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Thinking about retiring to the Centennial State? You're in luck!
Living in Colorado is great for retirees due to its fantastic healthcare system, breathtaking scenery, and outdoor recreation. Some of the best places to retire in Colorado offer a range of lifestyle amenities and a close-knit community of seniors seeking a peaceful place to spend their golden years.
In a recent WalletHub study of the best states for retirees, Colorado ranked 3rd in the nation, the highest of any state in the West. FPPA retiree demographics also show that 80% of the native senior population continues living in Colorado after they stop working. So it's not hard to tell why there are so many fantastic retirement communities in Colorado.
Although there are many great options, finding the perfect community for you may be a challenge. This guide will help you find the best place to retire in Colorado for your individual needs and lifestyle.
Colorado is a great place to retire for many reasons. Aside from the many fantastic 55 and older communities in Colorado, it also offers senior-friendly tax policies for those on a fixed income, affordable healthcare costs, and an abundance of outdoor recreation. While Colorado does tax social security and pensions, there are numerous deductions and exemptions seniors can benefit from.
All seniors 65 and older are eligible to subtract the full amount of their federally taxable Social Security benefits from their Colorado taxable income, effectively exempting them from state taxes. Residents aged 55+ are also eligible to deduct Social Security income if their adjusted gross income is below a certain threshold ($75,000 for single filers, $95,000 for joint filers). Those who exceed the income limits may also deduct up to $20,000.
Income from pensions, annuities, 401(k)'s, IRAs, and other retirement savings is typically subject to Colorado's flat income tax. However, there are several age-based deductions available:
Ages 65+: May deduct up to $24,000 of pension and retirement income from taxable income.
Ages 55-64: May deduct up to $20,000 of pension and retirement income from taxable income.
The Colorado Department of Revenue also has a wealth of resources available on other tax initiatives, personal finance advice, and credits for seniors, including Property Tax, Rent and Heat Credit (PTC), and Pension and Annuity Subtraction for Income Tax Returns.
Along with its numerous tax benefits, Colorado also features a mild climate ranging from semi-arid to alpine conditions. Retirement living in Colorado is great for those who enjoy outdoor recreation, with plenty of hiking trails, golf courses, and ski resorts. According to a report from Colorado Parks and Wildlife, the state is home to 43 state parks, 350+ wildlife areas, and 11 national forests.
In a US News and World Report study, Colorado's healthcare system ranked 9th in the country for overall quality, a major selling point for many seniors. So it comes as no surprise that there is a growing number of 55-plus communities in Colorado. That being said, it's a large state with a diverse population, and not all retirement destinations and Colorado cities are created equal. So if you're getting ready to leave the workforce, here are some of the best places to retire in Colorado.
1. Colorado Springs | A Small Town Feel With Big City Amenities
Colorado Springs is often cited as one of the best places to retire in Colorado due to its stunning scenery, outdoor recreation, and relatively low cost of living. It offers a small town feel with access to urban amenities and averages over 300 days of sunshine per year.
There are many fantastic retirement communities in Colorado Springs. It's home to some of the top Colorado 55 communities, including Summit Glen Gracious Living, The Inn at Garden Plaza, and Revel Province. Its local culture is very rooted in outdoor recreation with iconic spots like Garden of the Gods, Pikes Peak, and Cheyenne.
With a median home value of $435,000, the cost of living in Colorado Springs is very reasonable, especially compared to larger urban areas like Denver. With its affordability, fantastic weather, and recreational activities, it's no wonder that Colorado Springs is considered one of the best places to retire in Colorado.
Population: 448,670
Share of population 65+: 15%
Crime rate: 4,043 crimes per 100,000 people
2. Fort Collins | A College Town With a Low Crime Rate
Fort Collins is also a city with a proud reputation as the best place to retire in Colorado. Located in the northern reaches of the state, Fort Collins is known for its historic Old Town District featuring homes from the 19th Century, a vintage trolley system, and an abundance of shops and restaurants.
Although it's often thought of as one of the state's college towns due to the presence of Colorado State University, it's known for being one of the best places to retire in Colorado, thanks to its plethora of healthcare options, low crime, and strong sense of community.
It has a very strong healthcare system, anchored by UCHealth Poudre Valley, a hospital that ranks among the best in Colorado and the country for specialties such as orthopedics. For all these reasons, Fort Collins is among the best places to retire in Colorado.
Population: 170,368
Share of population 65+: 14%
Crime rate: 2,927 crimes per 100,000 people
3. Littleton | A Peaceful Suburb Full of Outdoor Recreation
Littleton is another great place to retire in Colorado. Located just south of Denver, Littleton is a peaceful community known for its lush green spaces and peaceful atmosphere. It offers a mild climate that is pleasant year-round, particularly in winter, making it ideal for year-round outdoor activities.
Residents enjoy a suburban ambiance with easy access to nature at South Platte Park and Carson Nature Center, as well as urban amenities in Denver. The South Platte River offers ample opportunities for fishing, and the Waterton Canyon is a great place for hiking, biking, and fishing (at your own risk).
While it does suffer from some minor property crime, the violent crime rate is 50.3% lower than the rest of Colorado and 33.7% lower than the rest of the country. For those who want a laid-back community with low crime and abundant outdoor recreation, Littleton is one of the best places to retire in Colorado.
Population: 45,092
Share of population 65+: 19%
Crime rate: 3496 crimes per 100,000 people
4. Estes Park | A Quiet Village at the Foot of the Rocky Mountains
Another one of the best places to retire in Colorado is Estes Park. Situated in northern Colorado at the foot of Rocky Mountain National Park, Estes Park is a peaceful community between Boulder and Fort Collins.
