10 Best Cities for Retirement if You Want All Four Seasons

INVESTING - SAVING FOR RETIREMENT
From coast to coast, these are the best places to spend your golden years if you can’t live without a change in the weather.
Updated Feb. 21, 2024
Fact checked
active seniors riding bike

We receive compensation from the products and services mentioned in this story, but the opinions are the author's own. Compensation may impact where offers appear. We have not included all available products or offers. Learn more about how we make money and our editorial policies.

Experiencing the explosion of life in the spring, warm summers, the beauty of fall, and peaceful winter snowfalls is an important part of retirement for many.

Not everyone wants to be a snowbird, and some retirees would rather avoid wasting money relocating.

These are the best cities to retire to if you love to experience the seasons.

Eliminate your late tax debt

Each year, the IRS forgives millions in unpaid taxes. If you have more than $10,000 in tax debt, or have 3+ years of unfiled taxes, you could get forgiveness too. You might be eligible to lower the amount you owe, or eliminate your tax debt completely.

Easy Tax Relief could help you lower or get out of your tax debt for good. They’re well respected in the industry and have been recognized for their ethical standards when dealing with tax debt. While most tax companies just put you on a payment plan and file your taxes for you, Easy Tax Relief talks to the IRS directly. They can help you pay off your tax debt faster while potentially reducing what you owe.

Important: Not everyone will qualify. To take advantage of this special program you must owe more than $10,000 in past-due taxes.

Fill out this form to get started

Corvallis, Oregon

Teressa L. Jackson/Adobe Dimple Hill Corvallis Oregon Mountains Forest

Corvallis is a city of around 60,000 people that has a mild four-season climate. The city is noted for its outdoor activities, such as biking, hiking, and fishing.

You can also enjoy the many vineyards and a walkable downtown area with artisan shops and small cafes.

Corvallis is home to The Arts Center, a stunning art gallery. You’ll want to visit The Majestic Theatre if you love live performances. As a West Coast city, Corvallis’ mild winters and beautiful summers make it a desirable location to live.


Ann Arbor, Michigan

mivod/Adobe wooden foot bridge in public park

Ann Arbor is a college town with much to offer retirees. 

The 124,000 people who live here spend warm summers on the lakes and Huron River, enjoy the fall leaves as they change color, and engage in activities like snowshoeing and cross-country skiing in the winter.

For the Michigan sports lover, there’s nothing quite like being this close to the University of Michigan's football team. The University of Michigan Museum of Art and the Michigan Theater round out your entertainment options.

New Haven, Connecticut

f11photo/Adobe cityscape of Connecticut

There’s something stunning about the leaves in the fall months in New Haven, but it's not the only enjoyable season here.

The spring is lovely as the countryside turns green, and summers usually are not unbearably hot. Winters can mean a fair amount of snow, but many people see that as a perk.

New Haven is home to Yale University. You will also find East Rock Park and Edgerton Park, both of which offer walking and hiking trails during the year.

Earn $200 cash rewards bonus with this incredible card

There's a credit card that's making waves with its amazing bonus and benefits. The Wells Fargo Active Cash® Card(Rates and fees) has no annual fee and you can earn $200 after spending $500 in purchases in the first 3 months.

The Active Cash Card puts cash back into your wallet. Cardholders can earn unlimited 2% cash rewards on purchases — easy! That's one of the best cash rewards options available.

This card also offers an intro APR of 0% for 15 months from account opening on purchases and qualifying balance transfers (then 20.24%, 25.24%, or 29.99% Variable). Which is great for someone who wants a break from high interest rates, while still earning rewards.

The best part? There's no annual fee.

Click here to apply now.

Nashville, Tennessee

SeanPavonePhoto/Adobe Nashville Tennessee USA

Famed for the Grand Ole Opry and other live music venues, Nashville offers a great quality of life and a moderate cost of living. It also experiences all four seasons, although typically in milder forms than you'll find farther north or south.

Nashville is one of the best places to retire if you want to be active. 

Learn to line dance or check out the country music venues in downtown Nashville. Canoeing, paddle-boating, and kayaking along the waterfront offer great fun as well.

Asheville, North Carolina

Kevin Ruck/Adobe Asheville North Carolina

For those who want more outdoor activities and less shovel-worthy snow, Asheville is a great choice. The Blue Ridge Mountains provide a stunning backdrop to the city, and the River Arts District offers a lot of cultural diversity.

Go hiking in the Craggy Gardens or spend some time fishing on one of several rivers in the area. Explore history at the Biltmore Estate or check off bucket-list items such as ziplining through the forest.

