The Northern United States' 12 Best Retirement Towns Ranked
Retirement is one of life’s most significant chapters—a time to slow down, rediscover your passions, and surround yourself with people and places that bring comfort and joy. For many retirees, that perfect next step doesn’t involve crowded cities or high-rise living. Instead, it’s about finding a community where you can sip coffee on your porch and get to know your neighbors by name. Whether you desire to enjoy nature, experience local culture, or embrace the hospitality of small-town life without the stress of long commutes, the Northern United States—spanning from the Great Lakes to New England—offers a treasure trove of small towns ideal for retirees. Let's explore the best retirement towns in the Northern United States. So, pour yourself a cup of tea, get cozy, and imagine your future in one of these lovely spots. Your perfect retirement town might be closer than you think.
The median listing home price metric used in this piece is from Realtor.com, using data from homes that are currently listed on their site. Median listing home price may significantly vary from the median sold home price or other metrics for measuring the cost of a home or the cost of living.
The cost of living metric used in this article is from erieri.com, an economic research corporation.
Marquette, Michigan
Marquette, located in Michigan's Upper Peninsula, is a picturesque small town nestled along the shores of Lake Superior. Known for its natural beauty, Marquette offers retirees a blend of outdoor recreation and cultural experiences. The town features miles of scenic trails, such as the Noquemanon Trail Network, which is ideal for hiking and biking during warmer months and cross-country skiing in winter. The community is home to Northern Michigan University, which hosts various events, art exhibits, and performances that enrich the community. (The university also offers tuition-free scholarships to adults 62 and older.) The Marquette Regional History Center offers insights into the area's rich past, while the DeVos Art Museum showcases contemporary works for retirees.
Realtor.com says the median listing home price in Marquette was $522,500. While homes can be rather pricey for budget-minded retirees, the cost of living is 9% less than the national average (Economic Research Institute). Michigan is moderately tax-friendly for retirees, with no tax on Social Security, estates, or most inheritances and a lower sales tax than other states. Retirement income is partially taxable for this year but will be fully exempt from state tax by 2026.
UP Health System—Marquette, a 222-bed specialty care hospital, meets healthcare needs in Marquette. For those needing longer-term options, there are plenty of retirement communities, like Brookridge Heights and the Teal Lake Senior Living facility. With its easy access to natural beauty, educational opportunities, and strong healthcare support, Marquette is one of the best places for retirees to live out their golden years.
Winona, Minnesota
Winona, Minnesota, is a charming town that offers retirees a blend of natural beauty, cultural attractions, and a welcoming community. The town is renowned for its historic architecture, including well-preserved Victorian homes and buildings that add to its picturesque appeal. The community boasts a vibrant arts scene, highlighted by the Minnesota Marine Art Museum, which features an impressive collection of artworks by renowned artists such as Monet and Picasso. For outdoor enthusiasts, Lake Winona offers scenic walking and biking trails and panoramic views of the river valley.
Winona's median listing home price is $262,000, and living costs are 14% less than the national average. While Minnesota taxes Social Security benefits, military retirement is exempt. Winona Health, a comprehensive healthcare system that offers a range of services tailored to seniors, provides healthcare services in Winona. Winona Health's Senior Services encompass various programs to enhance the lives of active seniors. The combination of cultural richness, natural beauty, affordable housing, and comprehensive healthcare makes Winona a compelling choice for those looking to enjoy their retirement in a supportive and engaging community.
Waterville, Maine
Waterville, Maine, is a quaint New England town that offers retirees a harmonious blend of cultural richness, natural beauty, and a close-knit community atmosphere. The town is nestled along the banks of the Kennebec River and is home to Colby College. The Colby College Museum of Art boasts an impressive collection, providing art enthusiasts with a wealth of exhibits to explore. Additionally, the historic Waterville Opera House hosts a variety of performances, including theater productions, concerts, and film screenings, ensuring a steady stream of entertainment options for residents.
Outdoor recreation is abundant in Waterville. The nearby Quarry Road Recreational Area offers year-round activities such as walking, biking, and cross-country skiing, catering to active seniors who appreciate the great outdoors. The Kennebec River also provides opportunities for fishing, boating, and scenic walks along its banks, allowing residents to immerse themselves in the area's natural beauty.
The median listing home price in Waterville is approximately $260,000, while living costs are comparable to the national average and other cities of similar size. Healthcare services in Waterville are robust, with Northern Light Inland Hospital serving as a key provider. The hospital offers comprehensive medical services, including emergency care, surgical services, and specialized programs tailored to seniors.
