Arizona is a popular choice for retirees seeking a warm climate and financial benefits, particularly its exemption of Social Security income from state taxes. While it lacks coastal options, the state’s desert landscapes and quality of life attract many looking to settle down.
Recent research by GOBankingRates evaluated livability across Arizona cities with populations over 10,000, where at least 33% of residents are aged 65 or older. The study used a livability index (scored out of 100) based on median income and overall quality of life metrics. Here are the top 10 most livable Arizona retirement towns:
Top 10 Most Livable Arizona Retirement Towns
- Oro Valley: 34.9% of the population is 65+, with a livability score of 81.
- Cottonwood: 34.1% over 65, livability at 77.
- Prescott: A higher concentration of seniors at 40.5%, with a livability score of 72.
- Sun City: Predominantly a retirement destination, with 74.9% of residents aged 65+, but a livability score of 71.
- Catalina Foothills: 34.9% over 65, scoring a livability of 70.
- Fountain Hills: 39.6% senior population, with a livability index of 69.
- Apache Junction: 33.7% over 65, livability at 67.
- Payson: 37.8% senior population, with a livability score of 66.
- Fort Mohave: 37.5% aged 65+, livability at 65.
- Lake Havasu City: 35.3% over 65, with a livability score of 63.
Methodology
The GOBankingRates analysis used U.S. Census Bureau data (2023 5-year American Community Survey) to identify cities meeting population criteria. Livability scores were sourced from AreaVibes.com to gauge the overall quality of life in each location. The ranking prioritizes cities with the highest livability index, representing the most desirable retirement destinations. All data is current as of July 29, 2025.
These rankings provide valuable insights for retirees seeking the best combination of affordability, community, and lifestyle in Arizona.
