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The best places to retire in America are based on these 4 key factors | Fortune Well
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stdDeviation='20'/%3E%3CfeColorMatrix values='1 0 0 0 0 0 1 0 0 0 0 0 1 0 0 0 0 0 100 -1' result='s'/%3E%3CfeFlood x='0' y='0' width='100%25' height='100%25'/%3E%3CfeComposite operator='out' in='s'/%3E%3CfeComposite in2='SourceGraphic'/%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3C/filter%3E%3Cimage width='100%25' height='100%25' x='0' y='0' preserveAspectRatio='none' style='filter: url(%23b);' href='data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABCAYAAAAfFcSJAAAADUlEQVR42mO8fv1mPQAIHAMIsIR6agAAAABJRU5ErkJggg=='/%3E%3C/svg%3E")" sizes="100vw" srcSet="https://fortune.com/img-assets/wp-content/uploads/2024/09/FORTUNE_BPTR-2024_V3.jpg?w=320&q=75 320w, https://fortune.com/img-assets/wp-content/uploads/2024/09/FORTUNE_BPTR-2024_V3.jpg?w=384&q=75 384w, https://fortune.com/img-assets/wp-content/uploads/2024/09/FORTUNE_BPTR-2024_V3.jpg?w=480&q=75 480w, https://fortune.com/img-assets/wp-content/uploads/2024/09/FORTUNE_BPTR-2024_V3.jpg?w=576&q=75 576w, https://fortune.com/img-assets/wp-content/uploads/2024/09/FORTUNE_BPTR-2024_V3.jpg?w=768&q=75 768w, https://fortune.com/img-assets/wp-content/uploads/2024/09/FORTUNE_BPTR-2024_V3.jpg?w=1024&q=75 1024w, https://fortune.com/img-assets/wp-content/uploads/2024/09/FORTUNE_BPTR-2024_V3.jpg?w=1280&q=75 1280w, https://fortune.com/img-assets/wp-content/uploads/2024/09/FORTUNE_BPTR-2024_V3.jpg?w=1440&q=75 1440w" src="https://fortune.com/img-assets/wp-content/uploads/2024/09/FORTUNE_BPTR-2024_V3.jpg?w=1440&q=75"/><div data-cy="caption" class="sc-762dcccc-9 fbephs">To rank the 25 Best Places to Retire Affordably, Fortune assessed over 2,000 cities and nearly 200 data categories across health care, wellness, livability, and financial health. </div><div data-cy="credit" class="sc-762dcccc-10 ebMnGM">Illustration by Studio Muti 2024</div></div></div><div class="sc-9d11c37b-6 ccKQGH trinity-player"><div class="trinity-tts-pb" dir="ltr"></div></div><div class="sc-9d11c37b-1 gGsili"><div class="sc-9d11c37b-2 diFVtX"><div id="article-content" class="sc-9d11c37b-3 bWSPis"><div><div data-cy="article-content" class="rawHtml-content-no-nativo"><p>Linda and Jerry Salzman fell in love with Delray Beach, Florida, back in November 2015. They were “snowbirds”—people from the northeast who spend their winters in Florida to avoid the cold. It wasn’t too long after their first visit that they bought a condo in the charming beach town.</p><div class="paywall-selector"></div><div class="paywall"> <p>After living in New York City and Washington, D.C., the retired couple wanted to settle in a place that would offer them similar opportunities to walk to restaurants, engage in cultural experiences, and feel like a part of a community.</p><div class="related-video-container hidden"><div class="sc-b2504c1d-0 dTxuPI"><div class="sc-c5bbce56-0 ipVLKc"></div><div class="sc-c5bbce56-0 gZwXGO video-placeholder"></div></div></div> <p>“When we hit Delray, it was alive,” Linda, 78, a former owner of a recruitment firm who now paints in her free time, tells <em>Fortune</em>. Jerry, 80, a retired lawyer, audits courses for free at nearby Florida Atlantic University. “It had a mix of young people with kids, college students, young couples.”</p><div data-cy="nativoTout"></div> <p>In awe of the local mom-and-pop stores and thriving restaurant scene, they described Delray, No. 12 on our inaugural list of Best Places to Retire Affordably, as “magical.” During the pandemic, the couple decided to make it their full-time home. </p> <p>“We don’t regret it. We have a great lifestyle,” Linda says. “It’s like being on vacation every day.”</p><div></div> <p><a href="https://fortune.com/well/ranking/best-places-retire-affordably/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/well/ranking/best-places-retire-affordably/">Modern retirement</a> looks very different than it did a generation ago. While it once consisted generally of downsizing and keeping expenses low while enjoying occasional trips and leisure activities—at least for the middle-class—today, because of <a href="https://fortune.com/well/article/live-to-150-aging-researchers/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/well/article/live-to-150-aging-researchers/">increasing lifespan</a>, people want more than affordability. They want to stay active and involved.</p> <p>Not surprising, as a <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC9916207/" target="_blank" class="sc-93594058-0 fowfrQ " aria-label="Go to https://www.ncbi.nlm.nih.gov/pmc/articles/PMC9916207/" rel="noopener">2023 study</a> found that adults who are most satisfied post-retirement are in communities where they are engaged and have a sense of purpose. It’s why so many retirees see it as essential to their quality of life. The <a href="https://www.nia.nih.gov/health/healthy-aging/participating-activities-you-enjoy-you-age" target="_blank" class="sc-93594058-0 fowfrQ " aria-label="Go to https://www.nia.nih.gov/health/healthy-aging/participating-activities-you-enjoy-you-age" rel="noopener">National Institute of Aging</a> says that staying socially active and purposefully engaged in community improves mental and physical health outcomes by reducing <a href="https://fortune.com/well/2023/11/15/loneliness-deadly-visit-family-friends-reduce-risk/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/well/2023/11/15/loneliness-deadly-visit-family-friends-reduce-risk/">social isolation</a>. Further, the strength of someone’s social connections directly impacts their happiness at the end of life, according to the <a href="https://fortune.com/well/2023/01/14/keys-to-happiness-the-good-life/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/well/2023/01/14/keys-to-happiness-the-good-life/">longest study on happiness to date</a>. </p> <p>“Where people live is really important for their experience of aging,” says John Beard, a professor of productive aging at Columbia University’s Robert N. Butler Columbia Aging Center. “It’s never too late to make decisions about where you want to live, but it’s also never too early.”</p> <p>To rank the <a href="https://fortune.com/well/ranking/best-places-retire-affordably/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/well/ranking/best-places-retire-affordably/">25 Best Places to Retire Affordably</a>, we assessed over 2,000 cities and nearly 200 data categories across health care, wellness, livability, and financial health. The winners are relatively affordable, provide robust health care services for older adults, and offer community and walkability. Finally, <em>Fortune</em> considered the percentage of residents who believe their city or town is the perfect place for them.</p> <h2 class="wp-block-heading"><strong>The essential considerations </strong></h2> <p>Retirees are not a monolith, cautions Beard, and what makes a perfect place to call home is deeply personal.</p><div></div> <p>So as you’re thinking about where to retire, consider a number of factors. Does it make sense to settle near your children and grandchildren or near an airport for easy access to visit them? Do you prefer a small town close to a bustling city with a thriving social scene, or is a warm, beachfront locale your ideal? While our list does not encapsulate everything desirable in each place, it does include a mix of places that have a high number of sunny days per year as well as robust access to nature and green spaces. Because whether you desire the mountain views of Lafayette, Colorado or the Atlantic Ocean’s breeze off the coast of Newport, a place that encourages you to stay outside and engaged is essential. </p> <p>For many, retirement is not the end of work, but an opportunity to find and pursue a different type of job, which has financial benefits as well as physical and cognitive ones, too.