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Everybody knows Florida has long been a top destination for retirees, offering warm weather, great tax advantages, and an enticing mixture of lifestyle options.
There are also many cities and communities to choose from. But which is the best? What are the top Florida cities to retire to?
Whether you’re looking for beachfront relaxation, vibrant city life, or an active retirement community, the Sunshine State provides something for every retiree.
This guide explores the best cities in Florida for retirement and looks at their affordability, healthcare access, and overall quality of life.
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Why retirees choose Florida
Before diving into the top retirement cities, let's look at a few reasons why Florida is always a popular choice for retirees:
- No state income tax: Retirees keep more of their income from Social Security, pensions, or investments.
- Mild year-round climate: The subtropical and tropical climate ensures warm winters and abundant sunshine.
- Affordable housing: While some Florida cities are pricey, many offer affordable homes compared to other coastal states.
- Plenty of recreation: Golf courses, beaches, nature trails, and cultural attractions keep retirees active.
- Top-rated healthcare: Florida has nationally ranked hospitals, but health insurance options vary.
Retirees should compare Medicare Advantage plans, specialist availability, and potential changes in provider networks when relocating to ensure continuity of care and manageable out-of-pocket costs.
Now, let’s explore the best Florida cities for retirement.
1. Sarasota
Sarasota consistently ranks among the best retirement cities due to its award-winning beaches, thriving arts scene, and strong healthcare system.
Best for: Cultural attractions and beautiful beaches
- Siesta Key Beach is rated among the best beaches in the world.
- Cultural attractions like the Sarasota Opera and Ringling Museum appeal to art lovers.
- Sarasota Memorial Hospital is one of Florida’s top-rated medical facilities.
Cost of Living:
- Median home price: $527,000
- Taxes: No state income tax, but property taxes vary by location
2. The Villages
The Villages is one of the largest and most popular 55+ communities in the U.S., offering a social and activity-packed retirement experience.
Best for: Active adult community lifestyle
- More than 3,000 clubs and activities keep residents engaged.
- A golf cart-friendly community allows residents to travel almost anywhere without a car.
- Low crime rates make it one of Florida’s safest retirement spots.
Cost of Living:
- Median home price: $385,000
- Additional costs: HOA fees and community dues vary by neighborhood
3. Naples
For those seeking an upscale retirement lifestyle, Naples offers white sandy beaches, high-end dining, and world-class golf courses.
Best for: Luxury retirement and coastal living
- Pristine beaches and access to Everglades National Park
- Luxury shopping, dining, and exclusive golf courses
- NCH Baker Hospital is nationally recognized for its high-quality care.
Cost of Living:
- Median home price: $634,900
- Taxes: Property taxes are moderate, but the overall cost of living is higher than in other Florida cities
4. St. Petersburg
St. Petersburg is an excellent option for retirees seeking a vibrant city with a laid-back coastal feel.
Best for: Arts and culture in a coastal setting
- Mild winters make it more comfortable than cities farther north while avoiding South Florida’s extreme heat.
- A walkable downtown features waterfront parks, museums, and outdoor dining.
- A thriving arts scene includes the Salvador Dalí Museum and Mahaffey Theater.
Cost of Living:
- Median home price: $427,000.
- Affordability: Slightly above the national average, but the lack of a state income tax helps retirees save.
5. Fort Myers
Fort Myers is an excellent choice for retirees looking for affordability combined with waterfront views.
Best for: Affordable waterfront living
- It features a lower cost of living than Naples and Sarasota.
- Outdoor activities include boating, fishing, and exploring nature preserves.
- Lee Health provides top-rated medical care.
Cost of Living:
- Median home price: $386,800
- Lower overall cost of living compared to other coastal Florida cities
6. Melbourne
Located on Florida’s Space Coast, Melbourne offers beachfront living at a more affordable price than South Florida.
Best for: Affordable beachfront living
- Scenic beaches and parks provide outdoor recreation without heavy tourist crowds.
- Its proximity to Orlando gives access to world-class entertainment and medical facilities.
- A strong retiree community features several 55+ communities with resort-style amenities.
Cost of Living:
- Median home price: $397,500
- Affordability: Below the Florida average, making it attractive for budget-conscious retirees
7. Ocala
Ocala offers small-town charm, affordability, and access to nature for retirees who prefer a quieter, inland setting.
Best for: Small-town charm and affordability
- Ocala offers a lower cost of living compared to Florida’s coastal cities
- The equestrian lifestyle makes it ideal for horse lovers—Ocala is known as the “Horse Capital of the World.”
- There is less hurricane risk due to its inland location, reducing the risk of storm damage.
Cost of Living:
- Median home price: $268,800, among the lowest in Florida.
- Affordability: Low utility costs and healthcare expenses
Choosing the best Florida city for your retirement
When selecting a retirement destination, consider the following factors:
- Budget: What can you realistically afford regarding housing, property taxes, and living expenses?
- Lifestyle preferences: Do you want a beachfront location, an active community, or a quiet inland retreat?
- Healthcare access: Look for cities with highly rated hospitals and specialized medical care.
- Climate preferences: South Florida is warmer year-round, while North Florida experiences cooler winters.
Considering accessibility and transportation in retirement
Beyond cost and lifestyle, retirees should consider accessibility to family and transportation options.
Cities with nearby airports, like Sarasota-Bradenton International or Southwest Florida International in Fort Myers, provide easier travel access for visiting family or seasonal trips.
Additionally, some retirees prefer communities with strong public transit or walkability to avoid relying on a car for daily activities.
Evaluating these factors can help ensure long-term comfort and convenience in your retirement location.
Top Florida cities to retire—Closing thoughts
Florida offers many retirement options, from luxury coastal communities to affordable inland towns.
Whether you prioritize golf, cultural activities, or a low cost of living, you'll find a sunny Florida city that fits your retirement needs.
Looking to finance your dream retirement home?
One of the best first steps to finding your best retirement condo or second home in Florida is to start your mortgage application with MIDFLORIDA.
We have dozens of financing options for a wide variety of retirement goals.
Secure the perfect home for your next chapter. Apply with MIDFLORIDA today.
