Where to retire early

It's great you have choices, and your list has places that have appeal, for different reasons. Respectfully suggest you give some thought to what is really important.

I lived half my life in the Inter-mountain west, traveled extensively, and spent the last 25 years in FL, both down the peninsula as well as the panhandle. Not sure there are places more different in climate and culture than the ones you have mentioned.

There is water everywhere in Tampa, humidity is high, it is flat as a pancake and the nearest "hills" are 100 miles north, inland, and consequently even more uncomfortable in the summer. It's also a lightning capital with spectacular thunderstorms in the summer. It was the first place in FL I had my sunglasses fog up upon exiting a hotel in the summer. Yeah, it's "moist" :ROFLMAO:

Austin is in the middle of the continent with weather dependent upon what blows across from the Pacific or comes up from the Gulf. Nashville mostly gets whatever is cooked up inland.

Based on my experience in those places, here's how I see your list to give you a few ideas as you evaluate. Your priorities will be different:

-Bay area - Would if I could. Traffic, congestion, CA tax and governance all manageable with enough $$. If I'd stayed in SoCal 25 years ago, would probably still be there. Yeah, SoCal is different, but once you're in, you're in. And if you leave, you can't afford to go back.
-UT - only if outdoor rec was the top priority
-Nashville - too cold for me. Immersion in the music scene would only last a few years for me. Good people, helps to be a college football fan.
-Austin - Could make it work. Weather OK, plenty to do locally and good proximity to other things in TX that I like,
-Tampa - Like it, would have been a good choice when I was working and had kids. Plenty to do, good govt in that area, climate is good for me. Plenty of water for boating, kayaking, paddleboards. At 60+ and kids gone, don't see any reason to move there now and deal with the traffic and crowds everywhere. Although the refrigerated bar countertops at Ford's Garage have a lot of appeal:)

Good luck, hope this helps. It's wonderful to have choices!
Really appreciate this thorough piece. Very helpful. I've been to all these places and nowhere is traffic as bad as Silicon Valley. We have bumper to bumper on freeway when the sun is up 7 days a week. Quality of life is top priority for me and that depends on cost of living, traffic, weather, nature, health, culture, people, culture, crime and government. Is the state government doing their job or sucking citizens dry without giving providing proper services. Weather is perfect in Silicon valley except the apocalyptic fires every other year which really ruins quality of air. Government sucks us dry and gives nothing back with the worst roads and services. People don't know how to drive here either so I guess Silicon Valley is not great in terms of quality of life for me. Cost is bad.

So narrowing down to UT, Cedar Park-Austin, Tampa and Nashville. Don't see a big difference in quality of life overall between these based on the feedback so far. The thing I don't know yet is how are the people in these places. Friendly, respectful and cultured people with independent thinking are important to me. I spent alot of time in Austin and Tampa and have to say that Tampa was the most friendly and Austin is not bad. Utah pretty friendly and Nashville seems nice and smart but not spent enough time in UT or Nashville to really say.
 
Austin has a few hills, but nothing I would remotely call a mountain. I love the landscape and scenery in Utah.
 
There is a Hill Country west of Austin. It looks pretty nice, with river and multiple lakes along it. But you'd need to be far from Austin metro area to experience more reasonable RE cost. Within the metro area itself, it is pretty much like SIlicon Valley with poor weather in summer.
 
Mount Bonnel https://austin.culturemap.com/news/...ell-is-a-steep-climb-through-austins-history/ is pretty nice in Austin but there are some nice mountains further out with waterfalls.

I'm also looking at Tampa Metro and Nashville. Both half cost of living compared to Silicon Valley. Nashville is another music capital of US and has lots of mountains, lakes and rivers and moderate climate. May get slightly cold in winter.

Tampa, nice beaches and perfect weather in winter with low crime rates in suburbs. Summer does not get as hot as Texas or Utah due to rain and clouds. No hurricane for 100 years. Knock on wood.
I live in Tampa and love it. However hard to imagine based on the heat index, that it is not as hot as Utah or Texas. Using 85 degrees as the guideline, there are 7 months of summer and 4 of those months have a heat index every day over 100. The rain does not usually cool down the temps.
 
