3. Scottsdale, Arizona

Why it’s on the list: Scottsdale offers an abundance of golf courses, upscale shopping, and a desert landscape.

Cost of Living: The cost of living is slightly above the national average, but Arizona doesn’t tax Social Security benefits.

Taxes: Arizona has a moderate income tax rate, but Social Security benefits are tax-exempt.

Climate: Scottsdale enjoys a hot desert climate with mild winters, perfect for outdoor activities.

Medical Availability: The city has excellent medical facilities, including the Mayo Clinic in nearby Phoenix.

Housing: Scottsdale has various housing options, from luxury condos to gated retirement communities.

Retiree Community: Scottsdale attracts retirees seeking an active, sun-soaked lifestyle.