It's a great community for those who like the outdoors, with Lake Estates, Estes Park Golf Course, and Rocky Mountain National Park, a 415-square-mile protected area with a massive network of trails, wildlife, and access to the Colorado River. It also features a strong healthcare system anchored by UCHealth Estes Valley Medical Center.
Not to mention, it's home to a few top-rated active adult communities in Colorado, such as Estes Park Village and Estes Park Senior Citizens Center. So if you want peaceful Colorado towns with natural beauty and a strong sense of community, Estes Park is a great choice.
Population: 5,879
Share of population 65+: 41%
Crime rate: 993 crimes per 100,000 people
5. Loveland | A Fantastic Community With a Mild Climate
Loveland, CO, is another fantastic community with a strong reputation as one of the best places to retire in Colorado. Located in the northern reaches of the Denver metro area just south of Fort Collins, Loveland is a thriving city known for its numerous public structures and thriving arts scene.
It's home to many of the best retirement communities in Colorado, including The Wexford, Sugar Valley Estates, and Affinity at Loveland. Residents enjoy a pleasant climate with over 300 days of sunshine throughout the year and four distinct seasons.
It's also a reasonably priced community with a median home price of $467,450. For older residents seeking a great balance of outdoor recreation and culture, Loveland is the best place to retire in Colorado.
6. Aurora | A Laidback Suburb With Great Restaurants
Aurora is another community that frequently tops the list of the best places to retire in Colorado. Located just west of Denver, Aurora is a laidback suburb known for its rich culinary scene and diverse economy. It's also known for its top-rated healthcare facilities, including UCHealth Colorado Hospital and The Medical Center of Aurora.
The City of Aurora offersspecific programs and amenities geared toward seniors, including reverse mortgage housing assistance and Silver Sneakers, an exercise program for Medicare-eligible adults. Some of the top 55 active retirement communities in Colorado are located in Aurora, including The Reserve at Green Valley Ranch and Bella Vita Senior Living.
The cost of living in Aurora is also fairly affordable, especially compared to Denver, and the median home price is $450,000. It's also located between Cherry Creek State Park and Rocky Mountain Arsenal National Park, offering ample opportunities for outdoor adventure. Those seeking an affordable suburb with strong access to healthcare will find that Aurora is one of the best places to retire in Colorado.
Population: 394,701
Share of population 65+: 13%
Crime rate: 5,307 crimes per 100,000 people
7. Greeley | A Bustling Community With a High Quality of Life
Located in Weld County, just east of Loveland, is the home-rule city of Greeley, another of the best places to retire in Colorado. According to a Census Data Report compiled by DollarHand.com, Greeley ranked8th among cities with the best quality of life. It features many programs meant to support the city's aging population and manages the Greeley Active Adult Center, a community center for active retirees offering a variety of activities, classes, and social events.
It also offers affordable housing relative to the rest of Colorado, with a median home price of $430,000. For outdoor recreation, residents have access to the Pawnee National Grassland and the Poudre River Trail. Some of the best 55 and over communities in Colorado are in Greeley, including The Lodge at Greeley and Greeley Place — Sky Active Living. So it's fairly easy to tell why Greeley is considered one of the best places to retire in Colorado.
Pueblo also ranks among the best places to retire in Colorado. Located just south of Colorado Springs on the Arkansas River, Pueblo is a city with a rich history and a diverse community. It's famous for its riverwalk, a 32-acre urban waterfront area featuring gondola boat rides and recurring festivals.
It has a sunny, dry climate with over 300 days of sunshine per year, making it a great place for outdoor recreation. In addition to the Arkansas River, it's home to Lake Pueblo State Park, a popular destination for hiking, biking, and boating. Bonaventure of Pueblo and Pueblo Regent — Sky Active Living both rank among the best retirement homes in Colorado.
It's also one of the more affordable cities, with a median home price of only $225,000. So if you want an affordable community with a great climate and plenty of opportunities for outdoor adventure, Pueblo is one of the best places to retire in Colorado.
Population: 111,081
Share of population 65+: 19%
Crime Rate: 8,010 crimes per 100,000 people
Best Places to Retire in Colorado FAQ
Is Colorado Tax Friendly for Retirees?
Yes, Colorado has many tax-friendly policies for retirees. All residents 65+ (and residents 55-64 who meet the income requirements) are eligible to deduct portions of their social security income from their state taxes. Colorado also has many other tax incentives and statewide programs designed to accommodate retirees.
What’s the Best Place to Retire In Colorado?
The best place to retire in Colorado is subjective and based largely on your individual needs and lifestyle. However, Fort Collins, Colorado Springs, and Littleton are all top contenders.
What’s the Most Affordable Place to Retire In Colorado?
There are many affordable places to live in Colorado on a fixed income. Pueblo is the most affordable on this list with a median home price of $225,000.
Map of Best Towns in Colorado to Retire
Move to One of the Best Places in Colorado to Retire
Now that you know all the best places to retire in Colorado, you’re ready to decide where you want to make your next home. When that happens, you can trust the award-winning Denver movers at Move 4 Less to make your moving experience easy and efficient. Call (702) 381-1200 for a free quote.
Moti Perez
As a cofounder and business owner of Move 4 Less, my passion is to deliver the highest quality of moving services in the industry. My varied background has thought me the value of seeking new challenges, working hard, keeping customers happy and focus on success.
In 2002, I got my first taste in the moving industry, working for Nationwide Moving&Storage. For a little over two years I worked in a number of frontline and management positions, learning the ins and outs of the moving industry.
The business is now one of the largest moving companies in the Las Vegas metropolitan area.
I also had some time in between to open, manage and sell few restaurants and retail business. I continue to invest in Realestate and any other interesting business opportunity.
