and financially sustainable retirement.
