ChatGPT Unveils: 9 Best Cities To Retire for 2025

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No matter where you are in your retirement planning — whether that’s just starting to save or weeks away from punching out for the last time — where you picture yourself ending up is an important part of figuring out your finances.

The ideal city should offer a low cost of living, ample healthcare options, social activities and a retirement community that fits personal preferences. Here’s a look at some of the best cities for retirement in 2025 based on affordability, healthcare, cost of living and more as projected by ChatGPT. 

1. Asheville, North Carolina

Asheville consistently ranks as one of the top retirement destinations, and it’s easy to see why as it has mild weather and a good mix of metropolitan amenities and small-town vibes. The healthcare system is excellent, with numerous medical facilities nearby, and the cost of living is reasonable.

If you’ve reached retirement age, this could be a welcome hot spot to spend your golden years. 

2. Austin, Texas

For retirees who want to blend vibrant city life with outdoor recreation, Austin, Texas, is a prime destination. With no state income tax and a relatively high quality of life, Austin is financially appealing compared to other big cities in the United States.

The city also boasts a plethora of healthcare options, with top-rated hospitals like St. David’s Healthcare as well as an abundance of farmers’ markets and festivals. 

3. Scottsdale, Arizona

If you’re hoping your personal finances can cover a place with year-round sunshine and a community tailored to retirees, Scottsdale might be the perfect place to spend your retirement savings.

Its proximity to Phoenix means easy access to a larger metropolitan area, but Scottsdale itself has a reputation for being a top spot for retirement living. The city offers a wide range of golf courses, resorts, spas and cultural events, and the dry climate is beneficial for those with respiratory issues.

4. Portland, Maine

Like many cities based off the water, the charm of Portland, Maine will wow you with its scenic coastline, historic district and fresh seafood.

Portland offers people, especially those age 65 or older, a peaceful, picturesque setting with a strong sense of community. The healthcare system in Portland is excellent, with high-quality hospitals and medical services. 

5. Tampa, Florida

Florida has long been a favorite retirement destination as it’s another state that doesn’t tax income. Tampa has become one of the more appealing cities for retirees based on its climate and cultural heritage.

Though Florida isn’t always the cheapest state to move to, the cost of living in Tampa is often lower than in other parts of Florida, such as Miami or Orlando.

6. Boise, Idaho

If you’re looking for an affordable, friendly city with an abundance of outdoor activities, Boise is an excellent option. The cost of living in Boise is relatively low, and the city has become increasingly popular for retirees seeking an active lifestyle.

Surrounded by beautiful mountains and rivers, there’s plenty to do in terms of hiking, fishing, and skiing. Boise also offers a great arts and cultural scene, with museums, theaters, and local events. The healthcare system in Boise is high quality, and the city has earned a reputation for being one of the safest in the nation.

7. Naples, Florida

Naples is a prime location for retirees looking to enjoy luxury living without the hustle and bustle of larger cities. Known for its pristine beaches, upscale shopping and world-class golf courses, Naples offers a refined atmosphere with a strong emphasis on relaxation and leisure.

The cost of living is higher than in some other Florida cities, but for many, the lifestyle and amenities more than make up for it. 

8. Boulder, Colorado

If you want to prioritize an active lifestyle in retirement, especially in a beautiful and eco-conscious city, Boulder, Colorado just might be your peak aspiration. With the Rocky Mountains as its backdrop, Boulder offers a variety of outdoor activities and has a great healthcare infrastructure, with access to Boulder Community Health.

Boulder is known for its environmental sustainability, access to organic foods, and vibrant culture, just keep in mind it can come with a higher price tag for the cost of living.

9. Charleston, South Carolina

For retirees who appreciate history, culture and Southern charm, Charleston is an exceptional destination as it’s filled with cobblestone streets, pristine beaches, an epic food scene and excellent healthcare options.

There’s no state income tax on Social Security income which is a bonus for those living on a fixed income. The cost of living is also reasonable compared to other coastal cities, making Charleston an affordable yet luxurious option for retirees.

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