Retirement is supposed to be the reward phase of life. After decades of work, deadlines, and obligations, the goal is simple: comfort, stability, and peace of mind. For many Americans, that dream includes relocating to a new town—somewhere affordable, safe, and enjoyable.

But here’s the uncomfortable truth: not every popular retirement destination lives up to its marketing.

Low taxes can hide high insurance costs. A “charming” small town might lack adequate healthcare. A sunny beach community may come with hurricane risks, rising property insurance, or overcrowding. The wrong move at retirement age isn’t just inconvenient—it can be financially and emotionally stressful.

Below are 12 towns that often appear on retirement lists but may surprise you for the wrong reasons. This isn’t about declaring any place “bad.” It’s about understanding trade-offs before making one of life’s biggest decisions.