Choosing where to spend your golden years is a big decision that involves balancing affordability, safety, healthcare access, and overall quality of life. In 2025, retirees are facing rising living costs and must make their savings stretch further than before. Fortunately, several U.S. states stand out as especially retirement-friendly, offering low living expenses, low crime rates, accessible high-quality healthcare, and favorable tax or property tax conditions. Below, we explore some of the best states to retire in 2025, backed by current data and rankings, and explain what makes each attractive to older adults.

Florida

It’s no surprise that Florida is often called a “retirement paradise.” Florida consistently ranks at the top for retiree appeal, and in 2025 it was rated the #1 state for retirement overall . The Sunshine State has no state income tax, no estate or inheritance tax, and does not tax Social Security benefits, giving retirees more disposable income . In fact, Florida offers “relatively low taxes for retired people” across the board . Property taxes in Florida are moderate (around the national average), and longtime residents can benefit from homestead exemptions that cap property tax increases.

Beyond finances, Florida excels in quality of life for seniors. With the second-longest coastline of any state, it provides ample beachfront relaxation and warm weather year-round . Florida also has abundant recreational and social opportunities: it ranks near the top for senior volunteer activities, golf courses, and theater companies per capita . These amenities help keep older residents active and engaged. Notably, Florida has the third-lowest death rate for people 65 and up in the country , which reflects a combination of health services and lifestyle. Healthcare access is generally good – the state has many hospitals and clinics geared toward retirees – though in a 2025 study its healthcare quality ranked in the middle of the pack . One downside is that Florida’s overall cost of living is higher than many other states, particularly due to housing and insurance costs . Retirees are wise to research affordable areas (many choose inland or northern Florida to save on housing) and budget for homeowners insurance, which can be costly in hurricane-prone areas . Even so, Florida’s mix of tax advantages, senior-oriented amenities, warm climate, and healthcare infrastructure keeps it at the top of most retirement lists .

Minnesota

A more unexpected addition to the “best states to retire” list is Minnesota – a state better known for cold winters than beaches. Minnesota ranked #2 in WalletHub’s 2025 state retirement rankings, largely thanks to outstanding healthcare and senior well-being . Healthcare access and quality in Minnesota are top-notch: the state has the most healthcare facilities per capita in the nation and some of the best geriatric medical centers . It also boasts the second-highest number of nursing homes and ample home health care services, ensuring that older residents can get the care they need as they age . As a result, Minnesota seniors tend to be healthier – the state has one of the lowest rates of seniors with disabilities or in poor mental health . Minnesota’s elderly population also has high physical health outcomes, ranking in the top five for seniors reporting being in good health .

Safety and community are other strong suits for Minnesota. The state enjoys a relatively low crime rate – it has the 15th-lowest violent crime rate in the country – which helps seniors feel secure. Minnesota also invests in protecting older residents from abuse and fraud, ranking top ten for elder abuse protections . Additionally, there’s a strong sense of community: a high percentage of people regularly “do favors for their neighbors,” indicating neighborly support networks . On the financial side, Minnesota is middling in pure affordability (its cost of living and taxes are about average) but it’s notable that relatively few Minnesota seniors live in poverty or face hunger . This suggests solid social services and economic support for retirees. A potential drawback is Minnesota’s tax climate – while the state has been reducing taxes on Social Security benefits, some retirement income can still be taxed, and sales taxes are average. Moreover, winters in Minnesota are long and cold, which not every retiree will relish. However, many older adults happily trade the snow for the state’s safety, excellent healthcare, and high quality of life. For those who don’t mind bundling up, Minnesota offers a secure and healthy environment to age in place .

Colorado

For retirees seeking an active lifestyle and beautiful scenery, Colorado is a top contender. In 2025 Colorado ranked #3 among retirement-friendly states , thanks to a well-rounded mix of financial and quality-of-life benefits. The state is reasonably affordable for many retirees: Colorado has no estate or inheritance tax at all , and it provides other tax perks, including no state taxes on Social Security and a low flat income tax on other retirement income. Notably, Colorado’s property taxes are very low – at about 0.5% effective rate, among the lowest in the nation – which can save homeowners thousands compared to high-tax states. Overall, Colorado ranked in the top fifteen for affordability in WalletHub’s analysis .

