3. Detroit, Michigan

Detroit has undergone a remarkable revival in recent years. Downtown development, cultural attractions, and new businesses have reshaped its image.

Still, retirees should weigh the broader picture. Property taxes can be high, winter weather is long and harsh, and certain neighborhoods continue to struggle with crime and infrastructure challenges.

Detroit may appeal to adventurous retirees who want urban energy at a lower cost—but it’s not a quiet, low-maintenance retirement option.