50 Cities Where More Americans Are Working Past Age 65

Retirement-age baby boomers are finding more and more reasons to remain in the workforce — indeed, one out of every five Americans age 65 or older has decided to continue working past the traditional retirement age. That is double the percentage of 35 years ago. Additionally, 52% of soon-to-be retirees are planning to continue working in some capacity after they retire from their primary careers.

This begs the question: Where are these retirement-aged Americans working?

That’s a question GOBankingRates recently sought to answer. To do so, GOBankingRates parsed data from the 2018 and 2023 5-year U.S. Census American Community Surveys to discern the population and labor force participation rate of those age 65 to 74, tracking the cities where those numbers were highest. Other factors, such as median household income, were included. Finally, GOBankingRates ranked the cities from highest to lowest in terms of which locations had the greatest five-year change in the labor force participation rate for ages 65 to 74. From that overall matrix, GOBankingRates found the 50 cities where more Americans are working past the age of 65.

• California leads the charge: The Golden State has eight cities boasting large retirement-age workforces, more than any other state in the union.
• Florida has the highest change in participation rate: Royal Palm Beach’s five-year change in labor force participation rates for those 65 to 74 is 27.9% — that’s 9% more than the next-highest city listed. Further, Florida comes in second after California in terms of overall cities in the top 50, with seven locations.
• Nearly half the retirement-age populations of four cities are still working: In Aliso Viejo, California, 47.7% of those 65 to 74 are still working. While that is the highest of any city listed, three other cities are very close behind: North Lauderdale, Florida (47.5%); Carrollton, Texas (45.4%); and Doral, Florida (45.2%).

• % of population 65+: 17.8%
• % of labor force ages 65-74: 43.9%
• 5-year % change in labor force ages 65-74: 27.9%
• Median household income: $92,382

• % of population 65+: 21.5%
• % of labor force ages 65-74: 34.7%
• 5-year % change in labor force ages 65-74: 18.8%
• Median household income: $50,705

• % of population 65+: 16.1%
• % of labor force ages 65-74: 40.2%
• 5-year % change in labor force ages 65-74: 16.1%
• Median household income: $57,633

• % of population 65+: 17.2%
• % of labor force ages 65-74: 35.9%
• 5-year % change in labor force ages 65-74: 15.3%
• Median household income: $92,748

• % of population 65+: 11.3%
• % of labor force ages 65-74: 36.0%
• 5-year % change in labor force ages 65-74: 14.8%
• Median household income: $81,798

• % of population 65+: 15.8%
• % of labor force ages 65-74: 35.9%
• 5-year % change in labor force ages 65-74: 14.8%
• Median household income: $81,642

• % of population 65+: 10.9%
• % of labor force ages 65-74: 47.5%
• 5-year % change in labor force ages 65-74: 14.6%
• Median household income: $63,423

• % of population 65+: 14.6%
• % of labor force ages 65-74: 33.0%
• 5-year % change in labor force ages 65-74: 14.1%
• Median household income: $92,928

• % of population 65+: 14.8%
• % of labor force ages 65-74: 34.0%
• 5-year % change in labor force ages 65-74: 13.8%
• Median household income: $130,278

• % of population 65+: 14.4%
• % of labor force ages 65-74: 36.9%
• 5-year % change in labor force ages 65-74: 13.8%
• Median household income: $121,410

• % of population 65+: 20.3%
• % of labor force ages 65-74: 39.9%
• 5-year % change in labor force ages 65-74: 13.3%
• Median household income: $115,825

• % of population 65+: 9.6%
• % of labor force ages 65-74: 42.9%
• 5-year % change in labor force ages 65-74: 13.1%
• Median household income: $151,235

• % of population 65+: 12.9%
• % of labor force ages 65-74: 45.4%
• 5-year % change in labor force ages 65-74: 12.8%
• Median household income: $99,115

• % of population 65+: 19.3%
• % of labor force ages 65-74: 36.3%
• 5-year % change in labor force ages 65-74: 12.8%
• Median household income: $75,516

• % of population 65+: 14.0%
• % of labor force ages 65-74: 38.8%
• 5-year % change in labor force ages 65-74: 12.7%
• Median household income: $83,212

• % of population 65+: 16.4%
• % of labor force ages 65-74: 37.3%
• 5-year % change in labor force ages 65-74: 12.0%
• Median household income: $70,401

• % of population 65+: 16.2%
• % of labor force ages 65-74: 39.6%
• 5-year % change in labor force ages 65-74: 11.9%
• Median household income: $97,255

• % of population 65+: 26.3%
• % of labor force ages 65-74: 32.4%
• 5-year % change in labor force ages 65-74: 11.7%
• Median household income: $78,563

• % of population 65+: 12.2%
• % of labor force ages 65-74: 27.9%
• 5-year % change in labor force ages 65-74: 11.6%
• Median household income: $50,349

• % of population 65+: 29.9%
• % of labor force ages 65-74: 38.3%
• 5-year % change in labor force ages 65-74: 11.5%
• Median household income: $120,685

• % of population 65+: 8.3%
• % of labor force ages 65-74: 45.2%
• 5-year % change in labor force ages 65-74: 11.4%
• Median household income: $88,474

• % of population 65+: 13.4%
• % of labor force ages 65-74: 29.8%
• 5-year % change in labor force ages 65-74: 11.4%
• Median household income: $68,532

