Retirement is a time to enjoy the fruits of your labor — but some places will cost you a small fortune. In 2025, these retirement towns are known for their scenic beauty, luxury living, and… hefty price tags. Here are the 10 most expensive retirement towns in the U.S. this year.
1. Naples, Florida
Naples offers year-round sunshine, upscale golf communities, and beachside luxury — but at a premium. The cost of living here is nearly 20% higher than the national average, and median home prices are pushing $1 million.
2. Aspen, Colorado
Known for its ski resorts and elite status, Aspen is a retirement haven for the ultra-wealthy. The high cost of homes, services, and exclusivity make this one of the most expensive places to retire in the country.
3. La Jolla, California
With cliffside mansions, high-end shops, and ocean views, La Jolla offers a luxurious California lifestyle. But it comes with sky-high property taxes and living expenses that outpace most areas of the state.
4. Honolulu, Hawaii
Retiring in paradise sounds ideal — until you consider the cost. Honolulu combines stunning views with high housing and grocery prices. Still, it remains a dream spot for retirees who can afford it.
5. Palm Beach, Florida
This town is synonymous with wealth. Palm Beach is known for its pristine beaches, private clubs, and expensive estates. It’s popular with retired executives and celebrities seeking privacy and luxury.
6. Charleston, South Carolina
Historic charm and coastal views make Charleston a favorite among retirees — but the demand has driven prices up significantly in 2025. Expect high real estate prices and costly medical services in retirement here.
7. Santa Barbara, California
This Mediterranean-style coastal town features wine country living, boutique shops, and high-end healthcare facilities. Santa Barbara is beautiful — and expensive.
8. Greenwich, Connecticut
A favorite among New York retirees looking for luxury outside the city. Greenwich offers upscale amenities and a peaceful environment, but the high property taxes and wealthy reputation keep costs elevated.
9. Scottsdale, Arizona
With luxury golf resorts and top-tier medical centers, Scottsdale is becoming a retirement magnet. But its cost of living has risen sharply, especially in elite communities.
10. Cape Cod, Massachusetts
Charming, peaceful, and rich in coastal beauty — Cape Cod has long been a retiree favorite. But property values and seasonal costs make it one of the most expensive towns to settle in post-career.
Final Thought: Retiring in luxury comes at a cost — but for those who can afford it, these towns offer world-class living in some of America’s most desirable destinations.
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According to the Social Security Administration, retirees often underestimate the cost of healthcare and housing when planning their golden years.
Use this Retirement Calculator to estimate how much you’ll need to retire in places like Aspen or Naples.