Quality of life and health metrics in Colorado are particularly strong. The state has one of the healthiest senior populations in the country. Colorado scored a top-5 ranking for health care, with excellent hospitals (its geriatric care hospitals rank in the nation’s top ten) and a high share of physically active seniors . Retirees in Colorado report low rates of social isolation and high mental well-being . Outdoor recreation is abundant – from walking trails and scenic byways to ski resorts and national parks – which encourages an active retirement lifestyle. Culturally, there are plenty of ways to stay engaged: Colorado has a high number of volunteer opportunities and theaters per capita, reflecting a vibrant community life for older residents . Safety is generally good; outside of a few urban centers, crime rates are relatively low and many communities are very senior-friendly. As a bonus, Colorado is known for its sunny climate – despite cold winters in the mountains, much of the state (like Denver) enjoys a high number of sunny days per year and milder winters than the Upper Midwest.

One consideration is that popular retirement spots in Colorado (such as Boulder or mountain towns) have seen rising housing costs, with home prices above national averages . However, more affordable areas exist (for example, Pueblo or Grand Junction) where costs are lower while still offering the state’s natural beauty. All told, Colorado delivers affordability, tax-friendliness, top-tier healthcare, and an active outdoor lifestyle, making it an appealing retirement destination .

Delaware

Delaware may be small in size, but it earned an outsized reputation as a retirement haven going into 2025. In Bankrate’s 2024 analysis, Delaware was ranked the #1 state for retirees , and it continues to shine thanks to a combination of affordability and location. The First State is extremely tax-friendly for seniors . Delaware has no state or local sales tax, meaning everyday purchases are cheaper . It does not tax Social Security benefits, and it offers exemptions on other retirement income. Perhaps most attractive, Delaware’s property taxes are among the lowest in the country – effective property tax rates are around 0.4–0.6%, so the typical homeowner pays roughly $1,500–$2,000 a year in property tax . That’s a fraction of what retirees might pay annually in nearby New Jersey or New York. This low tax burden helps fixed incomes go further, and one study noted Delaware “has lower property taxes relative to the rest of the country” .

Cost of living in Delaware is about average, with home prices near the national median . So while it’s not the absolute cheapest state, it scores well on all affordability metrics including housing, taxes, and insurance costs . Beyond cost factors, Delaware offers solid healthcare access – it has well-regarded hospitals and is close to major medical hubs (Philadelphia and Baltimore are short drives away, expanding options for specialized care). The state frequently ranks well for healthcare quality and senior well-being . Its small size is actually a perk for retirees: nothing is too far away. You can live in a peaceful coastal town or small city like Dover, yet be within two hours of big-city amenities and top medical centers. The climate is relatively mild (four seasons but milder winters than New England), and crime rates in Delaware are generally lower than many large states. One consideration is that some parts of Delaware, such as the popular beach communities, have seen rising housing demand as more retirees relocate there. Nonetheless, Delaware’s blend of low taxes, reasonable living costs, accessible healthcare, and East Coast location make it especially attractive for retirees looking to stretch their dollars without straying too far from family in the Mid-Atlantic region .

Wyoming

If you value wide-open spaces, low taxes, and low crime, Wyoming might be an ideal retirement spot. This western state recently climbed into the top tier of retirement rankings – WalletHub’s 2025 report bumped Wyoming up to the #4 best state to retire, noting it was #1 in affordability and #3 in quality of life overall . Wyoming imposes no state income tax at all (so Social Security and other retirement income are untaxed), and it has no estate or inheritance taxes either . Property taxes are very low, and sales taxes are modest. As a result, the overall tax burden in Wyoming is among the lowest in the nation . Low living costs go beyond taxes: Wyoming has an adjusted cost of living index near the lowest in the country , meaning housing, groceries, and services tend to be quite affordable. For example, the median monthly mortgage payment is around $1,690, and a one-bedroom rent averages just $739, significantly below national norms . Retirees on a fixed income can live comfortably here, financially speaking.

Wyoming also shines when it comes to safety and lifestyle. It has one of the lowest crime rates in America – ranked 6th lowest for violent crime and 7th for overall public safety in one analysis . Many retirees appreciate the peace of mind that comes with Wyoming’s safe, small communities. Quality of life is enhanced by the state’s natural beauty and outdoor recreation. Wyoming is home to spectacular landscapes, from the Tetons to wide plains, and has over 100 hiking trails in its parks and wilderness areas . Outdoor enthusiasts can enjoy fishing, hiking, and national treasures like Yellowstone. Socially, Wyoming’s communities have a growing population of seniors, so older newcomers can find peers – the 65+ age group has been the fastest-growing segment of the population in recent years . This means more social opportunities and attention to senior needs at the local level.