</p> <p>“We often think about retirement like it’s black and white,” Beard says, while many would be happy to keep working in different ways. “But they don’t want to have the same level of commitment that they had when they were younger.” Our list includes places near major hubs, and also factors in the unemployment rate to determine a place’s financial health. </p> <p>For a city to successfully serve retirees, he adds, it must cater to a diversity of needs and not just to the “generic middle-of-the-box.” To this end, our list heavily considers <a href="https://wellbeingindex.sharecare.com/" target="_blank" class="sc-93594058-0 fowfrQ " aria-label="Go to https://wellbeingindex.sharecare.com/" rel="noopener">Sharecare’s Community Well-Being Index</a>, which accounts for multiple livability measures and social determinants of health, such as access to green spaces, libraries, and healthy food. </p> <p><em>Fortune</em> also considered the percentage of residents who believe their city or town is the perfect place for them.“If you believe something to be true, like this is a perfect place for me, it actually has direct links to your physical health, your attitude, and your overall self-rated health score,” Michael Rickles, the vice president of research at digital health company <a href="https://www.sharecare.com/" target="_blank" class="sc-93594058-0 fowfrQ " aria-label="Go to https://www.sharecare.com/" rel="noopener">Sharecare</a>, tells <em>Fortune</em>. </p> <h2 class="wp-block-heading"><strong>The financial question</strong></h2> <p>Cost considerations are of course a critical factor in deciding when and where to retire. More than half of adults over age 50 worry they will not have enough money for that stage of life, <a href="https://press.aarp.org/2024-4-24-New-AARP-Survey-1-in-5-Americans-Ages-50-Have-No-Retirement-Savings" target="_blank" class="sc-93594058-0 fowfrQ " aria-label="Go to https://press.aarp.org/2024-4-24-New-AARP-Survey-1-in-5-Americans-Ages-50-Have-No-Retirement-Savings" rel="noopener">according to AARP</a>. It’s why financial considerations were factored into the list, using statistics like the percent of residents who agree with the statement, “I have enough money to do everything I want to do,” as well as the percent of residents who have high financial stress risk, average property taxes, and average estimated home value.</p><div></div> <p>Many of the places in our ranking offer their own financial perks. The historical coastal city of Beaufort, South Carolina, for example, which ranks at No.4, has a cost of living that is 3% lower than the national average, and housing prices are 15% lower than the national average.</p> <p>Retirees in Colorado Springs, No. 19, meanwhile, can exclude their Social Security benefits from their taxable income.</p> <p>And there is no state income tax in New Hampshire, Maine, or Washington, which helped boost the cities of Portsmouth, Scarborough, and Maple Valley on our list.</p> <h2 class="wp-block-heading"><strong>The ease of health care access</strong></h2> <p>In our analysis of the Best Places to Retire Affordably, we heavily considered whether a city or town offered access to mental and physical health care resources. Older adults are at an increased risk for a host of chronic conditions, including depression and heart disease, so staying on top of screenings and regular checkups is a crucial part of thriving post-retirement and extending healthspan, which refers to the number of years lived in good health. </p> <p>“There tends to be a pretty strong correlation between longevity and access,” says Rickles. “When we say that you have access, we’re defining it in terms of, you can walk there [or] it’s like a five-minute drive. It makes it more meaningful and relevant.” </p><div></div> <p>Additionally, as more older adults want to age in place and with autonomy, we gave higher ranking to places with strong home health services and plentiful independent living centers.</p> <p><a href="https://fortune.com/company/overstock-com/" target="_blank" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/company/overstock-com/">Beyond</a> accounting for places with access to the brick-and-mortar health care system, our ranking factors in access to resources that will bolster older adults’ social health. Staying engaged and connected <a href="https://fortune.com/well/2023/04/15/older-adults-70s-key-habits-that-keep-them-mentally-sharp/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/well/2023/04/15/older-adults-70s-key-habits-that-keep-them-mentally-sharp/">reduces older adults’ risk for cognitive decline</a> and social isolation, which is linked to a number of conditions, including dementia, heart disease, and stroke. It’s why communities with high walkability, a lower risk of social isolation, and filled with people who have a sense of belonging and pride in their community rose to the top of our list. </p> <p>“As we’re moving toward retirement, that typically corresponds with an increase in sedentary lifestyles, so making sure that you have parks, walking groups, community spaces where you can move and become engaged with others, and facilities that continue to engage you as you transition into a new phase of life, is what we found to be the most important,” Rickles says. </p> <h2 class="wp-block-heading"><strong>A place where you are an active participant </strong></h2> <p>Beard, who founded the World Health Organization’s <a href="https://iris.who.int/handle/10665/43755" target="_blank" class="sc-93594058-0 fowfrQ " aria-label="Go to https://iris.who.int/handle/10665/43755" rel="noopener"><em>Age-Friendly Cities</em>,</a> a global network of 1,600 communities, says the best places to age are not only offering resources for older people but also being mindful of how a place can create meaningful networks across generations. </p> <p>“It’s a community where people of all ages, including older people, are just naturally engaged participants,” he says. Places that have built-in intergenerational activities, events, and spaces, help combat ageism and reimagine what it can look like to grow old. “Older people want to learn, grow and make decisions. Most people value being part of something bigger.”</p><div></div> <p>Finding a strong sense of community, having access to a variety of things to do, and being able to stay socially engaged with people of all different backgrounds are just some of the key components of what makes a best place to retire. </p> <p>And Delray Beach is where the Salzmans have found that.</p> <p>“We made very dear friends,” says Linda, naming perhaps the most priceless perk. “At this age, it’s not easy to make friends.”</p> <p>Read our <a href="https://fortune.com/well/ranking/best-places-families/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/well/ranking/best-places-families/">Best Places to Live for Families</a> here. </p></div><div class="sc-30bdb254-0 kxagCu article" data-cy="subscriptionPlea"><strong><u>For you:</u></strong> <ul> <li><strong>The Well Adjusted newsletter</strong>: <a 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kHgwqz latest-popular-content"><li class="sc-6cf2855c-2 lmrGQL content-wrapper"><span class="sc-6cf2855c-5 gngcCZ time-ago-wrapper">0 minutes ago</span><div class="sc-e3c4bc02-0 dvEGRk content"><div class="sc-e3c4bc02-1 dcxLXD card"><img alt=""Beans reign supreme in the blue zones and are the cornerstone of every longevity diet in the world," writes Dan Buettner, the founder of Blue Zones LLC, and the author of The Blue Zones American Kitchen: 100 Recipes to Live to 100." loading="lazy" width="735" height="490" decoding="async" data-nimg="1" class="card-image" style="color:transparent;height:auto;object-fit:cover;width:100%;background-size:cover;background-position:50% 50%;background-repeat:no-repeat;background-image:url("data:image/svg+xml;charset=utf-8,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 735 490'%3E%3Cfilter id='b' color-interpolation-filters='sRGB'%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3CfeColorMatrix values='1 0 0 0 0 0 1 0 0 0 0 0 1 0 0 0 0 0 100 -1' result='s'/%3E%3CfeFlood x='0' y='0' width='100%25' height='100%25'/%3E%3CfeComposite operator='out' in='s'/%3E%3CfeComposite in2='SourceGraphic'/%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3C/filter%3E%3Cimage