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Arizona is the Best State for Retirement

Tony Ray Baker
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Arizona is the Best State for Retirement

Tucson has plenty of reasons for you to love it, the amazing Mexican food, the spectacular sunsets, and the low-key winters just to name a few. But did you know that being in Arizona puts us in one of the top 7 tax-friendly states? That’s great news for people looking to relocate and especially good for retirees on a fixed income. Here’s why Arizona is the best state for retirement.

Tucson For the Retired

We’ve assembled a list of tax-free items so you can see, at a glance, the biggest tax reasons Tucson, Arizona is the place to be and the best state for the retired.

Arizona is a Top 7 Tax-Friendly State
Arizona is a Top 7 Tax-Friendly State

Tax-free:

  1. Estate and inheritance 
  2. Groceries
  3. Military retirement income
  4. Prescription drugs
  5. Railroad retirement income
  6. Social-Security benefits

Tax-Breaks:

  1. Up to $2,500 of income from federal government, designated Arizona state government, and Arizona local government retirement plans is exempt.
  2. Senior residents could qualify for a property tax refund of $502.
  3. Seniors of 70 and older can qualify to defer their property taxes if they’ve lived in their home for 6 years and in Arizona for 10.
  4. For AZ state government, and AZ local government up to $2,500 in retirement plans are exempt.

Tax-Basics:

  1. Arizona has a 5.6% state levy
  2. Cities can add up to 5.6% but the states median is 8.4%
  3. Low end income tax is 2.5%, the high is 5.7%
  4. There is a 3.5% surtax on (taxable) income over $250,000 for single filers and $500,00 for joint filers.

Ok so technically all this information applies to the entire state of Arizona as a whole, however… We really believe that once you’ve looked around at what AZ has to offer you will find that Tucson is not only economically feasible but it’s also the warmest and welcoming city you will find on our stretch of the Sonoran Desert. When you’re done with the rest, come back to the best!

Tucson Ranked in Top 10 Cities Best Positioned for Pandemic Recovery

Tony Ray Baker
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Tucson Ranked in Top 10 Cities Best Positioned for Pandemic Recovery

According to Forbes magazine, Tucson is one of the top 10 cities in the best position for a post pandemic recovery. Using data collected from Moody’s Analytics they predict the top 10 and the 10 worst cities. “Note that they are sorted alphabetically in order to avoid assigning false precision to our calculations,” Kamins tells Forbes Women.

Tucson is a Top City That Will Recover From Coronavirus
Tucson is a Top City That Will Recover From Coronavirus

Pandemic Recovery Ranking Method

Moodys examines the density of population and compares it against the number of jobs that require a higher degree. They also take into consideration the density of cases across different counties. Those 2 factors alone could indicate why Tucson makes it into the top 10. Because it’s a college town Tucson is overflowing with smart people and has an abundance of open spaces. 

Some of the other top contenders are Denver (CO), San Jose (CA), and Washington DC. Noticeably these places are also university towns and have beautiful natural resources. Surprisingly Austin, TX did not make this list. Austin is frequently set side by side to Tucson as another blue city in a red state.

Now that the gloating is over we will look at a few of the cities that did not make it. Some of the results may surprise you.

The Have-nots

What do Honolulu (HI), Los Angeles (CA), New York City (NY), and Tampa (FL) all have in common? Aside from being on the top 10 worst recovery cities list? High density, overcrowding tourist traps. Yup, the higher your tourism the more likely you’re in an area heavily afflicted with Coronavirus. They predict that there will be mass out-migration from these densely populous areas towards more sprawling towns. 

Covid 19 is going to loom large in the public consciousness for years to come. For the very young and impressionistic pandemic recovery may always haunt them, much like children of the Great Depression often stockpile non-perishables or hideaway cash money. 

We are certainly fortunate to be in a position where, not only are we poised to recover well, but it’s such a beautiful, and delicious, place to be till then. But, for the foreseeable future, we still have to be vigilant. We have to be willing to do our parts for the greater good. Yes, we are all sick of wearing masks, but for a better future, we must do better now.

