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Commitment to Our Readers<\/p>\n
GOBankingRates’ editorial team is committed to bringing you unbiased reviews and information. We use data-driven methodologies to evaluate financial products and services – our reviews and ratings are not influenced by advertisers. You can read more about our editorial guidelines<\/a> and our products and services review methodology<\/a>.<\/p>\n 20 Years Trusted by Retirement looks different for everyone, but one thing is universal: you want your savings to last. Where you choose to live plays a big role in how far your money goes. Taxes, housing, healthcare and everyday expenses vary widely across the country, and moving to the right state or even the right city<\/a> can free up thousands of dollars each year.<\/p>\n I asked ChatGPT where retirees should live in 2025 for maximum savings<\/a>, and here\u2019s what it told me.<\/p>\n What Makes a Place Affordable for Retirees?<\/p>\n Before naming states and cities, ChatGPT pointed out the factors that actually stretch retirement savings:<\/p>\n Taxes: States that don\u2019t tax Social Security or retirement income let you keep more. The Best States for Saving in Retirement<\/p>\n According to ChatGPT, these states stand out in 2025 for retirees who want to maximize savings<\/a>:<\/p>\n Florida ChatGPT also highlighted a few specific cities where retirees can save more<\/a> without giving up too much quality of life:<\/p>\n Orlando, Florida: Warm weather, active retiree communities and no state income tax. Trade-Offs to Keep in Mind<\/p>\n![\"\"](\"https:\/\/cdn.gobankingrates.com\/wp-content\/uploads\/2023\/11\/icon-20.svg?webp=1&quality=75\"){kind=icon}
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Millions of Readers<\/p>\n
\nHousing: Downsizing helps, but choosing a low-cost housing market stretches savings further.
\nCost of living: Groceries, utilities, gas and insurance vary widely from state to state.
\nHealthcare access: Low costs don\u2019t matter if you have to travel hours for decent medical care.
\nLifestyle fit: A low cost of living isn\u2019t worth it if you hate the weather or feel isolated.<\/p>\n
\nNo state income tax
\nRetirement-friendly policies
\nPlenty of sunshine and retiree communities
\nDownside: Home insurance costs are rising, especially in coastal areas
\nSouth Dakota
\nTennessee
\nNo state tax on retirement income
\nLow housing costs compared to national averages
\nMild climate in many areas
\nDownside: Higher sales taxes than some states
\nMissouri
\nAffordable housing in both rural and suburban areas
\nAccess to healthcare in mid-sized cities
\nModerate cost of living
\nDownside: Higher property taxes than states with no income tax<\/a>
\nWyoming
\nVery low tax burden
\nWide open spaces and scenic living
\nAffordable small towns
\nDownside: Limited healthcare access in rural areas
\nCities That Stretch Retirement Dollars<\/p>\n
\nToledo, Ohio: Very affordable housing, lower everyday expenses and decent healthcare options.
\nPoplar Bluff, Missouri: A small-town feel with affordable housing and access to nature.
\nDecatur, Alabama: Low cost of living, mild winters<\/a> and access to healthcare in nearby Huntsville.<\/p>\n