width='100%25' height='100%25' x='0' y='0' preserveAspectRatio='none' style='filter: url(%23b);' href='data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABCAYAAAAfFcSJAAAADUlEQVR42mO8fv1mPQAIHAMIsIR6agAAAABJRU5ErkJggg=='/%3E%3C/svg%3E")" sizes="(max-width: 768px) 100vw, 450px" srcSet="https://fortune.com/img-assets/wp-content/uploads/2023/02/GettyImages-1417453122-e1732206354569.jpg?w=320&q=75 320w, https://fortune.com/img-assets/wp-content/uploads/2023/02/GettyImages-1417453122-e1732206354569.jpg?w=384&q=75 384w, https://fortune.com/img-assets/wp-content/uploads/2023/02/GettyImages-1417453122-e1732206354569.jpg?w=480&q=75 480w, https://fortune.com/img-assets/wp-content/uploads/2023/02/GettyImages-1417453122-e1732206354569.jpg?w=576&q=75 576w, 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loCKOS link-wrapper"><a href="https://fortune.com/tag/nutrition/" target="_self" class="sc-93594058-0 bDVrCz topic-link styled-custom-link " data-cy="postEyebrow" aria-label="Go to article's topic Nutrition">Nutrition</a></span></div><h2 class="sc-e3c4bc02-2 jVKXyH title-link-wrapper"><a href="https://fortune.com/well/article/beans-superfood-blue-zone-diet/" target="_self" class="sc-93594058-0 fowfrQ title-link styled-custom-link " data-cy="postTitle" aria-label="Go to full article Long-living blue zone diets are fueling the latest superfood craze: Beans">Long-living blue zone diets are fueling the latest superfood craze: Beans</a></h2><div data-cy="postAuthors" class="sc-2f1a523b-0 biIOBr card-info-wrapper"><div class="sc-cc7d6b4a-0 lNYKf author-list"><span class="sc-cc7d6b4a-2 gYLbUA by-text">BY</span><span class="sc-cc7d6b4a-3 jdpmmF list-item-wrapper"><a href="https://fortune.com/author/alexa-mikhail/" target="_self" class="sc-93594058-0 caCSpL styled-custom-link " data-cy="by-line-author" rel="author" aria-label="Go to Alexa Mikhail author's page">Alexa Mikhail</a></span></div><time data-cy="postDate" class="sc-e3c4bc02-3 jhrdrf date"></time></div></div></div></li><li class="sc-6cf2855c-2 lmrGQL content-wrapper"><span class="sc-6cf2855c-5 gngcCZ time-ago-wrapper">0 minutes ago</span><div class="sc-e3c4bc02-0 dvEGRk content"><div class="sc-e3c4bc02-1 dcxLXD card"><img alt="“I'm just trying to stay strong as long as I can,” says Dr. Mary Claire Haver, a practicing OB/GYN and author of the NYT best-seller "The New Menopause," who often recommends the weighted vest to her patients." loading="lazy" width="735" height="490" decoding="async" data-nimg="1" class="card-image" style="color:transparent;height:auto;object-fit:cover;width:100%;background-size:cover;background-position:50% 50%;background-repeat:no-repeat;background-image:url("data:image/svg+xml;charset=utf-8,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 735 490'%3E%3Cfilter id='b' 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loCKOS link-wrapper"><a href="https://fortune.com/well/section/aging-well/" target="_self" class="sc-93594058-0 bDVrCz section-link styled-custom-link " data-cy="postEyebrow" aria-label="Go to article's section Aging Well">Aging Well</a></span><span class="sc-2f1a523b-1 bELjCH hyphen" aria-hidden="true"> <!-- -->-<!-- --> </span><span class="sc-2f1a523b-2 loCKOS link-wrapper"><a href="https://fortune.com/tag/menopause/" target="_self" class="sc-93594058-0 bDVrCz topic-link styled-custom-link " data-cy="postEyebrow" aria-label="Go to article's topic Menopause">Menopause</a></span></div><h2 class="sc-e3c4bc02-2 jVKXyH title-link-wrapper"><a href="https://fortune.com/well/article/weighted-vest-women-over-40-menopause/" target="_self" class="sc-93594058-0 fowfrQ title-link styled-custom-link " data-cy="postTitle" aria-label="Go to full article Women over 40 swear by a simple hack to build strength and counter aging">Women over 40 swear by a simple hack to build strength and counter aging</a></h2><div data-cy="postAuthors" class="sc-2f1a523b-0 biIOBr card-info-wrapper"><div class="sc-cc7d6b4a-0 lNYKf author-list"><span class="sc-cc7d6b4a-2 gYLbUA by-text">BY</span><span class="sc-cc7d6b4a-3 jdpmmF list-item-wrapper"><a href="https://fortune.com/author/alexa-mikhail/" target="_self" class="sc-93594058-0 caCSpL styled-custom-link " data-cy="by-line-author" rel="author" aria-label="Go to Alexa Mikhail author's page">Alexa Mikhail</a></span></div><time data-cy="postDate" class="sc-e3c4bc02-3 jhrdrf date"></time></div></div></div></li><li class="sc-6cf2855c-2 lmrGQL content-wrapper"><span class="sc-6cf2855c-5 gngcCZ time-ago-wrapper">0 minutes ago</span><div class="sc-e3c4bc02-0 dvEGRk content"><div class="sc-e3c4bc02-1 dcxLXD card"><img alt="Here's what Dr. Oz's nomination could that mean if you’re on Medicare or will enroll in coming years." loading="lazy" width="735" height="490" decoding="async" data-nimg="1" class="card-image" style="color:transparent;height:auto;object-fit:cover;width:100%;background-size:cover;background-position:50% 50%;background-repeat:no-repeat;background-image:url("data:image/svg+xml;charset=utf-8,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 735 490'%3E%3Cfilter id='b' color-interpolation-filters='sRGB'%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3CfeColorMatrix values='1 0 0 0 0 0 1 0 0 0 0 0 1 0 0 0 0 0 100 -1' result='s'/%3E%3CfeFlood x='0' y='0' width='100%25' height='100%25'/%3E%3CfeComposite operator='out' in='s'/%3E%3CfeComposite in2='SourceGraphic'/%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3C/filter%3E%3Cimage width='100%25' height='100%25' x='0' y='0' preserveAspectRatio='none' style='filter: url(%23b);' href='data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABCAYAAAAfFcSJAAAADUlEQVR42mO8fv1mPQAIHAMIsIR6agAAAABJRU5ErkJggg=='/%3E%3C/svg%3E")" sizes="(max-width: 768px) 100vw, 450px" 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to full article How Dr. Oz could change Medicare under President Trump">How Dr. Oz could change Medicare under President Trump</a></h2><div data-cy="postAuthors" class="sc-2f1a523b-0 biIOBr card-info-wrapper"><div class="sc-cc7d6b4a-0 lNYKf author-list"><span class="sc-cc7d6b4a-2 gYLbUA by-text">BY</span><span class="sc-cc7d6b4a-3 jdpmmF list-item-wrapper"><a href="https://fortune.com/author/richard-eisenberg/" target="_self" class="sc-93594058-0 caCSpL styled-custom-link " data-cy="by-line-author" rel="author" aria-label="Go to Richard Eisenberg author's page">Richard Eisenberg</a></span></div><time data-cy="postDate" class="sc-e3c4bc02-3 jhrdrf date"></time></div></div></div></li><li class="sc-6cf2855c-2 lmrGQL content-wrapper"><span class="sc-6cf2855c-5 gngcCZ time-ago-wrapper">0 minutes ago</span><div class="sc-e3c4bc02-0 dvEGRk content"><div class="sc-e3c4bc02-1 dcxLXD card"><img alt="Several people eating pizza" loading="lazy" width="735" height="490" decoding="async" data-nimg="1" class="card-image" style="color:transparent;height:auto;object-fit:cover;width:100%;background-size:cover;background-position:50% 50%;background-repeat:no-repeat;background-image:url("data:image/svg+xml;charset=utf-8,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 735 490'%3E%3Cfilter id='b' color-interpolation-filters='sRGB'%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3CfeColorMatrix values='1 0 0 0 0 0 1 0 0 0 0 0 1 0 0 0 0 0 100 -1' result='s'/%3E%3CfeFlood x='0' y='0' width='100%25' height='100%25'/%3E%3CfeComposite operator='out' in='s'/%3E%3CfeComposite in2='SourceGraphic'/%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3C/filter%3E%3Cimage width='100%25' height='100%25' x='0' y='0' preserveAspectRatio='none' style='filter: url(%23b);' href='data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABCAYAAAAfFcSJAAAADUlEQVR42mO8fv1mPQAIHAMIsIR6agAAAABJRU5ErkJggg=='/%3E%3C/svg%3E")" sizes="(max-width: 768px) 100vw, 450px" 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article The key to a long life is avoiding the ‘poisonous 5 P’s,’ says one of the world’s top anti-aging experts">The key to a long life is avoiding the ‘poisonous 5 P’s,’ says one of the world’s top anti-aging experts</a></h2><div data-cy="postAuthors" class="sc-2f1a523b-0 biIOBr card-info-wrapper"><div class="sc-cc7d6b4a-0 lNYKf author-list"><span