At-a-Glance: Comparing Your Relocation Options
When weighing places to retire, comparing the financial and practical realities of different cities helps narrow down your list. Below is a high-level comparison of our eight surprising retirement destinations.
| City & State | State Taxes Social Security? | Overall Vibe | Dominant Healthcare System |
|---|---|---|---|
| Greenville, SC | No | Upscale Southern, Foodie, Walkable | Prisma Health |
| Huntsville, AL | No | Brainy, Booming, Tech-Forward | Huntsville Hospital System |
| Ann Arbor, MI | No (State exempts SS) | Collegiate, Cultural, Four Seasons | Michigan Medicine |
| Roanoke, VA | No | Mountain Charm, Historic, Outdoorsy | Carilion Clinic |
| Tulsa, OK | No | Art Deco, Affordable, Arts-focused | Saint Francis / Ascension |
| Las Cruces, NM | Exempt for most mid-incomes | High Desert, Relaxed, Sunny | Memorial Medical Center |
| Spokane, WA | No (No state income tax) | Riverfront, Nature-centric, 4 Seasons | Providence Sacred Heart |
| Winston-Salem, NC | No | Historic, Innovative, Academic | Atrium Health Wake Forest Baptist |
What to Evaluate Before You Pack Your Bags
A city might look perfect on paper, but a successful relocation requires boots-on-the-ground research. Before you commit to moving your life across state lines, systematically evaluate these key factors:
- Healthcare Network Continuity: Do not assume your current Medicare Advantage or Part D plan will travel with you. Moving out of your plan’s service area usually triggers a Special Enrollment Period, requiring you to select a new plan. Verify that your preferred new doctors accept the plans available in that specific zip code.
- Tax Treatment of All Income: A state might not tax Social Security, but how do they treat 401(k) withdrawals, military pensions, or capital gains? Look at your total tax burden, including local property taxes and sales taxes, to get the true picture of affordability.
- Airport Proximity: If you plan to travel frequently or want family to visit, calculate the real drive time to a major airport. A two-hour drive to a hub can quickly become a barrier to maintaining family connections.
- Aging in Place Infrastructure: Look beyond your current mobility level. Does the city have reliable public transit, robust senior services, and single-story housing stock? Resources like the AARP Livability Index can help you measure a community’s long-term viability for aging. Find more tools for evaluating senior community support at AARP.
- Climate Reality Checks: Spend time in your target city during its worst season. Visit the Southwest in August, or the Midwest in February. You need to know if the extreme months will trap you indoors.