Best City for Young Creatives

Tony Ray Baker
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Best City for Young Creatives
Tucson Voted Best City for Young Creatives
Tucson Voted Best City for Young Creatives

Tucson ranked #1 Best City for Young Creatives by CreativeLive.com.

Could the Southwest be the new Silicon Valley?

Organizations like Startup Tucson and the McGuire Center for Entrepreneurship seem to think so.

With collaborative co-working spaces like Connect Co-Working, The RailYard, Spoke6, GangPlankHQ, and Co+Hoots plus entrepreneurial, art and tech meet-ups springing up across the sunny city, Tucson is wooing young entrepreneurs like crazy, and was even named one of the top tech hubs of last year.

Top it off with really cheap rent, one of the lowest housing markets in the country and a happening downtown, Arizona starts to looking like a delicious place for young creatives with an idea and a dream.

The affordable housing market really does set Tucson apart from big cities.

Young creatives thriving in these cities are obviously pulling in a chunky paycheck, but when you factor in how much of that money is going towards housing, the big city appeal starts to dwindle. Not to mention many of these rentals are tiny, and crowded and lack privacy.

Home ownership still is a great way to build wealth and invest in the future. The peace of mind that comes with having this kind of stability and not having to move every year or every few years is also incredible.

Another thing to consider when you’re looking for a place to live and deciding where to buy a house, is would the property and location also make a good rental? Because you never know, with your more settled and thriving life, maybe you’ll be in a place to buy another home and rent out the first, or possibly you’d want to travel and rent out your house to a long term tenant or even AirBnB. There are many options and benefits of home ownership.

With the way things are booming in Tucson, self-starters, smarty-pants and other hard workers could even pull in those fat, big city paychecks. Mix that with a low cost of living and you’re on track to build actual wealth.

Another cool thing about Tucson is we have one the best music scene’s in the country and a huge population of young people… around 30% which is the same as Austin, Seattle, San Francisco, Portland and other young people melting pots.

I’d love to talk to you more about this!

Download the PDF of CreativeLive’s article: What Are the Best Cities for Young Creatives

Why Forbes Ranked Tucson, AZ as One of the Best Places to Retire in 2025

jamesportis
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Why Forbes Ranked Tucson, AZ as One of the Best Places to Retire in 2025

Sun, scenery, and smart living — Tucson, Arizona has it all. Recognized by Forbes as one of the Best Places to Retire in 2025, Tucson stands out as a vibrant Southwestern city that offers retirees an ideal blend of affordability, cultural richness, and health-conscious living. With a population of approximately 550,000 and a location just 65 miles north of the Mexican border, Tucson is nestled in the heart of the Sonoran Desert. But it’s not just the landscape that’s warm — Tucson’s welcoming atmosphere, moderate cost of living, and active lifestyle make it a standout choice for your next chapter.

Whether you’re seeking sunshine, smart investment opportunities, or a community that celebrates both leisure and lifelong learning, Tucson delivers. Let’s explore exactly why Forbes and smart retirees across the country are turning their eyes to this unique desert gem.

Employment: Stability Without Stress

While employment may not be the top priority for every retiree, economic health still matters — especially when it comes to community vitality and opportunities for part-time work or volunteering. Tucson’s projected annual job growth of 1% reflects steady and manageable growth, contributing to a strong local economy without the overcrowding or inflationary pressure of booming job markets.

The unemployment rate sits at 4.8%, which is relatively low and signals a healthy, functioning workforce. Retirees who want to stay active professionally or philanthropically will find opportunities in Tucson’s expanding healthcare, education, and nonprofit sectors. And for those simply seeking peace of mind about their investment in a home or local business, Tucson’s economic metrics offer reassurance.

Tucson also hosts a 1.7% high-tech employment rate, showing the city’s growing innovation footprint. That means you’ll find a mix of young professionals and startups contributing to the community fabric, keeping Tucson feeling fresh and forward-thinking.

