America’s 50 Most Livable Retirement Towns

A lot pension Living towns can be cheap, but it lacks the necessary livability for retirees to enjoy a comfortable lifestyle.

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The 50 towns in Gamingrates’s new original work are listed in the order of livability index scores caused by Areavibes to represent the most livable pension towns of the country. This study referred to the US census 2023 5 -year American Community Research for cities with a total population and cities with a population percentage of 65 years and older, and at least 33%and median household income in each position.

Basic findings

• Dunedin, Florida was the most livable pension town of the country. The city’s 84 aging points pushed him to the top. Approximately 35% of the population is 65 years and older.

• The three most livable retirement towns are in Florida. Dunedin, Ormond Beach and Sebastian have 83 or 84 livability points.

• Florida towns dominated, 26 in the top 50. Seven, Dunedin (#1), Ormond Beach (#2), Sebastian (#3), Gulfport (#6), Estero (#8), Napoli (#9) and Venice (#10).

• Eight Arizona City made this list: Oro Valley (#5), Cottonwood (#11), Prescott (#30), Sun City (#34), Catalina Foothills (#35), Çeşme Hills (#44), Apache Junction (#47) and Payson (#48).

Take a look at 50 most livable 50 Pension towns in America.

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1. Dunedin, Florida

• Population 65+ (%): 34.7 %

• Median household income: $ 68.068

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2. Ormond Beach, Florida

• Population 65+ (%): 33.3 %

• Median household income: $ 67.482

3. Sebastian, Florida

• Population 65+ (%): 35.9 %

• Median household income: $ 68.863

4. Parole, Maryland

• Population 65+ (%): 34.4 %

• Median household income: $ 119.591

5. Oro Valley, Arizona

• Population 65+ (%): 34.9 %

• Median household income: $ 105.342

6. Gulfport, Florida

• Population 65+ (%): 35.6 %

• Median household income: $ 68.617

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7. Pompton Plains, New Jersey

• Population 65+ (%): 34.7 %

• Median household income: $ 113.661

8. Estero, Florida

• Population 65+ (%): 50.7 %

• Median household income: $ 100,459

9. Naples, Florida

• Population 65+ (%): 56.2 %

• Median household income: $ 140.833

10. Venice, Florida

• Population 65+ (%): 59.9 %

• Median household income: $ 74.340

11. Cottonwood, Arizona

• Population 65+ (%): 34.1 %

• Median household income: $ 47.162

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12. Ocean City, New Jersey

• Population 65+ (%): 34.2 %

• Median household income: $ 101,782

13. Mesquite, Nevada

• Median household income: $ 74.439

14. Tavares, Florida

• Median household income: $ 57.644

15. Punta Gorda, Florida

• Population 65+ (%): 53.6 %

• Median household income: $ 79.291

16. Dora, Mount Florida

• Population 65+ (%): 33.1 %

• Median household income: $ 69.931

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17. Burr Ridge, Illinois

• Population 65+ (%): 35.8 %

• Median household income: $ 154.508

18. Willow Street, Pennsylvania

• Population 65+ (%): 38.7 %

• Median household income: $ 106.867

19. Huntley, Illinois

• Median household income: $ 86.349

20. Murrells Inlet, South Carolina

• Median household income: $ 75.438

21. Garden City, South Carolina

• Median household income: $ 50.027

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22. Cypress Lake, Florida

• Population 65+ (%): 43.1 %

• Median household income: $ 62.767

23. North Fort Myers, Florida

• Population 65+ (%): 47.2 %

• Median household income: $ 55.696

24. West Vero Corridor, Florida

• Population 65+ (%): 51.8 %

• Median household income: $ 59.162

25. Fredericksburg, Texas

• Population 65+ (%): 33.9 %

• Median household income: $ 57.474

26. Pinehurst, North Carolina

• Population 65+ (%): 39.4 %

• Median household income: $ 104.955

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27. Hudson, Florida

• Population 65+ (%): 48.1 %

• Median household income: $ 49.063

28. Laguna Woods, California

• Median household income: $ 60.235

29. Fernandina Beach, Florida

• Population 65+ (%): 37.7 %

• Median household income: $ 92.535

30. Prescott, Arizona

• Population 65+ (%): 40.5 %

• Median household income: $ 69.151

31. Englewood, Florida

• Population 65+ (%): 59.4 %

• Median household income: $ 65.557

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32. Cocoa Beach, Florida

• Population 65+ (%): 35.3 %

• Median household income: $ 82.381

33. Iona, Florida

• Median household income: $ 66.143

34. Sun City, Arizona

• Population 65+ (%): 74.9 %

• Median household income: $ 52.111

35. Catalina Foothills, Arizona

• Population 65+ (%): 34.9 %

• Median household income: $ 113.201

36. New Smyrna Beach, Florida

• Population 65+ (%): 35.3 %

• Median household income: $ 78.373

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37. Simons Island, Georgia

• Median household income: $ 105.944

38. Bonita Springs, Florida

• Population 65+ (%): 42.9 %

• Median household income: $ 90.486

39. Laurel, Florida

• Population 65+ (%): 44.9 %

• Median household income: $ 89.282

40. Lady Lake, Florida

• Population 65+ (%): 52.4 %

• Median household income: $ 47.260

41. Marco Island, Florida

• Median household income: $ 104.105

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42. Villages, Florida

• Population 65+ (%): 85.2 %

• Median household income: $ 76.523

43. North Myrtle Beach, South Carolina

• Population 65+ (%): 38.8 %

• Median household income: 72.111 $

44. Fountain Hills, Arizona

• Population 65+ (%): 39.6 %

• Median household income: $ 104.788

45. Wildwood, Florida

• Population 65+ (%): 42.6 %

• Median household income: $ 71.858

46. Bayonet Point, Florida

• Population 65+ (%): 33.2 %

• Median household income: $ 42.157

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47. Apache Junction, Arizona

• Population 65+ (%): 33.7 %

• Median household income: $ 58.619

48. Payson, Arizona

• Population 65+ (%): 37.8 %

• Median household income: $ 65.175

49. Little River, South Carolina

• Population 65+ (%): 43.6 %

• Median household income: $ 64.590

50. Ocean Pines, Maryland

• Population 65+ (%): 44.2 %

• Median household income: $ 91.400

See more original work and survey GAMINGRATS ORIGINAL Research Center.

Editor’s Note: Photos are only for explanatory purposes. In many cases, the closest city outside the city has been used in the article.

Methodology: Gannkingrates analyzed cities with at least 10,000 population and population percentage of the US census 2023 5 -year American Community Research. Total household peoples and household media income were obtained from the same source. Using Areavibes.com, a livability index was supplied for each place to help determine the quality of life. Cities were listed to show the highest livable index representing the most livable pension towns. All data were collected and up to date as of July 29, 2025.

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