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Top U.S. Cities for Middle-Class Retirees (2024) - An In-Depth Guide
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Published in Travel and Leisure on Wednesday, December 3rd 2025 at 9:16 GMT by Travel + Leisure- 🞛 This publication is a summary or evaluation of another publication
- 🞛 This publication contains editorial commentary or bias from the source
Top U.S. Cities for Middle‑Class Retirees (2024)
An in‑depth look at the places where retirees can stretch their pension, enjoy quality healthcare, and keep a vibrant social life without breaking the bank.
Travel + Leisure recently ran a feature titled “Best City for Middle‑Class Retirees”, a practical guide for retirees who want to live comfortably on a moderate pension or savings portfolio. The article was more than a simple ranking—it was a thoughtfully curated list of cities that score highly on several factors that matter most to middle‑class retirees: cost of living, healthcare quality, climate, community vibe, and tax friendliness. Below is a detailed synopsis of each city’s strengths, the criteria the editors used, and some of the extra resources they linked to for deeper insight.
1. Asheville, North Carolina
Why it tops the list: Asheville combines a temperate climate with an artsy, laid‑back atmosphere that feels like a permanent vacation. The city’s real‑estate market offers a range of options, from historic Victorian homes to new developments, all at a lower price point than many coastal hotspots.
Key Points: - Healthcare: Asheville Regional Medical Center consistently ranks among the best in the South, with excellent geriatric care and a robust network of specialists. - Cost of Living: Median home price sits around $280,000—well below the national average for senior‑friendly locales. - Community: A strong volunteer network and a wealth of senior clubs keep retirees socially engaged. - Climate: Mild winters and dry summers make it a comfortable choice for those who dislike harsh weather.
Follow‑up Link: The article referenced the American Community Survey data for the city’s median age and income, reinforcing Asheville’s appeal to retirees who want a close‑knit community without the crowds.
2. Charlotte, North Carolina
Why it’s a smart pick: Charlotte’s rapid economic growth has attracted a young workforce, but the city has kept its cost of living relatively low, especially compared to nearby hubs like Atlanta or Raleigh.
Highlights: - Economic Resilience: A strong banking sector and expanding tech industry mean retirees are likely to see the city thrive for decades. - Healthcare: Several nationally ranked hospitals—like Duke University Hospital—are a short drive away. - Taxes: North Carolina’s flat income tax and relatively low property taxes are friendly to retirees. - Culture: The city’s museums, music venues, and diverse dining options provide endless entertainment.
Follow‑up Link: The editors pointed to the North Carolina Department of Health’s senior health index, showcasing Charlotte’s top ranking for preventive care.
3. Austin, Texas
Why it’s worth considering: Austin’s reputation as a cultural and tech hub is tempered by its surprisingly affordable housing for the area and a surprisingly high quality of healthcare.
Key Features: - Weather: Warm, but with a predictable seasonal rhythm—perfect for retirees who love the outdoors. - Healthcare: The St. David’s Health Network is a major draw for geriatric patients. - Lifestyle: A vibrant music scene, outdoor festivals, and a growing food truck culture keep retirees entertained. - Tax‑friendly: Texas has no state income tax, and the cost of living for seniors remains moderate.
Follow‑up Link: A link to the Texas Hospital Association’s “Best Hospitals” list helped underscore the city’s medical strengths.
4. Chattanooga, Tennessee
Why it’s on the list: Chattanooga’s scenic setting on the Tennessee River and its historic charm make it a great retirement destination. The city’s affordable housing and low property taxes are major perks.
Highlights: - Healthcare: Vanderbilt’s Chattanooga branch provides specialized geriatric services. - Outdoor Life: The nearby Appalachian Trail and riverfront parks offer easy access to hiking and kayaking. - Community: A strong senior center network and numerous community gardens promote an active lifestyle. - Affordability: Median home price around $200,000 and average rent for senior housing under $1,200 per month.
Follow‑up Link: The article cited the Tennessee Department of Health’s “Senior Wellness” data, indicating Chattanooga’s high scores in preventive care metrics.
5. Scottsdale, Arizona
Why it’s appealing: Scottsdale’s year‑round sunshine, luxury golf courses, and warm climate are a natural fit for retirees seeking an outdoor lifestyle. While property prices are higher than some of the other cities on the list, the overall cost of living—especially the lack of state income tax—keeps it within reach.
Key Points: - Climate: Mild winters and scorching summers—ideal for those who want sun, but the city’s climate control and indoor activities mitigate extreme heat. - Healthcare: The Scottsdale Medical Center is a top-rated facility for chronic disease management. - Lifestyle: A plethora of cultural events, including the Scottsdale ArtWalk, keep retirees engaged. - Community: A robust network of senior clubs, including the Scottsdale Senior Living Association, provides social support.
Follow‑up Link: Readers were directed to Arizona’s health insurance marketplace for detailed comparisons of plan costs in the Phoenix–Scottsdale area.
6. Bend, Oregon
Why it stands out: Bend offers a dramatic landscape—high desert, pine forests, and the Cascade Mountains. The city’s population growth has spurred a steady rise in amenities, yet the cost of living remains relatively affordable for retirees.
Highlights: - Outdoor Activities: Biking, skiing, and hiking are abundant, and the city’s climate is mild enough for year‑round activity. - Healthcare: The Bend‑Warrenton Health system provides comprehensive geriatric care. - Community: A growing senior housing market and a community center dedicated to retirees make integration easy. - Cost: Median home price is about $300,000, below the Oregon average.
