Retirement is a phase of life we all hope to reach one day. In exchange for your 9-to-5 job, you get more time to spend with your grandchildren, travel to exotic destinations, and kick back in a hammock with a good book.

While coming up with your bucket list may be easy, deciding where to live during your golden years can be more difficult. Luckily, the folks at U.S. News and World Report analyzed and compiled data from the 150 largest metropolitan areas in the United States to create an exhaustive list of the best places to retire in 2020-21. After assessing the happiness of residents, affordable housing, tax rates, and health care quality, their experts ranked how well these cities meet the needs of retirees.

It shouldn’t come as a surprise that cities in Florida dominate the list; the Sunshine State is one of the most tax-friendly in the country. As Kiplinger explains, retirees flocking to Florida benefit from a lack of state income tax, allowing them to keep more of their Social Security benefits, pensions, IRAs, etc. And as an added bonus, the weather is warm year-round.

There are a few interesting additions to the list that are outside of Florida, too. Check out the rankings below and start planning your retirement today.

10. Melbourne, FL
7.1 Overall Score

Melbourne Florida

If you’re a retiree who loves aviation, look no further than Melbourne, located on Florida’s Space Coast. With close proximity to the Kennedy Space Center and the Cape Canaveral Air Force Station, residents can experience the cosmos as they take in awe-inspiring shuttle launches on clear days. Back on Earth, Melbourne offers exposure to stunning wildlife, such as manatees, and access to a variety of outdoor activities like boating, kayaking, and fishing.

9. Miami, FL
7.1 Overall Score

Coral Gables Florida

Miami immediately conjures images of Art Deco architecture, pastel color palettes, and a 24-7 party atmosphere; however, there are plenty of quieter communities away from the hustle and bustle of South Beach, such as Coral Gables (pictured) and Doral. For retirees who seek a diverse community and scenic surroundings, Miami is the perfect destination.

8. Asheville, NC
7.1 Overall Score

Asheville North Carolina

Nicknamed “The Land of the Sky,” Asheville is a nature-lover’s paradise. With easy access to the Blue Ridge Mountains and the Nantahala National Forest, retirees will never grow old of the sunsets here. Housing is affordable as well (7.2 out of 10), but there’s one property that is probably out of your price range: The Biltmore. Luckily, you can tour the largest privately-owned home in the United States.

7. Ann Arbor, MI
7.2 Overall Score

Ann Arbor Michigan

When you think of Ann Arbor, you probably think “college town” due to the University of Michigan, but retirees living in “Tree Town” have access to great health care (8.3 out of 10) along with all the benefits of living in a charming, midwestern city—just make sure you invest in a good snow shovel. Go Blue!

6. Ocala, FL
7.3 Overall Score

Ocala Florida

Located in central Florida between a college town (Gainesville) and Disney World (Orlando) is Ocala, where housing is affordable (7.7 out of 10) and horse racing is king. If you decide to call Ocala home, keep an eye out for John Travolta, who lives in the area.

5. Lancaster, PA
7.4 Overall Score

Lancaster Pennsylvania

You won’t get year-round sunshine in Lancaster as you do in Florida, but with the highest health care score (9.2 out of 10) in the top 10, this city—located about an hour outside of Philadelphia—is an attractive destination for retirees.

4. Naples, FL
7.4 Overall Score

Naples Florida

According to the United States Census, the population of Naples increased by more than 13 percent between 2010 and 2019, and more than 52 percent of the population is age 65 or older. Known as the “Golf Capital of the World,” Naples also boasts some of the best beaches in Florida.

3. Port St. Lucie, FL
7.4 Overall Score

Port St Lucie Florida

Midway between Miami and Orlando, Port St. Lucie sits on the Atlantic coast with a population of just under 200,000. The St. Lucie River is ideal for retirees who enjoy boating or fishing, and those from the New York area will be happy to know the New York Mets play their Spring Training games at Clover Park, just west of the downtown area.

2. Fort Myers, FL
7.4 Overall Score

Fort Myers Florida

Nestled along the Gulf Coast, Fort Myers ranks as one of the top Florida cities with the most annual sunshine. It was also a favored retreat for two historically-famous snowbirds, Thomas Edison and Henry Ford, whose homes in the area you can still visit today.

1. Sarasota, FL
7.6 Overall Score

Saratoga Florida

Located about an hour from Tampa, Sarasota is known for its white-sand beaches and vibrant art community. With an average temperature of 72.6 degrees, it’s easy to see why retirees love the ‘Circus City’ and why it’s been a mainstay in the rankings, finishing second last year to Fort Myers.

CaptionCall Is Your Advocate, Even in Retirement

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To learn more, visit or dial 1-877-865-9228.