As of 2025, the best and worst states for retirement have shifted slightly due to changes in cost of living, healthcare quality, and climate considerations.

Best State to Retire: Florida

• Pros:
  • No state income tax
  • Warm climate year-round
  • Excellent healthcare facilities
  • Diverse retirement communities
• Cons:
  • Hurricane risk
  • High insurance costs in some areas

Runner-up: Arizona

• Pros:
  • Low cost of living
  • Dry, warm climate
  • Abundance of outdoor activities
• Cons:
  • Extreme summer heat
  • Water scarcity concerns

Worst State to Retire: Alaska

• Cons:
  • High cost of living
  • Harsh winters
  • Limited healthcare access in rural areas
• Pros:
  • Beautiful natural scenery
  • No state income tax

Factors to consider when choosing a retirement location include cost of living, healthcare quality, climate, tax burden, and personal preferences. Always research thoroughly and possibly visit potential locations before making a decision.