• US News & World Report released its list of the best places to retire in 2027.
• Affordability is one of the most important factors for retirees in choosing where to live.
• Texas has six cities in the top 15, but the top city is in the Midwest.

There are a lot of financial concerns surrounding retirement, and choosing where to live might be one of the biggest challenges.

Unless you've managed to stockpile a large sum of money for retirement, the everyday costs of living could factor into your decision to retire altogether.

US News & World Report analyzed over 850 cities based on quality of life, affordability, healthcare, retiree taxes, job market, and population and migration for retirees 55 and older to rank what cities work best for retirees.

Affordability was a key factor in this year's list, as the pathway to a comfortable retirement isn't smooth for everyone.

"It's no secret that affordability is top of mind for Americans this year, which is why US News updated its weighting criteria to better align with what retirees prioritize," US News & World Report assistant managing editor Megan Wood said. "The 2027 rankings reflect key metrics used to highlight the places that best suit retiree needs."

The six factors used when ranking each city came from a survey of Americans 45 and older to determine what mattered most to them when considering where to retire.

The cliché of retiring to Florida still holds true, as two Florida cities ranked in the top 15. But Texas has become an even hotter spot for retirees. While last year's list included three Texas cities, this year's list has six, with two in the top five.

Texas' overall affordability makes it a popular choice not only for retirees but for other generations as well.

"Retirees are seeking a place that gives them a sense of security and comfort as they live out their golden years," Wood said.

While cities in Florida and Texas account for more than half of the top 15, neither city holds the top spot. Below, the best cities to retire in for 2027.

15. San Angelo, TX

Housing costs 2025: $191,261

Value index: 9

Population 65+: 17%

14. Conroe, TX

Housing costs 2025: $323,622

Value index: 7.9

Population 65+: 15%

13. Pearland, TX

Housing costs 2025: $343,369

Value index: 8

Population 65+: 13%

12. Victoria, TX

Housing costs 2025: $200,767

Value index: 9.3

Population 65+: 17%

11. Bismarck, ND

Housing costs 2025: $290,274

Value index: 6

Population 65+: 21%

10. Palm Coast, FL

Housing costs 2025: $380,019

Value index: 7.5

Population 65+: 30%

9. Lynchburg, VA

Housing costs 2025: $222,789

Value index: 7.5

Population 65+: 15%

8. Paducah, KY

Housing costs 2025: $161,025

Value index: 9.2

Population 65+: 19%

7. Altoona, PA

Housing costs 2025: $115,035

Value index: 8.1

Population 65+: 19%

6. Rio Rancho, NM

Housing costs 2025: $311,135

Value index: 6.2

Population 65+: 19%

5. Spring, TX

Housing costs 2025: $249,404

Value index: 8.6

Population 65+: 12%

4. The Woodlands, TX

Housing costs 2025: $472,814

Value index: 6.6

Population 65+: 15%

3. Weirton, WV

Housing costs 2025: $124,681

Value index: 7.6

Population 65+: 26%

2. Homosassa Springs, FL

Housing costs 2025: $219,352

Value index: 8.8

Population 65+: 30%

1. Midland, MI

Housing costs 2025: $206,176

Value index: 8.7

Population 65+: 21%

• Hayley and Mo Molina built a house on Hayley's parents' 400-acre family ranch in Oklahoma.
• Now they live steps away from Hayley's parents, grandparents, and brother and sister-in-law.
• They both enjoy spending time with the family, and everyone has grown closer.

This as-told-to essay is based on a conversation with Hayley and Mo Molina, 30 and 49, a married couple who live on a 400-acre ranch in Claremore, Oklahoma. Hayley's parents bought the ranch in 2021, and now four generations of family live there. The following has been edited for length and clarity.

Hayley: I was born in Bluffton, Indiana. Then my family moved to Oklahoma when I was three.

We always lived in town, and my family knew nothing about ranching. They were golfers; I didn't listen to country music until I was in high school — we were city people. But then my parents sold their house and were looking for something new, something different.

They were actually looking for something smaller and with not as much land to take care of, but we started talking about a family compound, found Hook Ranch, and just jumped in headfirst.

When my parents first found the property, it was about 170 acres, give or take, and they just kept buying more land and growing it bigger and bigger until it landed on what it is now.

When my parents were talking about doing this, the future goal was for me to be out here. For me, it wasn't the goal right away. I wanted that in the future, but I didn't know what the future looked like for me.

My grandparents ended up moving out here and living in the barn, where they live now, because I wasn't planning on moving out there or building anytime soon.

