Best Places to Retire on Social Security

This ranking is designed for readers who need a place to work on a more fixed monthly budget, not just look good on a broad lifestyle score.

How to read this ranking

Use this ranking when retirement income flexibility matters more than prestige markets. It is meant to surface places where the math may work better, not just where the climate looks attractive.

Learn about the methodology

Top places in this ranking

#1
County · Florida
Affordability: Around averageRetiree Fit: StrongHealthcare Access: Around average

Charlotte County is a stronger fit for retirees who prioritize climate comfort and retiree-friendly living, but it is less appealing for those who want lower coastal risk or a much cheaper Florida option.

Social Security Score
86
Strong
#2
County · Florida
Affordability: Below averageRetiree Fit: StrongHealthcare Access: Above average

Sarasota County is a stronger fit for retirees who prioritize mild weather and retiree-friendly living, but it is less appealing for those who prioritize lower housing costs or lower hazard exposure.

Social Security Score
85
Strong
#3
County · South Carolina
Affordability: Below averageRetiree Fit: StrongHealthcare Access: Around average

Beaufort County stands out for climate comfort and retiree fit, though cost and coastal risk are meaningful drawbacks.

Social Security Score
84
Strong
#4
Metro · Florida
Affordability: WeakRetiree Fit: StrongHealthcare Access: Above average

Naples stands out for climate comfort, healthcare access, and retiree-oriented living, though cost and coastal risk are significant tradeoffs.

Social Security Score
84
Strong
#5
Metro · Florida
Affordability: Below averageRetiree Fit: StrongHealthcare Access: Above average

Sarasota-Bradenton stands out for climate comfort and retiree fit, though affordability and coastal risk remain meaningful drawbacks.

Social Security Score
84
Strong
#6
County · Florida
Affordability: WeakRetiree Fit: StrongHealthcare Access: Above average

Collier County stands out for climate comfort and healthcare access, though high housing costs are a meaningful drawback.

Social Security Score
83
Strong
#7
County · Florida
Affordability: Above averageRetiree Fit: StrongHealthcare Access: Around average

Citrus County stands out for retiree fit and comparatively manageable Florida housing costs, though healthcare access is more limited than in larger markets.

Social Security Score
82
Strong
#8
County · Florida
Affordability: Below averageRetiree Fit: StrongHealthcare Access: Above average

Indian River County is a stronger fit for retirees who prioritize mild winters and retiree-oriented living, but it is less appealing for those who prioritize lower coastal risk or lower housing costs.

Social Security Score
82
Strong
#9
Metro · Florida
Affordability: Around averageRetiree Fit: StrongHealthcare Access: Around average

Punta Gorda stands out for climate comfort and retiree fit, though coastal risk remains the clearest tradeoff.

Social Security Score
82
Strong
#10
County · North Carolina
Affordability: Around averageRetiree Fit: StrongHealthcare Access: Around average

Brunswick County is a stronger fit for retirees who prioritize retiree-friendly coastal living and mild weather, but it is less appealing for those who want stronger healthcare depth or lower coastal risk.

Social Security Score
81
Strong
#11
Metro · Arizona
Affordability: Around averageRetiree Fit: StrongHealthcare Access: Around average

Prescott Valley-Prescott is a stronger fit for retirees who prioritize climate comfort, cleaner air, and retiree-oriented living, but it is less appealing for those who want a lower-cost Arizona option.

Social Security Score
81
Strong
#12
Metro · Massachusetts
Affordability: Below averageRetiree Fit: StrongHealthcare Access: Above average

Barnstable Town is a stronger fit for retirees who prioritize retiree fit, coastal New England living, and moderate summer weather, but it is less appealing for those who prioritize lower housing costs.

Social Security Score
81
Strong
#13
County · Arizona
Affordability: Around averageRetiree Fit: StrongHealthcare Access: Around average

Yavapai County is a stronger fit for retirees who prioritize climate comfort, cleaner air, and retiree-friendly living, though affordability is more of a tradeoff than in cheaper inland alternatives.

Social Security Score
80
Strong
#14
County · South Carolina
Affordability: Around averageRetiree Fit: StrongHealthcare Access: Around average

Horry County is a stronger fit for retirees who care about mild winters and retiree-oriented coastal living, but it is less appealing for those who want stronger healthcare depth or lower coastal risk.

