• No state revenue tax in Florida means extra cash for retirees to get pleasure from paradise within the Keys.
  • The nice and cozy tropical local weather year-round affords ultimate climate for outside actions for seniors.
  • An in depth-knit neighborhood in Monroe County gives a low-stress, satisfying retirement way of life.



Florida is well-known for its massive variety of retirees, who, when contemplating spending their golden years within the state, even have a variety of selections, each by way of gorgeous areas to name residence and affordability; heck, some locations in Florida may even price retirees lower than $2,000 a month to dwell in, which is usually exceptional for a preferred seaside vacation spot. Nevertheless, whereas Florida has a variety of locales which are nice for retirement, few of them can come near the attract that The Keys supply.

There are various good causes to retire within the Florida Keys; the quite a few scenic islands within the Florida Keys for retirement supply calm serenity and a slice of life that is laid again but nonetheless linked to the fashionable world. The Keys additionally supply actually gorgeous seashores and a few of the finest climate within the US, giving retirees glorious choices for issues to do. To not point out, there are many similar-aged, like-minded individuals to fulfill and make mates with, given that there is already a longtime neighborhood of retired seniors on this a part of the state.

For these contemplating shifting to this heat, sunny, and exquisite space of the Sunshine State for his or her senior years, listed below are a number of compelling solutions to the query “Why retire in the Florida Keys?”.


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8 No State Revenue Tax

Florida’s state revenue tax is 0%

One of many largest attracts for retirees to the Keys is that Florida doesn’t have a state revenue tax. This implies retirees can preserve extra of their revenue from sources like Social Safety advantages, pensions, and retirement account withdrawals.

With no state revenue tax, retirees can probably stretch their financial savings additional within the Florida Keys in comparison with states that do tax revenue, based on assets like SmartAsset’s state tax information. Which means much more left over to get pleasure from and supply the grandkids!

Florida’s Revenue Tax In contrast To Different States

7 The Heat Local weather

All year long, temperatures within the Florida Keys by no means get bitterly chilly

Retirees searching for retirement within the Florida Keys can stay up for a really heat local weather. The Florida Keys boast a heat, subtropical local weather year-round that’s interesting to seniors.

With common highs round 80°F and lows hardly ever dipping under 60°F, the gentle climate permits for ample outside actions. Florida’s temperatures are perfect for these searching for to flee harsh winters elsewhere. The nice and cozy local weather gives the proper setting for an lively retirement way of life.

Florida’s Common Temperatures In contrast To Different Heat-Climate States

The winter months from December by means of March supply extra snug temperatures, with day by day highs sometimes within the 70s and low humidity ranges. Nevertheless, chilly fronts can often carry transient intervals of cooler climate. Guests ought to pack a light-weight jacket or sweater for these cooler evenings.

6 A Low-Stress Existence

The Keys are one of many lowest-stress areas in Florida; plus, the state is among the many happiest and least careworn

For these searching for a laidback, worry-free retirement, the Florida Keys supply a low-stress existence. The islands have a famously relaxed vibe that embodies the “no shoes, no shirt, no problem” perspective. That is on prime of the truth that Florida is certainly one of the least careworn US states; plus, Florida can also be amongst the happiest states in America, scoring a happiness score of 59.31 in a research by Pockets Hub.

General, The Keys present an escape from the hustle and bustle of mainland Florida. Retirees can spend their days boating, fishing, or just having fun with a superb e-book on the seaside and not using a care on the earth.

Florida’s High quality Of Life In contrast To Different Sunny States

Florida’s High quality of Life

Texas High quality of Life

Hawaii High quality of Life





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Monroe County has lower than 100,000 residents

Retirees who wish to retire within the Florida Keys can simply forge friendships as a result of the communities are close-knit. With a complete inhabitants of simply over 82,044 residents as of 2024, the Keys present a small-town really feel. But, there’s nonetheless a vibrant social scene for an lively retirement way of life.

