What Makes Texas a Top Retirement Destination – Best Places to Retire in Texas

Texas has been a favorite retirement destination for various reasons. Firstly, its warm climate attracts those looking to escape the cold. The state also boasts diverse landscapes, from rolling hills to stunning coastlines, providing ample opportunities for outdoor activities. Additionally, Texas offers a low cost of living compared to many other states, making retirement savings go further. The vibrant culture and friendly residents make transitioning to life in Texas enjoyable for retirees.

Best Cities to Retire in Texas

Key Features of City Retirement

Retiring in a city has its unique perks. Access to cultural events, dining options, and world-class healthcare facilities are some of the advantages. However, it’s essential to consider factors like cost of living, crime rates, and community engagement when choosing the right city for retirement.

Austin: The Live Music Capital

Austin, the state capital, is renowned for its vibrant music scene and lively cultural events. Retirees in Austin can enjoy a diverse range of entertainment options, from music festivals to art galleries. The city’s welcoming atmosphere and numerous parks make it a great place for leisurely strolls and outdoor activities.

San Antonio: A Blend of History and Modernity

San Antonio offers a unique blend of historical charm and modern amenities. With its iconic River Walk, historic missions, and lively downtown, retirees can experience the best of both worlds. The city’s rich heritage and friendly locals create a warm and inviting environment.

Houston: The Energy Capital

Houston, a bustling metropolis, boasts world-class healthcare facilities and a thriving job market. Retirees in Houston can take advantage of its diverse dining scene, cultural institutions, and green spaces. The city’s dynamic atmosphere ensures there’s always something exciting to explore.

There are also, othr places that are best to live, here are those safest neighborhoods in houston & best places to live in florida for young adults.

Best Towns to Retire in Texas

Small Town Living Advantages

Retiring in a small town offers a sense of community and a quieter lifestyle. Many small towns are considered as best places to live in Texas have preserved their historical charm while embracing modern amenities for residents’ convenience.

Fredericksburg: Quaint German Charm

Fredericksburg exudes a charming German influence, evident in its architecture and festivals. Retirees here can explore local wineries, antique shops, and picturesque landscapes. The town’s friendly community fosters a strong sense of belonging.

Georgetown: A Charming Victorian Gem

Georgetown is a delightful town with Victorian-era architecture and a lively arts scene. Retirees can enjoy leisurely walks through the town’s historic square, boutique shopping, and cultural events. The town’s small-town charm and warm hospitality create a welcoming environment.

Rockport: Coastal Beauty and Serenity

Rockport offers retirees a coastal retreat with breathtaking views and a relaxed atmosphere. The town’s fishing piers, art galleries, and wildlife refuges provide ample opportunities for nature lovers. Rockport’s serene surroundings make it a perfect spot for a peaceful retirement.

Best Places to Retire in Texas on a Budget

Cost of Living Considerations

For some retirees, living on a fixed income is a priority. Texas offers several budget-friendly options without compromising on quality of life.

Fort Worth: Affordable Urban Living

Fort Worth provides an affordable urban lifestyle with a range of cultural attractions and recreational opportunities. The city’s diverse neighborhoods cater to various interests, ensuring retirees find the perfect fit for their needs.

Brownsville: A Budget-Friendly Border Town

Brownsville, located near the Mexican border, offers a low cost of living and a friendly community. Retirees can enjoy the town’s historical sites, beautiful parks, and proximity to South Padre Island’s beaches.

Abilene: Affordable Small Town Comfort

Abilene provides retirees with a comfortable and affordable small-town experience. The town’s museums, theaters, and parks offer engaging activities for residents. Abilene’s strong sense of community and cost-effectiveness make it an excellent choice for retirement.

Retirement in the Texas – Hill Country

The Beauty of the Hill Country

The Texas Hill Country is renowned for its scenic beauty, offering a peaceful and rejuvenating environment for retirees.

Kerrville: Hill Country Oasis

Kerrville is a picturesque town nestled in the Hill Country, surrounded by nature’s beauty. Retirees can enjoy outdoor activities, visit local wineries, and participate in community events. Kerrville’s tranquil setting ensures a relaxing retirement experience.

