Best State to Retire in 2025: Florida has been named the best state for retirement in 2025, according to a recent report by WalletHub. The study looked at more than 180 cities across the United States and tried to find the best places for older people to live comfortably. It focused on the things that really matter to retirees, especially those who live on fixed incomes and want to enjoy their golden years without too much stress.
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Chip Lupo, an analyst at WalletHub, said, “as a result, the best cities for retirees are those that minimize taxes and expenses, and also have good opportunities for retirees to continue with paid work for extra income, if they so choose.”
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With a sunny, warm climate, Panama might seem like an extension of Florida—but the cost of living is barely half that of the U.S., and hurricanes tend to go elsewhere. https://t.co/T3azcBY4qq (Photo: Martin Bernetti/AFP via Getty Images) pic.twitter.com/EVczdoGYmy
— Forbes (@Forbes) July 24, 2025
Best State to Retire in 2025: Which Florida cities top the list?
Ranking / City / Best ranking by category
- 1. Orlando / Affordability (5th)
- 4. Miami / Activities (7th)
- 5. Tampa / Things to do (10th)
- 7. Fort Lauderdale / Activities (14th)
- 12. St. Petersburg / Activities (31°)
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What Made Florida the Top Choice?
The study looked at many factors.
Affordability
Affordability mattered a lot. They checked the cost of living, taxes, electricity and utility costs, and home services. Florida scored high because it is easier for retirees to manage their money there compared to other states.
Activities
The report checked the activities available. Parks, museums, theaters, and sports facilities all make life fun for seniors. Florida also offers lots of options for older people to stay active and enjoy their free time.
Quality of life
The researchers looked at the number of people over 65, how friendly the senior communities are, and the climate. Florida’s warm weather and many retirement-friendly towns helped it rank at the top.
Healthcare
Healthcare was considered. Life expectancy, quality of public hospitals, and home healthcare options all counted. Florida has good medical facilities and services for older people, which made it even more attractive.