Jamestown, New York
Jamestown is in the southwestern corner of the state and is probably best known as the birthplace of the legendary comedienne Lucille Ball. The town celebrates its heritage with the Lucille Ball Desi Arnaz Museum, offering fans a nostalgic journey through television history. The National Comedy Center further cements Jamestown's reputation as a hub for humor and entertainment. In addition, Jamestown boasts the Roger Tory Peterson Institute of Natural History, which is dedicated to the renowned ornithologist and artist. The nearby Chautauqua Lake provides ample boating, fishing, and lakeside opportunities, making it a haven for nature enthusiasts.
New York offers tax-exempt status to retirees earning federal, state, or military retirement pensions, but other senior adults may find their benefits taxed. The median home price in Jamestown is notably affordable compared to national averages ($105,000), making it an attractive option for retirees seeking value without compromising amenities. The cost of living in Jamestown is generally lower than the national average (12% less), allowing retirees to stretch their retirement savings.
UPMC Chautauqua, a full-service community hospital offering a range of medical services, including a dedicated Senior Services department focused on geriatric care, serves the healthcare needs of Jamestown's residents. The city's combination of cultural attractions, natural beauty, affordable housing, and quality healthcare makes it a compelling choice.
Meadville, Pennsylvania
Meadville, Pennsylvania, has just over 13,000 residents, but as the home to Allegheny College, it exudes vibrant college-town energy. Allegheny College is one of the oldest liberal arts colleges in the nation, providing a variety of cultural events to the community. The town's historic downtown district features unique shops, local eateries, and the Meadville Market House, Pennsylvania's oldest continuously operating market house. For outdoor enthusiasts, the nearby Woodcock Lake Park provides hiking, fishing, and picnicking opportunities.
The median home price in Meadville is attractively affordable ($168,000), allowing retirees to find comfortable housing without financial strain. The overall cost of living is below the national average (15% less). Healthcare services are anchored by Meadville Medical Center, a full-service hospital offering comprehensive care, including specialized services in cardiology, oncology, and orthopedics. With its youthful ambiance, cultural activities, and low living expenses, Meadville might be the place for seniors to settle down.
Barre, Vermont
Barre, known as the "Granite Center of the World," is a quaint town in central Vermont with a rich industrial heritage. The town's history is etched in its granite quarries, and this legacy is celebrated at the Rock of Ages Visitors Center, where visitors can learn about the stone that built monuments nationwide. The downtown area is adorned with granite sculptures and historic architecture, offering a unique aesthetic appeal. Outdoor activities abound, and the nearby Millstone Hill offers trails for hiking and biking through picturesque settings. The town's proximity to the Green Mountains provides additional opportunities for nature exploration and appreciation.
While Vermont is not considered a tax-friendly state for retirees, the median home price in Barre is reasonable ($325,000), reflecting the town's affordability. The cost of living aligns with national averages (although it is slightly higher than other communities). Central Vermont Medical Center is in nearby Berlin (five minutes away by car), offering a range of services, including primary care, specialty clinics, and emergency services. Even though it might only have roughly 8,000 residents, the blend of cultural charm and natural beauty makes this an inviting place to live.
Bar Harbor, Maine
Bar Harbor is a rewarding place to retire for those who dream of ocean breezes, lobster rolls, and a scenic backdrop to their golden years. This community is perched on Mount Desert Island along Maine’s stunning coast and is best known as the gateway to Acadia National Park. The National Park Service operates the Park, which has miles of carriage roads, forest trails, and a rocky coastline, perfect for soaking in ocean views. Despite its popularity as a seasonal destination, Bar Harbor retains a strong year-round community. Locals enjoy the small but bustling downtown, lined with independent bookstores, cozy cafes, and galleries that make for leisurely afternoons. Cultural events like the Bar Harbor Music Festival and educational lectures at the College of the Atlantic keep minds and hearts engaged.
The median listing home price in Bar Harbor is around $694,000, which is above average but offset by the town’s unbeatable location and high quality of life. The cost of living is about 10% above the national average, due largely to its coastal location, even though Maine generally has lower living costs than other New England states. Healthcare in Bar Harbor is anchored by Mount Desert Island Hospital, a well-respected facility offering comprehensive services from primary care to emergency needs. Bar Harbor makes perfect sense for those seeking an oceanfront lifestyle.
Keene, New Hampshire
Keene is a classic New England town with a peaceful pace of life, and it sits in the scenic Monadnock Region of southwestern New Hampshire. With its iconic white church steeples, brick-lined Main Street, and vibrant community calendar, Keene strikes a beautiful balance between tranquility and engagement. Downtown Keene is full of charming local shops, farm-to-table eateries, and seasonal events like the Keene Pumpkin Festival, which draws visitors from all over. For seniors who enjoy staying active and connected, there are walking paths along the Ashuelot River, community theater productions, art galleries, and public library programs to keep minds and bodies moving. Mount Monadnock, one of the most frequently climbed mountains in the world, is just a short drive away for those who love scenic trails and fresh air.