Follow‑up Link: The article linked to the Oregon Health Authority’s “Health Outcomes” report, which lists Bend as a top city for chronic disease management.
7. Madison, Wisconsin
Why it’s worth the Midwest: Madison is a city of lakes, universities, and progressive health policies. Its low crime rate, excellent public schools, and an aging‑friendly infrastructure make it a standout.
Key Features: - Healthcare: The UW Health system is nationally renowned, with a dedicated geriatric medicine department. - Culture: The city hosts a variety of festivals, including the Madison International Film Festival, which keep retirees culturally engaged. - Cost of Living: Affordable housing and moderate property taxes create an overall low expense profile. - Community: The Madison Senior Center offers classes, volunteer opportunities, and health screenings.
Follow‑up Link: Readers were directed to the Wisconsin Health Care Association’s list of top health care providers in the state.
8. Sarasota, Florida
Why it’s a southern favorite: Sarasota’s beaches, mild winters, and rich cultural scene are a perfect blend for retirees. The city has a relatively high median home price, but the lack of state income tax and low property tax rates keep it financially sensible.
Highlights: - Healthcare: Sarasota Memorial Hospital is rated among the best in Florida for geriatric care. - Lifestyle: A thriving arts community—including the John and Mable Ringling Museum—offers continuous engagement. - Climate: A warm, dry climate is ideal for retirees who prefer mild weather. - Community: The Sarasota Senior Center hosts numerous programs and social events.
Follow‑up Link: The feature cited the Florida Department of Health’s “Senior Wellness Index” to support Sarasota’s ranking.
9. Boise, Idaho
Why it’s gaining traction: Boise’s fast‑growing tech scene and high quality of life have earned it a place on the retirees’ radar. Its affordable housing and excellent healthcare network make it a practical choice.
Key Points: - Healthcare: Boise Valley Medical Center offers strong geriatric services. - Outdoor Life: Hiking, boating, and skiing are all close by, and the Boise River Trail provides an easy daily exercise route. - Community: Boise has a burgeoning senior living community, complete with clubs and volunteer opportunities. - Cost of Living: Median home prices hover around $350,000—moderate compared to many West Coast retirees’ destinations.
Follow‑up Link: The article linked to the Idaho Department of Health and Welfare’s “Senior Health” data for deeper analysis.
10. Santa Fe, New Mexico
Why it’s a unique choice: Santa Fe’s cultural richness, historic adobe architecture, and year‑round mild climate make it an attractive haven for retirees who want a distinctive lifestyle.
Highlights: - Healthcare: The Santa Fe Regional Health System has a dedicated geriatric department. - Culture: Art galleries, museums, and the annual Santa Fe Film Festival create a bustling creative scene. - Climate: Santa Fe’s high elevation means cooler summers and mild winters, great for retirees sensitive to heat. - Community: Santa Fe’s “Senior Services Center” offers health screenings, fitness classes, and social events.
Follow‑up Link: The feature referenced the New Mexico Department of Health’s “Senior Care” report, which cites Santa Fe as a leader in preventive health.
How the Editors Built the List
Travel + Leisure’s methodology combined quantitative data with qualitative insights:
- Cost‑of‑Living Analysis – Median home prices, average utilities, and grocery costs were sourced from the U.S. Census Bureau and Zillow.
- Healthcare Evaluation – The American Hospital Directory’s quality ratings and the Centers for Medicare & Medicaid Services’ Hospital Compare data were consulted.
- Climate and Weather Scores – Climate data from the National Oceanic and Atmospheric Administration (NOAA) helped evaluate temperature, precipitation, and seasonal comfort.
- Community Engagement – Data from local senior centers, volunteer organizations, and civic engagement studies were included to gauge social opportunity.
- Tax Considerations – State and local tax data were pulled from the Tax Foundation to illustrate pension and retirement income implications.
In addition, the editors added “Quick‑Facts” boxes for each city, summarizing median age, percentage of population over 65, and average cost of living index. They also incorporated “What Residents Say” testimonials sourced from local newspapers and retiree forums, giving readers first‑hand perspectives on everyday life.
Practical Takeaways for the Middle‑Class Retiree
- Balance Affordability and Quality: Cities like Asheville and Chattanooga demonstrate that you can have both low housing costs and high‑quality medical care.
- Consider Taxes Early: Texas and Florida remain popular for their lack of state income tax, but keep in mind that property taxes can offset savings.
- Leverage Climate – If you’re prone to heat‑related health issues, cities with mild summers—such as Boise or Santa Fe—may be preferable.
- Explore Community Life – The presence of active senior centers, volunteer opportunities, and cultural events can be just as important as financial considerations.
- Future‑Proof Your Choice – Look at cities with growing economies and solid infrastructure; these are more likely to maintain quality of life in the coming years.
Final Thoughts
Retirement is a time to enjoy the fruits of a lifetime of work. Choosing the right city can significantly influence how those years unfold—affecting finances, health, and happiness. Travel + Leisure’s comprehensive list offers a roadmap for middle‑class retirees, focusing on cities that blend affordability, medical access, cultural richness, and community support. By following the links and diving into the supplementary data, readers can make an informed decision that balances their budget with their desire for a vibrant, secure, and fulfilling retirement lifestyle.
Read the Full Travel + Leisure Article at:
[ https://www.travelandleisure.com/best-city-for-middle-class-retirees-11854336 ]
