Retirees Are Choosing Permanent Homes Over Seasonal Stays
USAFri Jan 16 2026
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More and more Americans are choosing to move to a new state permanently instead of splitting their time between two homes. This shift is happening because people are realizing they can live better and save money by moving to a state with lower taxes and cheaper living costs.
The main reason for this change is money. States like Texas and Florida don't tax income, so many wealthy people are moving there. On the other hand, states like California and New York are losing money because so many people are leaving. Other states, like Wyoming and Idaho, are also becoming popular because they don't tax estates.
But moving to a new state isn't always easy. Some states are making it harder for people to change their official residency. They check things like how many days someone spends in the state, where they vote, and even where their family heirlooms are kept. This makes it difficult for people who want to keep a home in their old state.
Another big reason people are moving is the rising cost of living. Insurance costs have gone up by more than 30% since 2020, and property taxes have increased by 27% since 2019. These costs can add up, especially for retirees who want to leave a legacy for their families.
To make a smooth move, experts suggest starting the planning process years before retirement. This gives people time to research new places, understand tax laws, and build a community. It's also important to plan finances carefully to avoid paying too much in taxes when selling a home.
Florida used to be a top choice for retirees, but now other states are becoming more popular. Arizona, for example, added over 20, 000 retirees in 2023. People are looking for places that are affordable, safe from climate risks, and offer a good lifestyle.
The key to a successful move is to treat it like a strategy, not an emotional decision. People should visit potential new homes, make connections, and understand the tax and healthcare systems. With careful planning, retirees can build a long-term lifestyle that works for them.