The major trade-off in Wyoming is healthcare access. In the WalletHub study, Wyoming ranked only 38th for healthcare . The state is rural and sparsely populated, which means fewer hospitals and specialized medical services. Retirees in Wyoming may need to travel to larger cities (or to Colorado/Utah) for certain medical care. Additionally, Wyoming’s climate includes harsh winters with heavy snow in some areas, which can be challenging for some seniors. However, those who are drawn to Wyoming often find that the financial freedom, safety, and stunning environment more than compensate for its drawbacks . It remains a very appealing state for retirees seeking affordability and an adventurous, outdoorsy retirement.

South Dakota

South Dakota is another state that consistently ranks well for retirees, combining low costs, good healthcare, and a relaxed lifestyle. It was rated the 5th best state to retire in 2025 by WalletHub , and for good reason. Like its neighbor Wyoming, South Dakota has no state income tax, allowing retirees to keep more of their income and Social Security. Its cost of living is comfortably below average (South Dakota’s cost index was 16th-best in the nation) . Housing, in particular, is affordable, whether you’re looking to buy a house or rent in retirement. While property tax rates are a bit higher than in Delaware or Colorado, they are still moderate (often around 1% effective rate), and the state offers property tax relief programs for seniors.

Where South Dakota really stands out is in healthcare and senior services. Despite its rural character, South Dakota ranked #4 in the nation for healthcare in the 2025 WalletHub analysis . The state has a high number of healthcare facilities per capita – it’s 12th in the country for access to medical providers . Cities like Sioux Falls and Rapid City have reputable hospitals and clinics, and telemedicine is helping reach those in remote areas. Outcomes for seniors are positive here: South Dakota’s elder population enjoys a life expectancy and health indicators on par with or better than national averages. In terms of safety, South Dakota is quite secure for a retiree. Its property crime rate ranks in the top 20 (18th-lowest) and violent crime is relatively uncommon outside a few urban spots. The lifestyle is quiet and community-oriented, with an emphasis on small-town friendliness. Many retirees are drawn to the Black Hills region, which offers scenic beauty, outdoor activities, and tourism amenities in towns like Rapid City or Spearfish.

One consideration is the weather – South Dakota has cold, snowy winters which can be isolating or difficult for some older folks (and may increase heating costs). Culturally, it’s a slower pace of life, which suits many retirees but may feel too quiet for those used to big-city entertainment. Nonetheless, South Dakota’s mix of no income taxes, reasonable living costs, strong healthcare access, and low crime makes it a compelling choice, especially for retirees who don’t mind seasonal weather and who appreciate a friendly, low-key community setting .

Virginia

Virginia often flies under the radar in retirement discussions, but it offers a strong mix of advantages for seniors seeking a balanced lifestyle. Virginia made some “best states to retire” lists for 2025 due to its high-quality healthcare system, moderate taxes, and rich historical and recreational offerings. Healthcare is a big plus: Virginia is home to excellent hospitals (including nationally ranked medical centers in Richmond and the Washington D.C. suburbs), and it has a large network of doctors and specialists. For example, cities like Virginia Beach, Charlottesville, and Fairfax all have well-regarded hospitals, giving retirees plenty of options for quality care. Crime rates in Virginia are generally low; the state’s violent and property crime rates sit below the national average, and many suburban and rural communities are very safe for seniors.

On the financial side, Virginia can be considered taxpayer-friendly for retirees . Social Security benefits are not taxed by the state, and Virginia offers deductions for other retirement income up to certain limits, easing the burden on middle-income retirees. Property taxes in Virginia are moderate (the effective rate is around 0.8–0.9%, though it varies by county). Notably, Virginia has programs to reduce property taxes for seniors, such as relief or deferral options in many localities, which can help those on fixed incomes. One caveat: the cost of living in Virginia is around or slightly above the national average, mainly due to housing costs in certain areas . Northern Virginia near D.C. is expensive, for example, but other parts of the state – like the Blue Ridge Mountain towns or coastal areas around Norfolk – are much more affordable. Retirees who choose carefully can find reasonably priced communities, especially considering that Virginia’s diverse regions range from rural countryside to small towns to seaside villages.

