Tarpon Springs
Helen Hatzis
Helen Hatzis
January 26, 2025 ·  10 min read

Top 11 Places to Retire in Florida

Florida has long been a dream destination for retirees, offering year-round sunshine, stunning coastlines, and a lifestyle that suits every preference. With no state income tax, no estate or inheritance tax, and tax exemptions for primary residences, Florida is financially attractive for retirees. Plus, Social Security benefits, pension income, and retirement account withdrawals are all tax-free. Establishing Florida as your principal home involves filing a Declaration of Domicile and completing steps like obtaining a Florida driver’s license or registering to vote—but the savings make it worthwhile. Traveling through Florida feels like hopping between entirely different worlds—each city, each beach, and even each inland town has its own character, culture, and charm. Based on my personal travels and experiences in Florida, here are the top 11 places in Florida to consider for your next chapter. From vibrant cities to serene escapes, these spots deliver a retirement lifestyle as unique as the individuals who seek it.

1. Miami: The Magic City

Explore Miami one perfect day
Photo Credit: Rubén Darío Arena

Miami’s dynamic energy makes it more than just a vacation hotspot—it’s a vibrant retirement destination for those who thrive on diversity and culture. From the colourful murals of Wynwood to the bustling restaurants of Little Havana, Miami offers a lifestyle that’s anything but boring. Enjoy world-class shopping, Art Deco architecture in South Beach, and endless waterfront activities. It’s a city that pulses with life, making it perfect for retirees who want to stay active and engaged. Check out my Miami guide.

Things to Do:

  • Art Deco Historic District: Explore the iconic pastel-colored buildings in South Beach’s Art Deco District.
  • Little Havana: Immerse yourself in Cuban culture with authentic cuisine, music, and art.
  • Vizcaya Museum and Gardens: Tour this Italian Renaissance-style villa and its lush gardens.
  • Fairchild Tropical Botanic Garden: Discover a variety of tropical plants in this expansive garden.

Things to Know:

  • Climate: Miami has a tropical monsoon climate, with hot, humid summers and short, warm winters.
  • Transportation: Public transportation is available, but having a car can be more convenient for exploring.
  • Cultural Diversity: The city is a melting pot of cultures, with a significant Hispanic influence.

2. Palm Beach: Luxe Living by the Sea

hotel dining experiences
The Breakers iconic hotel. Photo Credit: Nick Juhasz

Palm Beach epitomizes sophistication, with its luxurious estates, pristine beaches, and high-end boutiques. This is where you’ll find some of the most beautiful waterfront homes and world-class golf courses. For those who enjoy the finer things in life, Palm Beach delivers an unparalleled retirement experience with its vibrant arts scene, including the Norton Museum of Art and the Kravis Center for the Performing Arts. Check out my Palm Beach guide.

Things to Do:

  • Worth Avenue: Shop at high-end boutiques and dine at upscale restaurants on this renowned street.
  • Flagler Museum: Explore the Gilded Age mansion of Henry Flagler, a key figure in Florida’s development.
  • Norton Museum of Art: Visit this museum housing a diverse collection of American, European, and Chinese art.

Things to Know:

  • Affluence: Palm Beach is known for its wealth and luxury, with a higher cost of living.
  • Seasonal Population: The population increases during the winter months as seasonal residents arrive.
  • Dress Code: Upscale attire is common, especially in dining and shopping areas.

3. Golden Beach: A Secluded Paradise

Places to retire in Florida
Golden Beach – Photo Credit: Discover Homes Miami

For those who crave privacy and tranquility, Golden Beach is a hidden gem. This small coastal town is renowned for its exclusivity, with no high-rises and a peaceful, community-oriented vibe. Imagine waking up to the sound of waves and enjoying your days in a serene environment—a perfect retreat from the busyness of everyday life.

Things to Do:

  • Private Beaches: Enjoy the tranquility of the town’s private beachfront.
  • Outdoor Activities: Engage in water sports like paddleboarding and kayaking.

Things to Know:

  • Exclusivity: Golden Beach is a small, upscale community with strict zoning laws prohibiting commercial development.
  • Privacy: The town is known for its privacy and security, attracting high-profile residents.
  • Amenities: Limited commercial amenities within the town; nearby cities offer shopping and dining options.