They were like, "OK, well we'll just take your spot then."

Then Mo and I met, and honestly, I don't even know if we ever had the conversation about living out here.

Mo: We really didn't bring it up early on. And when we first thought about it, I was like, "There's no way I'm living out there with all them family. There's no way." Not because I didn't like them; it just wasn't in the plan.

But then, as I got to know them, loved them, and we hung out with them almost every weekend, we were like, "Wait a minute, we love it out here."

I proposed out here, and after that, it took off from there. And then it was normal.

It's not weird to be living this close to my family

Hayley: On the property, there's us, my parents, my mom's parents, and then my brother and sister-in-law and their two daughters.

My family's always been so close. We're the type of people who always hung out on the weekends. We always went to my parents' house Friday night. It was so normal to be so close and always together.

Mo: For me, it was just my mom and me growing up, and we lived in the city, but I'm a country boy. I knew I always wanted to be out in the country. But it looked like I was going to be in the city the whole time. But with Hayley being close to her family, it all came together.

Hayley: We actually moved in with my parents first. We sold my house in March 2025, and then moved in with my parents.

Mo: We lived there while we were building our house.

Hayley: We got married in September, moved in with my parents in March, and lived there for seven months. We moved into our house in October of 2025.

Our house is only about 100 yards away from the barn, which is where my parents and grandparents live.

My brother and sister-in-law are about 200 yards away from the barn — it's like a seven-minute walk. It's literally a one-minute walk from my house to my parents' house.

Mo: I didn't know if there were going to be any benefits to living that close or not, especially when my father-in-law built a trail that goes right from the barn to our house.

It's kind of cliché, but if we don't have any eggs, we can literally walk down there.

Hayley: But honestly, we have so much privacy. You wouldn't think that, but I can't even see my parents' house or my brother's house from my house.

We can be in the backyard, the front yard, and I have no idea what's going on at their houses ever.

We can go weeks without seeing anybody. There's a lot of privacy out here because everybody respects each other's privacy.

Mo: It is weird knowing that we're this close and then a couple weeks go by, and I'm like, "Man, I haven't seen anybody," or "We haven't gone down there," and they're 100 steps away.

We've built closer relationships by living on the same property

Mo: When we first started dating, she was always hanging out with her parents almost every weekend, and I was living my single life, and I was hanging out with my buddies, and we would go out almost every weekend.

Hayley: Friday nights, we know what my parents are doing, because they do the same thing pretty much every Friday night.

So if we don't have anything to do, we are just going to go join them. Sometimes I just want to hang out with people, but I don't want to have to drive anywhere, and I don't want to have to get ready. So we'll have a game night at the barn with the whole family: my grandparents, us, my parents, and my brother and his family.

Mo: Hayley used to come and hang out with my friends, and then it didn't take very long before I went over to her family's place and hung out with them. I was like, "Man, this is kind of cool." They're awesome to hang out with.

At first, I was like, "I'm not hanging out with your parents. This is not a cool Friday night." In less than a month, I would say we were literally hanging out every weekend with her parents.

Hayley: I think we all have gotten so much closer. I have learned so much about my grandparents and gotten closer with my grandma.

My grandma comes over to our house every Monday morning and washes our sheets for us. While the sheets are washing and drying, she cleans the floors for me, and while she's doing that, she and I chat.

That's been really nice because I get to connect with her whenever. Before, I couldn't really do that because we only saw them every once in a while. Now I can do that every week. And she goes to my brother's house and does their laundry on Tuesdays.

Mo: Getting to know her family more and seeing how they do things and what they like and what their everyday looks like has been a benefit.

Her family works so hard. Her mom is the hardest worker on the ranch, and I would've never known that when I met her.

Her parents run a business, and her dad is constantly not in the house — except to watch college football.

I've learned so much from him.

I think getting to know that part of her family was huge for me. That's what's different. If we lived where we lived before, I probably would've never learned, or wanted to learn, that. So that was big for me.

• Hilary Tang and her college friends bought an akiya in Hiroshima, Japan, for a little over $11,000.
• The group of friends spent months living at the property while renovating it.
• They plan to use it mostly for gatherings but are open to renting it out to cover yearly costs.

This as-told-to essay is based on a conversation with Hilary Tang, 23, a recent college graduate from Hong Kong who purchased a home in Hiroshima, Japan, with her college friends. The following has been edited for length and clarity.

I graduated from Minerva University in San Francisco last May.

