Florida gets a lot of attention from retirees, and for good reason—sunshine, beaches, and no state income tax. But if safety, affordability, and year-round sunshine are at the top of your list, there’s another option worth considering. It’s not on the beach, and it’s not packed with tourists, but it might be an ideal destination for you.

We’re talking about Surprise, Arizona. This city stands out in 2025 as one of the safest in the country, with low crime rates, strong community programs, and a quality of life that rivals more well-known retirement spots. Here, we’ll break down why Surprise is such a smart pick, especially for those looking to avoid crowds without sacrificing comfort. We’ll also list a few other U.S. cities that are safe and retirement-friendly.

Why Surprise, Arizona, deserves a second look for retirees

Surprise sits just northwest of Phoenix and combines suburban calm with access to big-city amenities. According to AreaVibes, the city’s overall crime rate is over 30% lower than the national average. It also has active community safety programs, which help keep neighborhoods secure and connected.

Beyond safety, Surprise gets more than 300 sunny days a year. Winters are mild, and even during the summer, there are plenty of shaded parks, indoor activities, and pools to help manage the heat. The city is also close to regional parks and preserves, giving you access to scenic hiking, walking trails, and open-air recreation without leaving town.

The cost of living in Surprise is reasonable compared to coastal states. Housing is about 4% lower than the national average, and property taxes are among the lowest in the country. That makes it easier for retirees to stretch their budget without sacrificing comfort or safety.

If you’re into golf, tennis, or baseball, you’ll find no shortage of things to do. And with Phoenix only 30 miles away, it’s easy to enjoy concerts, dining, and pro sports without giving up the quieter pace of suburban life.

Healthcare access is solid, too. Surprise has several well-rated hospitals and clinics, including Banner Health Center and a VA clinic for veterans. Local services, shopping, and entertainment are all nearby, so you won’t need to drive far for essentials or weekend fun.

Other safe cities for retirees in the U.S.

While Surprise offers a great balance of safety, cost, and lifestyle, there are other U.S. cities that also rank high for retiree-friendly living in 2025. If you’re exploring your options, these spots are worth a look:

Nashua, New Hampshire: It offers a low violent crime rate, a walkable downtown, and access to nature without big-city stress.
Columbia, Maryland: Known for strong planning, good healthcare, and low property crime.
Ridgefield, Connecticut: Small-town charm, scenic landscapes, and one of the lowest theft rates in the state.
Eden Prairie, Minnesota: Great public services, low crime, and lots of lakes and trails for outdoor lovers.

Each of these cities offers something unique, whether it’s affordability, scenery, or strong community services, but all share a commitment to safety and livability. If you’re retiring soon and Florida feels too crowded or pricey, Surprise, Arizona, might be a great alternative.