The 5 Best States for Retirees in 2025

💬 Retiree Perspective:

“We moved to Florida for the taxes—but stayed for the lifestyle. We’re always outside, meeting people, staying active.”
— Barbara & James C., Tampa, FL

Bonus: Florida also ranks high for recreational options, from boating and golfing to arts and culture in cities like Sarasota and Naples.

It’s ideal for retirees looking for a vibrant, vacation-like retirement—especially those who thrive in warm climates and social environments.

#2: Delaware – Tax-Friendly and Underrated

Delaware might not be the first place that comes to mind when thinking about retirement, but in 2025, it’s gaining serious attention for being one of the most tax-friendly states for retirees—with surprisingly low costs and great access to healthcare.

💰 Why Delaware Stands Out:

• No state or local sales tax—helping your dollars go further.

• No tax on Social Security income, and generous deductions on other retirement income.

• Low property taxes and relatively affordable housing.

• Convenient location near major cities like Philadelphia, Baltimore, and D.C., without the big-city costs.

🏥 Healthcare Access:

• Delaware offers top-rated medical centers within short driving distances.

• Seniors benefit from state-sponsored healthcare counseling and active support programs.

“We wanted to stay on the East Coast, but New Jersey was too expensive. Delaware gave us affordability without sacrificing quality of life.”
— Marcus H., Wilmington, DE

If you’re looking for fiscal freedom, great proximity to family, and a slower pace of life—Delaware deserves a serious look.

#3: West Virginia – Low Cost, High Comfort

For retirees who want their money to go further—without sacrificing natural beauty or comfort—West Virginia is a hidden gem. In 2025, it stands out for its affordability, tranquility, and growing efforts to become more retiree-friendly.

🏞️ What Makes It Appealing:

• One of the lowest overall costs of living in the U.S.

• Housing, utilities, and groceries are all significantly below national averages.

• A scenic landscape perfect for hiking, fishing, and enjoying the Appalachian outdoors.

• The state is phasing out taxes on Social Security benefits, making it more attractive for retirees with fixed incomes.

Monthly Cost Comparison Example

“We wanted a peaceful place where we could hike, enjoy the seasons, and not worry about money. West Virginia has delivered.”
— Sharon & Bill M., Morgantown, WV

If you’re drawn to mountain views, small-town charm, and a debt-free lifestyle, West Virginia may be your perfect retreat.

#4: New Hampshire – Quiet, Safe, and Tax-Free

For retirees who value peace of mind, financial freedom, and natural beauty, New Hampshire is a strong contender in 2025. Often overlooked in favor of warmer climates, this state offers a powerful mix of safety, healthcare, and tax advantages.

🛡️ Why It’s a Retiree’s Safe Haven:

• No state income tax and no sales tax—helping you keep more of your money.

• Social Security and retirement income are not taxed.

• Consistently ranked among the safest states in the U.S.

• Access to high-quality healthcare, especially in cities like Concord and Hanover.

🏡 Lifestyle Highlights:

• Four beautiful seasons, including stunning fall foliage.

• Quiet towns and outdoor recreation year-round—from hiking in summer to skiing in winter.

• A strong sense of community and low crime rates.

“We didn’t need tropical heat—we needed peace, safety, and a place where we could walk and live well. New Hampshire gave us all that and more.”
— Derek & Lynn F., Keene, NH

If your ideal retirement includes tranquility, tax relief, and top-tier living standards, New Hampshire is well worth your consideration.

#5: South Carolina – Affordable Living with Coastal Charm

South Carolina continues to rise on the list of retiree favorites in 2025—thanks to its low cost of living, mild climate, and coastal lifestyle. From quiet inland towns to vibrant beach communities, the Palmetto State offers a variety of living options for retirees on any budget.

🌴 Why It’s Ideal for Retirement:

• No tax on Social Security benefits, and partial exemptions on other retirement income.

• Lower property taxes and housing costs compared to national averages.

• A warm, sunny climate with mild winters—perfect for year-round outdoor enjoyment.

• Access to beaches, golf courses, historic towns, and southern hospitality.

🏖️ Top Retirement Spots in SC:

• Greenville – Culture, healthcare, and a revitalized downtown.

• Beaufort – Quaint coastal charm with low-key living.

• Myrtle Beach – Golfing, beach life, and an active 55+ community scene.

“We traded New York winters for South Carolina sunshine—and cut our expenses in half while doing it.”
— Anna P., retired teacher in Charleston, SC

South Carolina is a fantastic choice for retirees who want affordability with flair, combining financial relief with a coastal or countryside lifestyle.

Final Thoughts

Choosing where to retire isn’t just a financial decision—it’s a lifestyle decision. In 2025, states like Florida, Delaware, West Virginia, New Hampshire, and South Carolina are leading the way by offering retirees the best of both worlds: affordability and livability.

Each of these states has its own unique advantages, whether it’s tax savings, mild climates, or access to quality healthcare. The key is to match your personal goals—whether that’s being near the beach, the mountains, or a vibrant small town—to the environment and services that support your next chapter.

“Where you retire can shape how you retire. Choose a state that supports the life you want to live.”

For more insights on where and how to retire smarter, visit RetiredLifeTips.com—your trusted source for help with retiredLife in all its forms, from planning and budgeting to lifestyle inspiration.