| Key takeaways |
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| Spain, Malaysia, and Portugal top the global rankings for the best places to retire, based on cost of living, healthcare, safety, home prices, taxes, climate, and visa access. Within the U.S., budget-friendly, retiree-friendly markets in Florida and Arizona remain strong contenders, while under-the-radar spots like Bend, Oregon, offer resort-caliber retirement living without the crowds. Wherever you land, Pacaso's co-ownership model makes it easier to secure a real second home in a top retirement destination without the cost or hassle of owning it outright. |
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What are the best countries to retire in?
Based on our scoring across cost of living, healthcare, safety, home prices, taxes, climate, and retirement visa access, these are the 15 best countries to retire in right now.1. Spain
Imagine sipping sangria at a local tapas bar while chatting with your neighbors until sunset. That is an average evening in Spain. Beyond the Mediterranean climate and world-class healthcare, Spain offers retirees something uniquely special: a culture that celebrates aging. Being a "jubilado" (retiree) here means you are respected and included in community life, and the "sobremesa" tradition of lingering after meals for conversation makes it easy to build lasting friendships with locals and fellow expats. Retirees who want a European base often gravitate toward Madrid for its blend of world-class culture, walkability, and excellent healthcare.2. Malaysia
Malaysia stands out among the best countries to retire in for its mix of Eastern hospitality and Western amenities. Retirees particularly appreciate senior discounts on everything from travel to dining, and many qualify for the Malaysia My Second Home (MM2H) program, a long-stay visa route designed for retirees aged 50 and over. Its strategic location also makes it easy to explore the rest of Southeast Asia during your golden years.3. Portugal
Portugal offers an enviable lifestyle at a surprisingly gentle price point. What sets it apart is a deeply rooted cafe culture, where you can spend hours people-watching over a pastel de nata and coffee for just a few euros. The Portuguese concept of "saudade," a loving longing for life's beautiful moments, resonates with retirees seeking meaning in their next chapter.4. Belgium
Belgium offers a sophisticated twist on European living: start your day with world-class chocolate, spend afternoons exploring UNESCO-listed medieval towns, and end evenings sampling one of more than 1,500 unique beer varieties. Retirees value the country's central location as a home base for European travel, and its commune system ensures every neighborhood has its own distinct identity and community center.5. New Zealand
If your idea of retirement includes staying active while surrounded by dramatic scenery, New Zealand delivers. The SuperGold Card system gives seniors free off-peak public transport and discounts at thousands of businesses, and the country's tramping (hiking) culture makes it easy to join a local seniors' walking group and discover trails while building new friendships. Add New Zealand's high safety ranking, and it is one of the best foreign countries to retire in.6. United Arab Emirates (UAE)
The UAE offers retirees a unique proposition: tax-free living in a country where tradition meets a genuinely modern lifestyle. Its retirement visa grants five-year renewable residency without the need for employment, allows multiple entry, and lets retirees sponsor dependents, with eligibility based on meeting a property, savings, or income threshold. "Smart Government" digital services also let residents handle most administrative tasks from home.7. Mexico
Mexico ranks among the easiest countries to retire to from the U.S., and for good reason. Just a short flight from major U.S. cities, Los Cabos offers a blend of familiar comforts and exotic charm at the tip of Baja California, with world-class sport fishing, whale watching, and year-round golf. The high number of English speakers and wide acceptance of U.S. dollars make the transition smoother, though healthcare needs planning: Original Medicare does not cover care in Mexico, and the Medicare Advantage plans that do are generally limited to emergency and urgent care. "Tercera edad" (third age) benefits add discounts on everything from groceries to airline tickets, and in Cabo's thriving expat community, retirees find countless organized activities, from sunset yacht cruises to desert adventure clubs, making it easy to build a social life from day one.8. Thailand
Thailand's appeal goes far beyond its tropical climate and affordable living. In cities like Chiang Mai, retirees can join early morning tai chi groups, learn traditional crafts, or become part-time English conversation partners at local schools.9. Ireland
