Retirement represents one of life’s most exciting chapters; a time to embrace new adventures, explore different lifestyles, and find happiness in a place that truly feels like home. But with nearly one million people aged 60 and over crossing state lines to make new homes in 2023, the question becomes: where are retirees moving, and what’s driving these significant migration patterns?

As someone planning your golden years or helping clients navigate retirement real estate decisions, understanding current migration trends, popular destinations, and the unique considerations of buying a home in retirement is crucial. This comprehensive guide examines the latest data on where retirees are moving in 2025, explores the factors driving these decisions, and provides actionable insights for your retirement home purchase.

Whether you’re seeking sunshine and tax benefits in Florida, the charm of New England, or considering an international move, this guide will help you make an informed decision that protects both your lifestyle goals and your investment.

2025 Retirement Migration Trends: The Numbers Tell the Story

The Big Picture: Where Are Retirees Moving?

The latest census data reveals fascinating trends in retirement migration. Florida continues to dominate as the most popular destination for U.S. residents aged 60 and over, with a net migration gain of 44,504 residents in 2023, more than double that of North Carolina, which ranked second with just over 20,000.

Meanwhile, California experienced the largest net loss, with 56,858 more people in the retirement age group leaving than moving in. This dramatic shift reflects changing priorities among retirees who are increasingly seeking affordability, tax advantages, and lifestyle improvements.

Top States Where Retirees Are Moving in 2025

Based on the latest migration data, here are the states attracting the most retirees:

1. Florida – Net gain of 44,504 retirees 2. North Carolina – Net gain of over 20,000 retirees
3. Texas – Consistent top performer for retirement migration 4. Arizona – Southwestern appeal continues strong 5. Tennessee – Growing retirement haven 6. South Carolina – Tax-friendly policies attract retirees 7. Nevada – No state income tax draws retirees 8. Delaware – Favorable tax environment 9. New Hampshire – Ranked #1 overall best state to retire in 2025 by Bankrate 10. Maine – Strong showing with 23% of residents age 65 or older

States Losing the Most Retirees

Understanding which states retirees are leaving is equally important:

States with Largest Net Losses:

  • California: -56,858 retirees
  • New York: Significant outmigration continues
  • Illinois: High taxes drive retirees away
  • New Jersey: Cost of living concerns
  • Connecticut: Tax burden impacts retirement decisions

Why Are Retirees Moving? Key Motivating Factors

Financial Considerations Drive Many Decisions

Federal and State Tax Considerations

Federal Benefits and Social Security Understanding how Social Security benefits work across state lines is crucial for retirement planning. The Social Security Administration provides comprehensive guidance on retirement benefits, while your my Social Security account allows you to estimate benefits and manage your account online.

State Tax Implications State taxes on retirement income vary dramatically. According to IRS guidance for seniors and retirees, you’ll want to understand how different types of retirement income are taxed. Some key considerations include:

  • States with no income tax: Alaska, Florida, Nevada, South Dakota, Tennessee, Texas, and Wyoming
  • States that don’t tax Social Security: Most states don’t tax Social Security benefits, but nine states do with varying exemption levels
  • Pension taxation: Varies significantly by state, with some offering full exemptions and others taxing retirement distributions

Estate and Inheritance Taxes AARP’s comprehensive tax guide for moving retirees highlights that estate and inheritance taxes can vary substantially by state, affecting your long-term estate planning strategies.

Cost of Living Factors Housing affordability plays a crucial role in retirement decisions. Among retirement moves in 2024, 8.3% moved for cheaper housing and 7.2% sought new or better housing. This trend reflects retirees’ desire to maximize their fixed incomes while potentially accessing better amenities.

Lifestyle and Health Considerations

Climate Preferences Climate preferences motivated 4.5% of retirement moves, with many retirees seeking warmer weather year-round. However, surprising trends show four New England states in the top 10 best retirement destinations, with strong performances in healthcare, safety, recreation, and walkability.

Healthcare Infrastructure in Popular Retirement Destinations

Medicare Considerations When Moving Healthcare access becomes increasingly important with age, and moving can affect your Medicare coverage. While Original Medicare (Parts A and B) works nationwide, Medicare Advantage and Part D prescription plans are location-specific, according to official Medicare guidance.

Key Healthcare Resources:

Healthcare Quality Assessment States like New Hampshire and Maine excel in healthcare access and quality, making them attractive despite less favorable weather conditions. Research local hospital systems, specialist availability, and senior-focused services when evaluating potential destinations.

Family Connections Family reasons closely followed health reasons as motivations for retirement moves, highlighting the importance of staying connected with loved ones during retirement years.

