Texas · best for retirees · #33 of 50 states

Best Cities for Retirees in Texas

Texas ranks #33 of 50 for retirees, with a retirees score of 58.8. Flower Mound is its best city for retirees at 70.7.

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#1 city in TX for retirees

Flower Mound70.7

Retirees score out of 100

Texas, all states: #33 of 50
Population: 78,389

Open Flower Mound →

Tax burden

7.77%

% of income

Income tax

None

State + local

Life expectancy

77.1 yr

CDC NCHS

Home value

$299,367

Typical home value

Cost of living

97.1

BEA RPP · 100 = avg

Texas for Retirees: The Full Picture

At #33 out of 50, Texas isn't a traditional retirement hotspot — but that doesn't tell the whole story. The state has genuine strengths in affordability, and retirees with specific priorities (safety, established communities) may find it suits them better than the aggregate ranking suggests.

For retirees, healthcare access and tax friendliness are non-negotiable. Texas's health score of 38/100 is a concern — at 77.1 years, life expectancy trails the national average, and access to quality care can be uneven. On the tax front, the overall burden stands at 7.77% of income. The absence of state income tax is a meaningful benefit for retirees living on fixed incomes. Property taxes run 1.63% (effective rate), which is above average and can meaningfully affect housing costs for homeowners on fixed incomes.

A typical home value of $299,367 is manageable for retirees selling homes in higher-cost markets. The state's safety profile is reassuring, with a safety score of 62/100. Livability amenities are more limited compared to top-ranked states, so retirees who value a vibrant social scene should focus their search on the state's larger metro areas.

