18 Safest US Cities to Retire In

When it comes to retirement, we all want a home where we can feel safe. This allows us to be a part of the community and live a comfortable life. Here are the 18 safest U.S. cities to retire in.

Charleston, Illinois

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Neighborhood Scout writes, “Charleston has an overall crime rate of 7 per 1,000 residents.” This puts it around average on the country’s safety scale, meaning you won’t have to worry about your safety in this city. Charleston also has a low cost of living and beautiful lakes and trails for hiking.

North Chicago, Illinois

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This suburb offers great access to amenities, but due to its low crime rates, there’s also a heightened sense of security. The annual cost of living in North Chicago comes in at an average of $41,034. To retire comfortably in Chicago, a person should have a retirement fund of around $536,595.

Green Bay, Wisconsin

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Thanks to a strong sense of community in Green Bay, the crime rates are lower than average, making it a great city to retire in. There’s also plenty for a retired person to do, as Lake Michigan is close by, which offers lots of entertainment and activities.

Mobile, Alabama

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Mobile is considered a relatively safe city to live in. For example, U.S. News writes, “The metropolitan area’s violent crime rate was lower than the national rate in 2020.” The annual living cost in Mobile is an average of $43,224. As the city is rich in history, there’s lots to do, such as visiting historical sites.

Ocala, Florida

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Ocala is well known for its museums and lakes, making it a great city to retire to if a person loves culture and scenery. Ocala is another safe city where it would be difficult for a person to experience crime. The average amount needed for a comfortable retirement in Ocala is $605,682.

Brookings, South Dakota

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Brookings is known for being a safe city, as it hosts many family-friendly events and has South Dakota State University. It offers a change from the usual Florida retirement options, helping to give a person much more choice. To retire comfortably in Brookings, a person would need, on average, $610K in their savings.

Daytona Beach, Florida

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Always on the Shore writes, “The city has worked hard to create a welcoming and safe environment for visitors, with plenty of lighting and security measures in place.” Florida has put measures in place to ensure Daytona Beach is safe, as it’s also a popular spot to vacation.

Pensacola, Florida

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Pensacola is a great city to retire to if you love both excitement and quiet. It has amusement parks to keep you entertained, as well as great outdoor activities such as hiking and fishing. The annual living expense comes in at an average of $45,466, with a person needing around $647,395 to retire.

Lakeland, Florida

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Lakeland is a part of the Tampa Bay area, and it’s known for its many lakes, making it a great city to retire to if you love outdoor activities. The cost of living in Lakeland is an average of $46,041, and it was recently listed as #5 in U.S. News & World Report’s Safest Places to Live in the U.S.

Lancaster, Pennsylvania

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Gardenspot Village writes, “Lancaster has low crime rates and is rated highly for its safety. In fact, Lancaster ranks as the 16th safest place to live in the U.S.” Lancaster is also home to one of the oldest Amish communities in the country. The average cost of living in Lancaster comes in at $47,604 annually.

Bella Vista, Arkansas

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Bella Vista is considered a safe place to retire, as it’s known for its welcoming motto and community feel. The city also has great activities for the retired, such as hiking trails, farmers’ markets, and golf courses. Slightly higher retirement savings are needed, with an average of $721,696 to be comfortable.

Melbourne, Florida

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Melbourne offers plenty for the retired to do. A person can take part in activities such as fishing and golfing or head to the beach and enjoy the Florida sunshine. The average annual cost of living is $49,221 and annual housing costs are an average of $9,868.

Fort Myers, Florida

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Fort Myers is considered a safe city to retire in. This is supported by Drink Tea & Travel, which writes, “The area is very safe for visitors, with a lower crime rate than the national average.” Fort Myers is not only known for its security but also for its white, sandy beaches.

Port St. Lucie, Florida

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For sports fans, Port St. Lucie is the spring training location for the New York Mets. It’s a safe city to retire in and costs just slightly more on average than other areas in Florida. The annual cost of living is an average of $52,506, and the average annual housing costs are around $10,272.

Sarasota, Florida

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Sarasota is famous for its relaxing beaches and lifestyle. It’s this relaxed feel that makes it such a safe city to retire in. The annual cost of living in Sarasota is an average of $53,653, and the average annual housing costs are $11,872.

Naperville, Illinois

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Naperville writes, “Naperville, Illinois, is considered to be 83% safer than other U.S. cities, with a total crime rate of 3.81 per 1,000 residents.” Not only is it a safe city for retirement, but it also offers many cultural attractions, such as the Millennium Carillon.

Sugar Land, Texas

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Sugar Land is a popular place to retire thanks to its safety and attractions. This city is home to the Houston Museum of Natural Science, ensuring science enthusiasts will never be bored. It’s also well known for its shopping areas and amusement parks, so there’s always something to do in this city.

Surprise, Arizona

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Due to the city being military friendly and hosting spring training for sports teams, Surprise is considered a safe place to retire. The city also offers year-round activities such as hiking and fishing. With average house prices of $429,979, a person can also ensure that they’re living comfortably.

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