2026 Retirement Study: Where are Americans actually retiring?
2026 Retirement Study: Where are Americans actually retiring?
2026 Retirement Study: Where are Americans actually retiring?
Looking For The Right Place To Retire?
Looking For The Right Place To Retire?
Looking For The Right Place To Retire?
You've probably already seen the "best places to retire" lists. They rank cities by taxes, weather, and cost of living.
But we wanted to ask a different question: where are people actually retiring? Where are they putting their moving dollars? Where are they actually choosing to go?
Download the study for ideas that maybe exactly what you need when looking for a place to retire!
You've probably already seen the "best places to retire" lists. They rank cities by taxes, weather, and cost of living.
But we wanted to ask a different question: where are people actually retiring? Where are they putting their moving dollars? Where are they actually choosing to go?
Download the study for ideas that maybe exactly what you need when looking for a place to retire!
A Few Key Findings from the Zoe Retirement Study
A Few Key Findings from the Zoe Retirement Study
We looked at real U.S. Census and IRS migration data for adults 60 and older. Some of what we found will surprise you. Famous retirement towns are losing older residents.
From beach towns, to the suburbs, to the mountains, American retirees are putting their moving dollars into smaller, overlooked locations you may never have heard of! Read Zoe’s study to find where the data shows are the places older Americans are choosing. And maybe you would like to explore, too!
We looked at real U.S. Census and IRS migration data for adults 60 and older. Some of what we found will surprise you. Famous retirement towns are losing older residents.
From beach towns, to the suburbs, to the mountains, American retirees are putting their moving dollars into smaller, overlooked locations you may never have heard of! Read Zoe’s study to find where the data shows are the places older Americans are choosing. And maybe you would like to explore, too!
01
01
Famous retirement towns are losing older residents
Famous retirement towns are losing older residents
Famous retirement towns are losing older residents
Park City loses 49 older adults per 1,000 each year. Jackson Hole loses 35. Sioux Falls and Pittsburgh are shrinking too, even though major lists still recommend them.
Park City loses 49 older adults per 1,000 each year. Jackson Hole loses 35. Sioux Falls and Pittsburgh are shrinking too, even though major lists still recommend them.
02
The places people are actually moving to may surprise you
Hertford, NC. Palm Coast, FL. Ridgeland, SC. These places gain older residents faster than almost anywhere in the country. None of them show up on the big lists.
03
Where wealthy people move is not the same as where retirees move
Mountain West luxury markets attract high-income buyers but are losing full-time retirees on net. Knowing the difference could change where you decide to go.
02
The places people are actually moving to may surprise you
Hertford, NC. Palm Coast, FL. Ridgeland, SC. These places gain older residents faster than almost anywhere in the country. None of them show up on the top 10 lists.
03
Where wealthy people move is not the same as where retirees move
Mountain West luxury markets attract high-income buyers but are losing full-time retirees on net. Knowing the difference could change where you decide to go.
Download the White Paper
Download the White Paper
Download the White Paper
The lists say one thing.
The data says another.
The lists say one thing.
The data says another.
The lists say one thing. The data says another.
Some of the most recommended retirement destinations in the country are the ones where older adults are leaving fastest. And some of the strongest real retirement markets never make the lists at all.
Some of the most recommended retirement destinations in the country are the ones where older adults are leaving fastest. And some of the strongest real retirement markets never make the lists at all.
Some of the most recommended retirement destinations in the country are the ones where older adults are leaving fastest. And some of the strongest real retirement markets never make the lists at all.
"Park City loses 49 older residents per 1,000 every year. Hertford, NC gains 86."
“Park City loses 49 older residents per 1,000 every year. Hertford, NC gains 86.”
“Park City loses 49 older residents per 1,000 every year. Hertford, NC gains 86.”
Now find where
you should retire
Now find where
you should retire
Now find where
you should retire
The guide shows where retirees across America are moving. But the right answer for you depends on your budget, your health needs, your family, and what kind of life you want. Answer seven short questions and see how 126 destinations score against your specific situation. Takes about 3 minutes.
The guide shows where retirees across America are moving. But the right answer for you depends on your budget, your health needs, your family, and what kind of life you want. Answer seven short questions and see how 126 destinations score against your specific situation. Takes about 3 minutes.
The guide shows where retirees across America are moving. But the right answer for you depends on your budget, your health needs, your family, and what kind of life you want. Answer seven short questions and see how 126 destinations score against your specific situation. Takes about 3 minutes.
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Zoe Financial, Inc. (“Zoe Financial”) is an investment adviser registered with the U.S. Securities and Exchange Commission. Registration does not imply a certain level of skill or training. Zoe Financial provides investment advisory services and access to independent registered investment advisers through its platform. Learn more about Zoe Financial on the SEC’s Investment Adviser Public Disclosure website. Brokerage services are provided by Zoe Securities LLC and Apex Clearing Corporation, members of the Financial Industry Regulatory Authority Inc. (FINRA) and Securities Investor Protection Corporation (SIPC). Learn more about Zoe Securities and Apex on FINRA’s BrokerCheck website. The information provided by Zoe Financial is for educational and informational purposes only and should not be construed as personalized investment advice or as an offer to buy or sell any security. All investments involve risk, including possible loss of principal.
The information in the visuals are for illustrative purposes only, and doesn’t represent an actual user’s account, balance, or return. Zoe Financial does not provide tax or legal advice.
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Strategies and techniques discussed—including fractional trading, direct investing, asset allocation, rebalancing, tax-loss harvesting, and direct indexing—may not be suitable for all investors, may have limitations, and can trigger fees, expenses, and tax consequences.
Strategies and techniques discussed—including fractional trading, direct investing, asset allocation, rebalancing, tax-loss harvesting, and direct indexing—may not be suitable for all investors, may have limitations, and can trigger fees, expenses, and tax consequences.
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Zoe Financial, Inc. (“Zoe Financial”) is an investment adviser registered with the U.S. Securities and Exchange Commission. Registration does not imply a certain level of skill or training. Zoe Financial provides investment advisory services and access to independent registered investment advisers through its platform. Learn more about Zoe Financial on the SEC’s Investment Adviser Public Disclosure website. Brokerage services are provided by Zoe Securities LLC and Apex Clearing Corporation, members of the Financial Industry Regulatory Authority Inc. (FINRA) and Securities Investor Protection Corporation (SIPC). Learn more about Zoe Securities and Apex on FINRA’s BrokerCheck website. The information provided by Zoe Financial is for educational and informational purposes only and should not be construed as personalized investment advice or as an offer to buy or sell any security. All investments involve risk, including possible loss of principal.
The information in the visuals are for illustrative purposes only, and doesn’t represent an actual user’s account, balance, or return. Zoe Financial does not provide tax or legal advice.
Fiduciary Advisors shown not affiliated or endorsed by Zoe Financial
Strategies and techniques discussed—including fractional trading, direct investing, asset allocation, rebalancing, tax-loss harvesting, and direct indexing—may not be suitable for all investors, may have limitations, and can trigger fees, expenses, and tax consequences.
Strategies and techniques discussed—including fractional trading, direct investing, asset allocation, rebalancing, tax-loss harvesting, and direct indexing—may not be suitable for all investors, may have limitations, and can trigger fees, expenses, and tax consequences.
Explore the Zoe Wealth Platform with AI
Some of this content may have been generated with the assistance of AI. Please review and sense-check all outputs, as AI tools can occasionally produce incomplete or inaccurate information.
In certain situations, you may be required to disclose that the content was “generated by AI.” Please confirm any specific disclosure or labelling requirements with Compliance.
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