Best Retirement Cities in the US – an Expat’s Guide
Retirement starts an entirely new chapter that offers exciting possibilities for expats living in or planning a move to the US.
Imagine spending your golden years in a city where the weather suits your mood, the cost of living matches your savings, and the community welcomes you like family. However, with a country as diverse as the United States, finding that perfect place takes a plan.
For many expats, retirement is about starting fresh in a place that finally feels like home. The best retirement cities in the US offer much more than warm weather or affordable housing. They offer a chance to enjoy your golden years with the right balance of comfort, connection, and care.
It’s always smart to consider local healthcare systems and expat services wherever you go. Some top-rated options are listed here, especially if you're still exploring what country or city might fit your long-term needs.
Before looking at locations or crunching numbers, start with your vision. Everyone’s idea of retirement looks different, especially for expats adapting to life in the US.
Here are a few questions to ask yourself:
Do you prefer warm summers or a cooler climate?
Is being close to family or fellow expats important to you?
Are you seeking urban amenities like theatres, restaurants, and walkable neighborhoods?
How important is access to top-rated medical facilities?
Are you open to living in single-family homes or prefer apartments or townhouses?
Think about what kind of life you want to build and what will make you feel at ease. Your lifestyle preferences will help narrow down the best retirement destinations that truly fit your needs.
Retiring in the US has many rewards and financial surprises, especially for expats. While the country offers various retirement destinations, the cost of living can vary dramatically from one city or state to another.
When planning your retirement in the US, don’t just look at the home value or rental prices. Living costs include groceries, insurance, healthcare, transport, and entertainment, and they can vary greatly for expats depending on their chosen city or state.
According to the Census American Community Survey, average utility bills, transportation, and internet prices can differ significantly between states. So, comparing cities is all about assessing the full picture of your total annual cost.
Another big factor that often catches expats by surprise is taxes. Some states are more retirement-friendly than others regarding your savings and social security benefits.
For example:
States like Florida, Texas, and South Carolina have no state tax on income.
Others may tax your retirement income, including pensions or withdrawals from retirement accounts.
A few states even offer tax exemptions for certain types of income or seniors over a certain age.
If keeping more of your money matters to you, and it should, then choosing a state with low or no income tax can help stretch your savings and lower your monthly cost.
You might wonder, “Why should I care about the median income if I’m no longer working?” Great question.
A city's or household's median income gives insight into how affordable that area is for the average resident. If you live in a place with a high average income, the cost of living, from groceries to property taxes, will be higher, too.
Conversely, a lower median income may suggest the area is more budget-friendly, but it could also mean fewer services or weaker infrastructure. It’s about finding that balance.
When deciding where to spend your golden years, numbers don’t lie. Whether you're looking for mild winters, low taxes, or strong medical facilities, these top spots have proven popular among retirees, especially expats looking for a fresh start.
Located in the heart of the Sunshine State, The Villages is one of the most iconic retirement communities in the US. Known for its golf cart-friendly streets, endless social clubs, and warm weather, this town has one of the highest percentages of residents over age 65.
It's purpose-built for retirees, offering everything from parks and pools to shopping and theatres, all designed with convenience and lifestyle in mind.
But be mindful: with its rising home value and strong demand, you'll need to plan your savings carefully to make the monthly cost manageable.
Scottsdale offers warm summers, scenic desert landscapes, and world-class golf, all wrapped in a modern, upscale city atmosphere. It's one of Arizona’s premier retirement destinations, combining luxury with practicality.
Healthcare access is excellent, and the crime rate is notably low. While the cost of living is higher, many expats find the combination of amenities and lifestyle worth the investment.
Nestled in the Blue Ridge Mountains, Asheville has become a favorite for those seeking a mix of nature, culture, and urban amenities without the chaos of a major city. This artsy, progressive town offers four mild seasons, vibrant restaurants, music, and easy access to trails and national parks.
Compared to other retirement destinations, the average home cost here is relatively modest, and the community is open and welcoming to newcomers.
Another Florida favourite, Sarasota, is perfect for those looking for beachside living without the party vibe of Miami. Known for its white-sand beaches, top-rated healthcare, and active arts scene, Sarasota offers a relaxed pace of life ideal for seniors.
Florida’s lack of state tax on income, including social security benefits, is a big draw for budget-conscious expats. Housing options range from cozy condos to luxurious single-family homes.
If you’re looking for a retirement that doesn’t feel like “retiring,” Austin may be your answer. With a booming food scene, live music, access to top universities, and walkable neighborhoods, it’s ideal for active expats.
Texas has no state tax, and Austin’s diverse population makes it easy to find inclusive communities. Demand has increased property costs and rents, so assess your personal finance goals before moving.
