White Sand, Warm Weather, And No State Income Tax — This Wealthy Florida Town Is Ranked As The Top Retirement Destination

According to U.S. News & World Report, Naples, Florida, is officially the No. 1 place to retire in 2025. If you're picturing white sandy beaches, endless sunshine, and a retirement filled with golf, fine dining, and zero state income tax, you're on the right track. While others may have different opinions, this ranking is based on factors like affordability, healthcare quality, and overall happiness.

So, what exactly makes Naples stand out from the 150 cities analyzed? 

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According to U.S. News & World Report, Naples ranked highly based on:

• Desirability: Naples ranked No. 3 in the U.S. for desirability, meaning a lot of retirees want to live here. A SurveyMonkey poll of 3,500 people factored in the number of entertainment options, restaurants, and other attractions relative to the population size.
• Quality of Life: With stunning beaches, a low crime rate, and plenty of recreational opportunities, Naples offers a high standard of living.
• Retiree Tax Benefits: Florida has no state income tax, which is a huge financial perk for retirees.
• Healthcare: Naples is home to top-rated medical facilities like NCH Baker Hospital, providing excellent healthcare access.
• Affordability (Or Lack Thereof): While Naples ranked high in many categories, affordability wasn't one of them. The median home price is $576,169, which is more than double the national average of $281,000, according to Zillow.

For decades, Naples has been known as a haven for wealthy retirees and seasonal residents, aka "snowbirds." During the winter months, people from colder states flock to the city, filling up golf courses, luxury shopping districts, and waterfront restaurants. Come summer, many of them head back north, leaving Naples quieter—but still stunning.

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According to U.S. News, PJ Smith, president of the Naples Area Board of Realtors, spent 20 years as a snowbird before making the move permanent. "First impressions were: fantastic beaches, easy access to the beach, and many options for golf memberships," he told the publication. "Old Naples' Fifth Avenue and Third Street areas are lovely for walking, shopping, and people-watching. Plus, it's very dog-friendly!"

But even paradise has its downsides. Traffic congestion spikes in winter, and the high cost of living makes it challenging for some retirees on fixed incomes. While Naples ranks high for desirability and lifestyle, some may find better affordability elsewhere.

Florida homeowners also face some of the highest insurance premiums in the country. In 2024, the average cost of homeowners insurance in Florida was reportedly $10,996, according to local daily newspaper The News-Press.

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While Naples may have its appeal—and plenty of people consider it retirement paradise—it's definitely not everyone's cup of tea…or piña colada. 

Some retirees prefer the coastal charm of Virginia Beach, Virginia, the culture and top-tier healthcare in New York, or the more affordable housing options in places like Boise, Idaho or Raleigh, North Carolina. Others might find Sarasota offers a similar Florida lifestyle without quite as steep of a price tag. At the end of the day, the best retirement spot comes down to what fits your lifestyle, priorities, and, of course, your wallet. A financial advisor can help you figure out where your dream retirement actually makes sense—whether that's Naples or somewhere you never even considered.

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