Most Expensive Place to Retire in the U.S. in 2025 Revealed
For retirees with deep pockets, GOBankingRates has unveiled the 30 most expensive towns to retire in the U.S. in 2025—and California dominates the top of the list. Saratoga, California, takes the number one spot as the most expensive retirement destination, where retirees will need an estimated $282,625 annually to live comfortably.
To compile the rankings, GOBankingRates analyzed cities with populations over 25,000 and at least 25% aged 65 or older. The study factored in average home values, cost of groceries, healthcare, and overall cost of living. In Saratoga, the average single-family home is valued at over $4.1 million. Annual grocery and healthcare costs are $6,165 and $8,544, respectively.
Other high-cost retirement towns in California rounding out the top five include Rancho Palos Verdes, Walnut Creek, Cerritos, and Palm Springs—each with home values exceeding $1 million and annual living expenses above $86,000. While California leads the list, other states also feature luxury retirement options.
Massachusetts, Arizona, and Florida also made the top 10. Gloucester and Barnstable Town ranked at No. 8 and No. 10 in Massachusetts, while Scottsdale, Arizona, came in at No. 6. Florida, known for its retirement appeal, claimed 14 spots in the top 30, including Palm Beach Gardens, Aventura, Delray Beach, and Sarasota.
Despite average retirement savings in the U.S. falling well below $333,000, these destinations cater to affluent retirees seeking top-tier amenities and coastal charm.
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