class="sc-cc7d6b4a-2 gYLbUA by-text">BY</span><span class="sc-cc7d6b4a-3 jdpmmF list-item-wrapper"><a href="https://fortune.com/author/alexa-mikhail/" target="_self" class="sc-93594058-0 caCSpL styled-custom-link " data-cy="by-line-author" rel="author" aria-label="Go to Alexa Mikhail author's page">Alexa Mikhail</a></span></div><time data-cy="postDate" class="sc-e3c4bc02-3 jhrdrf date"></time></div></div></div></li><li class="sc-6cf2855c-2 lmrGQL content-wrapper"><span class="sc-6cf2855c-5 gngcCZ time-ago-wrapper">0 minutes ago</span><div class="sc-e3c4bc02-0 dvEGRk content"><div class="sc-e3c4bc02-1 dcxLXD card"><img alt="Senior male patient sitting with doctor during consultation at hospital" loading="lazy" width="735" height="490" decoding="async" data-nimg="1" class="card-image" style="color:transparent;height:auto;object-fit:cover;width:100%;background-size:cover;background-position:50% 50%;background-repeat:no-repeat;background-image:url("data:image/svg+xml;charset=utf-8,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 735 490'%3E%3Cfilter id='b' color-interpolation-filters='sRGB'%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3CfeColorMatrix values='1 0 0 0 0 0 1 0 0 0 0 0 1 0 0 0 0 0 100 -1' result='s'/%3E%3CfeFlood x='0' y='0' width='100%25' height='100%25'/%3E%3CfeComposite operator='out' in='s'/%3E%3CfeComposite in2='SourceGraphic'/%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3C/filter%3E%3Cimage width='100%25' height='100%25' x='0' y='0' preserveAspectRatio='none' style='filter: url(%23b);' 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2024","dateUpdated":"2024-11-20T15:27:51","dateUpdatedFormatted":"November 20, 2024","dateUpdatedGMT":"2024-11-20T20:27:51","dateUpdatedGMTFormatted":"November 20, 2024","excerpt":"Italian kids aren’t actually following the Mediterranean diet, says Valter Longo.","eyebrowSectionLabel":"Aging Well","eyebrowSectionLink":"/section/aging-well","eyebrowTagLabel":"","eyebrowTagLink":"","image":{"altText":"","caption":"","mediaItemUrl":"https://fortune.com/img-assets/wp-content/uploads/2024/03/GettyImages-1272247068-e1711392622354.jpg"},"title":"The key to a long life is avoiding the ‘poisonous 5 P’s,’ says one of the world’s top anti-aging experts","titleLink":"https://fortune.com/well/article/valter-longo-longevity-diet/?itm_source=parsely-api"},{"authors":[{"name":"Beth Greenfield","uri":"/author/beth-greenfield","__typename":"MostPopularAuthors","email":"","image":"","sameAs":"","type":"","url":"/author/beth-greenfield/"}],"contentType":null,"date":"2024-11-22T18:30:00","dateFormatted":"November 22, 2024","dateGMT":"2024-11-22T18:30:00","dateGMTFormatted":"November 22, 2024","dateUpdated":"2024-11-22T13:30:00","dateUpdatedFormatted":"November 22, 2024","dateUpdatedGMT":"2024-11-22T18:30:27","dateUpdatedGMTFormatted":"November 22, 2024","excerpt":"Ethan Brown decided to make the Beyond products “unassailable from a health perspective.” ","eyebrowSectionLabel":"Health","eyebrowSectionLink":"/section/health","eyebrowTagLabel":"","eyebrowTagLink":"","image":{"altText":"","caption":"","mediaItemUrl":"https://fortune.com/img-assets/wp-content/uploads/2024/11/Beyond-Meat-Ethan-Browns.jpg"},"title":"Beyond Meat CEO says a smear campaign almost killed his business. Here’s how he’s fighting back","titleLink":"https://fortune.com/well/article/why-beyond-meat-ceo-reformulated-products-plant-based-meat-backlash/?itm_source=parsely-api"},{"authors":[{"name":"Richard Eisenberg","uri":"/author/richard-eisenberg","__typename":"MostPopularAuthors","email":"","image":"","sameAs":"","type":"","url":"/author/richard-eisenberg/"}],"contentType":null,"date":"2024-11-20T22:49:12","dateFormatted":"November 20, 2024","dateGMT":"2024-11-20T22:49:12","dateGMTFormatted":"November 20, 2024","dateUpdated":"2024-11-20T17:49:27","dateUpdatedFormatted":"November 20, 2024","dateUpdatedGMT":"2024-11-20T22:49:27","dateUpdatedGMTFormatted":"November 20, 2024","excerpt":"What you might expect from Oz if he runs Medicare, Medicaid, and management of the Affordable Care Act at the 6,000-person CMS.","eyebrowSectionLabel":"Aging Well","eyebrowSectionLink":"/section/aging-well","eyebrowTagLabel":"","eyebrowTagLink":"","image":{"altText":"","caption":"","mediaItemUrl":"https://fortune.com/img-assets/wp-content/uploads/2024/11/GettyImages-1439334843-e1732138231661.jpg"},"title":"How Dr. Oz could change Medicare under President Trump","titleLink":"https://fortune.com/well/article/dr-oz-trump-medicare-medicaid-changes/?itm_source=parsely-api"},{"authors":[{"name":"Margie Zable Fisher","uri":"/author/margie-zable-fisher","__typename":"MostPopularAuthors","email":"","image":"","sameAs":"","type":"","url":"/author/margie-zable-fisher/"}],"contentType":null,"date":"2024-11-19T15:24:56","dateFormatted":"November 19, 2024","dateGMT":"2024-11-19T15:24:56","dateGMTFormatted":"November 19, 2024","dateUpdated":"2024-11-19T10:24:56","dateUpdatedFormatted":"November 19, 2024","dateUpdatedGMT":"2024-11-19T15:25:27","dateUpdatedGMTFormatted":"November 19, 2024","excerpt":"The increase “is mainly due to projected price changes and assumed utilization increases that are consistent with historical experience,” according to the Centers for Medicare and Medicaid.","eyebrowSectionLabel":"Aging Well","eyebrowSectionLink":"/section/aging-well","eyebrowTagLabel":"","eyebrowTagLink":"","image":{"altText":"","caption":"","mediaItemUrl":"https://fortune.com/img-assets/wp-content/uploads/2024/11/GettyImages-1765299660-e1731524604907.jpg"},"title":"Medicare Part B is getting more expensive and outpacing inflation. Here’s what you can expect to pay in 2025","titleLink":"https://fortune.com/well/article/medicare-part-b-price-increase/?itm_source=parsely-api"},{"authors":[{"name":"Ani Freedman","uri":"/author/ani-freedman","__typename":"MostPopularAuthors","email":"","image":"","sameAs":"","type":"","url":"/author/ani-freedman/"}],"contentType":null,"date":"2024-11-15T21:21:12","dateFormatted":"November 15, 2024","dateGMT":"2024-11-15T21:21:12","dateGMTFormatted":"November 15, 2024","dateUpdated":"2024-11-19T17:17:49","dateUpdatedFormatted":"November 19, 2024","dateUpdatedGMT":"2024-11-19T22:17:49","dateUpdatedGMTFormatted":"November 19, 2024","excerpt":"Bryan Johnson’s latest escapade went seriously wrong.","eyebrowSectionLabel":"Aging Well","eyebrowSectionLink":"/section/aging-well","eyebrowTagLabel":"","eyebrowTagLink":"","image":{"altText":"","caption":"","mediaItemUrl":"https://fortune.com/img-assets/wp-content/uploads/2024/11/GettyImages-1236026291-e1731705148693.jpg"},"title":"Tech millionaire who spends $2 million a year to live forever looks unrecognizable after anti-aging procedure","titleLink":"https://fortune.com/well/article/bryan-johnson-live-longer-unrecognizable-anti-aging-procedure/?itm_source=parsely-api"},{"authors":[{"name":"Alexa Mikhail","uri":"/author/alexa-mikhail","__typename":"MostPopularAuthors","email":"","image":"","sameAs":"","type":"","url":"/author/alexa-mikhail/"}],"contentType":null,"date":"2024-11-21T20:43:35","dateFormatted":"November 21, 2024","dateGMT":"2024-11-21T20:43:35","dateGMTFormatted":"November 21, 2024","dateUpdated":"2024-11-21T15:43:35","dateUpdatedFormatted":"November 21, 2024","dateUpdatedGMT":"2024-11-21T20:44:06","dateUpdatedGMTFormatted":"November 21, 2024","excerpt":"Blue Zone expert Dan Buettner says beans are a diet staple of the world's longest living people.","eyebrowSectionLabel":"Aging Well","eyebrowSectionLink":"/section/aging-well","eyebrowTagLabel":"","eyebrowTagLink":"","image":{"altText":"","caption":"","mediaItemUrl":"https://fortune.com/img-assets/wp-content/uploads/2023/02/GettyImages-1417453122-e1732206354569.jpg"},"title":"Long-living blue zone diets are fueling the latest superfood craze: Beans","titleLink":"https://fortune.com/well/article/beans-superfood-blue-zone-diet/?itm_source=parsely-api"}],"subdomain":"well","footer":{"footerDisclaimer":"\u003cp\u003e© 2024 Fortune Media IP Limited. 