Retirees Choosing New Cities Over Florida

Additional Coverage:

10 Sunny Cities for Retirees That Are Better Than Florida (financebuzz.com)

Beyond the Sunshine State: Top Western Havens for Your Golden Years

While Florida often hogs the spotlight for retirement destinations, a growing number of retirees are setting their sights on the picturesque landscapes and vibrant communities of the American West. If endless sunshine, stunning natural beauty, and a unique blend of culture are calling your name, you might just find your perfect post-work paradise out here.

Choosing the right location can make a world of difference for your retirement budget and lifestyle. To help you navigate the vast western frontier, we’ve rounded up some fantastic options that offer everything from mountain serenity to desert warmth.

1. Santa Fe, New Mexico

With over 20% of its residents aged 65 or older, Santa Fe is practically tailor-made for the senior community. Its cool, dry climate is a magnet for nature lovers, while the low cost of living is a definite plus for those on a fixed income. Don’t forget to immerse yourself in the city’s renowned art scene, including the unique outdoor performances at the Santa Fe Opera.

2. Flagstaff, Arizona

Flagstaff offers a delightful climate mix, blending the warmth of the Southwest with the refreshing coolness of its higher elevation. Arizona is also a tax-friendly haven for retirees, boasting no inheritance or estate tax and exempting Social Security income from state taxes. That means more cash in your pocket to explore the local art scene.

3. Las Vegas, Nevada

Think Las Vegas is just for the young and restless? Think again!

This vibrant city offers world-class entertainment, restaurants, and, yes, casinos, but it’s also a surprisingly affordable retirement option. Nevada has no state income tax, and your pension and Social Security benefits are also tax-free, leaving more funds for fun.

4. Idaho Falls, Idaho

Previously recognized by AARP as a top retirement city, Idaho Falls offers an active lifestyle. Its 14-mile River Walk boasts trails, shops, and restaurants downtown. For nature enthusiasts, outdoor activities abound, and Yellowstone National Park is just a two-hour drive away.

5. Palm Springs, California

If your retirement dreams include endless rounds of golf, Palm Springs might be your hole-in-one. With over 100 golf courses and abundant sunshine, it’s a golfer’s paradise.

Be mindful, however, that the cost of living here is above the national average. With roughly 31% of the population over 65, the city’s infrastructure and amenities are well-suited to an older demographic.

6. Amarillo, Texas

For those seeking a mid-sized city without the colossal price tag, Amarillo in the vast state of Texas hits the sweet spot. With over 200,000 residents and a more reasonable cost of living (homes sold for around $229,995 in June 2025), it offers a comfortable alternative to big-city life.

7. St. George, Utah

Another excellent choice for active retirees, St. George offers unparalleled access to nature.

Nestled beside the Red Cliffs National Conservation Area and just an hour from Zion National Park, outdoor adventures are practically on your doorstep. As part of the Mojave Desert, it enjoys a warmer climate, and residents here even boast a higher life expectancy than the national average.

8. Missoula, Montana

For the outdoorsy and adventurous, Missoula is a top contender. Renowned for its fly fishing opportunities (made famous in “A River Runs Through It”), it’s also close to several ski resorts. Plus, the University of Montana offers a chance to continue learning in your golden years.

9. Boulder, Colorado

Nestled in the foothills of the Rockies, Boulder is a mid-sized mountain town with a vibrant art scene, thanks in part to the University of Colorado. Retirees can enjoy year-round outdoor activities like hiking and skiing, and Colorado offers tax breaks on retirement income and low property taxes, making it a retiree-friendly state.

10. Bend, Oregon

Bend is another fantastic option for active retirees, offering everything from winter skiing to summer kayaking. Its milder climate avoids the extreme heat or cold found in other parts of the country. While Oregon doesn’t tax Social Security income, be aware that some taxes apply to pensions or retirement account withdrawals.

The Bottom Line

Before packing your bags, take a good look at your retirement portfolio to gauge your potential budget. The good news is that with careful planning and a bit of creativity, you can make almost any city work for your post-work life. Exploring ways to boost your savings and supplement your Social Security income can help turn your dream retirement location into a reality.

Smart Money Moves for Everyone

No matter your financial situation, there’s always room to improve your finances and grow your wealth. Here’s a quick guide to get you started today:

Boost Your Income: If your budget feels tight, consider a side hustle or explore legitimate ways to add to your bank account.
Grow Your Savings: Time and compound interest are your best friends for building wealth.

Start by understanding your current financial standing and then create a plan of action. Consulting a financial professional can be a smart move to ensure you don’t outlive your money in retirement.

Seize Opportunities: Maximize your senior benefits by taking advantage of all available deals, discounts, and money-saving opportunities. For example, regularly comparing car insurance rates could save you hundreds.

Conversely, be vigilant about avoiding money-wasting traps that can silently drain your bank account.