Retirement offers a chance for a whole new life, well-deserved rest after a lifetime of backbreaking work also the time of life when you no longer need to work to live comfortably and can rely on savings or passive forms.
The Best Places To Enjoy Your Retirement 2021-2022, features only locations that offer good retirement value for the buck, high living costs and taxes alone don’t disqualify a city from being considered for this passions list. But we do take more than leisure into account.
We also apply such crucial quality-of-life metrics as the availability of doctors, the serious crime rate, air quality—and importantly, susceptibility to natural disasters and climate change. This last concern axed a number of big cities that made earlier leisure pursuit lists, produced before we applied a climate screen, including New York, Los Angeles, San Francisco and Seattle as well as beach towns such as Sarasota, Fla.
1. Ann Arbor, Michigan
The opportunity for lifelong learning at top-tier University of Michigan is only one of the many draws of this buzzy college town 30 miles west of Detroit. There’s also a robust arts/culture and dining scene and upwards of 70 golf courses within 20 miles. The city has a high ratio of physicians per capita, good air quality and is very walkable and bikeable. Serious crime is low and so is the risk for natural hazards and climate change according to studies by FEMA and the University of Notre Dame. Elevation is 850 feet. There is no state income tax on Social Security income, and there’s a partial break on other retirement income. One downside: cold winters.
2. Annapolis, Maryland
With water on three sides, including the Chesapeake Bay, this charming state capital city 30 miles east of Washington, D.C., is a big draw for those who fancy boating, fishing and kayaking. There are even a dozen or so boating schools. Plus, there’s a strong volunteering culture.
At an elevation of 40 feet, Annapolis is also a very walkable and bikeable town with good air quality, and relatively low risk from natural hazards, according to FEMA. One downside: a serious crime rate above the national average. Another is that Maryland has both a state estate and an inheritance tax. It does, however, exempt Social Security benefits and a certain amount of private pension income and withdrawals from 401(k) accounts (but not IRAs) from the state income tax.
Given its great location and amenities, the cost of living in Annapolis, MD is higher than many other locales, but it’s definitely in line with most major Maryland cities. … The average cost for a one-bedroom apartment in Annapolis is $1,784 per month and the median cost for a home is $417,000.
3. Asheville, North Carolina
Nestled in the Blue Ridge Mountains of Western North Carolina, Asheville is perhaps best known as the location of George Vanderbilt’s Biltmore Estate and the home of major American novelist, Thomas Wolfe.
White: 84.03% Black or African American: 11.23% Two or more races: 1.89% Asian: 1.71%
According to Walkscore, Asheville is one of North Carolina’s most walkable cities, second to Boone and tied with Chapel Hill. What makes a city or neighbourhood walkable? Walkable neighborhoods offer surprising benefits to the environment, our health, our finances, and our communities.
4. Athens, Georgia
This college town has a vibrant arts/culture and dining scene. The University of Georgia hosts an Osher Lifelong Learning Institute, plus offers seniors free admission to regular classes. Nearby terrain offers hiking and mountain biking. Doctors are plentiful, and there is good air quality. The elevation is 600 feet. Georgia doesn’t tax estates or Social Security benefits and offers a generous break for other retirement income. FEMA rates Athens as having a relatively moderate risk for natural hazards. Serious crime is a little above the national average, and the city, while somewhat bikeable, isn’t all that walkable.
5. Austin, Texas
Austin is known for outstanding food, great live music venues, and its general weirdness. Its rapidly rising in popularity as a place to live and visit, thanks to a fantastic culture and friendly locals. There are few remarkable landmarks in Austin.
The FBI’s 2019 NIBRS Crime Data Report ranks Austin as the 11th safest city in the U.S. for crimes against a person. … “What we know is that the facts and the data show Austin to be a very safe city, the safest big city in Texas, and one of the safest, big cities in the country,” Adler said Austin has a humid subtropical climate, which means it has long, hot summers and typically mild winters. In July and August, high temps often top out at around 100 degrees Fahrenheit (38 degrees Celsius), sometimes for several days in a row.
6. Bend, Oregon
Bend is a high desert city, and one of the best places to explore that arid ecosystem is the Oregon Badlands Wilderness. The expansive area includes stunning lava rock formations, old-growth juniper trees and good views of the Three Sisters and buttes to the east.
Bend is a great place to raise a family. If you have kids or plan to have them, Bend is a great place to raise them. Bend is rated among the safest cities in Oregon and is packed to the brim with family-friendly activities and great schools.
Bend is typically a winter wonderland with an average 27 inches of snow each year. Average highs during December and January are right around 40 degrees, and average lows hover in the low 20s. However, night time temperatures can get brutally cold, dropping to -5 to -10 degrees.