10. Barnstable Town, Massachusetts

The town of Barnstable—Cape Cod’s largest—comprises 60 square miles. Bordered by Cape Cod Bay on the north and Nantucket Sound on the south, Barnstable has seven villages (total population 49,709), each with its own distinct persona. Hyannis is Barnstable’s largest village, and the commercial and transportation hub of Cape Cod—welcoming planes, trains, buses and ferries to the islands of Martha’s Vineyard and Nantucket.

• % of population 65+: 25%
• Avg. home value: $741,632
• Avg. cost of groceries (annual): $5,377
• Avg. cost of healthcare (annual): $7,401
• Homeowner cost of living (annual): $68,453

9. Palm Beach Gardens, Florida

Palm Beach Gardens is a city of 61,146 in Palm Beach County, Florida, approximately 80 miles north of Miami. As the home of the PGA headquarters Palm Beach Gardens offers world-class luxury golf resort experiences and high-end retail shopping districts, just a few miles inland from South Florida’s renowned beaches.

• % of population 65+: 31%
• Avg. home value: $759,350
• Avg. cost of groceries (annual): $5,417
• Avg. cost of healthcare (annual): $8,012
• Homeowner cost of living (annual): $70,601

8. Gloucester, Massachusetts

Gloucester is a coastal city of 29,959 on Cape Ann, in Massachusetts. It is primarily known as America’s oldest seaport and recognized for its rich maritime history, vibrant working waterfront, and connection to the fishing industry.

• % of population 65+: 26%
• Avg. home value: $800,820
• Avg. cost of groceries (annual): $5,417
• Avg. cost of healthcare (annual): $7,029
• Homeowner cost of living (annual): $71,334

7. La Quinta, California

La Quinta is a desert resort city of 39,081 in Riverside County, California. Located between Indian Wells and Indio, it is one of the nine cities of the Coachella Valley. It is known as the “Gem of the Desert” and is famous for its world-class golf, scenic desert landscapes, and vibrant arts and culture scene. It’s a popular destination for those seeking a desert getaway with year-round sunshine, hiking trails, and a charming village atmosphere.

• % of population 65+: 31%
• Avg. home value: $785,335
• Avg. cost of groceries (annual): $4,976
• Avg. cost of healthcare (annual): $6,926
• Homeowner cost of living (annual): $71,613

6. Scottsdale, Arizona

Scottsdale is a desert city of 244,394 (by far the largest on this list) in Arizona east of Phoenix. It’s known for its spa resorts and golf courses, including TPC Scottsdale. Farther north, trails wind through McDowell Sonoran Preserve, a desertscape of hills, rock formations and cacti. Downtown’s Old Town Scottsdale has 1920s buildings and 19th-century olive trees.

• % of population 65+: 26%
• Avg. home value: $954,919
• Avg. cost of groceries (annual): $5,120
• Avg. cost of healthcare (annual): $7,338
• Homeowner cost of living (annual): $81,525

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