Recent data reveals that Montana has emerged as one of the best places in the United States to retire in 2025. U.S. Census figures indicate that more than 20% of Montana’s population is 65 or older, while a nationwide report from Seniorly ranks Montana as the second best retirement destination, trailing only Washington, D.C.
This article examines the many reasons why Montana stands out for retirees. We will explore the top cities to live in, weigh the pros and cons, review how state taxes affect retirement income, and discuss expected healthcare systems and lifestyle offerings. Let’s get started.
Why Montana is a top retirement destination for seniors
Montana is known for its calm and scenic environment, yet its appeal goes far beyond picturesque views. The state excels in doctor availability, entertainment options, affordable cost of living, and a strong sense of community. Here are several compelling reasons that make Montana worth considering for retirement.
Peaceful outdoor living
Montana’s abundant natural beauty is one of its greatest draws. With vast national parks—such as the iconic Yellowstone National Park—, rugged mountains, and pristine rivers, the state caters perfectly to retirees who enjoy fishing, hiking, skiing, or simply taking quiet walks amidst nature. Cities such as Bozeman, Helena, and Missoula offer easy access to outdoor recreational activities.
Tight-knit communities
Small towns in Montana can be great for seniors seeking a warm and welcoming place to settle. Community life here is vibrant and inclusive, and residents often experience a strong sense of belonging. Frequent local events, bustling farmers’ markets, and lively cultural festivals serve to bring people together.
Active cultural scene
Montana offers a rich cultural landscape. Retirees can enjoy museum exhibits, music festivals, art shows, and performances by traveling theater groups like Montana Shakespeare in the Parks. There’s a wide variety of cultural opportunities available.
Health access
Compared to many other states, seniors in Montana benefit from a greater number of medical professionals per capita. Although it’s wise to assess healthcare options in individual towns and communities, overall access to quality medical care remains solid, especially in the highly rated urban retirement centers.
Still affordable
Montana continues to be cost-effective when compared with states like New Jersey or Massachusetts. While housing prices vary widely across the state, many areas offer rates below the national average. It’s important to note, however, that healthcare and insurance costs may be higher in certain regions and that income tax rates range from 4.7% to 5.9%.
Other states to consider and avoid
For those who are open to other destinations, states such as Wyoming, South Dakota, and Vermont also received high marks in the Seniorly ranking. These states frequently offer low or no income tax, reliable healthcare access, and low crime rates.
On the other hand, New Jersey ranks among the least desirable states for retirement, largely due to steep taxes, reduced Supplemental Security Income, and a shortage of affordable housing. Other states that ranked poorly include Alabama, Mississippi, and Kansas, mainly because of affordability challenges and limited healthcare access.
If you are retiring in 2025, Montana deserves a closer look. With its stunning scenery, engaging lifestyle, and dependable healthcare access, it presents a solid choice for seniors over 60 who want to slow down without sacrificing quality of life.
