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Four Central Texas Cities Shine as Best Retirement Spots for 2026
As the golden years approach, many retirees are finding their ideal sanctuary in the heart of Texas. A recent study from RetirementLiving.com has pinpointed four cities in Central Texas that stand out as some of the best places to retire in 2026: Temple, Georgetown, Austin, and Killeen. Each city offers a unique blend of affordability, healthcare access, and rich local culture.
Temple Takes the Lead
Leading the charge is Temple, ranked as the 13th best place to retire statewide. It offers retirees a balance of affordability and livability. The city scored well for healthcare access, a crucial consideration for seniors. Yet, it does have room for improvement in safety measures, ranking 17th among 31 Texas cities examined in the study.
A Haven in Georgetown
Close on Temple's heels with a rank of 15 is Georgetown, which boasts the second-highest safety rating for retirees in Texas. Known for its charming downtown square and vibrant community events, Georgetown finds the perfect blend between historical allure and modern amenities. Popular venues like the Brass Peacock speakeasy and the Two Step Inn music festival contribute to its appeal.
Austin and Killeen: Tucked in the Middle
While Austin is renowned for its unique culture and entertainment, it only secured the 24th position on this list. As a major city, it provides vast opportunities for social activities, dining, and cultural experiences, making it a competitive choice for retirees despite its higher cost of living.
Killeen, ranking 25th, offers an inviting community atmosphere and essential services tailored for retirees. However, it does not boast as many of the same attractions and conveniences as its neighboring cities.
Surprising Exclusions: Leander, Round Rock, and Pflugerville
Interestingly, three cities that frequently appear on retirement lists—Leander, Round Rock, and Pflugerville—did not make it onto this year's list. Despite their growing popularity in recent years and recognition from U.S. News & World Report as top retirement spots in 2025, they were absent in this study. This discrepancy could reflect varying criteria used in different analyses.
North Texas Dominates the Retirement Rankings
While Central Texas is carving its niche, the northern part of the state is claiming the top spots, with seven of the top ten cities located in the Dallas-Fort Worth Metroplex. Carrollton, Plano, and Garland are among the frontrunners, with their impressive safety records further solidifying their appeal to retirees. This trend highlights a growing reality for those seeking safety and community-centric living.
The Importance of Safety and Community for Retirees
Retirement living hinges not just on affordable housing, but also on safety and community engagement. Cities that foster connections through festivals and gatherings—like Georgetown with its Red Poppy Festival—create the kind of enriching environments that retirees seek. Other cities like Carrollton are noted for lower crime rates, making them ideal for retirees who value a sense of security in their twilight years.
Conclusion: Finding the Right Fit for Retirement
Whether it’s the charm of Georgetown, the affordability of Temple, or the vibrant energy of Austin, Central Texas presents a variety of choices for those entering retirement. As you weigh your options, consider what attributes matter most on your journey to a fulfilling retirement lifestyle. Engage with community initiatives, explore local amenities, and emphasize safety when selecting your next home base.
As these cities continue to evolve and grow, they remain highly relevant for prospective retirees looking for a welcoming environment in which to enjoy their golden years.
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