We live in NE Fla and also love it. We checked many places before choosing here. Life is too short to live some place average just because of the cost. We find the cost reasonable here considering it is a MCOL and higher area. Taxes are good, Heathcare is phenomenal, Beaches are great. One does need to choose your county of residence wisely in Florida (No Different than any other state) and steer clear of central Florida. What more can one ask? It does get warm in the summer, but nowhere near as bad as SW Florida, LA, South Texas, Alabama etc. and we would not want to live in a "Poor" state no matter the cost. The weather is getting unpredictable anywhere as are insurance rates, but what is one's quality of life worth?

This is the general area we are in: https://www.zillow.com/homes/32080_rb/
 
Isn't Tampa facing significantly higher and higher insurance costs and HOA fees due to the impact of global warming? It's concerning how these factors are affecting the area. One has to factor those rising costs in when considering living there.
 
Isn't Tampa facing significantly higher and higher insurance costs and HOA fees due to the impact of global warming? It's concerning how these factors are affecting the area. One has to factor those rising costs in when considering living there.
No real difference than a lot of other places that are desirable to reside in, and remember healthcare, it is at the top of our list when relocating. Tampa HC access and quality is outstanding.
 
Hmm it seems to be pretty low on this list. Maybe Tampa is different from the rest of FL. Hawaii looks great. Pleasant weather and cheap superb healthcare.

Check out St. Johns County, one of the healthiest if not the healthiest counties in Florida. Central Florida is a different Story. In Hawaii anywhere other than Oahu has limited real serious HC access. Other Island have to fly to Oahu for a lot of procedures.
 
One of our more important things is access to a good variety of flight destinations. If you travel a lot, do you want to get a bunch of connecting flights...

Regarding Nashville, love the rolling hills all around and the Appalachians are not far either. Lakes are clean and clear mostly. I'd consider this for sure. Largest airport is Atlanta for international flights.

Tampa is where SIL lives. She likes it for 10+ years now. It is humid all the time, so that's a negative. Pools are nice to have for most of the year. Lots of air options out of Orlando. I'd steer clear of any beachfront with HOAs and insurance skyrocketing. This would be a 3rd choice for us, personally after UT & Nashville.
 
Tampa is where SIL lives. She likes it for 10+ years now. It is humid all the time, so that's a negative. Pools are nice to have for most of the year. Lots of air options out of Orlando. I'd steer clear of any beachfront with HOAs and insurance skyrocketing. This would be a 3rd choice for us, personally after UT & Nashville.
Only Condos, but no one in their right mind would buy a coastal condo over 3 stories in Florida now. Townhouses and SFHs are fine. Yes, insurance rates are rising but they always do, and that is not limited to Florida. I would rather pay $3k in insurance costs in Florida than $15k RE Taxes in Texas.
 
From that list of OP (given that OP rules out CA) I would pick Nashville as well.

But if I could afford CA, something like Sausalito CA would be my choice.
 
Only Condos, but no one in their right mind would buy a coastal condo over 3 stories in Florida now. Townhouses and SFHs are fine. Yes, insurance rates are rising but they always do, and that is not limited to Florida. I would rather pay $3k in insurance costs in Florida than $15k RE Taxes in Texas.
True. We're stuck in TX with the grands @ 2&8 for a while (they live on the street over too).

Thankfully we are simple folk with a $450-500k house paying $7k tax & $1.1k for insurance (wifey is in insurance and knows the tricks). Our neighbors are in the newly built homes and are taxed @ ~$25k ouch!

Still would rather be in FL vs TX if not for the circumstances.
 
One more point to note, dry heat feels better than somewhere else that is10 degrees cooler but with high humidity.
 
From that list of OP (given that OP rules out CA) I would pick Nashville as well.

But if I could afford CA, something like Sausalito CA would be my choice.

Why Nashville?
 
One more point to note, dry heat feels better than somewhere else that is10 degrees cooler but with high humidity.
This is so true anywhere more than 5-7 miles from the Atlantic Ocean in Florida, which is why we chose the North East Coast, every day we can guarantee a nice cooling ocean breeze. Not perfect, but no place really is. We would prefer a nice environment to live in vs one lesser with perfect weather. Just my opinion, I could be wrong.
 
Definitely on the property tax. Forgot to mention different tax situations. Most of TX is ~2-2.25 of property value (minus homestead exemption) and (for us) can go up 10% annually if the assessment goes that way (like the past few years). So this depends on the level of cost of your primary residence cost. If you are interested in working here, the 0% income tax by far benefits you more.

