12 Best U.S. Cities for Retirement: 2022

Related: 17 Best States for Retirement: 2022

A majority of Americans are less than fully confident that they will have enough money to retire comfortably, according to recent research from the Employee Benefit Research Institute. This helps explain why workers' planned retirement age has risen from 60 in 1995 to an average age of 64 in 2021, as many find it necessary to stay on the job. An alternative to working longer than planned is to relocate to a city where a dollar goes further without sacrificing lifestyle, WalletHub says in a report released Tuesday. Researchers at the personal finance website looked at affordability as well as other factors important to retirees in 182 U.S. cities — including the 150 most-populated and at least two of the most-populated in each state — to find the most retirement-friendly cities across the country. They evaluated affordability, activities, quality of life and health care, using 46 metrics and grading each one on a 100-point scale, with 100 representing the most-favorable conditions for retirement. They then determined each city's weighted average across all metrics to calculate its overall score. See the gallery for the 12 best cities for retirement, according to WalletHub.