Top Retirement Destinations by Region

Southeast: The Traditional Retirement Belt

Florida: The Perennial Favorite Florida’s dominance in retirement migration isn’t accidental. Beyond tax advantages, the state boasts the second-most shoreline miles in the country, ranks second in adult volunteer activities, fifth in theater companies, and seventh in golf courses and country clubs.

Popular Florida Retirement Markets:

  • St. Petersburg: Consistently ranks in top cities for retiree net migration
  • Naples: Upscale retirement living
  • Sarasota: Cultural amenities and healthcare
  • The Villages: Largest retirement community in the world

North Carolina: Growing Appeal North Carolina offers a compelling combination of moderate climate, lower cost of living, and diverse geography from mountains to coast. The Research Triangle area provides excellent healthcare, while coastal areas like Wilmington offer beach living at lower costs than Florida.

South Carolina: Tax-Friendly Haven South Carolina’s retirement appeal includes:

  • No tax on Social Security benefits
  • Retirement income deduction for those 65+
  • Lower property taxes
  • Mild coastal and mountain climates

Southwest: Desert Living and Tax Benefits

Arizona: Southwestern Appeal Mesa, Arizona, gained the most retirees in the SmartAsset study with a net gain of 2,044. Arizona attracts retirees with:

  • Dry climate is beneficial for certain health conditions
  • No tax on retirement income from pensions and 401(k)s
  • Strong healthcare systems in Phoenix and Tucson
  • Active outdoor lifestyle opportunities

Nevada: No Income Tax Advantage Nevada’s lack of state income tax, combined with proximity to California amenities without California taxes, makes it increasingly attractive. Las Vegas and Reno offer urban amenities with retirement-friendly policies.

Texas: Big State, Big Appeal. Texas combines no state income tax with diverse living options from urban centers like Austin and Dallas to smaller retirement communities. The state’s size means varied climates and cost of living options.

Surprising New England Success

New Hampshire: #1 Overall for Retirement New Hampshire topped Bankrate’s 2025 rankings due to strong performances in affordability (14th), safety, healthcare, and arts, despite ranking 40th for weather. The state offers:

  • No state income tax (except 3% on interest and dividends)
  • Low crime rates
  • Excellent healthcare systems
  • Strong senior safety ratings

Maine: Community and Safety Focus Maine leads with 23% of residents age 65 or older and ranks second in neighborhood safety. The state attracts retirees seeking:

  • Strong sense of community
  • Low violent crime rates
  • Beautiful coastal and mountain scenery
  • Four-season recreation opportunities

International Retirement Destinations: Expanding Horizons

Growing Trend of International Retirement

A growing number of Americans are choosing to live their golden years outside the US, attracted by sunshine, lower cost of living, and a change of lifestyle. This trend reflects retirees’ desire to maximize their retirement dollars while experiencing new cultures.

Top International Retirement Destinations for 2025

Panama: Best Retirement Visa

Panama topped International Living’s Annual Global Retirement Index as the world’s best retirement destination for 2025, featuring what experts call “the best retiree visa in the world.” Benefits include:

  • Straightforward visa process for retirees
  • Excellent quality of life at affordable costs
  • Good value for money compared to U.S. living
  • Established English-speaking expat communities

Mexico: Proximity and Affordability

Mexico consistently ranks in the top 5 international retirement destinations, offering unique advantages for U.S. retirees:

  • No inheritance or wealth tax
  • Tax residency based on primary residence, not days in the country
  • Thriving English-speaking expat communities
  • Access to familiar services and strong healthcare systems in major cities

Visa Information: U.S. citizens can remain in Mexico for up to 180 days with a visitor’s permit, with longer-term residence options available for those who can demonstrate financial stability.

Malaysia: Exceptional Value

Malaysia ranked seventh on International Living’s 2025 rankings, offering what experts describe as “truly extraordinary” value for money, making it ideal for retirees looking to significantly stretch their retirement dollars while maintaining a comfortable lifestyle.

Real Estate Considerations for Retirement Home Buying

Understanding Retirement-Specific Housing Needs

Accessibility and Aging in Place. When buying a retirement home, consider future mobility needs:

  • Single-floor living options
  • Accessible bathroom features
  • Wider doorways and hallways
  • Minimal exterior maintenance requirements

Community Amenities Look for neighborhoods offering:

  • Healthcare facilities within a reasonable distance
  • Public transportation options
  • Senior-focused recreation centers
  • Social engagement opportunities

Financial Planning for Retirement Real Estate

Budget Considerations Beyond Purchase Price: Retirement home buying requires comprehensive financial planning:

Property Taxes: Vary significantly by state and locality. Some states offer senior exemptions or freezes on property tax assessments.

