One of the biggest questions employees ask themselves before they retire is how they can make their retirement dollars last longer. Moving to a city with a better cost of living can allow retirees to still live the good life without costing them all of their savings. Likewise, avoiding a city with high costs of living is just as important. Some regions of the country are more expensive than others, many of them situated along the West and East coasts of the U.S.
WalletHub, an online personal finance site, researched the Best & Worst Places to Retire by comparing 46 metrics across more than 180 cities, including cost of healthcare, affordability, things to do and quality of life.
Four key dimensions were measured: affordability (including taxpayer-friendliness and adjusted cost of living); activities (theaters per capita and recreation-friendliness); quality of life (including age-friendly community and mild weather) and healthcare (including care facilities per capita and suicide rate for elders). Each metric was graded on a 100-point scale, with a score of 100 representing the most favorable conditions for retirement.
Total score: 42.94 Affordability rank: 94 Activities rank: 86 Quality of life rank: 178 Healthcare rank: 148
24. Oceanside, California
An aerial view of the city of Oceanside, California including the Oceanside Pier located in northern San Diego County.
Art Wager/Getty Images/iStockphoto
Total score: 42.92 Affordability rank: 152 Activities rank: 127 Quality of life rank: 24 Healthcare rank: 106
23. Yonkers, New York
Yonkers is the fourth most populous city in the U.S. state of New York. Yonkers directly borders the Bronx and is located two miles north of Manhattan at the municipalities' closest points
Total score: 42.66 Affordability rank: 180 Activities rank: 43 Quality of life rank: 61 Healthcare rank: 64
22. Burlington, Vermont
Burlington, Vermont, USA at Church Street Marketplace.
Total score: 42.56 Affordability rank: 176 Activities rank: 52 Quality of life rank: 129 Healthcare rank: 16
21. Fort Wayne, Indiana
Downtown Fort Wayne, Indiana Skyline, including Allen County Courthouse.
Total score: 42.40 Affordability rank: 89 Activities rank: 160 Quality of life rank: 146 Healthcare rank: 138
20. Chula Vista, California
Sunrise over Otay Lakes in Chula Vista, CA. HDR image taken with graduated filters, and with the camera mounted on a tripod.
Total score: 42.39 Affordability rank: 152 Activities rank: 165 Quality of life rank: 18 Healthcare rank: 102
19. Fort Smith, Arkansas
Total score: 42.38 Affordability rank: 42 Activities rank: 168 Quality of life rank: 168 Healthcare rank: 169
18. Oxnard, California
Oxnard Palm Trees
Total score: 42.07 Affordability rank: 138 Activities rank: 164 Quality of life rank: 66 Healthcare rank: 145
17. Fontana, California
Many cookie cutter homes show the overwhelming San Bernardino County growth as seen from North bound 15
Total score: 41.48 Affordability rank: 126 Activities rank: 167 Quality of life rank: 123 Healthcare rank: 156
16. Rancho Cucamonga, California
Pacific Coast Highway Road Sign
Total score: 41.33 Affordability rank: 140 Activities rank: 146 Quality of life rank: 90 Healthcare rank: 137
15. Riverside, California
Total score: 41.03 Affordability rank: 124 Activities rank: 162 Quality of life rank: 116 Healthcare rank: 127
14. San Bernardino, California
Total score: 40.86 Affordability rank: 99 Activities rank: 115 Quality of life rank: 174 Healthcare rank: 162
13. Worcester, Massachusetts
Winter in Downtown Worcester Massachusetts. Worcester is a city and the county seat of Worcester County, Massachusetts, United States. The city is the second largest city in New England after Boston. A center of commerce, industry, and education, Worcester is also known for its spacious paks and plentiful museums and art galleries
Total score: 40.83 Affordability rank: 141 Activities rank: 116 Quality of life rank: 162 Healthcare rank: 87
12. Wichita, Kansas
Total score: 40.75 Affordability rank: 125 Activities rank: 136 Quality of life rank: 169 Healthcare rank: 130
11. New Haven, Connecticut
New Haven is the second-largest city in Connecticut after Bridgeport and the sixth-largest in New England. New Haven is known for its established theaters, museums, music venues and New Haven-style pizza
Total score: 40.58 Affordability rank: 163 Activities rank: 74 Quality of life rank: 154 Healthcare rank: 83
10. Fresno, California
Fresno is a city in central California, United States, the county seat of Fresno County. It is the fifth largest city in California, the largest inland city in California
Total score: 40.54 Affordability rank: 98 Activities rank: 177 Quality of life rank: 144 Healthcare rank: 151
9. Modesto, California
This beautiful park in Modesto California is on the east side off of Yosemite Blvd. with picnic area and tables along with lawn, landscaping and beautiful water spray in the small lake with colorful trees and reflections in the water.
Total score: 39.99 Affordability rank: 104 Activities rank: 182 Quality of life rank: 132 Healthcare rank: 168
8. Jersey City, New Jersey
Total score: 39.19 Affordability rank: 175 Activities rank: 102 Quality of life rank: 60 Healthcare rank: 120
7. Bakersfield, California
Total score: 38.40 Affordability rank: 96 Activities rank: 178 Quality of life rank: 131 Healthcare rank: 182
6. Providence, Rhode Island
Providence, Rhode Island, USA city skyline on the Providence River at twilight.
Total score: 37.38 Affordability rank: 168 Activities rank: 53 Quality of life rank: 177 Healthcare rank: 150
5. Stockton, California
Total score: 36.40 Affordability rank: 112 Activities rank: 179 Quality of life rank: 166 Healthcare rank: 174
Total score: 35.84 Affordability rank: 148 Activities rank: 66 Quality of life rank: 182 Healthcare rank: 163
3. Warwick, Rhode Island
Pawtuxet Village is a section of the New England cities of Warwick and Cranston, Rhode Island.
Total score: 35.71 Affordability rank: 168 Activities rank: 123 Quality of life rank: 159 Healthcare rank: 152
2. Bridgeport, Connecticut
Bridgeport is a seaport city in the U.S. state of Connecticut. It is the largest city in the state and is located in Fairfield County
Total score: 34.83 Affordability rank: 181 Activities rank: 151 Quality of life rank: 133 Healthcare rank: 88
1. Newark, New Jersey
Assorted cars passing a downtown area of office buildings along State Highway 21 in Newark, NJ. aRGB profile.
Total score: 33.86 Affordability rank: 174 Activities rank: 78 Quality of life rank: 172 Healthcare rank: 171