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retire

Finding the Best Places to Retire Since 2006!

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Friendly Flagstaff Boasts Plenty of Sunshine and Old West Character Perfect for Retirement

Scenic Mountain Living

Perched at 7,000 feet above sea level in the San Francisco Peaks, Flagstaff offers retirees an extraordinary blend of mountain beauty, cultural energy, and practical living. With a population of about 78,000 people and a median age of 28—thanks in part to Northern Arizona University—Flagstaff is a unique mix of youthful vibrancy and Old West character. Tourists love to visit.

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While the cost of living is higher than the national average, many retirees find the area’s quality of life, stunning scenery, and abundance of amenities well worth the investment. Strolling historic downtown streets, enjoying farm-to-table dining, or simply soaking in breathtaking mountain views, it’s easy to see why people choose Flagstaff as their retirement home.

Taxes, Finances and Travel

Flagstaff also delivers financial advantages for retirees. Arizona does not tax Social Security benefits, and while some other retirement income is taxed, the overall burden remains moderate compared to many other states.

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When it comes to property taxes, Flagstaff's average effective tax rate (the average amount of property taxe actually paid by a homeowner expressed as a percentage of the property's value) is .50%, well below the national average.

Working with a Flagstaff or online financial advisor who specializes in tax planning and estate strategies can make retirement dollars in Arizona stretch further than you might expect.

For those with a passion for travel, Flagstaff’s Pulliam Airport provides convenient regional flights, while Phoenix Sky Harbor International Airport—a two-hour drive away—offers direct access to destinations across the country and beyond, making spontaneous getaways simple and stress-free.

Climate, Safety and Heathcare Access

The climate is another major draw. Unlike much of Arizona, Flagstaff enjoys four distinct seasons, with mild summers, crisp autumns, and snowy winters that bring a taste of mountain charm without the punishing heat found in lower desert towns. This climate makes outdoor living a year-round reality: retirees hike scenic trails, ski the slopes of Arizona Snowbowl, and explore national treasures like Walnut Canyon and Sunset Crater, all within minutes of home.

Safety and healthcare add to Flagstaff’s appeal. The city’s crime rates meet national averages, and healthcare is anchored by Flagstaff Medical Center, a highly regarded hospital that offers specialized care in cardiology, orthopedics, and senior health services. This strong medical infrastructure gives retirees peace of mind while enjoying the freedom of mountain living.

Housing Options

Housing ranges from charming cabins tucked among the pines to modern condos and low-maintenance townhomes close to downtown. Many retirees appreciate the city’s mix of established neighborhoods and newer developments, as well as its strong sense of community, where local events, cultural festivals, and educational programs create an active and welcoming environment. The median home price is $695,000.

Lifestyle

Although Mother Nature is a major draw here, Flagstaff has more to offer than just outdoor adventure. This is a sophisticated small city with a symphony orchestra and several theatre groups, including the Theatrikos Theatre Company. Northern Arizona University's award-winning theatre department mounts several productions a year. Residents also enjoy opera performances, produced by the Flagstaff Light Opera Company, as well as the works of at least three dance companies.

The downtown has been revitalized and now boasts brick sidewalks, refurbished historic structures and a varied mix of retailers, shops, restaurants and galleries. Shopping consists of a lot of boutique-style shops, but the Flagstaff Mall has 80 name brand retailers.

Drawbacks

It is worth noting that Flagstaff's poverty rate is above the national average. Part of this, but not all, is due to the large student population. Class and racial lines are evident. Prices are often inflated thanks to the the number of tourists.

Flagstaff Belongs on Your Retirement Town Short List

Yet, for retirees looking to balance mountain adventure, a scenic setting and relatively easy access to airport transportation, Flagstaff offers a rare combination. From tax-friendly policies to abundant sunshine, this northern Arizona gem is as practical as it is picturesque and may be the perfect place to begin the next chapter.

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