📊 **多维度评估，揭示宜居退休城市特性**：WalletHub通过对182个城市在活动参与度、生活成本、医疗保健质量以及整体生活质量这四大核心指标进行综合评估，旨在为退休人士提供决策参考。这些指标被赋予了相等的权重，但内部的具体衡量标准（如调整后的生活成本相较于年家庭护理成本）则有不同的侧重，以更全面地反映城市的宜居性。

☀️ **佛罗里达州成为退休热门地，吸引力持续**：在最新的退休城市排名中，佛罗里达州表现尤为突出，占据了最佳退休城市前十名近一半的席位。这反映了该州在吸引退休人士方面持续的优势，可能得益于其温暖的气候、相对较低的生活成本和丰富的休闲活动。

⚠️ **加州城市面临挑战，高成本和医疗成阻碍**：与佛州形成鲜明对比的是，加利福尼亚州的多个城市在“最差退休城市”榜单中名列前茅。高昂的生活成本和相对较弱的医疗保健可及性是导致这些城市排名靠后的主要原因，对退休人士的吸引力大打折扣。

🏙️ **中西部城市崭露头角，多元化选择**：除了南部的热门退休目的地，美国中西部的一些城市也展现出强劲的竞争力，跻身最佳退休城市之列。例如，明尼阿波利斯因其卓越的医疗系统、活跃的老年社区以及对老年人友好的就业市场而备受赞誉，提供了多元化的退休生活选择。

WalletHub ranked 182 cities to find the best and worst ones for retirees in 2025.Activities, affordability, healthcare, and quality of life were the key measurements in ranking.Cities in Florida excelled, while ones in California struggled with high costs and weak healthcare.

When it's time to retire, a lot of older adults migrate south for warmer climates, cheaper housing, and lower taxes.

While southern cities like Naples and Fort Lauderdale often dominate as destinations for retirees, the Midwest has emerged as a favorable landing spot — at least, according to WalletHub.

WalletHub looked at 182 cities and ranked the best places for retirees based on four key measures: activities, affordability, healthcare, and quality of life. Each of those four categories was weighted equally, however, other relevant metrics were used inside each category and weighted differently. For example, adjusted cost of living was weighted higher than annual cost of in-home services within the affordability category.

"Rounding out the top 10 are cities that balance affordability, access to quality care, and vibrant lifestyles," WalletHub writer and analyst Chip Lupo told Business Insider. "These locales all tend to offer a mix of mild weather, strong local economies, and plenty of ways for retirees to stay active and connected."

Unsurprisingly, Florida accounted for nearly half of the top 10 for best cities, while California took up more than half of the spots for the worst cities to retire in.

"On the flip side, the bottom 10 cities face challenges that make retirement less appealing. San Bernardino, California; Stockton, California; and Rancho Cucamonga, California, rank among the lowest because of their high costs of living and weaker healthcare access," Lupo said.

Southern cities had a healthy showing in the top 10, but the Midwest also had a diverse selection of cities toward the top.

"Minneapolis, which ranks third, stands out for its strong healthcare system, active senior community, and welcoming job market for older adults," Lupo said.

Here are the 10 best and 10 worst cities to retire in, according to WalletHub. Median listed home prices are from Realtor.com.

The 10 best cities for retirees

10. Casper, WY

Affordability rank: 1

Healthcare rank: 74

Median listing home price: $345,000

9. Madison, WI

Affordability rank: 107

Healthcare rank: 8

Median listing home price: $420,000

8. Cincinnati, OH

Affordability rank: 104

Healthcare rank: 50

Median listing home price: $295,000

7. Fort Lauderdale, FL

Affordability rank: 79

Healthcare rank: 47

Median listing home price: $599,000

6. Atlanta, GA

Affordability rank: 66

Healthcare rank: 56

Median listing home price: $370,000

5. Tampa, FL

Affordability rank: 45

Healthcare rank: 106

Median listing home price: $469,900

4. Miami, FL

Affordability rank: 76

Healthcare rank: 26

Median listing home price: $625,000

3. Minneapolis, MN

Affordability rank: 96

Healthcare rank: 13

Median listing home price: $329,000

2. Scottsdale, AZ

Affordability rank: 116

Healthcare rank: 40

Median listing home price: $1,100,000

1. Orlando, FL

Affordability rank: 5

Healthcare rank: 14

Median listing home price: $385,000

The 10 worst cities for retirees

10. Bridgeport, Connecticut

Affordability rank: 175Healthcare rank: 11Median listing home price: $360,000

9. Salem, Oregon

Affordability rank: 127Healthcare rank: 146Median listing home price: $485,000

8. Pearl City, Hawaii

Affordability rank: 180Healthcare rank: 104Median listing home price: $622,000

7. Fontana, California

Affordability rank: 172Healthcare rank: 147Median listing home price: $669,000

6. Fresno, California

Affordability rank: 125Healthcare rank: 144Median listing home price: $410,000

5. Newark, New Jersey

Affordability rank: 156Healthcare rank: 134Median listing home price: $419,900

4. Bakersfield, California

Affordability rank: 113Healthcare rank: 169Median listing home price: $420,000

3. Rancho Cucamonga, California

Affordability rank: 163Healthcare rank: 128Median listing home price: $799,000

2. Stockton, California

Affordability rank: 133Healthcare rank: 157Median listing home price: $454,900

1. San Bernardino, California

Affordability rank: 157Healthcare rank: 174Median listing home price: $515,000