These are the 15 best cities to live in the United States if you’re retired in 2025

Finding the perfect place to spend your retirement years can be as much about atmosphere as it is about affordability.

GOBankingRates’ latest research, published on August 12, 2025, ranks cities based on liveability, significant senior populations, and financial health. Here’s which places across the United States made the cut:

1. Dunedin, Florida – Topping the list with a liveability score of 84, it boasts 34.7% of residents aged 65+ and a comfortable median household income of about $68,000. Bright skies, walkable streets, and a warm character make it a standout.
2. Ormond Beach, Florida – A close second with a livability score of 83, a senior population of 33.3%, and a median income near $67K. Think beachside serenity with enough local life to keep things interesting.
3. Sebastian, Florida – Also scoring 83, Sebastian features nearly 36% seniors and an income hovering at $69K. Quiet, riverside living with a dedicated retiree vibe.
4. Parole, Maryland – The top non-Florida entrant, with an 82 liveability score and 34.4% over 65. Its median income is notably high—around $119K—suggesting a polished, affluent lifestyle.
5. Oro Valley, Arizona – With an 81 livability score and nearly 35% seniors, median income clocks in at about $105K. Desert skies, friendly neighbors, and well-kept neighbourhoods.
6. Gulfport, Florida – Another Sunshine State contender: 81 liveability, 35.6% seniors, $68.6K median income. Charming coastal draws with a relaxed, small-town feel.
7. Pompton Plains, New Jersey – A northeastern pick with a livability rating of 79, 34.7% seniors, and a strong income around $113K. Think green, quiet, and upscale.
8. Estero, Florida – At 79 liveability, more than half of its population (50.7%) is senior, and the median income is about $100K. A well-known hotspot for retirees seeking modern comforts.
9. Naples, Florida – A livability score of 79 and a whopping 56.2% aged 65+. Median income soars high at $141K. Upscale, sunny, and designed for the good life.
10. Venice, Florida – Another high scorer at 79, with nearly 60% seniors and a median income of $74K. A picture-perfect retirement town with charm to spare.
11. Cottonwood, Arizona – Liveability 77, 34.1% senior share, and median income of around $47K. Affordable desert escape with ample sunshine.
12. Ocean City, New Jersey – Also a 77 liveability score, with 34.2% aged 65+, and median income just over $101K. Boardwalk energy with a peaceful residential side.
13. Mesquite, Nevada – A liveability score of 77, and 45% over 65. Median income hovers around $74K. Casino-free, quiet desert living with affordable vibes.
14. Tavares, Florida – With a 76 liveability rating and 38% seniors, median income is about $57.6K. Lake country tranquillity that’s low-stress and affordable.
15. Punta Gorda, Florida – Rounding out the top 15 with liveability at 76, a senior-heavy population of 53.6%, and median income near $79K. Riverside charm meets laid-back Florida living.

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