Retirement is a time to relax, enjoy new experiences, and—most importantly—choose a place that suits your lifestyle. At 55places.com, we’ve identified the best states to retire to. From tax breaks to outdoor adventures, these states offer a combination of affordability, quality of life, and ample opportunities for fun and relaxation.
Here’s our list, along with insights from Khadeejah Johnson, Senior Director of Brokerage Operations at 55places.com, and Chad Walker, Vice President of Sales at 55places.com.
1. Delaware: The Top Choice for Retirees
Delaware stands out as the best state for retirees in 2025, thanks to its incredibly tax-friendly environment. The state does not impose any state or local sales tax, which means you can stretch your retirement income further. Additionally, Delaware offers low income taxes, making it a haven for those looking to keep more of their hard-earned savings. The state’s charming coastal towns, rich history, and peaceful lifestyle also make it a top pick for retirees seeking a relaxed, yet convenient, way of life.
Khadeejah Johnson explains:
“Delaware is often overlooked, but its tax benefits make it a clear winner for retirees. With no sales tax and low income taxes, it helps seniors keep more money in their pockets to enjoy their golden years.”
2. Colorado: A Dream for Outdoor Enthusiasts
If staying active in retirement is important to you, Colorado is an ideal state to consider. Known for its breathtaking Rocky Mountain landscapes, Colorado offers a wealth of outdoor activities like hiking, skiing, and mountain biking. With a mild climate in many regions and an abundance of natural beauty, retirees who love the outdoors will find plenty to explore.
Chad Walker highlights:
“Colorado provides the perfect backdrop for retirees who want to stay physically and mentally active. Whether you love the mountains or simply enjoy walking through the scenic trails, this state has endless opportunities for adventure.”
3. Florida: The Sunshine State for Retirement
Florida has long been a retirement haven, and it continues to be a top choice in 2025. With no state income tax, the state boasts a tax-friendly environment, which is especially beneficial for retirees on a fixed income. Additionally, Florida’s warm climate, stunning beaches, and vibrant retirement communities make it a welcoming destination for those seeking both relaxation and social opportunities.
Khadeejah Johnson shares:
“Florida’s tax advantages and abundance of 55+ communities make it a standout choice. The state also has an incredibly affordable cost of living compared to many other coastal areas in the U.S. It’s a great place to retire without breaking the bank.”
4. North Carolina: A Beautiful Blend of Nature and Culture
North Carolina is a great state for retirees looking for a balance of cultural experiences and outdoor activities. With its temperate climate, breathtaking mountains, and charming coastal towns, North Carolina offers a variety of landscapes and opportunities for relaxation. The state also has a lower cost of living and a welcoming, laid-back atmosphere that many retirees appreciate.
Chad Walker notes:
“North Carolina is increasingly popular among retirees because it offers a great blend of affordable living, outdoor activities, and access to health care. Cities like Asheville and Raleigh provide access to cultural amenities without the hustle and bustle of larger metropolitan areas.”
5. Virginia: Ideal for Retirees Seeking Health Care and Stability
Virginia offers a compelling combination of quality health care, tax benefits, and natural beauty, making it an attractive option for retirees. The state does not tax Social Security income, which can be a significant savings for retirees. Additionally, Virginia is home to some of the best hospitals and medical facilities in the nation, ensuring retirees have access to top-tier health care.
Khadeejah Johnson explains:
“Virginia is a prime destination for retirees who prioritize access to excellent health care. With its renowned medical facilities and no tax on Social Security benefits, retirees can rest easy knowing that their health needs will be met.”
Honorable Mentions: Other States Worth Considering
While Delaware, Colorado, Florida, North Carolina, and Virginia top our list, these other states also offer great retirement options:
- Idaho: Perfect for retirees who love the outdoors and no tax on Social Security income.
- New Hampshire: Low crime rate, a large portion of the population is 65+, and a peaceful lifestyle.
- Minnesota: Great health care facilities, below-average cost of living.
- Pennsylvania: Lower cost of living, with many outdoor opportunities.
Choosing the Right Retirement State
Ultimately, the best state for retirement depends on your personal priorities—whether that’s tax benefits, health care access, outdoor activities, or a low cost of living. Khadeejah Johnson sums it up:
“No two retirees are the same, and that’s why it’s so important to weigh your options carefully. Whether you prioritize tax savings or staying active outdoors, these top states offer a great mix of benefits that can make your retirement years more enjoyable.”
By choosing one of these top 5 states, you can create a fulfilling retirement that fits your lifestyle and financial goals. Here’s to a happy and healthy 2025!
