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America's 50 Richest Retirement Towns
Does it surprise you to hear that California is home to a sizable number of the nation's richest retirement towns? Already beloved for its warm weather and scenic beaches, the Golden State is home to 13 affluent retirement havens, according to new GOBankingRates data.
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To find the country's 50 richest retirement towns, GOBankingRates sourced the U.S. Census American Community Survey for all cities with populations above 15,000 and senior populations with a percentage of 25% or higher. Additional factors sourced include each city's median income and livability index.
Saratoga, California, is the richest retirement town in America. The median household income in Saratoga is $241,348.
An impressive 13 California towns ranked among the 50 wealthiest retirement metros, the most out of any state. The towns and respective ranks include Saratoga (1), Ranchos Palos Verdes (3), Laguna Beach (9), Walnut Creek (11), Cerritos (12), Fair Oaks (27), Rancho Mirage (29), Lincoln (30), Pacific Grove (33), Los Osos (41), Arroyo Grande (42), Cameron Park (45) and La Quinta (46).
Nine affluent Florida retirement towns also cracked the top 50. These towns and ranks are as follows: Naples (8), Lakewood Ranch (15), Palm Valley (21), Palm City (22), Palm Beach Gardens (28), Marco Island (38), Palmer Ranch (39), Estero (43) and East Lake (49).
Keep reading to find out which 50 retirement towns are among the richest in America.
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Population 65+ (%): 25.9%
Median household income: $241,348
Livability: 81
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Population 65+ (%): 25.8%
Median household income: $228,120
Livability: 67
Population 65+ (%): 26.0%
Median household income: $175,307
Livability: 58
Population 65+ (%): 26.3%
Median household income: $159,882
Livability: 78
Population 65+ (%): 27.0%
Median household income: $158,398
Livability: 87
Population 65+ (%): 27.3%
Median household income: $155,675
Livability: 61
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Population 65+ (%): 25.6%
Median household income: $155,321
Livability: 80
Population 65+ (%): 56.2%
Median household income: $140,833
Livability: 79
Population 65+ (%): 27.8%
Median household income: $140,508
Livability: 66
Population 65+ (%): 26.3%
Median household income: $139,707
Livability: 82
Population 65+ (%): 29.0%
Median household income: $135,665
Livability: 77
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Population 65+ (%): 25.3%
Median household income: $133,953
Livability: 74
Population 65+ (%): 25.0%
Median household income: $124,632
Livability: 72
Population 65+ (%): 25.9%
Median household income: $124,123
Livability: 78
Population 65+ (%): 31.4%
Median household income: $123,471
Livability: 63
Population 65+ (%): 29.9%
Median household income: $120,685
Livability: 73
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Population 65+ (%): 34.4%
Median household income: $119,591
Livability: 82
Population 65+ (%): 26.3%
Median household income: $119,454
Livability: 83
Population 65+ (%): 33.6%
Median household income: $119,212
Livability: 61
Population 65+ (%): 29.9%
Median household income: $118,462
Livability: 67
Population 65+ (%): 26.4%
Median household income: $118,280
Livability: 70
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Population 65+ (%): 28.8%
Median household income: $117,689
Livability: 81
Population 65+ (%): 25.7%
Median household income: $114,682
Livability: 70
Population 65+ (%): 25.6%
Median household income: $113,844
Livability: 68
Population 65+ (%): 26.3%
Median household income: $113,301
Livability: 66
Population 65+ (%): 34.9%
Median household income: $113,201
Livability: 70
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Population 65+ (%): 25.5%
Median household income: $111,332
Livability: 57
Population 65+ (%): 30.6%
Median household income: $110,563
Livability: 70
Population 65+ (%): 49.9%
Median household income: $109,943
Livability: 49
Population 65+ (%): 27.2%
Median household income: $108,108
Livability: 67
Population 65+ (%): 26.2%
Median household income: $107,372
Livability: 82
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Population 65+ (%): 38.0%
Median household income: $105,944
Livability: 70
Population 65+ (%): 28.9%
Median household income: $105,568
Livability: 84
Population 65+ (%): 25.2%
Median household income: $105,535
Livability: 88
Population 65+ (%): 34.9%
Median household income: $105,342
Livability: 81
Population 65+ (%): 39.4%
Median household income: $104,955
Livability: 73
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Population 65+ (%): 39.6%
Median household income: $104,788
Livability: 69
Population 65+ (%): 59.0%
Median household income: $104,105
Livability: 70
Population 65+ (%): 51.1%
Median household income: $103,682
Livability: 72
Population 65+ (%): 27.5%
Median household income: $103,561
Livability: 79
Population 65+ (%): 26.5%
Median household income: $103,504
Livability: 66
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Population 65+ (%): 25.7%
Median household income: $103,258
Livability: 77
Population 65+ (%): 50.7%
Median household income: $100,459
Livability: 79
Population 65+ (%): 31.9%
Median household income: $100,124
Livability: 65
Population 65+ (%): 25.3%
Median household income: $97,786
Livability: 56
Population 65+ (%): 31.1%
Median household income: $97,628
Livability: 57
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Population 65+ (%): 25.3%
Median household income: $97,348
Livability: 67
Population 65+ (%): 39.2%
Median household income: $96,715
Livability: 63
Population 65+ (%): 28.7%
Median household income: $93,862
Livability: 65
Population 65+ (%): 25.8%
Median household income: $92,746
Livability: 64
Editor's note: Photos are for representational purposes only and might not reflect the exact locations listed.
Methodology: For this study, GOBankingRates analyzed cities to find the richest retirement towns. First, GOBankingRates found cities with populations above 15,000 and population percentages for 65+ age range of 25% or higher, as sourced from the U.S. Census American Community Survey. With these 142 cities isolated, the total households, population ages 65 and higher and household median income were also sourced from the American Community Survey for each location. The livability index was sourced from AreaVibes. The cities were sorted to show the highest median household income, representing the 'richest' cities. All data was collected on and is up to date as of Feb. 4, 2025.
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This article originally appeared on America's 50 Richest Retirement Towns