The Emerald Isle offers more than stunning landscapes. Its Age Friendly Ireland program ensures communities are designed with seniors in mind, from accessible public spaces to social clubs, and the Active Retirement network organizes everything from dance classes to mystery tours. Many retirees find themselves drawn into the local storytelling tradition, whether through a writing group or a chat at the neighborhood pub.10. Switzerland
Switzerland's price tag might raise eyebrows, but its benefits make it one of the best places to retire in the world for retirees seeking a premium quality of life and genuine peace of mind as one of the safest countries anywhere. Swiss rail offers a discounted GA Travelcard for Seniors, and many museums, ski passes and cable cars extend reduced rates from age 62. Plus, many universities offer free courses to seniors. Healthcare wait times are among the world's shortest, and house calls from doctors remain common.11. Italy
Living "la dolce vita" takes on new meaning in Italy, consistently rated among the best places to retire outside the U.S. Each region offers its own version of retirement, from joining olive harvesting communities in Tuscany to taking part in Sicily's evening passeggiata. Senior social centers provide spaces for everything from chess tournaments to cooking classes.12. United Kingdom
Beyond afternoon tea and historic villages, living in the U.K. offers retirees unique opportunities to stay engaged. The absence of a language barrier makes the transition seamless, and the University of the Third Age movement offers free courses ranging from archaeology to zoology. Britain's National Trust membership provides unlimited access to hundreds of historic properties and gardens, and the NHS offers comprehensive care that often costs less than U.S. healthcare.13. Morocco
Morocco extends a long-standing tax break to foreign retirees on pension income, and in cities like Fez, daily life still runs through the medina: craft workshops, neighborhood hammams, and a pace that rewards staying a while.14. France
France elevates retirement to an art form, offering more than wine and cheese, though those are excellent perks. The country's public healthcare system, Assurance Maladie, is renowned as one of the best in the world, providing universal coverage to legal residents. A "senior solidarity" program keeps retirees connected through regular community events, and many regions offer culture passes for discounted access to museums, theaters, and concerts. Whether you are exploring picturesque villages or searching for the best place to live in Paris, an active social scene, including a local pétanque club, can quickly make you part of the neighborhood.15. Chile
Chile's beautiful landscapes are matched by a genuine national commitment to healthy aging, making it one of the top countries to retire in. The country's health ministry runs Más Adultos Mayores Autovalentes, a community program built around keeping older adults active and independent, and gated residential communities designed for active retirees are common outside the major cities. A growing digital nomad retiree community makes it easy to connect with fellow expats while exploring everything from the Atacama Desert to Patagonia.What are the best places to retire in the U.S.?
Not every retiree wants to relocate abroad, and the U.S. has no shortage of destinations that check the same boxes: comfortable climate, strong healthcare access, and an active, community-driven lifestyle. Among the best places to retire in the U.S., a few stand out for retirees who also want the option of a vacation home:- Scottsdale, Arizona: More than 330 days of sunshine a year, over 50 nearby golf courses, and a walkable Old Town with restaurants and galleries make Scottsdale a perennial favorite.
- Palm Springs, California: With more than 300 days of sunshine annually and easy access to Joshua Tree National Park, Palm Springs pairs Mid-Century Modern style with a slower pace of life.
- Charleston, South Carolina: Low taxes, a temperate climate, and a historic, walkable downtown make Charleston a longtime retiree favorite in the Southeast.
- Naples and the Florida Gulf Coast: Warm winters, no state income tax, and a large, established retiree community continue to draw people to Florida's Gulf Coast.
- Park City, Utah: For retirees who want four-season recreation, Park City offers world-class skiing, hiking, and a compact, walkable mountain town.
What are some best-kept-secret places to retire?
For retirees who want the lifestyle without the crowds, a few lesser-known holiday retirement locations offer the same appeal as their more famous counterparts, often at a lower cost and a slower pace:- Bend, Oregon: A high-desert alternative to the more crowded mountain towns, with year-round outdoor recreation, a walkable downtown, and a growing craft food and beer scene.
- The Cotswolds, England: English countryside charm, stone villages, and easy rail access to London make the Cotswolds a peaceful alternative to city retirement in the U.K.
- Sonoma County, California: A more relaxed alternative to Napa Valley, with excellent wine, farm-to-table food, and a laid-back coastal and agricultural landscape.
How is this ranking calculated?