Social Security Score
80
Strong
#15
County · Massachusetts
Affordability: Below averageRetiree Fit: StrongHealthcare Access: Above average

Barnstable County is a stronger fit for retirees who prioritize coastal lifestyle, retiree fit, and milder New England weather, but it is less appealing for those who prioritize lower housing costs.

Social Security Score
80
Strong
#16
Metro · Arizona
Affordability: Around averageRetiree Fit: StrongHealthcare Access: Around average

Prescott stands out for retiree fit and climate comfort, though healthcare depth is more limited than in larger metros.

Social Security Score
80
Strong
#17
County · North Carolina
Affordability: Around averageRetiree Fit: Above averageHealthcare Access: Above average

Henderson County is a stronger fit for retirees who prioritize climate comfort and retiree-friendly living, but it is less appealing for those who prioritize lower housing costs.

Social Security Score
79
Above average
#18
County · Delaware
Affordability: Around averageRetiree Fit: Above averageHealthcare Access: Around average

Sussex County is a stronger fit for retirees who prioritize retiree fit and a balanced Mid-Atlantic coastal profile, but it is less appealing for those who want the deepest healthcare market or the lowest coastal risk.

Social Security Score
79
Above average
#19
County · Florida
Affordability: Below averageRetiree Fit: Above averageHealthcare Access: Above average

Manatee County is a stronger fit for retirees who prioritize mild weather and a retiree-friendly Gulf Coast setting, but it is less appealing for those who prioritize lower housing costs or lower coastal risk.

Social Security Score
79
Above average
#20
Metro · South Carolina
Affordability: Around averageRetiree Fit: Above averageHealthcare Access: Around average

Myrtle Beach stands out for climate comfort and retiree fit, though coastal risk is the main long-term tradeoff.

Social Security Score
79
Above average
#21
Metro · Florida
Affordability: Around averageRetiree Fit: Above averageHealthcare Access: Around average

Port St. Lucie stands out for mild weather and retiree fit, though coastal risk remains a meaningful tradeoff.

Social Security Score
79
Above average
#22
Metro · Alabama
Affordability: Around averageRetiree Fit: Above averageHealthcare Access: Above average

Daphne-Fairhope-Foley is a stronger fit for retirees who prioritize coastal lifestyle, mild winters, and retiree fit, but it is less appealing for those who prioritize lower coastal risk.

Social Security Score
79
Above average
#23
County · Virginia
Affordability: Around averageRetiree Fit: Above averageHealthcare Access: Above average

James City County is a stronger fit for retirees who want a balanced, lower-risk profile with solid healthcare access, but it is less appealing for those chasing either the cheapest housing or the mildest winters.

Social Security Score
78
Above average
#24
County · Florida
Affordability: Below averageRetiree Fit: Above averageHealthcare Access: Above average

Lee County is a stronger fit for retirees who prioritize mild winters and retiree-oriented coastal living, but it is less appealing for those who prioritize lower risk or lower housing costs.

Social Security Score
78
Above average
#25
County · Florida
Affordability: Below averageRetiree Fit: Above averageHealthcare Access: Above average

Palm Beach County is a stronger fit for retirees who prioritize amenities, healthcare access, and warm-weather living, but it is less appealing for those who prioritize lower housing costs or lower coastal risk.

Social Security Score
77
Above average

Why these places rank well

Places that rise in this ranking tend to line up better with the priorities emphasized here, even if no place is perfect across every category.

Who this ranking is best for

This ranking is best used as a narrowing tool for retirees who want to compare priorities more directly.

Frequently asked questions

How is this ranking calculated?

This page uses RetireScorecard's current scoring framework and emphasizes the factors most relevant to this ranking type.

Does this ranking include taxes?

Taxes are not a core part of the current launch scoring model.

How to use this ranking

Use this page to build a shortlist, then click into the county, metro, and state pages to understand why those places score well. When two finalists are close, move into a compare page so the tradeoffs are easier to see side by side.

How to use this ranking

Use this page to build a shortlist, then click into the county, metro, and state pages to understand why those places score well. When two finalists are close, move into a compare page so the tradeoffs are easier to see side by side.