Housing: Affordability Meets Desert Beauty

In 2025, the median home price in Tucson is $329,000, a full 19% below the national median. That’s excellent news for retirees looking to stretch their nest egg further — and even better news for those seeking a lifestyle upgrade without the big-city price tag. With a housing affordability index of 151, Tucson proves that you don’t have to compromise comfort or quality when downsizing or relocating.

What does that index mean? It indicates that a household with median income has 51% more income than needed to afford a typical mortgage. In other words, homeownership is not only possible here — it’s genuinely attainable. Whether you’re looking for a low-maintenance townhouse, a historic adobe in the heart of downtown, or a spacious desert-view property, Tucson offers options that fit a wide range of preferences and budgets.

And with relatively moderate vulnerability to natural hazards, you can invest with confidence. No hurricanes, minimal flooding risk, and a stable geological setting make Tucson a smart place to plant roots.

Education: A Culture of Lifelong Learning

Tucson may be a retirement destination, but it’s also a hub for intellectual and cultural enrichment. As the proud home of the University of Arizona, the city is infused with academic energy and cultural offerings — from lecture series and public performances to museum exhibits and botanical research centers.

The region boasts a strong educational foundation, with 89.5% of residents holding a high school diploma, 33.6% holding college degrees, and 14% earning graduate degrees. That means you’ll be surrounded by a well-educated population — a plus for anyone seeking thoughtful conversation, informed community engagement, or high-quality services.

And for retirees interested in continuing education, Tucson’s proximity to academic institutions makes learning more accessible than ever. Many programs offer senior rates or even free auditing opportunities, so you can take that art history class or start learning Spanish without breaking the bank.

Quality of Life: Wellness, Nature, and Community

Quality of life is where Tucson truly shines. With 139 sunny days over 90°F and just 21 days below freezing, this city delivers warmth and comfort for those ready to leave behind long winters. And despite the desert heat, Tucson remains very bikeable and somewhat walkable, making it easier to stay active and connected.

Healthcare access is strong here, with a good ratio of primary care doctors per capita — essential for anyone prioritizing wellness in retirement. Add to that a retiree-friendly tax climate, including a flat state income tax of 2.5%, no taxation on Social Security, and no state estate or inheritance tax, and it’s easy to see why financial security is more achievable here than in many other parts of the country.

While Tucson does face challenges such as higher crime rates and poor air quality, the city counters with a resilient, engaged community and ongoing urban development efforts. With an average commute time of just 25 minutes, you can spend more time enjoying life and less time in traffic.

The cultural richness of Tucson also plays a significant role in its high livability. From authentic Mexican cuisine and historic missions to contemporary art galleries and music festivals, there’s always something to explore. Plus, with net migration numbers showing positive growth, it’s clear others are catching on to what makes Tucson so special.

Ready to Retire in Tucson? Let Tony Ray Baker Help

Tony Ray Baker, Tucson Realtor with Tierra Antigua Realty

Tucson’s charm isn’t just a headline — it’s a lifestyle. With its unbeatable mix of affordability, beauty, and wellness-minded infrastructure, it’s no wonder Forbes continues to highlight Tucson as a top choice for retirement in 2025.

If you’re considering making Tucson your forever home, Tony Ray Baker is here to help. With deep roots in the community and a passion for helping retirees find the perfect fit, Tony Ray is your go-to local Realtor for a stress-free, informed relocation experience.

✅ Need help finding a home in Tucson that fits your lifestyle and budget?
✅ Want to learn about Tucson’s neighborhoods, amenities, and real estate trends?
✅ Curious about how to navigate the Arizona housing market as a retiree?

You’re not alone. Tony Ray and his team specialize in helping people just like you transition smoothly into Tucson life. They’ll help you explore neighborhoods, answer your financial questions, and handle every detail — so you can focus on enjoying your next adventure.

👉 Visit our Relocation Page to learn more, request your free relocation guide, and connect with Tony Ray Baker directly.

Welcome to Tucson — we can’t wait to help you call it home.

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