12 Mountain Towns Realtors Say Will Become Retirement Hot Spots in 2025

A mountain town can be an idyllic spot to spend your golden years. Although snowy conditions may arise in some mountain areas, retirees can often find a slew of benefits to offset the winter weather.

We explore some of the top mountain towns real estate agents expect to boom in 2025 below. And while some of these towns are affordable, others might require you to do a little more work when it comes to stretching your dollars a little further to lower your financial stress, so it's important to consider your retirement budget before you start planning to make a move.

If you love the idea of living in the mountains, Tucson might be the perfect fit.

That's because Tucson has a lot of clean air, which has earned it the nickname of Bicycle Town, according to Tony Ray Baker, REALTOR ® with RE/MAX Professionals of Tuscon, Arizona.

Baker says the region is also known for its festivals and events, something that could appeal to retirees looking for more culture, and it is a United Nations Educational, Scientific, and Cultural Organization (UNESCO) city when it comes to gastronomy.

"The activity level if you are a mountain person is amazing," Baker continues, noting that you can head up the mountains in every direction, and hike into stunning waterfalls like Seven Falls.

"You can be in Pine Trees in 40 minutes in Mt. Lemmon and be at a ski resort," he adds. "Observatories surround all the mountains, so we are a city of astronomy."

Beyond the top-tier access to nature and 350 days of sunshine, Arizona doesn't levy income taxes on Social Security retirement benefits. Additionally, the city is home to Banner-University Medical Center, which has been ranked as the third-best hospital in the state.

For retirees seeking more natural beauty, Oro Valley could be a good fit thanks to what Baker refers to as a "pristine" region that offers up all the amenities you'd expect to have access to in a mountain town.

"It has beautiful views of the Pusch Ridge, which is around 9,000 feet, so you will have snowcapped mountain views," he adds for retirees who'd rather take in the sights than climb to the nearest peak.

As a suburb of Tucson, Oro Valley residents maintain access to a highly-rated hospital. Plus, low crime rates and a plethora of active retirement communities make it an appealing place to enjoy those sunny days.

Again, Arizona doesn't levy income taxes on Social Security retirement benefits, which benefits Oro Valley residents.

Colorado is home to breathtaking mountain vistas. While some mountain towns in the state are well-known, those gems off the beaten path might appeal to retirees seeking less hustle and bustle.

Andrew Fortune, REALTOR ® and founder of Great Colorado Homes, recommends Buena Vista and Salida as possible options.

"They are smaller towns with quirky shops, cute restaurants, and amazing opportunities to get out and explore nature," says Fortune.

"The main attraction is that the Arkansas River runs right through both of them," Fortune continues, noting that Buena Vista has perfect views of the collegiate peaks, and prices in both cities are much less expensive than in Aspen, Vail, or Breck."

"These towns have been gaining popularity with Colorado locals and are likely to become very popular online over the next year," he says.

Although you'll enjoy a small-town feel, Buena Vista offers active adult communities designed to help you plug in to a growing community. Additionally, Colorado offers seniors a tax break on Social Security income taxes, you'll be able to deduct up to $20,000 in retirement income from your state taxable income.

For nature enthusiasts, Whitefish, Montana might be the perfect spot to retire to.

"Whitefish appeals to a more subdued tourist seeking year-round outdoor activities; top-rated skiing in the winter and immaculate lakes for kayaking in summer," according to Tim Choate, founder and CEO of RedAwning, a vacation rental network.

"But there's also something about Whitefish's peaceful Main Street ambiance that inspires a quiet confidence, one that has drawn fresh purchasers looking for a slow tempo," Choate adds.

When it comes to costs, many retirees can appreciate the lack of a sales tax and relatively low property taxes. However, most retirees do pay state income taxes on their Social Security retirement benefits, which is something to keep in mind.

For many, the natural beauty makes Whitefish the perfect spot. But it's important to realize that harsh winters and the lack of a major hospital could pose a problem for retirees in their later years.

Pagosa Springs draws in potential retirees with beautiful sights and somewhat affordable price points.

"It's been quietly gathering pace with those who see outside the more well-known ski resorts," Chaote continues, noting that it offers a special blend of hot springs tourism and breathtaking mountain scenery.

Colorado retirees enjoy some tax breaks on their Social Security income, but it's important for anyone considering Pagosa Springs to realize that you'll be moving to a very remote location. While you'll be several hours away from a major airport, some retirees may welcome the slower pace of life thanks to all of the peace and quiet the region provides.

For those seeking a mountain town in the Southeast, Blue Ridge might fit the bill.

"With its breathtaking landscapes, lively arts scene, and rich history, the Blue Ridge Mountains in North Georgia offers a perfect blend of natural beauty and vibrant culture," says Thomas Echea, a Compass real estate advisor.

