If you’ve ever dreamed of retiring in a place where the sun shines year-round, the taxes are low, and the lifestyle is laid-back, you’re not alone.
Florida has long been a top choice for retirees, and in 2025, several towns across the Sunshine State have officially earned top spots on national retirement rankings.
From luxurious Gulf Coast cities to charming inland communities, these are the Florida towns retirees are flocking to this year—and exactly why they’re so appealing.
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1. Naples: A Luxury Haven on the Gulf
Naples continues to dominate national rankings as the best place to retire in 2025.
Nestled along Florida’s Gulf Coast, this upscale beach town is known for its white-sand shores, elegant neighborhoods, and top-rated golf courses. Retirees love Naples for its safety, cleanliness, and walkability.
But it’s not just the beauty that draws people here—Naples also has some of the best healthcare facilities in the state, including the NCH Healthcare System.
There are plenty of social opportunities too, whether you’re attending an art gallery opening, enjoying sunset dinners on the beach, or playing pickleball with your neighbors.
The cost of living is higher than average, but many say the quality of life is worth every penny.
2. The Villages: Florida’s Most Active Retirement Community
If you’re looking for the ultimate active adult lifestyle, The Villages is your spot.
Located in Central Florida, this massive 55+ community is like a city of its own—with more than 140,000 residents and everything from grocery stores to golf courses to movie theaters right inside the community.
The Villages is designed for retirees who want to stay social and active. It features over 50 golf courses, hundreds of clubs and organizations, and even its own radio station.
There are free nightly events in the town squares, and you can get around almost entirely by golf cart.
Healthcare is also built into the community, with multiple care centers and a robust medical network.
And despite being one of the largest retirement communities in the country, it still offers a small-town feel.
3. Punta Gorda: Charming and Affordable Waterfront Living
Looking for something quieter and more affordable? Punta Gorda might be your dream retirement destination.
This small waterfront town along Charlotte Harbor is known for its historic charm, scenic canals, and relaxing pace of life.
What makes Punta Gorda stand out is its strong sense of community. The downtown area is walkable, lined with boutique shops, restaurants, and weekly farmers’ markets.
Retirees love boating here, thanks to the extensive canal system that connects many homes directly to the harbor.
It also has a relatively low cost of living, making it a smart pick for budget-conscious retirees.
And despite its small size, Punta Gorda offers quality healthcare and an active senior community with regular events, fitness programs, and clubs.
4. Sebring: Peaceful and Budget-Friendly
Tucked away in Central Florida’s Highlands County, Sebring is gaining attention as one of the best small towns for retirees in 2025.
This under-the-radar spot offers a lower cost of living, scenic lakes, and a slower pace that’s perfect for those looking to get away from the crowds.
The area is home to Lake Jackson (pictured above) and a handful of nature preserves, so outdoor lovers will feel right at home.
You’ll find fishing, boating, and walking trails—all without the beach-town price tag.
Sebring is also known for hosting the Sebring International Raceway, bringing occasional bursts of excitement to an otherwise peaceful community.
Real estate is very affordable here, and with several retirement communities nearby, it’s a great fit for those who value space, quiet, and affordability.
Healthcare is accessible, with the Highlands Regional Medical Center serving the area.
5. Sarasota: Culture Meets Coastal Living
Just north of Naples, Sarasota has made a name for itself as a retirement hotspot—and for good reason.
This Gulf Coast gem blends beautiful beaches with a rich arts and culture scene, making it a great choice for retirees who want more than just a beach chair and a margarita.
Sarasota is home to world-class venues like the Van Wezel Performing Arts Hall and the Ringling Museum.
The downtown area offers a walkable, urban feel, while nearby Siesta Key provides the perfect beach escape.
Plus, Sarasota’s healthcare system is excellent, with Sarasota Memorial Hospital ranking among the best in the state.
It’s also a bit more affordable than Naples, with a range of housing options from waterfront condos to quiet 55+ communities inland.
Why These Florida Towns Are Leading the 2025 Retirement Rankings
So, what makes these towns the best in Florida for retirees this year?
A few common themes keep popping up—and they’re worth considering if you’re thinking about relocating for retirement.
Climate and Lifestyle
Florida’s warm climate is obviously a major draw. These towns all offer plenty of sunshine, mild winters, and access to outdoor activities year-round.
Whether it’s strolling along the beach, hitting the golf course, or simply enjoying happy hour by the water, life moves at a slower, sunnier pace in these communities.
Cost of Living and Housing Options
While places like Naples come with a premium price tag, many of the towns on this list offer a good mix of affordability and quality.
Sebring and Punta Gorda, for example, are significantly more budget-friendly, while Sarasota and The Villages offer a range of price points depending on your lifestyle needs.
From waterfront condos to low-maintenance villas and 55+ communities, these towns offer something for every retirement budget.
Healthcare Access
Access to quality healthcare is essential in retirement, and each of these towns delivers on that front.
Naples, Sarasota, and The Villages have top-ranked hospitals and medical networks, while smaller towns like Punta Gorda and Sebring have regional hospitals and easy access to specialists.
Community and Social Life
Retirement doesn’t mean isolation. These Florida towns are packed with opportunities to stay social—from arts and music festivals to fitness groups and community events.
The Villages, especially, is famous for its active social calendar. Even smaller towns like Punta Gorda offer fun community events and markets that bring people together regularly.
Final Thoughts: Is Florida Right for Your Retirement?
Whether you’re dreaming of beachfront sunsets, golf cart rides to the grocery store, or simply a more peaceful pace of life, these Florida towns offer a little something for every retiree.
From luxurious coastal escapes like Naples and Sarasota to charming inland gems like Sebring and The Villages, 2025’s top-ranked retirement towns reflect the diverse lifestyles that Florida can offer.
And with no state income tax, warm weather all year, and endless opportunities for relaxation and recreation, it’s easy to see why so many are making the move.
So if retirement is on your horizon, now might be the perfect time to explore what Florida has to offer. You’ve earned it.
Looking for more places in Florida to retire? Check out this article from Florida For Boomers.
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Booking a last-minute trip to Florida?
If so, we have you covered. Here are some top recommended tours and experiences!
Top Tours in Florida – Viator
Top Hotels In Florida – Booking.com
Looking To Get Around In Florida?
Check out rental car rates here! 🚗