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Mikhail","sameAs":"","type":"Person","uri":"/author/alexa-mikhail/","url":"https://fortune.com/author/alexa-mikhail/","role":"","funFactHeader":"","funFactValue":"","social":{"instaUrl":"","linkedinUrl":"https://www.linkedin.com/in/alexamikhail/","twitterUrl":"https://twitter.com/MikhailAlexa","__typename":"AuthorSocialUrlsFields"},"shortIntro":"","__typename":"Co-authors"},{"email":"","image":"","name":"Ani Freedman","sameAs":"","type":"Person","uri":"/author/ani-freedman/","url":"https://fortune.com/author/ani-freedman/","role":"","funFactHeader":"","funFactValue":"","social":{"instaUrl":"","linkedinUrl":"http://www.linkedin.com/in/ani-freedman522","twitterUrl":"","__typename":"AuthorSocialUrlsFields"},"shortIntro":"","__typename":"Co-authors"}],"breadcrumbs":{"items":[]},"bypassPaywall":{"postBypassLinkEnabled":"","postBypassLinkUnique":""},"canonicalUrl":null,"channel":"Aging Well","content":"\u003cp\u003eLinda and Jerry Salzman fell in love with Delray Beach, Florida, back in November 2015. They were “snowbirds”—people from the northeast who spend their winters in Florida to avoid the cold. It wasn’t too long after their first visit that they bought a condo in the charming beach town.\u003c/p\u003e\u003cdiv class=\"paywall-selector\"\u003e\u003c/div\u003e\u003cdiv class=\"paywall\"\u003e\n\n\n\n\u003cp\u003eAfter living in New York City and Washington, D.C., the retired couple wanted to settle in a place that would offer them similar opportunities to walk to restaurants, engage in cultural experiences, and feel like a part of a community.\u003c/p\u003e\n\n\n\n\u003cp\u003e“When we hit Delray, it was alive,” Linda, 78, a former owner of a recruitment firm who now paints in her free time, tells \u003cem\u003eFortune\u003c/em\u003e. Jerry, 80, a retired lawyer, audits courses for free at nearby Florida Atlantic University. “It had a mix of young people with kids, college students, young couples.”\u003c/p\u003e\n\n\n\n\u003cp\u003eIn awe of the local mom-and-pop stores and thriving restaurant scene, they described Delray, No. 12 on our inaugural list of Best Places to Retire Affordably, as “magical.” During the pandemic, the couple decided to make it their full-time home.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003e“We don’t regret it. We have a great lifestyle,” Linda says. “It’s like being on vacation every day.”\u003c/p\u003e\n\n\n\n\u003cp\u003e\u003ca href=\"https://fortune.com/well/ranking/best-places-retire-affordably/\"\u003eModern retirement\u003c/a\u003e looks very different than it did a generation ago. While it once consisted generally of downsizing and keeping expenses low while enjoying occasional trips and leisure activities—at least for the middle-class—today, because of \u003ca href=\"https://fortune.com/well/article/live-to-150-aging-researchers/\"\u003eincreasing lifespan\u003c/a\u003e, people want more than affordability. They want to stay active and involved.\u003c/p\u003e\n\n\n\n\u003cp\u003eNot surprising, as a \u003ca href=\"https://www.ncbi.nlm.nih.gov/pmc/articles/PMC9916207/\"\u003e2023 study\u003c/a\u003e found that adults who are most satisfied post-retirement are in communities where they are engaged and have a sense of purpose. It’s why so many retirees see it as essential to their quality of life. The \u003ca href=\"https://www.nia.nih.gov/health/healthy-aging/participating-activities-you-enjoy-you-age\"\u003eNational Institute of Aging\u003c/a\u003e says that staying socially active and purposefully engaged in community improves mental and physical health outcomes by reducing \u003ca href=\"https://fortune.com/well/2023/11/15/loneliness-deadly-visit-family-friends-reduce-risk/\"\u003esocial isolation\u003c/a\u003e. Further, the strength of someone’s social connections directly impacts their happiness at the end of life, according to the \u003ca href=\"https://fortune.com/well/2023/01/14/keys-to-happiness-the-good-life/\"\u003elongest study on happiness to date\u003c/a\u003e. \u003c/p\u003e\n\n\n\n\u003cp\u003e“Where people live is really important for their experience of aging,” says John Beard, a professor of productive aging at Columbia University’s Robert N. Butler Columbia Aging Center. “It’s never too late to make decisions about where you want to live, but it’s also never too early.”\u003c/p\u003e\n\n\n\n\u003cp\u003eTo rank the \u003ca href=\"https://fortune.com/well/ranking/best-places-retire-affordably/\"\u003e25 Best Places to Retire Affordably\u003c/a\u003e, we assessed over 2,000 cities and nearly 200 data categories across health care, wellness, livability, and financial health. The winners are relatively affordable, provide robust health care services for older adults, and offer community and walkability. Finally, \u003cem\u003eFortune\u003c/em\u003e considered the percentage of residents who believe their city or town is the perfect place for them.\u003c/p\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\"\u003e\u003cstrong\u003eThe essential considerations\u0026nbsp;\u003c/strong\u003e\u003c/h2\u003e\n\n\n\n\u003cp\u003eRetirees are not a monolith, cautions Beard, and what makes a perfect place to call home is deeply personal.\u003c/p\u003e\n\n\n\n\u003cp\u003eSo as you’re thinking about where to retire, consider a number of factors. Does it make sense to settle near your children and grandchildren or near an airport for easy access to visit them? Do you prefer a small town close to a bustling city with a thriving social scene, or is a warm, beachfront locale your ideal? While our list does not encapsulate everything desirable in each place, it does include a mix of places that have a high number of sunny days per year as well as robust access to nature and green spaces. Because whether you desire the mountain views of Lafayette, Colorado or the Atlantic Ocean’s breeze off the coast of Newport, a place that encourages you to stay outside and engaged is essential.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eFor many, retirement is not the end of work, but an opportunity to find and pursue a different type of job, which has financial benefits as well as physical and cognitive ones, too.\u003c/p\u003e\n\n\n\n\u003cp\u003e“We often think about retirement like it\u0026#8217;s black and white,” Beard says, while many would be happy to keep working in different ways. “But they don\u0026#8217;t want to have the same level of commitment that they had when they were younger.” Our list includes places near major hubs, and also factors in the unemployment rate to determine a place’s financial health.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eFor a city to successfully serve retirees, he adds, it must cater to a diversity of needs and not just to the “generic middle-of-the-box.” To this end, our list heavily considers \u003ca href=\"https://wellbeingindex.sharecare.com/\"\u003eSharecare’s Community Well-Being Index\u003c/a\u003e, which accounts for multiple livability measures and social determinants of health, such as access to green spaces, libraries, and healthy food.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003e\u003cem\u003eFortune\u003c/em\u003e also considered the percentage of residents who believe their city or town is the perfect place for them.“If you believe something to be true, like this is a perfect place for me, it actually has direct links to your physical health, your attitude, and your overall self-rated health score,” Michael Rickles, the vice president of research at digital health company \u003ca href=\"https://www.sharecare.com/\"\u003eSharecare\u003c/a\u003e, tells \u003cem\u003eFortune\u003c/em\u003e.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\"\u003e\u003cstrong\u003eThe financial question\u003c/strong\u003e\u003c/h2\u003e\n\n\n\n\u003cp\u003eCost considerations are of course a critical factor in deciding when and where to retire. More than half of adults over age 50 worry they will not have enough money for that stage of life, \u003ca href=\"https://press.aarp.org/2024-4-24-New-AARP-Survey-1-in-5-Americans-Ages-50-Have-No-Retirement-Savings\"\u003eaccording to AARP\u003c/a\u003e. It’s why financial considerations were factored into the list, using statistics like the percent of residents who agree with the statement, “I have enough money to do everything I want to do,” as well as the percent of residents who have high financial stress risk, average property taxes, and average estimated home value.