As millions of Americans approach retirement, the question of where to spend their golden years looms large. While personal priorities vary, the search for the perfect retirement destination is often guided by a mix of affordability, access to quality health care, vibrant communities, and lifestyle amenities. In February 2026, several major publications released new analyses that shine a spotlight on both perennial favorites and some surprising contenders in the race for America’s best places to retire.
According to Moneywise, which reported on WalletHub’s comprehensive ranking of all 50 states, the top five most retirement-friendly states are Wyoming, Florida, South Dakota, Colorado, and Minnesota. WalletHub’s analysis, published on February 12, 2026, weighed 46 metrics grouped into three main pillars: affordability, quality of life, and health care. The results offer a detailed, data-driven map of where retirees might find the best mix of financial comfort, well-being, and support.
Wyoming claimed the top spot, thanks largely to its affordability. The state’s favorable tax treatment and low-cost homemaker services make it appealing for those seeking to stretch their retirement dollars. WalletHub highlighted Wyoming’s friendly neighborhoods, protections against elder abuse, and notably low crime and poverty rates among older adults. The state also provides generous support through the Older Americans Act, helping retirees live independently longer. However, a closer look reveals some caveats: Wyoming ranks only 33rd for health care, a factor that many retirees consider essential.
Florida, long a retirement magnet, came in a close second. Its appeal is no secret: beautiful climate, sandy beaches, golf courses, and a plethora of country clubs. On the financial side, Florida offers favorable tax treatment and ranks near the top for per-capita Older Americans Act funding. Despite its popularity, Florida’s overall score was edged out by Wyoming’s lower costs and tax perks.
South Dakota secured third place, praised for its taxpayer-friendly policies and strong health care system. The state boasts low rates of poverty, hunger, and social isolation among residents aged 65 and older. It also stands out for air quality and clean drinking water. Yet, retirees should be aware that South Dakota is the most expensive state for in-home services—a reminder that even high-ranking states have their drawbacks.
Colorado landed in fourth place, buoyed by its high ranking in health care (third overall) and tax deductions for Social Security income for those 65 and older. While Colorado’s affordability and quality of life scores were less impressive (19th in both), the state’s progressive tax policy for seniors helps offset some of the higher living costs.
Minnesota rounded out the top five, taking the number one spot nationwide for health care and seventh for quality of life. The catch? It’s one of the less affordable states for retirees, coming in at 33rd for cost. Still, for those who prioritize top-tier medical care and a high standard of living, Minnesota’s strengths are undeniable.
But what about states that don’t always make the national headlines? On February 10, 2026, AOL published a feature extolling the virtues of Kansas as a retirement destination. While Kansas didn’t crack WalletHub’s top five, its unique blend of culture, affordability, and community spirit is winning fans among a new generation of retirees. Overland Park, for instance, offers year-round art exhibitions and even a public art map, turning the city into a living gallery. The LongHouse Community Art Gallery at the Overland Park Arboretum and Botanical Gardens merges nature and creativity, providing a tranquil and stimulating environment for retirees.
Affordability is another Kansas hallmark. The annual cost of a comfortable retirement in the Sunflower State is about $60,620, covering essentials like housing, groceries, healthcare, transportation, and utilities. In 2024, Kansas eliminated state taxes on Social Security benefits, freeing up more cash for retirees to enjoy life’s pleasures—whether that means dining out, travel, or spontaneous adventures.
Nature lovers will find plenty to love in Kansas, too. Shawnee Mission Park offers more than 1,600 acres of trails, lakes, and birdwatching spots. Mill Creek Streamway Park and Wilder Bluff Park provide additional opportunities for outdoor recreation, all without the need for specialized gear or strenuous hikes. Kansas’s natural beauty is accessible and inviting, encouraging retirees to stay active and engaged.
Healthcare access is another selling point. The Kansas City metro area boasts high-quality, affordable medical care and VA facilities. Prescription drugs in Kansas cost about 40% less than the national average, and the state ranks ninth nationwide for senior healthcare access and quality. Assisted living costs are on par with national averages, but nursing home care is less expensive than the U.S. median—a critical consideration for those planning long-term care.
Kansas communities like Manhattan and Prairie Village are known for their warmth, safety, and engagement. As AOL described, these towns foster a sense of belonging, with neighbors who genuinely connect and support each other. Shopping centers such as Leawood’s Town Center Plaza turn errands into social outings, with open streets, boutiques, and cafés that invite lingering and conversation.
Of course, the best place to retire isn’t just about numbers and rankings. As Moneywise cautioned, published lists are helpful starting points, but they can oversimplify what is, for most people, a deeply personal and complex decision. For example, Wyoming’s top ranking for affordability doesn’t erase its mediocre health care score. South Dakota’s excellent health care is offset by high in-home service costs. And while Minnesota is a health care leader, its cost of living may be prohibitive for some.
Local variations within states can be dramatic, too. Access to specialized care, geriatric services, or long-term support often depends on proximity to major metropolitan areas. Insurance costs, which can spike in certain regions, are rarely factored into these rankings. And then there are the intangibles: proximity to family and friends, climate preferences, transportation options, and the feeling of belonging to a supportive community.
Barron’s, in its February 12, 2026, report, added another layer to the conversation by highlighting states that excel specifically in health care for retirees. Vermont, Washington state, and Minnesota received high marks for their retiree health systems. Meanwhile, Florida and Arizona continue to attract retirees with their sunshine, low taxes, and—in a nod to the latest trends—plentiful pickleball courts. The message is clear: there’s no one-size-fits-all answer.
Ultimately, the smartest approach is to use these rankings as a launchpad. Narrow your options, then dig deeper into local costs, health care access, personal priorities, and the less tangible factors that shape day-to-day happiness. Whether you’re drawn to the wide-open spaces of Wyoming, the vibrant culture of Kansas, or the health care excellence of Minnesota, the best retirement destination is the one that fits your unique needs and dreams.
Retirement, after all, is less about where you are on the map and more about how you feel when you wake up each morning—ready for adventure, connection, and a life well-lived.