To determine the rankings for the 15 best countries for retirement, we developed a scoring system based on seven key factors. Each factor was selected to reflect the priorities of retirees looking for a safe, affordable, comfortable, and fulfilling retirement experience.Cost of living (25%)
Cost of living carried the highest weight in our rankings, as affordability is a top priority for retirees. The metric used for each country was the cost of living index sourced from Numbeo, which considers average monthly living costs like groceries, utilities, and transportation. Rent and mortgage costs were not included in this index.Healthcare (20%)
Access to quality healthcare is especially important for retirees, so it was assigned the second-highest weight. We sourced the healthcare index from Numbeo, which estimates the overall quality of each country's healthcare system based on professionals, equipment, staff, and costs.Safety (20%)
Living in a safe place makes retiring a more comfortable experience. Our rankings pulled from the Global Peace Index, which examines how peaceful each country is by looking at how well different groups within the country coexist, a nation's relationship with its neighbors and the global community, and internal stability and law enforcement effectiveness.Average home price (15%)
Housing is a major expense for retirees, and affordability can significantly affect quality of life. To gauge housing accessibility, we sourced the average percentage of income spent on home prices in each location from Numbeo.Taxes (10%)
Tax policies can significantly affect retirees' budgets. We factored in tax benefits for retirees, such as Social Security tax exemptions and sales tax for each country, and averaged these figures.Climate (5%)
A comfortable climate plays an important role in retirees' lifestyles and well-being. We used a climate index that ranked cities worldwide based on temperature and weather patterns.Retirement visa (5%)
Countries that offer a retirement visa and make the process easy can be an important factor for retirees. Results were binary, logging countries that include retirement visas and those that do not.How can Pacaso help you retire in style?
Retirement is the chapter you have been working toward: the one where time finally belongs to you, and the destinations that matter most become more than just places on a calendar. Maybe it is the sunny coast where you always said you would spend more time, or the European town where your family has made memories for years.But choosing where to retire also comes with real tension. Buying a home outright in a favorite destination, whether that is Los Cabos, Scottsdale, or Paris, means significant capital and the ongoing work of managing a property across time zones, languages, and legal systems, often for a home you will only use part of the year.This is where Pacaso comes in. Pacaso allows buyers to purchase a share (1/8 to 1/2) of a fully managed luxury home through a property-specific LLC, giving them a true real estate asset without the full cost of ownership. Every Pacaso home is Design-certified and comes with a dedicated Home Manager, so owners arrive to a home that is ready to enjoy, not one that needs maintenance, cleaning, or vendor coordination. Because many Pacaso homes are eligible for Swap, the owner-only home exchange in the Pacaso app, owners are not locked into a single destination. They can split time between a home in Los Cabos one season and Scottsdale the next, without owning multiple properties outright.If you are exploring buying property abroad or closer to home, Pacaso can guide you through the details, from financing to ongoing management, so retirement feels like the reward it should be.Best places to retire FAQs
01: What are the best places to retire?
The best places to retire tend to combine an affordable cost of living, high-quality and accessible healthcare, strong safety records, a comfortable climate, reasonable home prices, favorable tax treatment for retirees, and an accessible retirement visa or residency program.
02: Which countries rank highest for retirement?
Based on our scoring across cost of living, healthcare, safety, home prices, taxes, climate, and visa access, Spain, Malaysia, and Portugal rank as the top three countries to retire in, followed by Belgium and New Zealand.
03: What are the best places to retire in the U.S.?
Scottsdale, Arizona; Palm Springs, California; Charleston, South Carolina; Florida's Gulf Coast; and Park City, Utah are among the best places to retire in the U.S., offering favorable climates, strong healthcare access, and active retiree communities.
04: Are there any best-kept-secret places to retire?
Yes. Destinations like Bend, Oregon; the Cotswolds in England; and Sonoma County, California, offer the same lifestyle appeal as more famous retirement spots, often with fewer crowds and a lower cost of entry.
05: How can I obtain a retirement visa?
Most countries offer retirement visas or residency programs tailored for retirees, typically requiring a minimum age, proof of stable income such as a pension or Social Security benefits, and health insurance. Always consult official government resources or an immigration expert for country-specific guidance.
06: Do other countries tax Social Security benefits?
Whether Social Security benefits are taxed abroad depends on your host country's tax treaty with your home country. Countries with tax treaties often ensure Social Security is only taxed once, typically in your home country, so it is worth researching the relevant treaty or consulting an international tax advisor.
07: How does Pacaso make it easier to own a home in a top retirement destination?
Pacaso allows buyers to purchase a share (1/8 to 1/2) of a fully managed luxury home through a property-specific LLC, giving them a true real estate asset without the full cost of ownership. Pacaso handles design, furnishing, and ongoing management, so owners can enjoy the home rather than maintain it.
08: Can I split time between multiple retirement destinations without buying multiple homes?
Yes. Because most of Pacaso's portfolio is eligible for Swap, owners can use their time across different Pacaso destinations, making it possible to enjoy a coastal home one season and a European city the next without owning more than one property.