\u003c/p\u003e\n\n\n\n\u003cp\u003eMany of the places in our ranking offer their own financial perks. The historical coastal city of Beaufort, South Carolina, for example, which ranks at No.4, has a cost of living that is 3% lower than the national average, and housing prices are 15% lower than the national average.\u003c/p\u003e\n\n\n\n\u003cp\u003eRetirees in Colorado Springs, No. 19, meanwhile, can exclude their Social Security benefits from their taxable income.\u003c/p\u003e\n\n\n\n\u003cp\u003eAnd there is no state income tax in New Hampshire, Maine, or Washington, which helped boost the cities of Portsmouth, Scarborough, and Maple Valley on our list.\u003c/p\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\"\u003e\u003cstrong\u003eThe ease of health care access\u003c/strong\u003e\u003c/h2\u003e\n\n\n\n\u003cp\u003eIn our analysis of the Best Places to Retire Affordably, we heavily considered whether a city or town offered access to mental and physical health care resources. Older adults are at an increased risk for a host of chronic conditions, including depression and heart disease, so staying on top of screenings and regular checkups is a crucial part of thriving post-retirement and extending healthspan, which refers to the number of years lived in good health.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003e“There tends to be a pretty strong correlation between longevity and access,” says Rickles. “When we say that you have access, we\u0026#8217;re defining it in terms of, you can walk there [or] it’s like a five-minute drive. It makes it more meaningful and relevant.”\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eAdditionally, as more older adults want to age in place and with autonomy, we gave higher ranking to places with strong home health services and plentiful independent living centers.\u003c/p\u003e\n\n\n\n\u003cp\u003e\u003ca href=\"https://fortune.com/company/overstock-com/\" target=\"_blank\"\u003eBeyond\u003c/a\u003e accounting for places with access to the brick-and-mortar health care system, our ranking factors in access to resources that will bolster older adults’ social health. Staying engaged and connected \u003ca href=\"https://fortune.com/well/2023/04/15/older-adults-70s-key-habits-that-keep-them-mentally-sharp/\"\u003ereduces older adults’ risk for cognitive decline\u003c/a\u003e and social isolation, which is linked to a number of conditions, including dementia, heart disease, and stroke. It’s why communities with high walkability, a lower risk of social isolation, and filled with people who have a sense of belonging and pride in their community rose to the top of our list.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003e“As we\u0026#8217;re moving toward retirement, that typically corresponds with an increase in sedentary lifestyles, so making sure that you have parks, walking groups, community spaces where you can move and become engaged with others, and facilities that continue to engage you as you transition into a new phase of life, is what we found to be the most important,” Rickles says.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\"\u003e\u003cstrong\u003eA place where you are an active participant\u0026nbsp;\u003c/strong\u003e\u003c/h2\u003e\n\n\n\n\u003cp\u003eBeard, who founded the World Health Organization\u0026#8217;s \u003ca href=\"https://iris.who.int/handle/10665/43755\"\u003e\u003cem\u003eAge-Friendly Cities\u003c/em\u003e,\u003c/a\u003e a global network of 1,600 communities, says the best places to age are not only offering resources for older people but also being mindful of how a place can create meaningful networks across generations.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003e“It\u0026#8217;s a community where people of all ages, including older people, are just naturally engaged participants,” he says. Places that have built-in intergenerational activities, events, and spaces, help combat ageism and reimagine what it can look like to grow old. “Older people want to learn, grow and make decisions. Most people value being part of something bigger.”\u003c/p\u003e\n\n\n\n\u003cp\u003eFinding a strong sense of community, having access to a variety of things to do, and being able to stay socially engaged with people of all different backgrounds are just some of the key components of what makes a best place to retire.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eAnd Delray Beach is where the Salzmans have found that.\u003c/p\u003e\n\n\n\n\u003cp\u003e“We made very dear friends,” says Linda, naming perhaps the most priceless perk. “At this age, it’s not easy to make friends.”\u003c/p\u003e\n\n\n\n\u003cp\u003eRead our \u003ca href=\"https://fortune.com/well/ranking/best-places-families/\"\u003eBest Places to Live for Families\u003c/a\u003e here. \u003c/p\u003e\u003c/div\u003e","databaseId":4033811,"dateGmt":"2024-10-08T11:30:00","dek":"","description":"To rank the 25 Best Places to Retire Affordably, we assessed over 2,000 cities and nearly 200 data categories across health care, wellness, livability, and financial health.","faq":[],"featuredMediaType":"image","floatingNavContent":"","floatingNavTitle":"","footnotes":null,"id":"cG9zdDo0MDMzODEx","image":"https://fortune.com/img-assets/wp-content/uploads/2024/09/FORTUNE_BPTR-2024_V3.jpg?resize=1200,600","imageCaption":"To rank the 25 Best Places to Retire Affordably, Fortune assessed over 2,000 cities and nearly 200 data categories across health care, wellness, livability, and financial health. \n","imageCredit":"Illustration by Studio Muti 2024","keywords":"","link":"https://fortune.com/well/article/best-places-retire-affordably-2024/","metaTitle":"The best places to retire in America are based on these 4 key factors","modifiedGmt":"2024-10-09T12:50:53","pageType":"article","platformCD":"well","postId":4033811,"postSettings":{"postSettingsDek":null,"enableSubscriptionPlea":true,"subscriptionPleaDesign":"with-bottom-border","subscriptionPleaPosition":null,"subscriptionPleaTextLined":"\u003cstrong\u003e\u003cu\u003eFor you:\u003c/u\u003e\u003c/strong\u003e\r\n\u003cul\u003e\r\n \t\u003cli\u003e\u003cstrong\u003eThe Well Adjusted newsletter\u003c/strong\u003e: \u003ca href=\"https://www.fortune.com/newsletters/well-adjusted?\u0026itm_source=fortune\u0026itm_medium=article_tout\u0026itm_campaign=welladjusted\"\u003eSign up\u003c/a\u003e to get simple strategies to work smarter and live better, in your inbox three times a week. \u003c/li\u003e\r\n\u003c/ul\u003e\r\n\u003cbr\u003e\u003cbr\u003e\u003cbr\u003e","bylineCommentary":null,"mediaItem":{"altText":"colorful world of happy retirees in a city by the water","caption":"illustration affordable retirement","mediaItemUrl":"https://fortune.com/img-assets/wp-content/uploads/2024/09/FORTUNE_BPTR-2024_V3.jpg"},"__typename":"Settings"},"premiumCategory":{"name":"F-Search","premiumCategoryId":447850669,"link":"https://fortune.com/?taxonomy=premium_categories\u0026term=f-search-free","__typename":"BrandedArticlePremiumCategoryFieldsFields"},"primaryPostTag":{"name":"Franchise Lists","primaryTagId":221782,"link":"https://fortune.com/tag/franchise-lists/","uri":"/tag/franchise-lists/","__typename":"BrandedArticlePrimaryPostTagIdFieldsFields"},"primarySection":{"name":"Aging Well","primarySectionId":447860913,"link":"https://fortune.com/well/section/aging-well/","uri":"/well/section/aging-well/","__typename":"BrandedArticlePrimarySectionIdFieldsFields"},"primaryTopic":{"name":"","primaryTopicId":-1},"relatedVideoId":"GbWUYgPLeh-3901819-14497","relatedVideoType":"stn_video_media","reviewedBy":null,"sectionNames":["Aging Well"],"sections":[{"name":"Aging Well","sectionId":447860913,"slug":"aging-well","__typename":"BrandedArticleClassificationSectionFieldsFields"}],"series":[],"showModifiedTimestamp":0,"socialDescription":"To rank the 25 Best Places to Retire Affordably, we assessed over 2,000 cities and nearly 200 data categories across health care, wellness, livability, and