Not having income makes you look more at the things you will be taxed on, property and sales tax come to the front of the line. Also what is considered income (pension, 401k withdrawal, dividend and interest come to mind)
True. Even being a Texan and loving the state, the property taxes and weather events can be a lot. Not so much the heat, I am ok with that. I'm talking tornadoes, hailstorms and to a leaser extent hurricanes. And the power grid is not resilient and that is a new issue.

Texans mostly take this stuff in stride, to their credit. But it would make me cautious moving back.
 
Filling in a bit about UT for you - Salt Lake offers diversity (OP mentioned this). Suburbs like Bountiful, Kaysville with gorgeous mtn. views, moderate property taxes, many amenities, low crime (3/2 homes $550k+ prop tax $3800). Numerous world class resorts within 20-40 minutes - you're literally up the mountain in well under an hour. IKON pass. Check homes in Emigration Canyon too. Daybreak and East Jordan are also short commutes to SLC and worth looking at. Healthcare in Salt lake is better than St. George, Salt Lake hospitals are higher rated (CMS) and have University of UT med school and hospital system. I'd live in a few counties for 30+ days, get a taste. We spend about 40 days/year in UT. Park City, Salt Lake. The mountain passes are kept pretty clear during winter, you can usually get from Park City to Salt Lake City quickly. Spring/summer hikes are amazing - amazing. Enjoy.
 
Hmm it seems to be pretty low on this list. Maybe Tampa is different from the rest of FL. Hawaii looks great. Pleasant weather and cheap superb healthcare.

That is because it is a statewide rating. Florida has a lot of very rural cheaper places to live along with lower quality healthcare.
The doctor choices are numerous where I live in Tampa with wide plan acceptance. Top notch rated separate hospitals for heart care and cancer care.
 
It sounds like you have some fantastic options to consider for your early retirement. Given your interests and values, here's my advice:

Stay in a place you love, with great weather and open-minded people. Silicon Valley offers the lifestyle and environment you enjoy, even if it comes at a higher cost. If you're comfortable with the expenses and value the vibrant cultural scene, diverse community, and mild climate, staying in or very close to Silicon Valley could be the best choice for your retirement.

Ultimately, prioritize what makes you happiest and where you feel most at home.
 
Austin is quite busy with people, imo. Not to mention the humidity. We're in DFW and would not be if not for DD & kids. This one is my second choice.

I would think Utah to be pretty conservative with less people & dry air. Natural beauty is a given & just a road trip to anywhere in the west. I'd pick this one if not for family to consider.

I love Cali but the taxes & COL are crazy now. Short drive to the Sierras, Yosemite, wine regions and coastal places are a positive, but an extra $6k monthly can fund lots of travel too. This would be the last on my list, personally.
 
Live in Bay Area myself Cali still has a lot of upside and it’s real nice being able to go places that are within hours but very different ( beach, wineries, MOUNTAINS etc). But the downside is stuff like the crime is getting worst, the political mindset seems to do more harm than helping ( prop 47). Its costs an arm and a leg to hire any service ( insurance, over regulation). Fires, flooding, those dang fault lines. I want to check out Utah and Colorado too but mindsets will be different than Bay Area. My wife values diversity more than me but I do like being around people who are different than me. I don’t want to be around a homogeneous group of people either but that may not be the case as much any more. We will do multiple vacations to both areas and rent before we buy (with rentals, my biggest concern is making sure our dog can live with us too). We have 77 months to figure it out ( but who is counting)
 
I visited Scottsdale (near Phoenix) last year and the weather in October was perfect for sightseeing outdoors. The scenery in Sedona is beautiful, but the housing prices are higher.
Scottsdale and AZ are great for 8-9 months. Summer is like being in a furnace for 100 days. It’s not even 105 degrees anymore ( which isn’t bad at all). 115-118 is basically ridiculous for a couple of months.
 
There’s a lot to love about the Bay Area including perfect weather. I don’t love the traffic and crowds. Anywhere hot and humid would be my last choice.
 
I would love to live in the Carlsbad or Newport Coast areas because of their mild weathers. But those are expensive areas, mainly because of prices of homes.
 
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