"Whether you're drawn to the scenic hiking trails, the quaint downtown filled with local shops and eateries, or the welcoming community spirit, Blue Ridge is a haven for those seeking a serene yet dynamic lifestyle," Echea continues.

Retirees can appreciate the fact that Georgia doesn't tax Social Security benefits. Additionally, withdrawals from pensions and retirement accounts are only partially taxed. Overall, the cost of living in Blue Ridge is on par with the rest of the country, which could be low enough for retirees to stretch out their savings in this beautiful mountain setting.

Retirees looking for a taste of luxury in a mountain setting might enjoy the exclusive enclave of Highlands, North Carolina.

"Highlands, North Carolina is a true homage to all four seasons with an energy of approachable luxury," says Cristie Riley, managing broker and lead agent for Compass' Pridemore Mountain Division.

"Surrounded by waterfalls, hiking trails, premier golf courses and stunning lakefront vistas, the welcoming Highlands community appeals to such a wide variety of interests and people," Riley continues. "The charming, small town atmosphere and excellent shopping, dining and entertainment options make Highlands a perfect location nestled in the scenic Blue Ridge Mountains."

North Carolina retirees won't have to pay state income taxes on their Social Security income. Plus, the area is home to many adult retirement communities, which can make it easier to connect with your new neighbors.

For retirees seeking seasonal activities, Blowing Rock offers a rotating selection.

"The High Country trio of Boone, Blowing Rock and Banner Elk, North Carolina continues to impress," says David Worters, a broker with Compass Carolinas.

"With three distinct peak seasons — ski season, golf season, and foliage season — there is a nearly year-round demand for quality properties, especially those with a multi-layered long mountain view," Worters continues.

"Appalachian State University is the nucleus of the Boone community, and Blowing Rock retains its timeless sense of nostalgia and prestige. Just as in the major metros, well-maintained homes in this mini-triangle of mountain communities sell very, very quickly."

Since North Carolina retirees won't have to pay state income taxes on their Social Security income, you can stretch your income further in the Tar Heel state. The fact that there are plenty of retirement communities also make it easy to find a suitable home in the area. Additionally, you'll find three hospitals in the area to make medical care somewhat easy to find.

It's tough to beat the natural beauty of Jackson Hole, which sits in close proximity to Yellowstone National Park. Retirees with a taste for adventure might enjoy living here. Additionally, those seeking unique properties with outstanding views might decide to move to Jackson Hole.

"It's incredible the widespread interest and admiration for once-in-a-lifetime kind of properties that have become a growing demand for the unique and immersive lifestyle that Jackson Hole and Wyoming have to offer," says Latham Jenkins, an associate broker with Live Water Properties.

Wyoming doesn't impose state income taxes, which means your retirement income won't be pinched by a tax bill. But retirement in Jackson Hole is far from cheap. In fact, it's expensive to put down roots in this town. But, for retirees with deep pockets, this might not be a problem.

If you are looking for natural beauty, seeking out a home near Rocky Mountain National Park could set you up for an adventure-filled retirement.

"Granby, often overlooked in favor of Winter Park, is quickly becoming a standout investment opportunity," says Brett Johnson, professional real estate investor, licensed Colorado real estate agent, and owner of New Era Home Buyers.

Johnson continues, "It is close enough to Rocky Mountain National Park and Lake Granby to ensure year-round interest from outdoor enthusiasts, yet the more subdued nature of the town and its growing amenity base will also attract families seeking quiet mountain getaways."

Colorado retirees enjoy some tax breaks on their Social Security income. Although the town only has a single hospital, highly-rated medical care in Denver is only an hour and a half down the road.

If you want to live at the gateway to the Grand Canyon, Flagstaff has a lot to offer.

"Flagstaff is a college town with a cool vibe," according to Baker. "It has easy access to skiing and outdoor activities, Flagstaff has a lot going for it."

Arizona's lack of income taxes on Social Security retirement benefits can help you stretch your dollars further in your golden years. If you are looking to plug into your new community as a volunteer, Northern Arizona University connects seniors to organizations in need of volunteers, which might help you settle in faster.

Retirees looking for a mountain town with ample access to the outdoors might enjoy Prescott, Arizona. "Prescott is a quaint town that people love," according to Baker. "It is developing very nice, pristine neighborhoods. People who want less of the university town vibe and a more laid-back mountain vibe should consider Prescott."

In addition to the favorable tax situation for retirees in Arizona, many active adult communities offer a comfortable place to call home. Although there is one hospital in town, the robust medical facilities in Phoenix are only an hour and a half down the road.

As you map out your retirement years, picking the right place to call home can make all the difference. But, before making a big move, you're going to want to run all of the numbers.

In some cities, you'll enjoy a lower cost of living to maximize your retirement savings. But in others, you might need to earn extra income to stay afloat.