The median home price in Keene is around $374,000. Although the cost of living is slightly above the national average, it is less than other areas of New Hampshire. Cheshire Medical Center, part of the Dartmouth Health system, provides outstanding medical care and is easily accessible from anywhere in town. The hospital has an excellent reputation for its community-first approach. The appeal of Keene is that it offers a pleasant solace for those looking to enjoy the heart of New England without the tourist bustle found in other places.
Middlebury, Vermont
Middlebury is a postcard-perfect New England town where retirees can enjoy scenic views, vibrant community life, and a peaceful pace of living. Home to the prestigious Middlebury College, the town enjoys an intellectual and artistic buzz without losing its quiet charm. Locals enjoy downtown strolls through locally owned bookstores, art galleries, and the farmers’ market. The nearby Otter Creek and the Green Mountains offer hiking, fishing, and nature-watching opportunities throughout the seasons.
The median home price is approximately $380,000 (Realtor.com), and while slightly higher than the national average, the high quality of life adds tremendous value. The cost of living is around 8% above the national average (Economic Research Institute), primarily due to Vermont's rural character and utilities. Porter Medical Center, affiliated with the University of Vermont Health Network, provides comprehensive healthcare including primary, emergency, and specialty services.
While this town is a rural community, the fact that it is nestled in the Champlain Valley between the Green Mountains and Lake Champlain makes it a very special place.
Escanaba, Michigan
Escanaba is a true Northern Michigan gem for retirees seeking a peaceful, lakefront lifestyle at a remarkably low cost. Situated on the shores of Lake Michigan’s Little Bay de Noc in Michigan’s Upper Peninsula, Escanaba is a nature-lover’s retreat. Residents enjoy stunning waterfront views, serene beaches, and endless outdoor activities—from boating and birdwatching to snowshoeing and scenic drives. The historic downtown is home to boutiques, cafes, and cultural attractions like the William Bonifas Fine Arts Center.
Escanaba is highly affordable, with a median home price of around $220,000 and a cost of living about 20% below the national average, making it one of the most budget-friendly options on this list. As mentioned, Michigan is a moderately favorable tax state for seniors, with no state tax on social security, inheritances, and some retirement pensions.
Seniors here are well served by OSF St. Francis Hospital & Medical Group, a trusted regional provider that offers comprehensive services, including a 24/7 emergency room, rehabilitation, and specialized senior care.
Traverse City, Michigan
Traverse City is a lakeside treasure that offers retirees a vibrant lifestyle steeped in natural beauty, community warmth, and four-season recreation. Known for its cherry orchards, vineyard-dotted hills, and waterfront charm, Traverse City strikes an ideal balance between small-town friendliness and big-lifestyle amenities. Retirees here can enjoy a morning walk along the TART Trail or explore the artsy boutiques and cozy coffee shops lining downtown. The area boasts award-winning wineries and is home to the National Cherry Festival, which brings locals together every summer. The surrounding landscapes offer a constant invitation to explore, from the dunes of Sleeping Bear National Lakeshore to gentle kayaking along the Boardman River.
As of early 2025, the median listing price for a home in Traverse City is about $444,500, reflecting the area's popularity and lakeside setting. While the cost of living is approximately 3% above the state average, many retirees find the lifestyle perks well worth the investment.
Healthcare is a major plus here, with Munson Medical Center ranked as one of Michigan’s top hospitals. With its fresh air, fresh food, and a strong sense of place, Traverse City is a picture-perfect retirement destination for those who want to stay active, connected, and inspired year-round.
Canandaigua, New York
Part of New York’s picturesque Finger Lakes region, Canandaigua is a scenic and sophisticated small town known for its wine trails, sparkling lakes, and cultural offerings. The town’s walkable downtown is filled with antique shops, bistros, and art galleries. Seniors can enjoy lakeside concerts in the summer, visit the Sonnenberg Gardens & Mansion, or take a leisurely wine cruise on Canandaigua Lake.
The median home price here is around $364,500, and the cost of living sits right at the national average. The town’s charm and seasonal beauty add significant value, especially for retirees who appreciate scenic living with access to vibrant local events.
Thompson Health, part of the UR Medicine system, is a full-service hospital offering a wide range of care, including geriatric medicine, rehabilitation, and cardiac services. With its lakeside elegance, strong arts scene, and excellent care options, Canandaigua offers retirees a tranquil, enriching lifestyle in the heart of upstate New York.
The Northern U.S., stretching from the serene lakes of Michigan to the rolling hills and historic towns of New England, offers a diverse range of small towns perfect for an exciting new retirement chapter. Whether you're drawn to the lakeside elegance of Traverse City, the artistic energy of Keene, or the coastal calm of Bar Harbor, each town on this list offers something truly special: a welcoming community, access to reliable healthcare, and a slower pace of life enriched by natural beauty and local charm. Many of these places offer walkable downtowns, cultural events, and senior-friendly amenities that make daily living easy and enjoyable.
