The 15 Worst U.S. Cities for Retirement

If you want to make the most of your golden years, avoid these cities with low affordability, subpar health care, and more.

Older woman on a beach
Updated June 6, 2024
Fact checked

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.

You’ll often come across lists with the best places to retire, citing reasons like great hospital systems, low taxes, and an abundance of retiree-friendly activities. But what about the cities to avoid?

Not all places are created equal, and these 15 cities may be great — but not for your later years. Whether it’s due to a lack of affordability or a poor hospital system, these cities rank low on the list of top places to retire. In fact, they’re the worst places in the country to retire.

You could boost your retirement fund by dodging the following less-than-ideal cities.

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

Beverly Hills, California

Roza_Sean/Adobe road sign

It may not come as a surprise that glamorous Beverly Hills is one of the worst places to retire in the United States. 

With an average home value of over $6 million, your retirement funds better be skyrocketing to afford this star-studded city. Additionally, annual expenditures will run close to $260,000 annually.

Bridgeport, Connecticut

Trudy/Adobe houses in connecticut on a foggy day

While Bridgeport has a good health care system, which is a bonus for retirees, it unfortunately isn’t retirement-friendly in many other areas. 

It’s generally seen as a high-cost-of-living area and doesn’t provide a vibrant social and activity scene for older residents. Plus, Connecticut has some of the highest taxes in the country.

Kahului, Hawaii

pikappa51/Adobe view of kahului from kanaha beach

Located in Hawaii, which has the second-highest income tax in the country, Kahului may be beautiful, but it’s not great for retirees. 

Less than 18% of the population is over 65, and for those who do make Kahului home, the average home is going to cost them over $920,000. 

High home costs and high taxes on retirement income? That’s not a great way to retire.

Note: Hawaii doesn’t tax Social Security benefits, but those likely won’t be enough to sustain you in Kahului.

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.

Newark, New Jersey

SeanPavonePhoto/Adobe Newark New Jersey USA

A poor hospital system, lack of retirement-friendly activities, low affordability, and low quality of life all factor into Newark being one of the worst places to retire. 

You’ll pay $419,296 for the average home and have the sixth-highest tax burden of all states. There are few advantages to retiring here besides an airport and access to New York City.

San Bernardino, California

Matt Gush/Adobe twilight sunset view of the skyline of downtown San Bernardino California

While San Bernardino has one of the lowest cost-of-living scores in Southern California, that doesn’t necessarily mean it’s a good place to retire. 

For a lower cost of living close to Los Angeles, you’ll go without a top-ranked health care system, a vibrant community, and activities for all ages.

Detroit, Michigan

SeanPavonePhoto/Adobe skyscape of detroit michigan at midnight

While some lists will rank Detroit among good places to retire because Michigan is a low-tax state with a low cost of living, those shouldn’t be the only considerations. 

Detroit ranks poorly in both its health care system and quality of life, which are important when you’re looking to enjoy your later years.

Vancouver, Washington

PaulMassiePhoto/Adobe i-5 bridge to vancouver wa

Vancouver has an above-average cost of living compared to the rest of the country.

Even with no income tax, the expensive housing market (with an average housing price of just under $500,000), traffic, dreary weather, and a middle-of-the-road health care ranking make it a less-than-desirable place to retire.

Baltimore, Maryland

Kevin Ruck/Adobe Baltimore Maryland MD Inner Harbor Skyline Aerial

With housing and groceries above the national average and a Maryland state tax burden that ranks eighth-highest in the country, Baltimore is not a friendly place for retirees. 

However, it does have access to the Johns Hopkins University and University of Maryland Medical College health systems, which could be a draw for some residents.

Wichita, Kansas

SeanPavonePhoto/Adobe Wichita, Kansas

Wichita has some good things going for it when it comes to retirement. The average home price is $186,000, and the cost of living is 9% lower than the national average. 

But it ranks poorly for its health care system, activities, and quality of life, which may not outweigh the economic advantages.

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 5.22% 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 5.22% 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.

Limited Time Bonus: Earn up to $2,000 when you refer friends and family to Raisin. Visit site to learn more.

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

Rancho Cucamonga, California

David/Adobe north etiwanda preserve

With its high income taxes, it’s not shocking that California cities repeatedly show up as the worst places to retire. 

In Rancho Cucamonga, the health care system, activities, and affordability also hurt retirees. Plus, you’ll pay an average of $736,000 for a home here.

Lubbock, Texas

Patricia E. Thomas/Adobe green park with benches and trees in lubbock town square

There are some good things about Lubbock. The cost of living is 10% below the national average, and housing is 16% below the national average. 

There’s no income tax in Texas, but those don’t outweigh Lubbock’s poor quality of life, lack of activities, and below-average health care system.

Lynnwood, Washington

Tabor Chichakly/Adobe picture lake reflecting Mount Shuksan

Lynnwood may have access to beautiful Pacific Northwest landscapes, but that doesn’t mean it’s a great place to retire. 

It has a higher-than-average cost of living and an average housing price of over $792,000. Plus, only 16.6% of its population is over 65.

Wilmette, Illinois

nejdetduzen/Adobe autumn colors in Wilmette park

Charming Wilmette may seem like an idyllic place for Chicago retirees to escape the city, but it’s going to cost them — and that makes it one of the worst places to retire. 

You’ll pay over $833,000 to buy a house in Wilmette, and its property taxes are the second-highest in the country, so even if you own your home outright, you’re still paying a pretty penny.

Miami, Florida

sborisov/Adobe A lifeguard stand

Snowbirds love Miami, but that doesn’t mean it’s the best place for their wallets to spend their older years. 

With an average home price of $1,974,304, Miami isn’t going to be friendly for retirees looking to save, even if they’re in the market for no income tax. This is when life at The Villages starts to look more appealing.

Brookline, Massachusetts

Tamar/Adobe larz anderson park in brookline

Dreaming of a picturesque New England retirement? Skip Brookline, Massachusetts. 

You’ll pay $2,245,366 for the average home in Brookline, and yearly expenditures will run you nearly $100,000. Those numbers require a lofty level of financial fitness.

Plus, Massachusetts residents pay the highest median individual tax burden each year, which only adds to its lack of affordability for retirees.

Bottom line

Rafa Fernandez/Adobe Couple holding a document

While all of these facts and figures speak to whether a city is a good or bad place to retire from an objective standpoint, they do miss one key factor: relationships. 

Not every decision should be about how to avoid throwing money away.

Does your family live nearby? That’s a good place to retire (assuming you get along with them!). Did you grow up in this city and have lifelong friends here? Those deep relationships could outweigh any tax burden when deciding where you want to plant your roots in your golden years.

CloudBank 24/7 Savings Benefits

  • Incredible 5.22% APY1 to boost your savings
  • Enjoy 24/7 online access to your account and funds
  • Interest is compounded daily and posted to your account monthly
  • Powered by Raisin's intuitive savings marketplace
  • FDIC insured through Third Coast Bank SSB, no fees, $1 minimum deposit
  • Limited Time Bonus: Earn up to $2,000 when you refer friends and family to Raisin. Visit site to learn more.

Author Details

Heather Bien

Heather Bien is a writer covering personal finance and budgeting and how those relate to life, travel, entertaining, and more. With bylines that include The Spruce, Apartment Therapy, and mindbodygreen, she's covered everything from tax tips for freelancers to budgeting hacks to how to get the highest ROI out of your home renovations.