• % of population 65+: 18.6%
• % of labor force ages 65-74: 33.0%
• 5-year % change in labor force ages 65-74: 11.4%
• Median household income: $82,493

• % of population 65+: 18.7%
• % of labor force ages 65-74: 30.5%
• 5-year % change in labor force ages 65-74: 11.3%
• Median household income: $90,888

• % of population 65+: 12.3%
• % of labor force ages 65-74: 28.6%
• 5-year % change in labor force ages 65-74: 11.2%
• Median household income: $47,102

• % of population 65+: 14.7%
• % of labor force ages 65-74: 30.4%
• 5-year % change in labor force ages 65-74: 11.2%
• Median household income: $66,324

• % of population 65+: 17.3%
• % of labor force ages 65-74: 34.3%
• 5-year % change in labor force ages 65-74: 11.2%
• Median household income: $78,738

• % of population 65+: 11.4%
• % of labor force ages 65-74: 34.9%
• 5-year % change in labor force ages 65-74: 11.1%
• Median household income: $65,691

• % of population 65+: 14.6%
• % of labor force ages 65-74: 31.3%
• 5-year % change in labor force ages 65-74: 11.0%
• Median household income: $58,814

• % of population 65+: 17.2%
• % of labor force ages 65-74: 27.6%
• 5-year % change in labor force ages 65-74: 10.9%
• Median household income: $58,246

• % of population 65+: 15.4%
• % of labor force ages 65-74: 31.7%
• 5-year % change in labor force ages 65-74: 10.9%
• Median household income: $66,344

• % of population 65+: 18.8%
• % of labor force ages 65-74: 29.2%
• 5-year % change in labor force ages 65-74: 10.9%
• Median household income: $102,449

• % of population 65+: 15.3%
• % of labor force ages 65-74: 38.2%
• 5-year % change in labor force ages 65-74: 10.8%
• Median household income: $114,926

• % of population 65+: 11.4%
• % of labor force ages 65-74: 32.2%
• 5-year % change in labor force ages 65-74: 10.8%
• Median household income: $56,952

• % of population 65+: 16.9%
• % of labor force ages 65-74: 28.9%
• 5-year % change in labor force ages 65-74: 10.6%
• Median household income: $68,854

• % of population 65+: 11.3%
• % of labor force ages 65-74: 28.0%
• 5-year % change in labor force ages 65-74: 10.5%
• Median household income: $82,993

• % of population 65+: 9.1%
• % of labor force ages 65-74: 18.3%
• 5-year % change in labor force ages 65-74: 10.5%
• Median household income: $67,558

• % of population 65+: 14.7%
• % of labor force ages 65-74: 42.2%
• 5-year % change in labor force ages 65-74: 10.4%
• Median household income: $212,700

• % of population 65+: 18.1%
• % of labor force ages 65-74: 39.5%
• 5-year % change in labor force ages 65-74: 10.3%
• Median household income: $77,171

• % of population 65+: 13.0%
• % of labor force ages 65-74: 25.9%
• 5-year % change in labor force ages 65-74: 10.3%
• Median household income: $54,029

• % of population 65+: 12.1%
• % of labor force ages 65-74: 27.4%
• 5-year % change in labor force ages 65-74: 10.1%
• Median household income: $103,845

• % of population 65+: 9.9%
• % of labor force ages 65-74: 39.0%
• 5-year % change in labor force ages 65-74: 9.9%
• Median household income: $81,292

• % of population 65+: 16.3%
• % of labor force ages 65-74: 30.7%
• 5-year % change in labor force ages 65-74: 9.9%
• Median household income: $36,220

• % of population 65+: 16.1%
• % of labor force ages 65-74: 32.3%
• 5-year % change in labor force ages 65-74: 9.9%
• Median household income: $66,314

• % of population 65+: 14.0%
• % of labor force ages 65-74: 36.4%
• 5-year % change in labor force ages 65-74: 9.9%
• Median household income: $142,788

• % of population 65+: 10.5%
• % of labor force ages 65-74: 47.7%
• 5-year % change in labor force ages 65-74: 9.8%
• Median household income: $137,970

• % of population 65+: 12.5%
• % of labor force ages 65-74: 29.1%
• 5-year % change in labor force ages 65-74: 9.8%
• Median household income: $109,780

• % of population 65+: 20.1%
• % of labor force ages 65-74: 40.6%
• 5-year % change in labor force ages 65-74: 9.8%
• Median household income: $207,891

• % of population 65+: 11.9%
• % of labor force ages 65-74: 30.0%
• 5-year % change in labor force ages 65-74: 9.8%
• Median household income: $90,699

• % of population 65+: 13.6%
• % of labor force ages 65-74: 37.9%
• 5-year % change in labor force ages 65-74: 9.8%
• Median household income: $63,838

Editor’s note: Photos are for representational purposes only and might not reflect the exact locations listed.

Methodology: Using data from the 2018 and 2023 5-year U.S. Census American Community Surveys, the population and labor force participation rate was sourced for the population ages 65-74. To qualify for this study, a location had to have a population of at least 2,500 for ages 65-74. Census Designated Places (CDPs) were also not considered for this study. The top 50 locations with the highest increase in labor force participation rate for ages 65-74 were identified. For each location a number of factors were found including; total population, population ages 65+, total households, and median household income were also sourced from the 2018 and 2023 US Census ACS. The cities were sorted to show the largest 5-year increase in labor force participation for ages 65 to 74. All data was collected on Nov. 21, 2025.