10 Reasons New Hampshire Is Hands Down the Best State To Retire

Florida has its beaches, and Arizona has the sunshine. But if you're dreaming of retiring in fresh mountain air and small-town charm, the Granite State might be for you.

New Hampshire's historic towns and cities have much to offer, and Boston is just a short drive from almost anywhere. Accessing top-notch medical care and cultural attractions doesn't mean giving up a quieter lifestyle. And while New Hampshire isn't often in the limelight, a simple way of life and a strong sense of independence are reflected in the state motto, "Live Free or Die." That's partly why it earned the top spot in Bankrate's 2025 Best and Worst States to Retire Study.

Here's why New Hampshire could be the perfect place to settle for a stress-free retirement.

New Hampshire ranks first in the U.S. for neighborhood safety, which makes it an ideal place to enjoy retirement. Whether you're walking to the local farmers market or enjoying a night out, you want to feel safe. Fewer property crimes and lower rates of violent crime mean more peace of mind.

Access to reliable health care is essential in retirement, and New Hampshire ranks fifth in the nation for quality medical services. The state is home to respected hospitals and specialists, with a strong focus on preventive care. Whether you need routine checkups or ongoing treatment, you'll find highly rated providers without traveling far.

New Hampshire ranks sixth in Bankrate's annual retirement study for tax friendliness, thanks in part to a major retiree perk: no state income tax and no sales tax. That means your Social Security benefits, pension, and retirement savings go further. It also makes everyday purchases a little less expensive.

New Hampshire isn't the cheapest state, but the cost of living ranks 14th in affordability. Keep in mind that housing, utilities, and general expenses are lower in the northern towns. Southern areas, especially near Boston, can be pricey. If you're looking for a balance between comfort and cost, however, New Hampshire is worth considering.

New Hampshire ranks seventh in having a large percentage of mature adults. According to the most recent census, the median age is 43.1, and 18.7% of adults are 65 or older. That can make it easier to connect with like-minded neighbors and participate in social groups, fitness classes, or volunteer opportunities. Whether you're looking for friendships or simply a sense of belonging, you're likely to find it here.

New Hampshire ranks eighth in Bankrate's "miscellaneous" category, which includes air quality, clean water, walkability, and community well-being. These factors can make a big difference in daily life. Many towns offer pedestrian-friendly layouts, and the air and water quality are among the best in the country.

The state ranks 15th for arts and entertainment, so there's much more in New Hampshire than scenic views. You'll find local theaters, art galleries, community centers, seasonal festivals, and music events, even in smaller towns. If you want to stay active and engaged, there's no shortage of things to do beyond outdoor activities.

New Hampshire makes it easy to stay active year-round. Do you enjoy hiking, boating, cross-country skiing, or simply walking through a local park? Access to nature can support better health and well-being, and it doesn't require a gym membership or a big budget. It's a lifestyle that encourages movement at any age.

In New Hampshire, spring begins with tapping sugar maple trees in lingering snow that soon gives way to wildflowers. Summer is warm and humid, but extreme heat is rare. Autumn is brisk, with brilliant fall foliage drawing visitors from around the country. And while winter is cold and snowy, it has its own kind of charm. If you're tired of year-round sameness or sweltering summers, New Hampshire offers refreshing variety.

New Hampshire's state motto, "Live Free or Die," says a lot about the culture. The state offers a quieter lifestyle with strong community ties and less commercial sprawl. Many retirees appreciate the slower pace, traditional values, and the freedom to shape retirement on their own terms.

New Hampshire may not be the first place people think of for retirement, but it offers just the right mix of practicality and beauty. With high rankings from Bankrate in health care, safety, and affordability, plus walkable towns and plenty of recreation, it's easy to see why the Granite State is a great place full of benefits for seniors.

It's also home to some unique natural landmarks, including Mount Washington, the highest peak in the Northeast, and Lake Winnipesaukee, one of the region's largest, most scenic lakes. Whether you're drawn to nature, culture, or just a quieter pace of life, you might want to put New Hampshire at the top of your list.