In 2025, retirement planning is more important than ever as Americans look for peaceful, affordable, and healthy places to spend their golden years. According to a newly released national report, New Hampshire has officially taken the top spot as the best state to retire in 2025, thanks to its strong healthcare system, safety, and overall quality of life.
The ranking comes from a detailed study based on factors such as cost of living, tax friendliness, access to healthcare, recreational opportunities, and quality of environment. For those nearing retirement, this list offers critical insights into where their next home might be.
Topping the list in 2025, New Hampshire stands out for multiple reasons. Known for its scenic landscapes, low crime rates, and excellent medical care, the Granite State provides a peaceful environment ideal for retirees. It also benefits from no state income tax or sales tax, which helps retirees stretch their savings.
Additionally, New Hampshire is rich in outdoor recreation from hiking in the White Mountains to boating on Lake Winnipesaukee. With four distinct seasons, retirees can enjoy natural beauty year-round without the extremes of southern heat or western droughts.
Health and wellness services are also widely available. The state’s healthcare system is ranked among the top five in the nation, offering quality treatment options without long wait times.
The report used data from trusted sources including the U.S. Census Bureau, the Centers for Medicare and Medicaid Services (CMS), and state tax boards. Each state was scored across key categories:
The goal was to identify not just affordability but also long-term well-being and happiness. In 2025, more retirees are looking beyond warm weather and low costs they want community, safety, and purpose.
Here’s a breakdown of the ten best states for retirees this year:
1. New Hampshire
Low taxes, top-rated healthcare, and beautiful scenery make this the ideal retirement destination.
2. Iowa
Strong healthcare infrastructure and low housing costs push Iowa high up the list. It’s a great place for those looking for quiet, small-town living.
3. Delaware
Another tax-friendly state, Delaware offers easy access to East Coast cities while maintaining a slower pace.
4. Minnesota
Despite the cold winters, Minnesota’s excellent healthcare and senior programs give it a strong reputation among retirees.
5. Florida
Still a classic favorite, Florida offers warm weather and no state income tax. However, rising housing and insurance costs drop it a few spots.
6. Virginia
Combining coastal living, mountains, and top healthcare services, Virginia appeals to a variety of retirees.
7. Wisconsin
Affordable homes, good public services, and cultural events make Wisconsin attractive, especially for Midwesterners.
8. Utah
A rising star, Utah is gaining popularity for its active senior communities and access to national parks.
9. Colorado
Perfect for outdoorsy retirees, Colorado also ranks high in healthcare and community engagement.
10. Pennsylvania
A solid all-around state with low property taxes for seniors, plenty of historical charm, and solid medical access.
While some states remain popular in media and tradition, they failed to meet the high standards set by this year’s study.
California, for example, continues to struggle with high living costs and increasing taxes, making it difficult for fixed-income retirees. Similarly, New York lost points due to cost and weather, despite offering world-class healthcare.
Texas, while attractive for its no-income-tax policy, scored lower due to heat extremes, healthcare shortages in rural areas, and rising housing costs.
Today’s retirees are not just looking to relax they’re seeking healthy, engaging, and financially smart lifestyles. Key trends in 2025 include:
The rise in remote health services and community-based senior living options has also shifted how people plan their retirement years.
Before making a big move, retirees should consider the following:
It’s also wise to consult a financial planner who can compare the long-term benefits of one state over another based on your income and retirement goals.
In a year when Americans are more focused than ever on financial security, peace of mind, and quality of life, New Hampshire emerges as the gold standard for retirement in 2025. Its blend of economic advantages, healthcare access, and scenic charm makes it a clear winner.
Whether you’re planning to retire this year or simply thinking ahead, the rankings serve as a helpful guide to envision a future where peace, purpose, and well-being take priority.
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