From neighborhood occasions to neighborhoods with shared facilities, Monroe County cultivates a powerful sense of neighborhood that many retirees discover interesting. Plus, there are a number of reasonably priced small cities to retire to in Florida that span throughout the state, the Keys included,s o even retirees on a price range can discover their place locally.

Florida’s Monroe County Inhabitants In contrast To Different Florida Counties


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4 Cheap Property Taxes

Regardless of excessive taxes in different places, Monroe County has comparatively reasonably priced property taxes for possession

Whereas housing prices within the Florida Keys may be excessive, retirees could also be drawn by Monroe County’s comparatively reasonably priced property taxes. The county’s median actual property tax cost was simply $2,763 in 2023. This ranks effectively under the nationwide median.

For retirees seeking to personal a bit of paradise, the manageable property taxes in Monroe County may assist offset greater residence costs and value of residing bills within the Keys.

Monroe County Property Taxes In contrast To Different Counties

3 The Price Of Residing Is The US Nationwide Common

No worries about issues being too costly within the Keys!

Whereas sure bills like housing may be excessive within the Florida Keys, Florida’s total price of residing is correct on the nationwide median. In line with knowledge from the Missouri Financial Analysis and Data Heart, Florida’s price of residing index was 100.6 as of 2022, basically equal to the U.S. common of 100.

This balanced price of residing could assist retirees’ revenue stretch additional in comparison with higher-cost areas. For these on a set retirement price range, Florida gives a comparatively reasonably priced choice. Even a few of the costliest cities in Florida to retire in have a comparatively common price of residing in comparison with, say, residing prices within the costliest cities in California for retirement, that are sky-high compared.

Florida’s Price Of Residing Index In contrast To Different States

Florida Price of Residing

Hawaii Price of Residing

Massachusetts Price of Residing





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2 Tons Of Alternatives To Prepay Healthcare

The Keys are residence to many persevering with care retirement communities

Sign on the back of an emergency service ambulance for the Keys Car Doctor on a road in the Florida Keys, FL, Key West, USA

Signal on the again of an emergency service ambulance for the Keys Automobile Physician on a highway within the Florida Keys, FL, Key West, USA

For retirees, with the ability to prepay healthcare bills gives helpful monetary flexibility and safety. In Florida, Medicare Benefit plans like HMOs and PPOs supply this pay as you go profit. As famous by AARP, these plans enable Florida seniors to pay upfront for providers by means of a longtime supplier community.

With healthcare prices coated forward of time, retirees can higher price range their revenue and eradicate sudden medical payments when residing within the Florida Keys. This prepayment choice is among the many many glorious causes to retire in Florida total, not simply within the Keys.

Common Florida Medicare Prices Per Month In contrast To Different States

Common Month-to-month Medicare Price in Florida


Common Month-to-month Medicare Price in Hawaii


Common Month-to-month Medicare Price in Texas


The Florida solar may be brutally intense, so individuals ought to diligently use sunscreen, restrict solar publicity throughout peak hours, and keep hydrated to stop warmth sickness. Dehydration, sunburn, and warmth stroke are frequent causes vacationers and residents search medical care.

1 Extra Than 250 Days Of Sunshine A 12 months

There’s hardly ever a grey day within the Florida Keys

One of many largest attracts of the Florida Keys for retirees is the superb quantity of sunshine the islands get yearly. Key West, one of many bucket listing Florida Keys to go to if not retire to, averages 259 sunny days per yr, with the remainder of the Keys having fun with the same sunny local weather. All that sunshine permits retirees to spend loads of time outside absorbing the nice and cozy rays.

From boating to beachgoing to outside eating, the Florida Keys’ abundance of solar creates an idyllic retirement setting. The Florida Keys is without doubt one of the retirement locations with nice year-round climate, making it an apparent alternative for retirees.


Days of Solar

Key West




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