While there are many small towns in America that are great for retirement and affordability , one small town in Florida has earned the title of America’s best small town to retire in 2025, and it’s easy to see why. It has to be said that some places in Florida are better suited for vacations than retirement . However, this seaside community stands out as a perfect option for retirees, offering a lifestyle that's hard to beat.

Located along Florida’s Gulf Coast, Panama City Beach has built its reputation as a vacation hotspot with sugar-white sands and turquoise waters. However, beyond the tourists and seasonal visitors, there’s a thriving small-town community that appeals to those ready to slow down without sacrificing modern conveniences.

Affordability is another reason this beach

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