financial health.","socialTitle":"The best places to retire in America are based on these 4 key factors","stickyCta":null,"tagNames":["aging","Best-of","Franchise Lists","Health","Loneliness","Longevity","Moving","Personal Health, Fitness, and Wellness","Real estate","relocation","retirement"],"tags":[{"name":"aging","tagId":17218,"__typename":"BrandedArticleClassificationTagFieldsFields"},{"name":"Best-of","tagId":447854062,"__typename":"BrandedArticleClassificationTagFieldsFields"},{"name":"Franchise Lists","tagId":221782,"__typename":"BrandedArticleClassificationTagFieldsFields"},{"name":"Health","tagId":447824515,"__typename":"BrandedArticleClassificationTagFieldsFields"},{"name":"Loneliness","tagId":65178,"__typename":"BrandedArticleClassificationTagFieldsFields"},{"name":"Longevity","tagId":437581585,"__typename":"BrandedArticleClassificationTagFieldsFields"},{"name":"Moving","tagId":10049,"__typename":"BrandedArticleClassificationTagFieldsFields"},{"name":"Personal Health, Fitness, and Wellness","tagId":447850567,"__typename":"BrandedArticleClassificationTagFieldsFields"},{"name":"Real estate","tagId":3225,"__typename":"BrandedArticleClassificationTagFieldsFields"},{"name":"relocation","tagId":427816091,"__typename":"BrandedArticleClassificationTagFieldsFields"},{"name":"retirement","tagId":24161,"__typename":"BrandedArticleClassificationTagFieldsFields"}],"templateType":"default","thumbnailUrl":"https://fortune.com/img-assets/wp-content/uploads/2024/09/FORTUNE_BPTR-2024_V3.jpg","title":"The best places to retire in America are based on these 4 key factors","topicNames":[],"topics":[],"url":"https://fortune.com/well/article/best-places-retire-affordably-2024/","videoId":null,"widgetCss":null},"articleData":{"adTags":[],"audienceDek":"To rank the 25 Best Places to Retire Affordably, we assessed over 2,000 cities and nearly 200 data categories across health care, wellness, livability, and financial health.","authorNames":["Alexa Mikhail","Ani Freedman"],"authors":[{"email":"alexa.mikhail@fortune.com","image":"","name":"Alexa Mikhail","sameAs":"","type":"Person","uri":"/author/alexa-mikhail/","url":"https://fortune.com/author/alexa-mikhail/","role":"","funFactHeader":"","funFactValue":"","social":{"instaUrl":"","linkedinUrl":"https://www.linkedin.com/in/alexamikhail/","twitterUrl":"https://twitter.com/MikhailAlexa","__typename":"AuthorSocialUrlsFields"},"shortIntro":"","__typename":"Co-authors"},{"email":"","image":"","name":"Ani Freedman","sameAs":"","type":"Person","uri":"/author/ani-freedman/","url":"https://fortune.com/author/ani-freedman/","role":"","funFactHeader":"","funFactValue":"","social":{"instaUrl":"","linkedinUrl":"http://www.linkedin.com/in/ani-freedman522","twitterUrl":"","__typename":"AuthorSocialUrlsFields"},"shortIntro":"","__typename":"Co-authors"}],"breadcrumbs":{"items":[]},"bypassPaywall":{"postBypassLinkEnabled":"","postBypassLinkUnique":""},"canonicalUrl":null,"channel":"Aging Well","content":"\u003cp\u003eLinda and Jerry Salzman fell in love with Delray Beach, Florida, back in November 2015. They were “snowbirds”—people from the northeast who spend their winters in Florida to avoid the cold. It wasn’t too long after their first visit that they bought a condo in the charming beach town.\u003c/p\u003e\u003cdiv class=\"paywall-selector\"\u003e\u003c/div\u003e\u003cdiv class=\"paywall\"\u003e\n\n\n\n\u003cp\u003eAfter living in New York City and Washington, D.C., the retired couple wanted to settle in a place that would offer them similar opportunities to walk to restaurants, engage in cultural experiences, and feel like a part of a community.\u003c/p\u003e\n\n\n\n\u003cp\u003e“When we hit Delray, it was alive,” Linda, 78, a former owner of a recruitment firm who now paints in her free time, tells \u003cem\u003eFortune\u003c/em\u003e. Jerry, 80, a retired lawyer, audits courses for free at nearby Florida Atlantic University. “It had a mix of young people with kids, college students, young couples.”\u003c/p\u003e\n\n\n\n\u003cp\u003eIn awe of the local mom-and-pop stores and thriving restaurant scene, they described Delray, No. 12 on our inaugural list of Best Places to Retire Affordably, as “magical.” During the pandemic, the couple decided to make it their full-time home.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003e“We don’t regret it. We have a great lifestyle,” Linda says. “It’s like being on vacation every day.”\u003c/p\u003e\n\n\n\n\u003cp\u003e\u003ca href=\"https://fortune.com/well/ranking/best-places-retire-affordably/\"\u003eModern retirement\u003c/a\u003e looks very different than it did a generation ago. While it once consisted generally of downsizing and keeping expenses low while enjoying occasional trips and leisure activities—at least for the middle-class—today, because of \u003ca href=\"https://fortune.com/well/article/live-to-150-aging-researchers/\"\u003eincreasing lifespan\u003c/a\u003e, people want more than affordability. They want to stay active and involved.\u003c/p\u003e\n\n\n\n\u003cp\u003eNot surprising, as a \u003ca href=\"https://www.ncbi.nlm.nih.gov/pmc/articles/PMC9916207/\"\u003e2023 study\u003c/a\u003e found that adults who are most satisfied post-retirement are in communities where they are engaged and have a sense of purpose. It’s why so many retirees see it as essential to their quality of life. The \u003ca href=\"https://www.nia.nih.gov/health/healthy-aging/participating-activities-you-enjoy-you-age\"\u003eNational Institute of Aging\u003c/a\u003e says that staying socially active and purposefully engaged in community improves mental and physical health outcomes by reducing \u003ca href=\"https://fortune.com/well/2023/11/15/loneliness-deadly-visit-family-friends-reduce-risk/\"\u003esocial isolation\u003c/a\u003e. Further, the strength of someone’s social connections directly impacts their happiness at the end of life, according to the \u003ca href=\"https://fortune.com/well/2023/01/14/keys-to-happiness-the-good-life/\"\u003elongest study on happiness to date\u003c/a\u003e. \u003c/p\u003e\n\n\n\n\u003cp\u003e“Where people live is really important for their experience of aging,” says John Beard, a professor of productive aging at Columbia University’s Robert N. Butler Columbia Aging Center. “It’s never too late to make decisions about where you want to live, but it’s also never too early.”\u003c/p\u003e\n\n\n\n\u003cp\u003eTo rank the \u003ca href=\"https://fortune.com/well/ranking/best-places-retire-affordably/\"\u003e25 Best Places to Retire Affordably\u003c/a\u003e, we assessed over 2,000 cities and nearly 200 data categories across health care, wellness, livability, and financial health. The winners are relatively affordable, provide robust health care services for older adults, and offer community and walkability. Finally, \u003cem\u003eFortune\u003c/em\u003e considered the percentage of residents who believe their city or town is the perfect place for them.\u003c/p\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\"\u003e\u003cstrong\u003eThe essential considerations\u0026nbsp;\u003c/strong\u003e\u003c/h2\u003e\n\n\n\n\u003cp\u003eRetirees are not a monolith, cautions Beard, and what makes a perfect place to call home is deeply personal.\u003c/p\u003e\n\n\n\n\u003cp\u003eSo as you’re thinking about where to retire, consider a number of factors. Does it make sense to settle near your children and grandchildren or near an airport for easy access to visit them? Do you prefer a small town close to a bustling city with a thriving social scene, or is a warm, beachfront locale your ideal? While our list does not encapsulate everything desirable in each place, it does include a mix of places that have a high number of sunny days per year as well as robust access to nature and green spaces. Because whether you desire the mountain views of Lafayette, Colorado or the Atlantic Ocean’s breeze off the coast of Newport, a place that encourages you to stay outside and engaged is essential.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eFor many, retirement is not the end of work, but an opportunity to find and pursue a different type of job, which has financial benefits as well as physical and cognitive ones, too.