The Best U.S. Cities to Retire in 2026
If you’re planning for retirement, the U.S. News Best Places to Retire rankings offer valuable insights into where to enjoy your next chapter. The annual report compares more than 850 cities across the U.S., evaluating factors such as affordability, health care access, quality of life, and taxes — all weighted based on feedback from adults aged 45 and older about their retirement priorities.
Midland, Michigan Tops the List for 2026
This year, Midland, Michigan takes the No. 1 spot as the best place to retire. Located roughly 80 miles north of Lansing, Midland earned:
- #8 in Quality of Life
- #11 in Affordability
- #18 in Tax Friendliness
With a median home value of $206,142, well below the national average, Midland offers both charm and value — plus abundant outdoor recreation and cultural amenities. Its appeal isn’t limited to retirees either; the city also ranks #32 on the Best Places to Live 2025–2026 list.
Expanded Rankings, New Opportunities:
In 2026, U.S. News expanded its scope from 150 to
859 cities, adding many smaller and more affordable communities — particularly across the
South and Midwest. This change allows lesser-known cities to gain recognition alongside larger metro areas. Of the 859 cities analyzed, the top
250 earned a spot on the
Best Places to Retire list.
Sun Belt States Continue to Shine
Southern states continue to dominate the rankings:
- Florida leads with 53 cities in the top 250.
- Texas follows with 41, and Michigan takes third with 21 cities, including 10 in the top 100.
Cities like Rochester Hills, Troy, and Livonia stand out for their affordability, tax advantages, and growing senior populations.
Top 10 Best Places to Retire in the U.S. (2026)
- Midland, Michigan
- Weirton, West Virginia
- Homosassa Springs, Florida
- The Woodlands, Texas
- Spring, Texas
- Rio Rancho, New Mexico
- Spring Hill, Florida
- Altoona, Pennsylvania
- Palm Coast, Florida
- Lynchburg, Virginia
Shifting Priorities for Retirees:
For the first time since the pandemic, quality of life surpassed affordability as the top factor for retirees. Today’s retirees are prioritizing community, connection, and well-being — not just cost of living.
The 2026 report also refined its
health care score, giving greater weight to proximity to general and specialized hospitals, reflecting growing concerns over hospital accessibility nationwide.
Key Takeaway:
The U.S. News 2026 rankings reflect a clear trend: retirees are increasingly seeking balance — affordability, livability, and access to care — all within vibrant, connected communities. Whether it’s the natural beauty of Michigan or the warm sunshine of Florida, there’s no one-size-fits-all destination, but plenty of promising options for your next move.
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Disclaimer:
This information is for educational purposes only and is not tax advice. Real estate transactions and tax laws are complex. You should consult with a qualified tax professional and a qualified intermediary to understand how these rules apply to your specific situation.