Insurance Costs: Climate risk, natural disasters, and local crime rates affect homeowner’s insurance premiums. Florida’s hurricane risk or California’s wildfire exposure can significantly impact costs.

Maintenance and Utilities: Consider ongoing costs, especially in older homes or extreme climates requiring significant heating/cooling.

HOA and Community Fees: Many retirement communities have substantial monthly fees that must be factored into budget planning.

Working with Real Estate Professionals

Professional Support for Senior Relocations

AARP Resources and Support AARP offers comprehensive retirement planning resources, including tools for evaluating retirement destinations and managing the practical aspects of relocation. Their pre-retirement planning guide provides step-by-step advice for the years leading up to your move.

Specialized Moving Services Consider working with certified senior move managers who specialize in helping older adults with the complexities of relocation. The National Association of Senior & Specialty Move Managers can help you find qualified professionals in your area.

Financial Planning Support Consult with financial advisors who understand retirement-specific considerations. The AARP Financial Planning resources provide tools for calculating retirement income needs and tax implications of relocating.

Questions to Ask Your Realtor

  1. What are the long-term development plans for this area?
  2. How do property taxes compare to other retirement-friendly locations?
  3. What healthcare facilities are within reasonable distance?
  4. Are there senior-specific services and amenities nearby?
  5. What is the community’s demographic profile?

Home Features That Matter Most to Retirees

Essential Interior Features

Kitchen Accessibility

  • Counter heights suitable for seated use
  • Easy-to-reach cabinets and storage
  • Non-slip flooring
  • Good lighting for food preparation

Bathroom Safety

  • Walk-in showers or tubs
  • Grab bars or potential for installation
  • Non-slip surfaces
  • Adequate lighting

General Accessibility

  • Minimal stairs or single-level living
  • Wide doorways (36 inches minimum)
  • Lever-style door handles
  • Good lighting throughout

Exterior Considerations

Low-Maintenance Landscaping

  • Native plants requiring minimal water and care
  • Automated irrigation systems
  • Minimal lawn area requiring mowing
  • Professional landscaping services available

Climate-Appropriate Features

  • Energy-efficient HVAC systems
  • Adequate insulation for local climate
  • Storm protection (hurricane shutters, safe rooms)
  • Covered outdoor living spaces

Avoiding Common Retirement Home Buying Mistakes

Rushing the Decision

Unlike traditional home purchases, retirement home buying should involve:

  • Extended visits during different seasons
  • Thorough investigation of local healthcare
  • Understanding of tax implications
  • Assessment of long-term community viability

Ignoring Future Care Needs

Consider proximity to:

  • Assisted living facilities
  • Medical specialists
  • Physical therapy and rehabilitation services
  • Family members who might provide support

Overlooking Total Cost of Living

Beyond housing costs, factor in:

  • State and local tax burdens
  • Healthcare costs and insurance availability
  • Transportation costs and public transit
  • Recreation and lifestyle expenses

The Role of Home Renovation in Retirement Planning

Aging-in-Place Modifications

If you’re considering staying in your current home versus moving, renovation might be the answer. Popular aging-in-place renovations include:

Bathroom Renovations: Converting tubs to walk-in showers, installing grab bars, and improving lighting. Our renovation cost estimator can help you budget for these essential updates.

Kitchen Modifications: Lowering countertops, installing pull-out drawers, and improving accessibility. Understanding renovation return on investment is crucial for retirement planning.

General Accessibility Improvements: Ramp installation, wider doorways, and improved lighting throughout the home.

Buying a Home Needing Updates

Many retirees find value in purchasing homes requiring updates, especially in desirable locations. Key considerations include:

Working with Qualified Contractors: Finding reliable contractors becomes even more important when you’re on a fixed income and timeline.

Managing Renovation Stress: Preventing renovation disasters is crucial for retirees who may have less flexibility with timeline and budget overruns.

Budgeting Accurately: Use professional cost estimation tools to understand true renovation costs before purchase.

Financial Resources and Programs for Retirement Home Buyers

Senior-Specific Mortgage Programs

Senior-Specific Mortgage and Financial Programs

Government-Backed Options: Several programs can help senior home buyers:

  • FHA loans: No age limits, with lower down payment requirements and more flexible credit standards
  • VA loans: Veterans can use VA benefits at any age, often with no down payment required
  • USDA Rural Development loans: For eligible rural and suburban areas, offering 100% financing options

Reverse Mortgages: The Consumer Financial Protection Bureau’s reverse mortgage guide explains how these loans work for homeowners 62 and older, allowing them to access home equity without monthly payments.