Charleston is charming and full of history and offers cobblestone streets, antebellum architecture, and a warm coastal climate. It’s one of the retirement hot spots where living costs remain manageable while offering a high quality of life.
South Carolina is considered tax-friendly for retirees, and the city boasts access to excellent medical facilities. Charleston checks every box for expats looking for a calm but culturally rich environment.
Not every great retirement destination needs a beach. Columbus stands out for its affordability, strong healthcare system, and mid-sized city feel. It’s home to several major universities, which means a steady stream of events, educational programs for seniors, and service innovation.
The household median income in Columbus is solid, and the monthly cost of living is relatively low, making it easier to manage long-term savings.
Irvine in Orange County is hard to beat for those seeking luxury on the West Coast. Clean, master-planned neighborhoods, a low crime rate, and world-class medical facilities make this city attractive to international retirees.
While it comes with a high home value and total annual cost, the return is access to beaches, shopping, cultural centers, and top-tier healthcare. If your money allows, it’s a dream retirement destination.
Boise has quietly become one of the most talked-about retirement destinations in the US. With a low crime rate, affordable housing, and a fast-growing expat population, it offers a mix of small-town charm and big-city resources.
Its four-season weather, expanding arts scene, and outdoor lifestyle make it a top pick for those who want to stay active. Personal finance websites consistently rank Boise as a budget-friendly place for retirees.
Often overshadowed by nearby Tampa, St. Pete deserves a spotlight. This city offers a relaxed beach vibe, fantastic parks, and a strong arts and dining scene.
Its location on the Sunshine State’s Gulf Coast means plenty of sun and access to nature. Florida’s tax policies add to the appeal, making St. Petersburg a great blend of affordability and lifestyle.
One of the biggest concerns for expats retiring in the US is healthcare, and with good reason. No matter how beautiful your new retirement destination may be, access to reliable medical facilities will impact your quality of life more than anything else.
Not all cities offer the same level of care. When comparing retirement hot spots, prioritize areas with high-ranking hospitals, specialists, and senior-friendly clinics. According to the National Association of Area Agencies on Aging, many US states offer aging services, but availability can vary dramatically by city or state.
Also, you won't automatically qualify for Medicare if you’re not a US citizen or permanent resident. That means you’ll likely need health insurance for expatriates.
Retiring abroad can be exciting, but some truths don’t always appear in brochures or blog posts. Here are a few things most expats don’t discover until they’ve moved.
Unfortunately, unlike other countries, the US doesn’t have a dedicated retirement visa. That means most expats must navigate complex visa options, often based on family connections, investments, or employment history.
And even if you secure a long-term visa, you’ll need to understand how it affects your ability to access services, receive social security benefits, and purchase property. It's best to consult with an immigration attorney before finalizing your move.
Even if you’ve visited the US before, retiring here as an expat means starting fresh. You may not have family nearby or a strong social circle in place. Many retirees must work to build a sense of community through clubs, volunteer work, or local events.
The good news? Most US cities have community centers, parks, and neighborhood groups for seniors. And in many places with a high expat population, it won’t take long to feel at home.
It's also worth considering natural disaster risks when settling into your new life. Resources from the Federal Emergency Management Agency (FEMA) can help you evaluate whether your chosen retirement destination is vulnerable to floods, wildfires, or hurricanes.
The US offers endless variety and a wide price range. Your monthly costs can add up quickly, from home value and property taxes to groceries and utilities, especially in high-demand areas like the Bay Area or Orange County.
Your savings, social security benefits, and pension must cover housing, healthcare, transportation, and entertainment. Tools like Sperling’s BestPlaces and guidance from personal finance advisors can help break down your cost of living.
With so many options, there’s no one-size-fits-all answer. Some expats choose the Sunshine State for its tax perks and beach lifestyle. In contrast, others are drawn to the cultural offerings of Texas, the historic charm of South Carolina, or the natural beauty of Idaho.
Start by revisiting your priorities:
Do you value urban amenities or a slower pace of life?
Are mild winters or warm summers more your style?
How much of your savings are you comfortable using on home expenses?
Do you want to live near a university, an airport, or a major hospital?
Use this guide to compare options, factor in the median household income in your desired location, and see how far your money will go.
Finding the right place to retire in the US as an expat is about choosing a lifestyle that fits your goals, your budget, and the kind of community you want around you. Of course, retirement planning goes beyond location. It’s also about making sure you’re covered when it comes to healthcare and everyday essentials.
For more expert support, expat-friendly insurance plans, and resources tailored to international retirees, check out WellAway. It's a great place to find the tools and coverage to feel secure and at home.
So, as you weigh your options and start picturing your next chapter, remember that the best retirement city for you is the one that lets you live with comfort, confidence, and connection. Your golden years in the US are waiting, and now’s the time to make them everything you’ve imagined.