by Robert Borges on July 10, 2025
Thinking of spending your golden years soaking up sunshine, sea breezes, and serenity? You're not alone. Florida remains the go-to destination for retirees, and with good reason. Whether you're drawn to the best retirement beach towns in Florida, want access to top-rated golf, or are curious about the best places to retire in Florida on the water, the Sunshine State has a town for every lifestyle.
What Makes a Florida Town Great for Retirement?
If you're wondering how to narrow down the best retirement towns in Florida, consider these key criteria:
- Access to the Beach or Waterfront
Florida's most sought-after retirement towns sit on or near the ocean, intracoastal waterways, or rivers. - Climate & Scenery
With year-round warmth, ocean breezes, and palm-lined streets, many Florida towns feel like a permanent vacation. - Health Care & Services
Top-rated hospitals and senior services are essential. Florida is well-equipped to care for its large retiree population. - Community Amenities
Think: clubhouses, fitness centers, walking trails, golf, pools, pickleball, and social activities. - Affordability & Housing Options
On top of being a tax-friendly state for retirees, many towns offer a range of communities where you can rent or buy in retirement including affordable condos, custom homes, and villas.
Sarasota, Florida
A Cultural Coastline for Active Adults
Consistently ranked among the best retirement towns in Florida, Sarasota combines the charm of a small coastal city with big-city arts, dining, and entertainment. Set along the Gulf of Mexico between Tampa and Naples, Sarasota’s white-sand beaches and turquoise waters are complemented by a vibrant downtown, performing arts venues, and botanical gardens.
Retirement communities in Sarasota range from luxury beachfront enclaves to gated neighborhoods with golf, tennis, and wellness amenities. With an average year-round temperature of 72°F and easy access to medical care and international airports, Sarasota is ideal for retirees seeking beauty, culture, and community.
Venice, Florida
One of Florida’s Happiest Seaside Towns
Just south of Sarasota lies Venice, a laid-back Gulf Coast gem recognized by Coastal Living as one of the “10 Happiest Seaside Towns.” Known for its charming Italian-inspired architecture, quaint downtown, and 14 miles of pristine beaches, Venice is a favorite among retirees looking for both coastal access and community spirit.
This town offers everything from affordable waterfront homes to luxury beach retirement communities in Florida. Residents enjoy swimming, boating, and beachcombing—as well as easy access to multiple golf courses and parks. With a median home price lower than many nearby cities, Venice communities provide an attractive mix of quality living and affordability.
Stuart, Florida
Treasure Coast Tranquility with Big Outdoor Appeal
Located on Florida’s Treasure Coast, Stuart offers a more relaxed, small-town vibe—without sacrificing lifestyle perks. Nicknamed the “Sailfish Capital of the World,” Stuart is a favorite among boaters, anglers, and nature lovers. Its historic downtown is lined with boutiques, cafés, and galleries, and the surrounding waters of the St. Lucie River and Indian River Lagoon are perfect for kayaking, birdwatching, and sunset cruises.
Retirees are drawn to oceanfront retirement communities here for their peaceful setting, walkable neighborhoods, and social clubs. Nearby preserves, wildlife sanctuaries, and beaches offer natural beauty at every turn. Retirement communities in Stuart put you in one of the most charming towns where you can easily decide on the perfect home depending on their financial goals.
Naples, Florida
Upscale Living in the Golf & Beach Capital of Florida
Long considered one of the most luxurious—and livable—coastal cities in the U.S., Naples is where upscale meets active. Known for its world-class dining, boutique shopping, and arts scene, Naples also delivers when it comes to retirement living.
It’s home to some of the best oceanfront retirement communities in Florida, with amenities ranging from private beach access and golf courses to wellness spas and yacht clubs. The city has one of the highest densities of golf holes per capita in the country, cementing its reputation among the best places to live for golf. Retirees here enjoy beautiful sunsets over the Gulf, vibrant community events, and a warm, friendly vibe that makes it feel like home from day one.
PCR features several master-planned retirement communities in Naples—each offering something unique for today’s discerning retirees.
Vero Beach, Florida
Old Florida Charm with Modern Convenience
Often called one of Florida’s best-kept secrets, Vero Beach is a tranquil Atlantic Coast town that offers a slower pace and high quality of life. Recognized nationally as one of the best small towns in America, it’s beloved for its unspoiled beaches, art museums, and genuine Southern hospitality.
Vero Beach retirement communities provide a mix of oceanfront living, golf, and nature—all without the high price tags of other coastal cities. Outdoor lovers can enjoy sea turtle nesting areas, kayaking in Indian River Lagoon, and walking trails through native landscapes. For retirees seeking beach retirement communities in Florida with a more intimate, hometown feel, Vero Beach checks all the boxes.
Discover the Best Florida Retirement Community for You
No matter which of these retirement towns in Florida speaks to you, PCR is here to help make your move seamless. For nearly 30 years, we’ve helped retirees and active adults find their perfect place to live. Featuring close to 100 of the top retirement communities in Florida, you can search by region, home price, amenities, and more—with the option to request info directly from community representatives.
Search by:
- Beachfront or golf access
- Price range and floorplan
- HOA fees and tax considerations
- Clubhouse and activity offerings
- Healthcare access and security features
Browse the best retirement communities in Florida and let the sun, sand, and serenity lead the way.
About the Author
With over 20 years of experience as a seasoned content creator, Robert Borges is the senior writer for Private Communities Registry (PCR), specializing in real estate trends and master-planned communities. He works closely with builders, developers, and real estate pros to create helpful content that guides homebuyers in finding the perfect community, ensuring they have the information needed to make confident, informed decisions.