Tax Considerations and Incentives

Federal Tax Resources The IRS provides specialized guidance for seniors and retirees, including information about:

  • Retirement account distributions
  • Social Security taxation
  • Special tax forms for seniors (Form 1040-SR)
  • Tax Counseling for the Elderly (TCE) programs offering free tax preparation

State-Specific Benefits Many states offer property tax reductions, homestead exemptions, or income tax breaks specifically for seniors. Research these benefits through your target state’s Department of Revenue or taxation office.

Tax Considerations and Incentives

Homestead Exemptions: Many states offer property tax reductions for seniors, sometimes with income qualifications.

Capital Gains Considerations: Understanding how home sale profits affect taxes, especially when moving between states with different tax structures.

1031 Exchanges: For those treating real estate as investment property, like-kind exchanges might offer tax advantages.

Technology and Modern Conveniences for Retirement Living

Smart Home Features for Seniors

Safety and Security Systems

  • Medical alert systems integrated with home security
  • Smart doorbells with video capability
  • Automated lighting systems
  • Temperature control systems

Health Monitoring Technology

  • Air quality monitors
  • Smart medication reminders
  • Fall detection systems
  • Emergency response integration

Internet and Connectivity

Reliable internet access is crucial for:

  • Telehealth appointments
  • Staying connected with family
  • Online banking and bill paying
  • Entertainment and social engagement

Climate Change and Long-Term Location Viability

Assessing Climate Risks

Natural Disaster Considerations When choosing a retirement location, evaluate long-term risks:

  • Hurricane zones and flooding potential
  • Wildfire risk and air quality concerns
  • Extreme heat and cooling costs
  • Water availability and quality

Insurance Implications Climate risks directly affect insurance availability and costs. Some areas may become uninsurable or prohibitively expensive over time.

Sustainable Communities

Look for communities investing in:

  • Renewable energy infrastructure
  • Water conservation systems
  • Climate-resilient building practices
  • Public transportation options

Healthcare Infrastructure in Popular Retirement Destinations

Evaluating Healthcare Access

Hospital Systems and Specialists Research the quality and availability of:

  • Major medical centers and hospitals
  • Specialist physicians (cardiology, oncology, orthopedics)
  • Emergency services response times
  • Medical research facilities and clinical trials

Senior-Specific Services

  • Adult day care centers
  • Home healthcare agencies
  • Physical therapy and rehabilitation centers
  • Mental health services for seniors

Medicare and Insurance Considerations

Medicare Advantage Plans: Availability and quality vary by location. Some areas have excellent Medicare Advantage options while others are limited.

Supplemental Insurance: Medigap policies and costs can vary by state, affecting your total healthcare expenses.

Building Community in Retirement

Social Engagement Opportunities

Active Adult Communities: Planned communities specifically designed for adults 55+ with amenities like:

  • Golf courses and tennis courts
  • Fitness centers and swimming pools
  • Organized activities and clubs
  • Social centers and event spaces

Traditional Neighborhoods: Some retirees prefer mixed-age communities offering:

  • Diverse social interactions
  • Volunteer opportunities
  • Cultural institutions
  • Walkable amenities

Volunteer and Work Opportunities

Many retirees want to stay engaged through:

  • Part-time work opportunities
  • Volunteer organizations
  • Educational institutions
  • Community service groups

State-by-State Retirement Guide: Deep Dive

Florida: The Gold Standard

Pros:

  • No state income tax
  • Year-round warm weather
  • Extensive retiree infrastructure
  • Diverse geographic options from beaches to inland

Cons:

  • Hurricane risk and insurance costs
  • High summer humidity
  • Crowded during tourist season
  • Higher cost of living in desirable areas

Best Areas for Retirees:

  • Southwest Florida: Naples, Bonita Springs, Fort Myers
  • Central Florida: The Villages, Mount Dora, Winter Haven
  • Northeast Florida: St. Augustine, Fernandina Beach
  • Panhandle: Tallahassee, Pensacola

Texas: Big State, Big Opportunities

Pros:

  • No state income tax
  • Diverse climate and geography options
  • Strong economy and job opportunities for working retirees
  • Lower cost of living in many areas

Cons:

  • Extreme summer heat in many areas
  • Property taxes can be high
  • Hurricane risk along coast
  • Limited public transportation

Best Areas for Retirees:

  • Austin: Cultural amenities, mild climate
  • San Antonio: Historic charm, affordable living
  • Dallas-Fort Worth: Urban amenities, healthcare
  • Hill Country: Georgetown, Fredericksburg

Arizona: Desert Beauty

Pros:

  • Dry climate beneficial for arthritis and respiratory conditions
  • Beautiful desert landscapes
  • No tax on retirement income
  • Strong healthcare systems in major cities

Cons:

  • Extreme summer heat
  • Water scarcity concerns
  • Higher cost of living in popular areas
  • Limited outdoor activities in summer

Best Areas for Retirees:

  • Phoenix Metro: Scottsdale, Mesa, Chandler
  • Tucson: Lower cost of living, university town culture
  • Flagstaff: Mountain living, cooler climate
  • Sedona: Natural beauty, higher cost

North Carolina: Mountain and Beach Options

Pros:

  • Moderate climate with four seasons
  • No tax on Social Security benefits
  • Diverse geography from mountains to coast
  • Lower cost of living than many states

Cons:

  • State income tax on other retirement income
  • Hurricane risk along coast
  • Limited public transportation
  • Seasonal weather variations

Best Areas for Retirees:

  • Asheville: Mountain living, arts culture
  • Charlotte: Urban amenities, healthcare
  • Wilmington: Coastal living, historic charm
  • Raleigh-Durham: Research Triangle, universities

Making Your Final Decision: A Step-by-Step Approach

Phase 1: Research and Planning (6-12 months before move)

Financial Assessment

  1. Calculate total retirement income from all sources
  2. Estimate living costs in potential destinations
  3. Factor in one-time moving costs and real estate transactions
  4. Consult with financial advisor about tax implications

Location Research

  1. Use online resources to compare crime rates, climate, and amenities
  2. Join online forums and social media groups for target areas
  3. Subscribe to local newspapers and media outlets
  4. Research healthcare options and insurance availability

Phase 2: Exploration Visits (3-6 months before move)

Extended Stays

  • Visit during different seasons if possible
  • Stay in various neighborhoods, not just tourist areas
  • Use local services: grocery stores, pharmacies, medical facilities
  • Attend community events and meet potential neighbors

Professional Consultations

  • Meet with local real estate agents
  • Visit healthcare facilities and meet potential doctors
  • Consult with local CPAs about tax implications
  • Tour senior communities and activity centers

Phase 3: Decision and Execution (1-3 months before move)

Final Preparations

  1. Secure financing and work with qualified real estate professionals
  2. Plan your renovation timeline if buying a home needing updates
  3. Research and hire moving companies experienced with senior relocations
  4. Notify relevant parties of address change and transfer services

Settling In

  1. Register with local healthcare providers
  2. Update voter registration and driver’s license
  3. Find local services: banking, pharmacy, grocery
  4. Join community groups and establish social connections

Conclusion: Your Perfect Retirement Destination Awaits

The question “where are retirees moving?” has complex answers that depend on individual priorities, financial situations, and lifestyle preferences. While Florida continues to dominate retirement migration with its tax advantages and lifestyle amenities, surprising trends show growing appeal for New England states that excel in healthcare, safety, and community engagement.

The key to successful retirement relocation lies in thorough research, realistic financial planning, and understanding that the “best” retirement destination is the one that aligns with your specific needs and goals. Whether you’re drawn to Florida’s beaches, Arizona’s desert landscapes, North Carolina’s mountains, or New Hampshire’s small-town charm, the perfect retirement destination offers the right combination of affordability, healthcare access, community, and lifestyle amenities.

Remember that buying a retirement home is different from other real estate purchases. Take time for extended visits, consider long-term care needs, and work with professionals who understand retirement-specific requirements. Your golden years should be spent in a place that brings joy, comfort, and security.

Ready to start your retirement home search? Consider working with real estate professionals who specialize in retirement relocations and understand the unique considerations of senior home buyers. Whether you need home renovations for aging in place or are searching for the perfect move-in-ready retirement home, taking time to plan and research will help ensure your retirement destination truly becomes your haven for the golden years ahead.

Related Articles:

Need Help with Retirement Home Planning? Our network of real estate professionals and licensed contractors specializes in retirement-focused renovations and home purchases. Contact us for recommendations on aging-in-place modifications and retirement-friendly home improvements.

Where Are Retirees Moving in 2025? The Ultimate Home Buyer’s Guide for Your Golden Years was last modified: September 17th, 2025 by Vanessa Gallanti
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Written by Vanessa Gallanti. September 17, 2025

Enthusiast about planning, project management, construction materials and technology, and construction. A civil engineer from Los Andes University and a content writer for Kukun.

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