Retiring in Arizona: A Complete Guide
Dreaming of spending your golden years in the desert? Learn about what to consider if you are retiring in Arizona.
Arizona is one of the more popular retirement locations in the United States.
Roughly one-fifth of the state’s population is over the age of 65.
It’s a warm, dry state with plenty of natural beauty and wonders, including the Grand Canyon and Sonoran Desert.
Some retirees may be concerned about the climate, though, as summer temperatures can average more than triple digits.
Retirees may consider cities like Sedona, Scottsdale, or Tucson.
According to data from the U.S. Census Bureau, in 2024, Arizona had a population of approximately 7.6 million people, with more than 19% of the population being over the age of 65, making it a state with a fairly large population of retirees.
What age can you retire in Arizona?
The short answer: Any age you’d like.
As with every other state, Arizona has no specific retirement age, at least not one that is mandated by law. This means that individuals are free to retire whenever they choose as long as they can financially support themselves.
However, there are some age-related benefits and considerations for retirees in Arizona:
Social Security benefits: The earliest age at which you can begin receiving Social Security benefits is 62, but if you delay taking benefits, your monthly payments will increase. Full retirement age (FRA) is between 66 and 67, depending on your birth year. Delaying benefits until after FRA can result in even higher monthly payments.
Medicare eligibility: Medicare eligibility begins at age 65, regardless of retirement status. However, if you choose to retire before age 65, you will need to find alternative healthcare coverage until you become eligible for Medicare.
Retirement savings: Regardless of retirement age, individuals should start saving for retirement as early as possible. Many financial experts recommend saving at least 15% of their income for retirement.
However, like anywhere in the US or abroad, there are both pros and cons to retiring in the state.
Why do people retire to Arizona?
Arizona is a popular retirement destination for many Americans seeking a warm climate, outdoor activities, and a lower cost of living compared to some states, like neighboring California.
With its dry, diverse landscape — including the Sonoran Desert, the Grand Canyon, mountain ranges, and more — Arizona offers a unique retirement experience that attracts many retirees every year.
Some of its main draws include:
Warm climate: Arizona is known for its warm climate, with over 300 days of sunshine per year. This makes it an attractive destination for retirees who want to avoid harsh winter conditions. However, it can be incredibly hot in the summer, with temperatures in many parts of the state regularly topping 100℉.
Outdoor activities: Arizona is home to numerous National Parks (with the Grand Canyon being the crown jewel), forests, and lakes, providing ample opportunities for outdoor activities such as hiking, camping, fishing, and golfing.
Cost of living: Arizona's cost of living is generally lower than California's (from which many retirees migrate), making it an affordable retirement destination. Housing and healthcare costs, in particular, are lower than in many other states.
Cultural scene: Arizona has a vibrant cultural scene, with numerous museums, galleries, and performing arts venues. The state hosts several festivals and events throughout the year, including the Tucson Gem and Mineral Show, the Scottsdale Arabian Horse Show, and the Phoenix Film Festival.
What puts people off retiring to Arizona?
Arizona may sound great to prospective retirees who are looking to settle in a new state, but there are some things to consider.
Healthcare access: While Arizona has a lower cost of living, some retirees may find it challenging to access healthcare services in certain rural areas.
Retirement income taxes: Arizona does tax retirement income, including Social Security benefits and pensions, which could impact retirees on a fixed income.
Natural disasters: Arizona is prone to natural disasters such as wildfires, dust storms, and flash floods, which could be a concern for retirees living in certain areas. Not to mention heat waves.
Where are the best places to retire in Arizona?
If Arizona is your chosen retirement state, here are some of the best places to retire:
Sedona: Located in northern Arizona, Sedona is known for its stunning red rock formations, hiking trails, and, as some claim, the area’s spiritual energy. It offers a peaceful and scenic environment for retirees who enjoy outdoor activities and relaxation.
Scottsdale: Scottsdale is a popular retirement destination located in the Phoenix metropolitan area. It offers a warm and sunny climate, numerous golf courses, and a thriving arts and culture scene. Retirees can enjoy shopping, dining, and entertainment in the city's many neighborhoods.
Tucson: Tucson is another popular retirement destination in Arizona. It is known for its mild winters, beautiful scenery, and rich cultural heritage. Retirees can enjoy outdoor activities such as hiking, golfing, and biking, as well as a vibrant downtown area with museums, galleries, and restaurants.
Prescott: Prescott is a small city located in northern Arizona, known for its charming downtown area, mild climate, and outdoor recreational opportunities. It offers a small-town feel with easy access to nature and cultural events.
Green Valley: Green Valley is a retirement community located south of Tucson. It offers a warm and sunny climate, beautiful scenery, and a variety of amenities for retirees, including golf courses, fitness centers, and cultural events.
Sun City: Sun City is a large retirement community in the Phoenix metropolitan area. It offers a range of amenities for retirees, including golf courses, swimming pools, and community centers. Retirees can enjoy a warm and sunny climate and easy access to shopping, dining, and entertainment.
Get expert financial advice
Arizona offers a range of retirement options, from tailored communities with good amenities for retirees to vibrant towns with a cultural scene.
The state’s tax burden is a consideration, so it's important to seek expert financial advice to weigh all of the costs associated with retiring in Arizona. These can include property taxes, insurance, and living expenses. Then, you can make an informed decision about whether the state is the right choice for your retirement.
Find an independent advisor through Unbiased to help you work through your retirement planning today.
Content Writer
Sam Becker is a freelance writer and journalist based near New York City. He is a native of the Pacific Northwest and a graduate of Washington State University. He has worked as a business and finance journalist and writer for more than a decade, working with media publications, brands, and experts in the field