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Best Cities, States & Places

Surprising Places to Retire If You Hate the Cold

Florida and Arizona aren't the only options for warm-weather retirees.

Want to retire where it’s warm? Join the club. Florida and Arizona are popular – and obvious – destinations. But if you prefer the less-obvious, here are three great places to consider.

See Also: 15 Worst States for Retirement

Carlsbad, Calif.

Average high temperature in July: 70℉

Average low temperature in January: 45℉

Cost of living for retirees: 33.8% above U.S. average

Share of population 65+: 14.0%

California's tax rating for retirees: Least Tax-Friendly

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Lifetime health care costs for a retired couple: Above average at $408,522

Just up the coast from San Diego, Carlsbad is a small city with mild winters and lots of sunshine. There are plenty of beaches, parks, trails and golf courses to keep outdoor lovers busy.

New Orleans

Average high temperature in July: 91℉

Average low temperature in January: 45℉

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Cost of living for retirees: 4.3% below U.S. average

Share of population 65+: 10.9%

Louisiana's tax rating for retirees: Most Tax-Friendly

Lifetime health care costs for a retired couple: About average at $395,452

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Don’t overlook New Orleans. Good music and good food can be enjoyed year-round, not just during Mardi Gras. Housing is affordable, and Louisiana is one of the most tax-friendly states for retirees.

Hilo, Hawaii

Average high temperature in July: 83℉

Average low temperature in January: 64℉

Cost of living for retirees: 55.6% above U.S. average

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Share of population 65+: 18.0%

Hawaii's tax rating for retirees: Mixed

Lifetime health care costs for a retired couple: Below average at $332,090

If you want to retire in an actual paradise complete with trade winds and palm trees, but still stay in the U.S., retire in Hilo. Located on the Big Island of Hawaii, Hilo isn’t cheap, but it’s much cheaper than Honolulu. You’ll find waterfalls, rain forests and volcanos just outside your door.

Take a look at seven more places to retire if you hate the cold.