Quality of life is a strong suit for Virginia. The state offers a bit of everything: mountains, beaches, and four distinct seasons (including mild winters in the Tidewater region). Cultural and educational opportunities abound, from historical sites in Williamsburg to concerts and museums around D.C. This makes it easy for retirees to stay active and engaged. Virginia’s inclusion in top retirement lists stems from its well-rounded appeal – good healthcare, decent affordability, low crime, and plenty to do . It may not have the rock-bottom taxes of Florida or the ultra-low costs of some Southern states, but it provides a high quality of life with fewer extremes, which many retirees find very attractive.

Arizona

No discussion of retirement destinations would be complete without mentioning Arizona, long a magnet for retirees seeking warm weather. While Arizona ranked around the middle of some 2025 state listings (WalletHub placed it 30th due to certain metrics) , it remains hugely popular and for good reason. Affordability and tax friendliness are a big part of Arizona’s appeal. The state has a relatively low cost of living and one of the lowest property tax rates in the U.S. – about 0.41% on average, second only to Hawaii . This means homeowners in Arizona pay far less in property taxes than those in high-tax states, even if home prices in popular areas have risen. In addition, Arizona does not tax Social Security income at all, and it has a low flat income tax (2.5%) on other retirement income . There are also special property tax freeze programs for seniors over 65 to prevent property taxes from climbing too much on a fixed income . Altogether, retirees in Arizona enjoy a very light tax burden, helping their savings last longer.

Arizona also provides solid healthcare access, especially in its cities. Phoenix and Tucson are home to numerous hospitals – Phoenix alone has 49 hospitals that accept Medicare patients , including the renowned Mayo Clinic in Scottsdale. This concentration of medical facilities gives retirees confidence that they can get quality care for routine and specialized needs. Many communities in Arizona are designed with seniors in mind, from the famous retirement city of Sun City (near Phoenix) to Green Valley near Tucson. These areas offer convenient healthcare clinics, senior centers, and social clubs. Safety in Arizona is generally good, particularly in suburban retirement communities that have low crime rates. Of course, like any large state, Arizona has some higher-crime areas (typically in parts of big cities), but retirees can choose safer neighborhoods – and many retirement communities are gated or have their own security as well.

The biggest draw for Arizona is its climate and lifestyle. The state promises abundant sunshine and very low humidity, which many older adults prefer, especially if coming from cold or damp climates. The warm, dry air can be easier on those with arthritis or respiratory issues. Winters in places like Phoenix are mild and snow-free, making year-round outdoor activities possible – golf, hiking, and pickleball are staples of Arizona retirement life. However, the summer heat is extreme; temperatures can soar well above 100°F for weeks . Retirees often adapt by scheduling travel during summer or using summer mornings and evenings for outdoor time. It’s also important to stay hydrated and cool, as older individuals are more vulnerable to heat-related illness . Additionally, Arizona’s growing popularity has driven up some costs: housing in desirable areas (e.g. Scottsdale) can be pricey , and home insurance costs have risen due to risks like wildfires and flash floods in certain regions . Despite these challenges, Arizona’s combination of affordable living, retirement-oriented amenities, healthcare access, and sunny weather continues to make it one of the most attractive states for retirees .

Conclusion

When it comes to retirement in 2025, the “best” state truly depends on individual priorities – whether you value warm weather over low taxes, or healthcare quality over cost of living. The states highlighted above, however, have distinguished themselves by offering a strong mix of affordability, safety, healthcare access, and overall retiree-friendly conditions. Florida remains a perennial favorite for its tax advantages and active senior lifestyle . States like Minnesota and Colorado show that top-notch healthcare and quality of life can sometimes outweigh climate considerations . Low-tax havens such as Wyoming and South Dakota prove that stretching a fixed income is easier in states with modest living costs and little to no income tax . And smaller states like Delaware and culturally rich states like Virginia demonstrate that moderate climates, good healthcare, and tax perks can go hand-in-hand .

Ultimately, retirees should weigh cost of living (especially housing and property taxes), crime rates and safety, proximity to hospitals and quality healthcare, and tax burdens when choosing their retirement destination. The “best” state will be one that fits your personal needs and preferences while offering peace of mind and financial sustainability. Thankfully, as the data shows, there are many excellent options across the country. Whether you dream of a sunny beach, a mountain vista, or a quiet small town, you can find a state that makes your retirement years both comfortable and rewarding .