4. DeLand: Florida’s Best-Kept Secret

DeLand
Overview of DeLand, Florida. Photo Credit: Pexels

DeLand is a charming inland town known for its historic downtown, art galleries, and small-town charm. Home to Stetson University, this vibrant community combines a youthful energy with a relaxed pace of life. Take a stroll along Main Street or explore the nearby natural wonders like Blue Spring State Park, where manatees congregate in the cooler months. Check out my guide on DeLand.

Things to Do:

  • Stetson Mansion: Tour Florida’s first luxury estate, known for its architectural beauty.
  • Downtown DeLand Historic District: Explore unique shops, galleries, and eateries in this charming area.
  • Blue Spring State Park: Observe manatees in their natural habitat during the winter months.

Things to Know:

  • College Town: Home to Stetson University, bringing a youthful energy to the area.
  • Historic Charm: Known for its well-preserved historic architecture and small-town feel.
  • Community Events: Hosts various festivals and events throughout the year, fostering a strong sense of community.

5. Jacksonville: Urban Living Meets Nature

Jacksonville florida
Beaches Town Center. Photo Credit: Helen Hatzis

Jacksonville offers the best of both worlds: urban amenities and proximity to nature. As the largest city by area in the continental U.S., Jacksonville boasts diverse neighborhoods, miles of beaches, and a burgeoning food scene. Outdoor enthusiasts will love the abundance of parks and waterways, including the picturesque Timucuan Ecological and Historic Preserve. Check out my series on Jacksonville.

Things to Do:

  • Cummer Museum of Art and Gardens: Explore art collections and beautiful riverfront gardens.
  • Jacksonville Zoo and Gardens: Visit a wide variety of animals and botanical exhibits.
  • Riverside Arts Market: Enjoy local arts, crafts, and food vendors every Saturday.

Things to Know:

  • Size: Jacksonville is the largest city by area in the contiguous United States.
  • Beaches: Offers 22 miles of beaches along the Atlantic coast.
  • Military Presence: Home to multiple military bases, contributing to a significant military community.

6. Tampa Bay: A Vibrant Coastal Community

Photo Credit: Pixabay

Tampa Bay is a hub of activity, offering retirees access to cultural attractions, professional sports, and waterfront living. Whether you’re exploring the historic streets of Ybor City or catching a show at the Straz Center, Tampa Bay caters to those who love a mix of leisure and excitement. Plus, the nearby Gulf beaches make it easy to unwind. Check out my guide to Tampa Bay.

Things to Do:

  • Busch Gardens Tampa Bay: Experience thrilling rides and animal exhibits at this renowned theme park.
  • The Florida Aquarium: Explore marine life exhibits and interactive programs.
  • Ybor City: Discover the historic Latin Quarter with its vibrant nightlife and Cuban culture.

Things to Know:

  • Sports: Tampa Bay is home to professional teams in football, hockey, and baseball.
  • Cultural Diversity: Known for its rich cultural heritage, including Cuban and Spanish influences.
  • Climate: Features a humid subtropical climate with hot summers and mild winters.

7. Tarpon Springs: A Taste of Greece

tarpon springs
Photo Credit: Helen Hatzis

Step into a Mediterranean paradise in Tarpon Springs, a town celebrated for its Greek heritage and sponge diving industry. The charming waterfront district is lined with bakeries, seafood restaurants, and shops, giving you a taste of the old world. It’s a unique and delightful destination for retirees looking for a community rich in culture and history. Check out my guide to Tarpon Springs.

Things to Do:

  • Sponge Docks: Explore the historic sponge docks, featuring shops, restaurants, and boat tours.
  • Fred Howard Park: Enjoy swimming, picnicking, and sunset views at this coastal park.

Things to Know:

  • Greek Heritage: Tarpon Springs has the highest percentage of Greek Americans of any city in the U.S.
  • Culinary Delights: Known for authentic Greek cuisine, with numerous bakeries and restaurants.
  • Festivals: Hosts annual events like the Epiphany Celebration and Greek Food and Wine Festival.

8. Crystal River: Nature’s Playground

Crystal River, Florida
Photo credit: Helen Hatzis

Crystal River is a haven for nature lovers, offering the opportunity to swim with manatees and explore the region’s crystal-clear springs. This small town exudes a laid-back vibe, with plenty of outdoor activities like kayaking, fishing, and birdwatching. For those seeking peace and a deep connection with nature, Crystal River is a top pick. Check out my guide to Crystal River here.