All 74 Cities Ranked for Retirees

# City	Grade	Retirees score	Overall	Health	Household finances	Affordability	Population
1Flower Mound	A+	70.7	67.4	69	98	45	78,389
2Cedar Park	A	69.3	66.3	67	86	55	78,301
3Frisco	A	67.8	66.6	72	99	44	219,304
4Sugar Land	A	67.4	63.0	75	89	57	110,016
5Allen	A	66.0	63.3	67	86	53	110,265
6The Woodlands	A	65.8	63.6	71	91	55	121,002
7Leander	A	65.5	65.2	65	90	54	74,067
8Plano	A	64.9	62.9	67	77	54	290,594
9Georgetown	A	64.8	63.4	62	67	59	85,999
10Carrollton	B+	64.5	62.7	62	71	59	133,740
11Round Rock	A	64.2	64.9	58	69	60	127,786
12McKinney	A	63.4	65.3	62	84	53	210,600
13League City	B+	63.1	62.2	66	83	63	116,215
14Pflugerville	B+	63.0	62.3	63	80	59	65,971
15Grapevine	B+	63.0	60.6	68	76	53	51,139
16Mansfield	A	62.1	63.4	61	82	55	77,510
17Wylie	B+	61.8	62.6	59	82	53	60,334
18Pearland	B+	61.8	59.5	61	84	61	127,514
19Rowlett	B+	61.7	59.4	61	78	56	65,463
20Burleson	B	61.6	58.7	59	68	63	52,918
21Richardson	B+	61.5	62.7	67	65	55	118,731
22North Richland Hills	B	61.1	57.4	61	69	60	70,780
23Lewisville	B+	58.9	61.0	53	65	60	131,080
24Missouri City	C+	58.1	54.4	56	68	62	76,558
25Euless	B	57.9	55.8	60	62	62	60,421
26San Angelo	C+	57.9	54.9	46	49	80	99,674
27New Braunfels	B+	57.7	60.0	57	64	67	104,643
28Austin	B	57.7	58.1	67	59	54	979,539
29Midland	B	57.0	56.9	51	56	69	136,640
30Kyle	B+	56.8	60.7	55	63	64	56,823
31Tyler	C+	56.8	53.8	44	47	77	109,215
32Irving	B	56.7	57.3	61	56	63	256,492
33Little Elm	B	56.3	56.7	55	76	55	54,820
34DeSoto	C	55.3	52.0	39	62	62	56,211
35Denton	B	54.6	57.3	52	44	64	152,866
36Wichita Falls	C+	54.1	52.6	47	34	85	102,581
37Garland	C+	53.6	54.5	50	49	65	246,844
38College Station	C+	53.6	54.5	63	8	74	124,570
39Conroe	B	53.5	56.2	53	53	69	102,360
40El Paso	C	53.4	52.3	44	32	83	680,130
41Longview	C	53.0	51.1	40	36	82	82,923
42Atascocita	B	52.4	57.0	57	78	63	99,354
43Bryan	C+	52.4	54.7	48	24	79	87,939
44Fort Worth	C+	52.0	54.2	49	51	65	963,194
45Grand Prairie	C+	52.0	54.0	49	53	64	201,883
46Temple	C+	52.0	52.5	34	40	78	89,602
47Arlington	C	51.1	51.2	51	49	65	397,742
48Odessa	C+	50.9	52.8	42	42	76	115,322
49Amarillo	C+	50.3	52.5	41	40	81	201,885
50Abilene	C	50.0	52.0	48	38	82	128,053
51Laredo	C	49.6	50.3	33	29	85	257,619
52Waco	C	48.3	50.2	41	21	79	143,570
53Dallas	C	48.0	50.7	47	40	65	1,307,930
54Mission	C	47.6	50.7	37	31	87	87,038
55San Antonio	C	47.6	49.8	45	37	75	1,479,835
56Texas City	C	47.3	52.3	38	40	74	55,364
57Killeen	D	47.3	46.1	28	35	79	158,159
58McAllen	C+	47.2	52.6	35	30	85	145,385
59Mesquite	C	47.2	49.2	43	47	67	149,299
60Victoria	C	46.6	50.5	39	36	81	65,625
61Lubbock	C	46.1	50.2	48	32	80	264,814
62Galveston	D	45.8	48.2	43	25	69	53,424
63San Marcos	C	45.4	51.4	52	13	70	70,897
64Spring	D	45.2	46.8	50	60	68	68,580
65Corpus Christi	D	43.3	45.6	38	38	78	317,419
66Edinburg	C	42.9	49.8	35	18	86	104,550
67Pasadena	D	42.1	46.9	40	34	75	149,433
68Harlingen	D	41.8	47.6	33	17	89	72,087
69Baytown	D	41.0	43.5	39	33	75	85,205
70Pharr	D	40.4	45.1	25	12	88	80,333
71Houston	D	40.3	44.3	44	32	70	2,328,253
72Brownsville	D	39.8	42.7	32	19	89	189,177
73Beaumont	F	37.7	38.0	30	26	83	113,279
74Port Arthur	F	33.8	36.6	16	7	87	55,828

City retirees scores use each city's own data, with the category weights rescaled over the categories the city has; outdoor access has no city-level measure and is left out. City scores for retirees also weigh the county's expected yearly building losses from natural hazards (FEMA), lower is better; the share of adults without health insurance (CDC PLACES), a sign of local healthcare access, lower is better; the median age of residents (Census ACS), older is better: more peers and retiree services.

Compare: States with Similar Retirees Rankings

Also See: Texas for Other Lifestyles

Frequently Asked Questions

Is Texas a good state for retirees?

Texas ranks #33 out of 50 for retirees with a persona-weighted score of 58.8/100. Its strongest relevant category is Affordability (74/100) and its weakest is Outdoor Access (5/100).

What is the best city for retirees in Texas?

Flower Mound ranks #1 in Texas for retirees with a score of 70.7/100, followed by Cedar Park and Frisco.

What factors are most important for retirees in Texas?

Rankings weighted toward low taxes, quality healthcare, affordable living, safety, community livability, and pleasant environment — the priorities for retirement years.