At the top of that close-by short list is this year’s No. 1 best place to retire overall: Lancaster, Pennsylvania, which was last year’s No. 2.
Lancaster edged out two Florida communities: Fort Myers (No. 2, last year’s No. 15) and Sarasota (No. 3, last year’s No. 1).
(See U.S. News’ top 10 best places to retire for 2019 in the gallery above.)
The D.C. area dropped from the top 10, but not by much. It’s now at No. 12 out of the 100 largest U.S. metropolitan areas that were ranked. D.C. scored highly in terms of factors that are important for retirees, such as health care quality and the job market, said Emily Brandon, U.S. News’ senior editor for retirement.
D.C., however, did fall short in one key factor: the cost of housing.
“As everyone who’s there already knows, it can be very difficult for retirees to afford housing in the D.C. area,” Brandon said. “But if you can manage it, there are a lot of other perks.”
Other cities in the region that were ranked include Allentown, Pennsylvania (No. 18 overall); Harrisburg, Pennsylvania (No. 29); Philadelphia (No. 31); Richmond, Virginia (No. 47); Baltimore (No. 56); and Virginia Beach, Virginia (No. 71).
How each area was scored
U.S. News calculated each community’s score based on six factors.
The retiree taxes index (14.4 percent) is based on a measurement of the expected “friendliness” of sales and income taxes. A blended composite of tax rates was used for areas like D.C. that are in multiple jurisdictions.
The job market index (9.8 percent) reflects how the meaning of “retirement” has evolved. This measures opportunities for part-time and even full-time work.
The desirability index (15 percent) was measured via an online survey about how strongly respondents were interested in a given area.
Find the right fit … while you’re still working
The best time to start thinking about landing spots, Brandon said, is before you even retire.
“Take a look at what you plan to do in retirement and what services you might need before you move to a place to make sure that the place will allow you to do all the things that you want to do in retirement,” she said.
And finding the right fit in a city, Brandon added, might mean trying it on, so to speak, before making the decision final: “Try it through all seasons and for a year before you permanently settle there.”
Also: Keep in mind that picking the right neighborhood is as much of a factor as picking the right city. Don’t be so quick to write off an area, Brandon said, because a better fit might just be across town.
“The neighborhood can play a big role in how happy you are,” she said.