Things to Do:

  • Three Sisters Springs: View manatees in clear waters, especially during winter months.
  • Crystal River Archaeological State Park: Explore pre-Columbian Native American mounds and artifacts.

Things to Know:

  • Wildlife Regulations: When engaging in wildlife activities, it’s important to follow local guidelines to protect the animals and their habitats.
  • Manatee Sanctuary: Crystal River is renowned for its large manatee population.
  • Community Engagement: Crystal River offers a variety of programs and activities tailored for seniors, fostering a strong sense of community. 

9. Florida Keys: Island Living at Its Best

Florida Keys
Hemingway’s watering hole. – Photo Credit: Helen Hatzis

The Florida Keys offer a unique, laid-back lifestyle that feels worlds away from the hustle and bustle of mainland Florida. Whether you’re diving in Key Largo, enjoying fresh seafood in Islamorada, or exploring the artsy streets of Key West, life here is all about embracing the moment. The Keys are perfect for retirees who dream of endless sunsets and a sense of adventure. Check out my guide on The Keys.

Things to Do:

  • Historic Sites: Visit the Ernest Hemingway Home and Museum in Key West to explore the author’s former residence. 
  • Nature Tours: Participate in eco-friendly tours, such as dolphin watching or exploring marine sanctuaries. 

Things to Know:

  • Transportation: While the Keys are connected by the Overseas Highway, consider the availability of transportation options, especially if you prefer not to drive.
  • Healthcare Access: Evaluate the proximity and quality of healthcare facilities in the area to ensure they meet your needs.

10. Ft. Lauderdale: Nostalgia and New Beginnings

Ft. Lauderdale holds a special place in my heart—it was the first place I visited in Florida, back in the spring break days of the 80s. What a transformation this city has undergone! Today, it’s a sophisticated destination known for its picturesque canals, beautiful beaches, and an impressive culinary scene. Retirees can enjoy a relaxed yet refined lifestyle, with plenty of opportunities for boating, golfing, and exploring the nearby Everglades.

Things to Do:

  • Cultural Events: Attend performances at local theaters or visit art galleries in the Riverwalk Arts and Entertainment District.
  • Senior Programs: Engage in community programs designed for seniors, such as fitness classes or social gatherings.

Things to Know:

  • Cost of Living: Ft. Lauderdale offers a range of housing options, but it’s important to assess the cost of living to ensure it aligns with your retirement budget.
  • Climate Considerations: Be prepared for the warm, humid climate and the potential for hurricanes during certain seasons.

11. Central Florida: Iconic Architecture and Nature

Central Florida
Bok Tower – Photo credit: Visit Central Florida Tourism

Central Florida offers a perfect blend of outdoor adventures, cultural experiences, and access to top-notch healthcare. With its rolling hills, picturesque lakes, and vibrant communities, this region is ideal for retirees who want to enjoy Florida’s natural beauty while staying connected to modern amenities. Check out my guide on Central Florida.

Things to Do:

  • Explore Bok Tower Gardens, known for its lush landscapes and stunning carillon tower.
  • Enjoy the Chain of Lakes, perfect for a peaceful day outdoors.
  • Visit Mount Dora, a charming town famous for its antique shops and annual festivals.
  • Lego Land: Ideal day trip with the grandkids!

Things to Know:

  • Cost of Living: Central Florida offers a lower cost of living compared to coastal areas, making it budget-friendly for retirees.
  • Location: Its central location provides easy access to Orlando’s airport and major attractions like Walt Disney World.
  • Community: The area features numerous 55+ communities designed with retirees in mind.

As you embark on your travels, remember that our journey leaves an impact. Embrace eco-friendly accommodations, support local communities, and reduce plastic use. Respect wildlife by observing from afar and conserve resources like water and energy. Choose sustainable transportation, leave no trace behind, and participate in conservation efforts. Educate yourself and others about the environment you’re exploring. Let’s ensure that we tread lightly on our planet, leaving only footprints of kindness and taking home memories that inspire others to protect our beautiful world. And, be excellent to each other.

Happy responsible travels!