Florida has long been regarded as an ideal destination for retirees across America. The sun is always shining, the nights are cool, and the scenery is stunning. However, it’s no secret that the state’s cost of living isn’t the friendliest, which is a major reason why this dream retirement spot isn’t as perfect as it could be. With this in mind, many retirees are moving toward other states that offer the same sunny days, safety, and excellent healthcare – all at a more affordable price. Here are two of the best.
The Quiet Wyoming
Starting us off is Wyoming, a state that combines value and safety perfectly. Many lists of the best states to retire in 2026 rank it highly, and with its favorable tax policies and affordability for daily living, we couldn’t agree more. As a retiree, you wouldn’t be expected to pay inheritance, estate, or income tax, which means your cash flow will be safe, and you’ll have more than a little something to leave your loved ones in the will. The state is also known to offer seniors robust elder-abuse protections, which, when coupled with its low violent-crime rate, make Wyoming an exceptional place to retire.
Iowa is Budget-Friendly
Iowa follows swiftly after Wyoming, especially for those looking to stretch a moderate income without necessarily tanking their healthcare. Many retirement reports rank this state among the best due to its low cost of living, strong healthcare system, and affordable housing. With a $50,000 annual budget, you can cover many expenses, such as housing and utilities, not to mention that the healthcare system scores highly for access and quality. Of course, violent crime rates are relatively low, reassuring retirees that quiet, calm life that is perfect for that age.
North Carolina’s Beaches and Mountains
North Carolina has always had a unique charm thanks to its varied scenery and milder climate. But what makes it a great place to move to in your retirement days is its great cost of living, tax burden, and healthcare system. You’ll spend less on living costs here, and have access to great Medicare, which we should mention ranks well above many Sun Belt peers in terms of quality. The state has many retiree-friendly communities, spread from its breathtaking sandy beaches to impressive mountains, something few states can claim.
Plan around Arizona’s Heat
Last but definitely not least is Arizona, which many associate with bright blue skies, a dry climate, and the Grand Canyon. For retirees, the state can be the perfect place to call home, especially if you’re interested in affordable living. The catch? Just stay relatively away from major metro centers, something that usually comes naturally for most retirees. Total monthly costs have been known to fall into the mid-$2000 range. Granted, summers can be brutally hot. However, during the rest of the year, the state has ideal weather for outdoor activities such as golf and hiking.
Sources:
“Cost of Living Index by State 2025.” World Population Review, 2026.
“Wyoming Taxes for Retirees: What to Know in 2025.” Raisin, 2025.
“America’s Best States to Retire in 2025.” Bankrate, 20 Jul 2025.
“The 13 Best States to Retire in 2026 (and the 7 Worst).” Choice Mutual, 3 Jun 2024.