4 Florida Cities Rank Among Best Places to Retire in 2025
Thinking about where to spend your retirement years? You’re not alone—millions of Americans are weighing the same question. A new WalletHub study shows that four Florida cities—Orlando, Miami, Tampa, and Fort Lauderdale—rank among the best places in the nation to retire in 2025.
Why Retirement Decisions Are More Complex Than Ever
It’s no surprise that retirement planning is about more than just sunshine and leisure. A recent Retirement Confidence Survey found that two-thirds of workers and nearly a quarter of retirees worry they won’t have enough money to live comfortably. On top of that, most are concerned about potential changes to the U.S. retirement system, especially since Social Security remains the top source of retirement income.
Financial security is crucial, but experts remind us that retirees must also consider health care, mobility, and community support. The AARP suggests taking a holistic approach: think about your life not just today, but ten years from now. Where will you feel safe, connected, and supported?
One smart tip: before making the big move, try a short-term rental in your target city to get a feel for the lifestyle.
Florida Tops the List
WalletHub compared more than 180 cities across affordability, activities, quality of life, and health care. Florida stood out in a big way, landing four cities in the top seven spots. A major draw? Florida’s tax-friendly status—no state income tax, estate tax, or inheritance tax—making it a haven for retirees.
Orlando (Ranked #1): The study crowned Orlando the best retirement city overall, thanks to its low costs for homemaker and adult day health care services, strong health care facilities, and impressive recreation options. Music venues, art galleries, fishing, and volunteer opportunities make it a hub for staying active.
Miami (Ranked #4): Known for its vibrant culture, beaches, and world-class health care, Miami offers retirees endless activities alongside a diverse community.
Tampa (Ranked #5): With its mix of affordability, strong medical care, and a thriving social scene, Tampa appeals to those seeking balance.
Fort Lauderdale (Ranked #7): A favorite for its waterways, boating lifestyle, and cultural attractions, Fort Lauderdale continues to shine as a retirement hot spot.
Other cities rounding out the top 10 include Scottsdale, AZ; Minneapolis, MN; Atlanta, GA; Cincinnati, OH; Madison, WI; and Casper, WY.
Challenges Retirees Face
Even in top-ranked cities, retirement isn’t without challenges. Rising housing costs, health care expenses, and limited community support services can impact the dream of aging in place. AARP’s Rodney Harrell notes: “One of the biggest challenges we have is making sure we take the future us into account, not just our needs today.”
That means considering how transportation, income, and health care access might change as you age.
The Bottom Line
Florida continues to prove why it’s a retirement magnet. With tax advantages, access to quality health care, and plenty of leisure activities, cities like Orlando, Miami, Tampa, and Fort Lauderdale are more than just sunny escapes—they’re some of the best places to live out your golden years.
Still, retirement planning is deeply personal. Whether you’re relocating or aging in place, the key is balancing your finances, health, and lifestyle so the years ahead are comfortable, fulfilling, and fun.
🌟 Thinking About Retiring in Florida?
If you’re exploring a move to South Florida—or want to make the most of your retirement years right here—let’s connect! I specialize in helping retirees find homes that fit their lifestyle, budget, and long-term plans.
📲 Contact Jessica Imbesi, Broker Associate – Coldwell Banker Realty
Your trusted guide to retirement living in South Florida.