Lancaster, Pennsylvania

Christian Hinkle/Adobe Lancaster Pennsylvania with blooming trees

Choosing to retire in a relatively affordable city such as Lancaster can help you keep more cash in your wallet. It’s a great way to stay out of debt during retirement.

One of the best reasons to live in Lancaster is that you aren’t overwhelmed by a big city, but are still close enough to Philadelphia, Washington, and Baltimore for weekend trips.

Winters can be cold and snowy here, but a warm fire is enough to make it worthwhile. Summers are warm without being oppressively humid, and both spring and fall allow for ample outdoor experiences.


Portland, Oregon

SeanPavonePhoto/Adobe Portland Oregon USA downtown

Mild winters and warm summers make Portland a desirable place to live during retirement. A modern city with a big food scene, there’s always something happening here.

Hike Mount Hood or explore unique neighborhoods filled with diversity and culture. You can also enjoy events such as the annual PDX Jazz Festival and the Wooden Shoe Tulip Festival.

Dallas, Texas

SeanPavonePhoto/Adobe Dallas Texas USA

The Dallas/Fort Worth area certainly experiences all four seasons, but there's less risk of snow piling up. That makes the area a good choice for those who want four seasons, but especially mild winters.

Dallas is home to one of the largest art districts in the country. GeO-Deck — Reunion Tower's observation deck — gives you incredible views of the Dallas skyline.

Klyde Warren Park also offers festivals throughout the year and many walking paths for you to explore.

Fort Collins, Colorado

Jacob/Adobe aerial view of downtown Fort Collins Colorado in autumn

For those who dream of retirement with skiing in the winter and mountain hiking in the summer, Fort Collins is a treasure.

Just a short drive from Denver, this community is packed with outdoor charm, craft breweries, and big open spaces for biking, fishing, hiking, cross-country skiing, and boating.

With the Horsetooth Reservoir and Cache la Poudre River, finding outdoor activities is easy to do.

Take advantage of historically high rates to grow your wealth

Are your savings just sitting around, not earning much interest? It's time to make a change and put your money to work for you! With CloudBank 24/7, you can earn more interest on your money today ... while keeping your cash OUT of the stock market.

Here’s their secret: CloudBank 24/7 amplifies your money by doing what many banks refuse to do … paying you a rare 5.26% APY (annual percentage yield)12 on your cash.

When you deposit your money into this high-yield savings account, you can supercharge your emergency fund, short-term savings, return on cash, and more with interest income generated from their high 5.26% APY payout.

The best part? There are no fees, you can withdraw your money at any time, and opening an account takes as little as 3 minutes. CloudBank 24/7 is FDIC-insured through Third Coast Bank SSB and cybersecurity is a top priority, ensuring your data is kept safe.

Click here to open a CloudBank 24/7 online savings account


Portland, Maine

SeanPavonePhoto/Adobe Portland Maine skyline

Portland sits on Casco Bay, creating exceptional access to the Atlantic Ocean. From its charming cobblestone streets to the constant activity at the waterfront, Portland offers excitement and much to do.

The warm beaches in the summer make sunbathing enjoyable, but many find cold winters spent by the fireplace in this unpretentious city to be just as enjoyable.

Fall offers beautiful pops of color, and spring brings with it the promise of new hope.


Bottom line

vectorfusionart/Adobe senior couple dancing at beach

Whether you plan to retire early or expect to work for a while longer, there's no time like the present to imagine the perfect post-work life.

Visit the cities on this list at least once — or several times — to discover which is the right place to spend your golden years.

FinanceBuzz is not an investment advisor. This content is for informational purposes only, you should not construe any such information as legal, tax, investment, financial, or other advice.

Customers Bank High Yield Savings Account Benefits

  • Incredible 5.32% APY3 to boost your savings
  • Interest is compounded daily and posted to your account monthly
  • Enjoy 24/7 online access to your account and funds
  • FDIC insured, no fees, $1 minimum deposit

Author Details

Sandy Baker Sandy Baker is a has over 17 years of experience in the financial sector. Her experience includes website content, blogs, and social media. She’s worked with companies such as Realtor.com, Bankrate, TransUnion, Equifax, and Consumer Affairs.

Want to learn how to make an extra $200?

Get proven ways to earn extra cash from your phone, computer, & more with Extra.

You will receive emails from FinanceBuzz.com. Unsubscribe at any time. Privacy Policy

  • Vetted side hustles
  • Exclusive offers to save money daily
  • Expert tips to help manage and escape debt