September 9, 2025

Florida Ranks as Top State for Retirement

News Summary

A recent WalletHub study has ranked Florida as the best state for retirement for 2024 and 2025. Three cities from Florida, including Orlando, Miami, and Tampa, made the top five list for U.S. cities that cater to retirees. This evaluation highlighted Florida’s lack of personal income tax as a major draw, and various cities were recognized for their healthcare services and recreational activities that bolster the quality of life for seniors.

Orlando, Florida – A recent study by WalletHub ranks Florida as the top state for retirement in both 2024 and 2025, underscoring its appeal to retirees. The enthusiasm surrounding this news is highlighted by the fact that three Florida cities made it into WalletHub’s top five best U.S. cities for retirees. Orlando leads the list, a surprising nod considering its well-known associations with themed attractions.

In addition to Orlando’s prime ranking, other Florida cities are also recognized in the top five. Miami secures the fourth spot, while Tampa claims the fifth position. Fort Lauderdale is another Florida city making the top ten, placing seventh overall, further supporting Florida’s reputation as a retirement haven.

WalletHub’s comprehensive analysis evaluated 150 of the most populated U.S. cities using 45 distinct metrics that included affordability, recreational activities, quality of life, and healthcare services. Factors such as Florida’s absence of personal income tax, estate tax, and inheritance tax enhance its attractiveness, particularly for retirees looking to maximize their finances in their golden years.

The state’s funding per senior from the Older Americans Act also plays a critical role in supporting the elderly population. This funding aids transportation, nutrition, and homemaking programs, thereby enriching seniors’ lives within the community. Florida also boasts the third-lowest death rate for individuals aged 65 and older, further solidifying its status as a favorable retirement option.

Although Orlando’s cost of living is relatively high compared to other cities, it ranks as the ninth-cheapest city for homemaker services and the 20th-cheapest city for adult day health care. These metrics illustrate why retirees might find the city manageable despite higher living costs. With a rich array of recreational offerings, Orlando ranks as the third-best city for retirement leisure activities, featuring music venues, fishing facilities, art galleries, and various volunteer opportunities, catering extensively to its senior population.

Healthcare services are also a prominent feature of Orlando’s retirement landscape. The city ranks 19th for the availability of gerontologists, 6th for home health care facilities, and 7th for specialized geriatric hospitals, which are crucial in addressing the unique health needs of seniors.

Florida’s demographic profile reinforces its retirement appeal, with over 21% of its population aged 65 and older. The economic landscape for retirees is further evident with Leesburg named as the fastest-growing retirement boomtown, boasting an impressive growth rate exceeding 54.8% since 2018. GOBankingRates has recognized twelve Florida cities among the fastest-growing retirement haven locales.

Florida’s standing in affordability took a hit in 2023 due to rising inflation, causing a drop to eighth place. However, the state has regained its top position for 2025, making it a competitive destination for retirees concerned about budget management. Various retirement communities across Florida offer diverse amenities tailored to the needs and preferences of seniors, making it a fitting environment for those looking to enjoy their retirement years.

Specific towns like Gulf Breeze, Key West, and Naples stand out as particularly desirable retirement spots due to their favorable population demographics and recreational offerings. Moreover, unique communities such as The Villages are recognized for their wide range of activities and social clubs designed for senior residents. Despite misconceptions regarding an active social lifestyle, The Villages fosters a community-oriented atmosphere where residents engage in numerous social events.

Finally, Florida’s climate plays a significant role in its attractiveness as a retirement destination. The state is renowned for its pleasant winter weather, drawing retirees from northern areas seeking milder conditions. This enduring allure makes Florida a quintessential choice for those entering retirement.

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Additional Resources

Author: STAFF HERE ORLANDO WRITER

ORLANDO STAFF WRITER The ORLANDO STAFF WRITER represents the experienced team at HEREOrlando.com, your go-to source for actionable local news and information in Orlando, Orange County, and beyond. Specializing in "news you can use," we cover essential topics like product reviews for personal and business needs, local business directories, politics, real estate trends, neighborhood insights, and state news affecting the area—with deep expertise drawn from years of dedicated reporting and strong community input, including local press releases and business updates. We deliver top reporting on high-value events such as Orlando International Fringe Theatre Festival, Megacon Orlando, and Central Florida Fair. Our coverage extends to key organizations like the Orlando Economic Partnership and Hispanic Chamber of Commerce Metro Orlando, plus leading businesses in leisure and hospitality that power the local economy such as Walt Disney World Resort, AdventHealth, and Universal Orlando. As part of the broader HERE network, including HEREJacksonville.com, HEREPetersburg.com, HERETallahassee.com, and HERETampa.com, we provide comprehensive, credible insights into Florida's dynamic landscape.

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