Boerne: A Historic Hill Country Retreat

Boerne boasts a rich history and a welcoming community. Retirees can explore the town’s art galleries, specialty shops, and historic sites. Boerne’s scenic landscapes and friendly residents create an inviting atmosphere.

New Braunfels: Riverside Charm

New Braunfels offers retirees a riverside escape with a range of recreational opportunities. The town’s vibrant German heritage is celebrated through festivals and events. New Braunfels’ riverfront setting and close-knit community provide a serene retirement destination.

Best Small Towns To retire in Texas Near Water

The Serenity of Living Near Water

Living near water has a calming effect on the mind and body. Texas offers retirees plenty of options to settle near its beautiful coastlines, lakes, and rivers.

Corpus Christi: Coastal Relaxation

Corpus Christi provides retirees with a coastal haven and access to various water-based activities. The city’s lively beachfront and cultural scene ensure an enjoyable retirement experience.

Lake Jackson: Lakeside Tranquility

Lake Jackson offers retirees a tranquil lakeside retreat with a strong sense of community. The town’s parks and recreational areas make it ideal for outdoor enthusiasts.

Wimberley: A Riverfront Escape

Wimberley is a hidden gem along the Blanco River, perfect for retirees seeking a peaceful retreat. The town’s art galleries, boutique shops, and natural beauty create a serene atmosphere.

Safest Places to Retire in Texas

Factors Influencing Safety

Safety is a top concern for retirees when choosing a place to call home. Texas has several communities with low crime rates and a welcoming environment.

Colleyville: A Secure Suburban Haven

Colleyville boasts a low crime rate and a tight-knit community. Retirees can enjoy the town’s parks, golf courses, and family-friendly atmosphere.

Friendswood: A Safe and Welcoming Community

Friendswood is known for its excellent schools and safe neighborhoods. Retirees here can participate in local events and enjoy a warm and inviting atmosphere.

Trophy Club: Serene Living with Low Crime

Trophy Club offers retirees a serene and safe living environment. The town’s recreational opportunities and beautiful surroundings make it an attractive retirement destination.

Retiring at Different Ages in Texas

Understanding Retirement Age

Retirement age varies among individuals, and Texas offers opportunities for retirees at various stages of life.

Early Retirement at 55

For early retirees, Texas provides options for an active lifestyle and diverse communities to explore.

Standard Retirement at 62

Retiring at 62 opens up possibilities to access social security benefits while enjoying the state’s attractions.

Retirement at 65 and Beyond

Those retiring at 65 or beyond can find comfort in the state’s diverse retirement communities and healthcare options.


Retiring in Texas offers a myriad of opportunities for a fulfilling and enjoyable lifestyle. Whether you prefer the vibrancy of city life, the charm of small towns, the tranquility of the Hill Country, or the serenity of living near water, Texas has something to offer. Its warm climate, friendly communities, and affordability make it a top choice for retirees looking to embark on an exciting new chapter in the Lone Star State.


What Are the Taxes Like in Texas for Retirees?

Texas is known for its lack of state income tax, making it an appealing destination for retirees. However, it’s essential to consider property taxes and other costs associated with living in specific areas.

Does Texas Offer Retirement-Friendly Healthcare Options?

Yes, Texas has numerous retirement communities with access to top-notch healthcare facilities and specialized services to cater to the needs of retirees.

What Are the Best Ways to Stay Active During Retirement in Texas?

Texas offers a wealth of recreational activities, such as hiking, golfing, and water sports, allowing retirees to stay active and maintain a healthy lifestyle.

Are There Any Age-Restricted Retirement Communities in Texas?

Yes, Texas has several age-restricted retirement communities that cater exclusively to retirees aged 55 and older, providing a supportive and social environment.

Can I Retire in Texas If I’m Not a U.S. Citizen?

Absolutely! Texas welcomes retirees from all around the world. However, it’s essential to understand visa and residency requirements for living in the United States during retirement.

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