\u003c/p\u003e\n\n\n\n\u003cp\u003e“We often think about retirement like it\u0026#8217;s black and white,” Beard says, while many would be happy to keep working in different ways. “But they don\u0026#8217;t want to have the same level of commitment that they had when they were younger.” Our list includes places near major hubs, and also factors in the unemployment rate to determine a place’s financial health.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eFor a city to successfully serve retirees, he adds, it must cater to a diversity of needs and not just to the “generic middle-of-the-box.” To this end, our list heavily considers \u003ca href=\"https://wellbeingindex.sharecare.com/\"\u003eSharecare’s Community Well-Being Index\u003c/a\u003e, which accounts for multiple livability measures and social determinants of health, such as access to green spaces, libraries, and healthy food.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003e\u003cem\u003eFortune\u003c/em\u003e also considered the percentage of residents who believe their city or town is the perfect place for them.“If you believe something to be true, like this is a perfect place for me, it actually has direct links to your physical health, your attitude, and your overall self-rated health score,” Michael Rickles, the vice president of research at digital health company \u003ca href=\"https://www.sharecare.com/\"\u003eSharecare\u003c/a\u003e, tells \u003cem\u003eFortune\u003c/em\u003e.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\"\u003e\u003cstrong\u003eThe financial question\u003c/strong\u003e\u003c/h2\u003e\n\n\n\n\u003cp\u003eCost considerations are of course a critical factor in deciding when and where to retire. More than half of adults over age 50 worry they will not have enough money for that stage of life, \u003ca href=\"https://press.aarp.org/2024-4-24-New-AARP-Survey-1-in-5-Americans-Ages-50-Have-No-Retirement-Savings\"\u003eaccording to AARP\u003c/a\u003e. It’s why financial considerations were factored into the list, using statistics like the percent of residents who agree with the statement, “I have enough money to do everything I want to do,” as well as the percent of residents who have high financial stress risk, average property taxes, and average estimated home value.\u003c/p\u003e\n\n\n\n\u003cp\u003eMany of the places in our ranking offer their own financial perks. The historical coastal city of Beaufort, South Carolina, for example, which ranks at No.4, has a cost of living that is 3% lower than the national average, and housing prices are 15% lower than the national average.\u003c/p\u003e\n\n\n\n\u003cp\u003eRetirees in Colorado Springs, No. 19, meanwhile, can exclude their Social Security benefits from their taxable income.\u003c/p\u003e\n\n\n\n\u003cp\u003eAnd there is no state income tax in New Hampshire, Maine, or Washington, which helped boost the cities of Portsmouth, Scarborough, and Maple Valley on our list.\u003c/p\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\"\u003e\u003cstrong\u003eThe ease of health care access\u003c/strong\u003e\u003c/h2\u003e\n\n\n\n\u003cp\u003eIn our analysis of the Best Places to Retire Affordably, we heavily considered whether a city or town offered access to mental and physical health care resources. Older adults are at an increased risk for a host of chronic conditions, including depression and heart disease, so staying on top of screenings and regular checkups is a crucial part of thriving post-retirement and extending healthspan, which refers to the number of years lived in good health.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003e“There tends to be a pretty strong correlation between longevity and access,” says Rickles. “When we say that you have access, we\u0026#8217;re defining it in terms of, you can walk there [or] it’s like a five-minute drive. It makes it more meaningful and relevant.”\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eAdditionally, as more older adults want to age in place and with autonomy, we gave higher ranking to places with strong home health services and plentiful independent living centers.\u003c/p\u003e\n\n\n\n\u003cp\u003e\u003ca href=\"https://fortune.com/company/overstock-com/\" target=\"_blank\"\u003eBeyond\u003c/a\u003e accounting for places with access to the brick-and-mortar health care system, our ranking factors in access to resources that will bolster older adults’ social health. Staying engaged and connected \u003ca href=\"https://fortune.com/well/2023/04/15/older-adults-70s-key-habits-that-keep-them-mentally-sharp/\"\u003ereduces older adults’ risk for cognitive decline\u003c/a\u003e and social isolation, which is linked to a number of conditions, including dementia, heart disease, and stroke. It’s why communities with high walkability, a lower risk of social isolation, and filled with people who have a sense of belonging and pride in their community rose to the top of our list.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003e“As we\u0026#8217;re moving toward retirement, that typically corresponds with an increase in sedentary lifestyles, so making sure that you have parks, walking groups, community spaces where you can move and become engaged with others, and facilities that continue to engage you as you transition into a new phase of life, is what we found to be the most important,” Rickles says.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\"\u003e\u003cstrong\u003eA place where you are an active participant\u0026nbsp;\u003c/strong\u003e\u003c/h2\u003e\n\n\n\n\u003cp\u003eBeard, who founded the World Health Organization\u0026#8217;s \u003ca href=\"https://iris.who.int/handle/10665/43755\"\u003e\u003cem\u003eAge-Friendly Cities\u003c/em\u003e,\u003c/a\u003e a global network of 1,600 communities, says the best places to age are not only offering resources for older people but also being mindful of how a place can create meaningful networks across generations.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003e“It\u0026#8217;s a community where people of all ages, including older people, are just naturally engaged participants,” he says. Places that have built-in intergenerational activities, events, and spaces, help combat ageism and reimagine what it can look like to grow old. “Older people want to learn, grow and make decisions. Most people value being part of something bigger.”\u003c/p\u003e\n\n\n\n\u003cp\u003eFinding a strong sense of community, having access to a variety of things to do, and being able to stay socially engaged with people of all different backgrounds are just some of the key components of what makes a best place to retire.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eAnd Delray Beach is where the Salzmans have found that.\u003c/p\u003e\n\n\n\n\u003cp\u003e“We made very dear friends,” says Linda, naming perhaps the most priceless perk. “At this age, it’s not easy to make friends.”\u003c/p\u003e\n\n\n\n\u003cp\u003eRead our \u003ca href=\"https://fortune.com/well/ranking/best-places-families/\"\u003eBest Places to Live for Families\u003c/a\u003e here. \u003c/p\u003e\u003c/div\u003e","databaseId":4033811,"dateGmt":"2024-10-08T11:30:00","dek":"","description":"To rank the 25 Best Places to Retire Affordably, we assessed over 2,000 cities and nearly 200 data categories across health care, wellness, livability, and financial health.","faq":[],"featuredMediaType":"image","floatingNavContent":"","floatingNavTitle":"","footnotes":null,"id":"cG9zdDo0MDMzODEx","image":"https://fortune.com/img-assets/wp-content/uploads/2024/09/FORTUNE_BPTR-2024_V3.jpg?resize=1200,600","imageCaption":"To rank the 25 Best Places to Retire Affordably, Fortune assessed over 2,000 cities and nearly 200 data categories across health care, wellness, livability, and financial health. \n","imageCredit":"Illustration by Studio Muti 2024","keywords":"","link":"https://fortune.com/well/article/best-places-retire-affordably-2024/","metaTitle":"The best places to retire in America are based on these 4 key 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