Retiring in Arizona vs. Florida: Which State Is Right for You?
Arizona and Florida are America’s top two retirement destinations—and for good reason. Both offer sunshine, 55+ communities, and year-round activities. But which one is right for you?
Here’s a side-by-side breakdown to help you decide.
1. Climate
Arizona: Dry desert heat. Summers are hot, but winters are mild and sunny.
Florida: Humid subtropical. Warm year-round, but prone to hurricanes and heavy summer storms.
Winner: Arizona for dry heat lovers and allergy sufferers; Florida for beach fans.
2. Cost of Living
Arizona: Lower property taxes (0.62%), lower insurance costs, no tax on Social Security income.
Florida: No state income tax, but higher homeowners insurance and hurricane-related expenses.
Winner: Tie—it depends on the type of home you’re buying and your insurance needs.
3. Home Prices
Arizona (Sun City West): Median home ~$375,000
Florida (The Villages): Median home ~$450,000
Winner: Arizona offers more affordability, especially in 55+ communities.
4. Lifestyle & Activities
Arizona: Hiking, golfing, national parks, desert beauty
Florida: Beaches, fishing, boating, Disney, arts & culture
Winner: Depends on your interests—but Arizona is known for strong community involvement in retirement neighborhoods.
5. Healthcare Access
Arizona: Home to Mayo Clinic, Banner Health
Florida: Many specialized senior medical centers
Winner: Tie—both states prioritize senior healthcare.
6. Community Vibe Arizona retirement communities like Sun City West offer close-knit neighborhoods, golf-cart-friendly roads, and endless clubs. Florida has more tourism and transience.
Winner: Arizona if you want a consistent community feel year-round.
If dry heat, affordability, and strong community vibes sound like your dream retirement—Arizona wins. But if you can’t live without the ocean, Florida may call your name. Either way, Dream Home Catchers can help you find your perfect place to land.
