These Are the Best and Worst Cities to Retire

Are you already living in one of the top ten?

Photo by Peter Ptschelinzew/Getty Images

Do you ever sit at your desk and dream about where you may relocate after retiring? A new survey by may help narrow your focus.

In a study of nearly 200 cities, the personal finance site examined nine categories—cost of living, climate, heath care cost and quality, taxes, crime, well-being, walkability, and cultural vitality—to determine the top (and bottom) 10 places to retire.

Two destinations in Virginia—Arlington and Alexandria—earned top honors, thanks to high scores in well-being, culture, and health care. Eight out of the 10 bottom spots went to cities in the Northeast, with Niagra Falls, New York being the worst because of cold climates, above average crime rates, and high taxes.

See the best and worst cities below, and visit for the full list of destinations to consider (and to avoid) before you reach retirement.


  1. Arlington, VA
  2. Alexandria, VA
  3. Franklin, TN
  4. Silver Spring, MD
  5. West Des Moines, IA
  6. Nashville, TN
  7. Sarasota, FL
  8. Rockville, MD
  9. Des Moines, IA
  10. Murfreesboro, TN


  1. Niagara Falls, NY
  2. Millford, CT
  3. New Haven, CT
  4. San Bernardino, CA
  5. Cheektowaga, NY
  6. Buffalo, NY
  7. Troy, NY
  8. Worcester, MA
  9. Little Rock, AR
  10. New York City, NY