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Three Florida cities rank among the five best places to retire in 2025, according to a new study from the personal finance site WalletHub.

The analysis, published Sept. 2, ranked more than 180 cities on 45 metrics that span four broad areas: affordability, activities, quality of life and health care. The report taps dozens of data sources, including the census, Bureau of Labor Statistics and Centers for Disease Control and Prevention.

Here are the top five cities for retirees, according to WalletHub:

  1. Orlando, Florida
  2. Scottsdale, Arizona
  3. Minneapolis
  4. Miami
  5. Tampa, Florida

That list more or less tracks common wisdom on where Americans go to retire: Florida and Arizona.

“Your instinct’s going to tell you, Go to Florida. It’s warm, and there’s things to do,” said Chip Lupo, a writer and analyst at WalletHub. Orlando, Miami and Tampa are also “very retirement-friendly, from a tax perspective,” he said.

The full analysis covers 182 cities, including the 150 largest U.S. cities and at least two of the most populous from every state.

Each retirement destination, of course, has pros and cons.

Casper, Wyoming, ranks as the most affordable city in the nation, but it scores lower on quality of life. San Francisco ranks first nationwide for activities that retirees would enjoy, but it’s relatively unaffordable. Scottsdale ranks top for overall quality of life, but low on affordability. Missoula, Montana, ranks first for its health care system, but lower for quality of life.

Which retirement destination has the most fishing?

Here are a few other notable superlatives in the WalletHub report:

  • Washington, DC, ranks first in the nation for museums per capita, followed by San Francisco.
  • Scottsdale has the nation’s highest share of population aged 65 and over, followed by Pearl City, Hawaii.
  • Glendale and Riverside, California, rank first and second nationally for “mild” weather.
  • Charleston, South Carolina, has the most fishing facilities per capita, followed by Fort Lauderdale, Florida.
  • Chicago has the most per-capita recreation and senior centers. Honolulu ranks second.

Retirement isn’t just about money. Retirees should consider living in a city where they can lead an active life, access good health care and enjoy the weather, the report says. And that may take some planning.

“One of the biggest mistakes older workers make is assuming that their retirement is a long ways off, and they don't need to plan for it,” said Phyllis Moen, professor emeritus of sociology at the University of Minnesota and Cornell University, speaking in the report. “And planning should include considering lifestyle as well as financial issues.”

The 15 best retirement cities in America

Here are the 15 best places to retire in America in 2025, according to WalletHub.

  1. Orlando, Florida. A tax-friendly city in a tax-friendly state, Orlando ranks as the best place to retire in the nation. Florida has no estate or inheritance tax, and no income tax. Orlando isn’t the cheapest city, but it ranks third in the nation for recreation.
  2. Scottsdale, Arizona. This Phoenix suburb ranks high for its range of adult volunteer activities, art galleries and golf courses per capita. Arizona, like Florida, is a tax-friendly state. And Scottsdale ranks fourth nationally for “mild” weather, although it can get hot.
  3. Minneapolis. America’s third-best retirement spot has one of the most elderly-friendly job markets in the nation. The city is considered a friendly environment for retirees and has a high-ranking hospital system.
  4. Miami. Known for balmy weather, Miami ranks fifth in the nation for activities. Like Orlando, Miami has no estate, inheritance or income tax.
  5. Tampa, Florida. Another tax-friendly city, Tampa ranks high for senior activities and for overall quality of life.
  6. Atlanta. This city ranks fourth in the nation for senior activities. It also ranks well on health care.
  7. Fort Lauderdale, Florida. Ranks 14th nationally for senior activities. Also ranks high on health care.
  8. Cincinnati. Ranks third nationally for activities for seniors. And it has a strong health care system.
  9. Madison, Wisconsin. This college town ranks sixth in the nation for quality of life, and eighth for health care.
  10. Casper, Wyoming. Casper is the most affordable city in America for retirees, according to WalletHub.
  11. Las Vegas. Ranks sixth nationally for senior activities, and 13th for affordability.
  1. St. Petersburg, Florida. Ranks high on activities, quality of life and affordability.
  2. Sioux Falls, South Dakota. Ranks third in the nation for health care. Also ranks high on affordability.
  3. Pittsburgh. WalletHub credits Pittsburgh with relatively strong health care and plentiful activities for retirees.
  4. Wilmington, Delaware. Ranks high nationally for health care and senior activities.

This article originally appeared on USA TODAY: Florida or bust: The best U.S. retirement cities in 2025

Reporting by Daniel de Visé, USA TODAY / USA TODAY

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