I was planning to work at a startup in San Francisco, but I decided that I wanted to take a gap year. At Minerva, our cohort is pretty diverse, and I have quite a few friends from Japan. One of my friends had this concept: "There are these akiyas, but no one actually buys them."

I actually never saw any of those videos about akiyas before, but I did know about the 1 euro house in Italy thing. I didn't know there was a similar concept in Japan.

My friend was initially planning to buy a house with his high school friends, but they backed out very early on. After they backed out, he asked if we were interested in buying a house.

That was in June. We bought the house in late July, and then we got the keys on August 6.

At first, we were trying to recruit people, but no one really wanted to. We even tried to recruit outside our school. I tried asking people from Hong Kong, but no one wanted to go somewhere random and buy a house in Japan because there's quite a lot of risk.

From the initial six people who bought the house, five people are from my university.

Then two other people joined, because my friend's friends also came over after we started the renovation. They're from Japan and really liked the house, so they decided to chip in as well. So currently, we have eight people.

We always wanted to have eight people in the house — it's just easier if we have a bigger budget.

We wanted to buy and renovate the house for less than $20,000

After we assembled the people who decided to buy the house, we had an initial meeting to understand each person's motivations and expectations, because that would determine what kind of house we buy and how we want to treat it.

When we were talking about things we would want in the location, something that was common was that, firstly, we all preferred being in nature or easily accessible to nature. Within the group, most of them are Japanese and already live in Tokyo, Osaka, or another big city, so for them, they wanted to have a second house in a more rural area.

Secondly, we wanted somewhere that is easily accessible, even internationally. Another friend is planning to work in the US, and there's also a Korean member, so it's better if there's more motivation, or it's easier for us to actually go there if there's an international airport nearby.

And thirdly, we wanted somewhere with better weather and with lower earthquake and tsunami risk.

We ended up finding a house in Hiroshima.

The house itself was 1.8 million yen (or $11,371), but the price was negotiated because the house was initially listed on the website at 3 million yen.

We also had to pay the agent fee and other fees, so we spent about 2.3 million yen in total.

The house is around 315 square meters (or 3,390 square feet), and almost 500 square meters of land.

We have nine Japanese-style rooms, which are rooms with tatami flooring, and two Western-style rooms, which are rooms without tatami flooring.

Initially, we wanted to do the whole renovation within $4,000, but since we have more people chipping in, our budget expanded. We still haven't used up our original $20,000 budget. Just for the renovation, we've used around $1,262, as of start of October.

We hang out there once a month, but we're also thinking about renting it out

We've been staying in the house the entire time we've renovated it, and luckily the house was in better condition than we expected.

The timeline was so tight that we couldn't actually go there to see the house before we bought it. But the agent did a video tour, and we looked around, and it was quite nice.

We also talked to our neighbors, because the person who lived in the house passed away about five years ago, and then afterward it was left vacant. But before he passed away, the neighbors said how the previous owner was really diligent with cleaning stuff; that they always saw him cleaning, even toward the end of his life.

When we got there, we realized it was actually a lot more well-maintained than we thought, so we didn't have to do a very big renovation. At first, we thought we'd have to change all the tatami, or rebuild certain parts, or put down certain parts. But it turns out there hasn't been a super big expense that would require us to rebuild the entire thing.

We did paint and also repaired some curtains and lights because they weren't working. We added a fire alarm and air conditioning because they only had one or two aircons, and it gets really hot in Hiroshima during the summer and really cold in the winter. Those wooden houses don't insulate very well.

When we first got there in August, there were five of us. Then maybe for the first three days, there was always someone new coming, because there are a lot of friends who wanted to come here. So there are always visitors, and they also helped out because there's a lot going on — we even had friends' parents come over as well.

That's been my favorite part.

You see sides of people that you don't know. Everyone has some sort of expertise to bring. For example, some people are really good at painting. Our friend helped us paint the bathroom wall — he wanted to paint a Fuji mountain, but none of us really knew how to paint. So I'm really glad he came and helped us paint.

There's a girl who went to a lot of auctions growing up, so she specialized in artwork and helped us go through the things the previous owner left behind.

It would be nice to do Airbnb and learn about the process and to experience what it's like to manage an Airbnb. Maybe with the house on Airbnb we can cover at least the running costs every year.

Still, we want to prioritize us hanging out.

Every month we try to gather there, and so far we've been going consistently once a month.

We wanted to create a place we could always come back to whenever life gets a little overwhelming, where any of us could take a break, have some space to ourselves, and take time to process whatever was going on in life.

We see this house not as an investment, but as a shared place among us.