Springfield Named Best City to Retire in Illinois According to New 2025 Report
Springfield has been crowned the best city for retirement in Illinois, according to a new report released by Retirement Living, which evaluated communities across the state based on key factors that matter most to retirees. The state capital outranked all other Illinois cities with populations of 40,000 or more, earning high marks for its affordable housing costs, robust senior community, and balanced lifestyle options, according to Yahoo News.
The comprehensive study considered multiple criteria important to retirees, including housing costs, poverty rates, tax burdens, and the percentage of older adults living in each community. Each factor was weighted based on its impact on everyday retirement life, creating a well-rounded assessment of the most retirement-friendly locations in the state.
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Demographics and Affordability Key to Springfield’s Appeal
A standout feature of Springfield’s appeal to retirees is its significant senior population, with approximately 21.8% of residents over the age of 65, “making it one of the most retirement-friendly cities in Illinois,” according to the report. This demographic concentration has helped create a community where seniors feel welcome and supported, with services and amenities catering to their needs.
Housing affordability also played a major role in Springfield’s top ranking. The report highlighted the city’s reasonable home prices, with a median value of approximately $146,350, well below the national average. Rental costs are similarly attractive, with median rents around $945, making the capital city accessible to retirees on fixed incomes, according to Retirable.
Balanced Lifestyle and Amenities
The Retirement Living researchers praised Springfield for offering “that perfect balance, a smaller city with suburban charm that doesn’t sacrifice access to amenities.” As Illinois’ state capital, residents enjoy shorter commutes, cultural diversity, and pleasant Midwestern summers, creating an appealing environment for those in their retirement years.
Springfield’s robust park system is another significant draw for seniors. The city boasts over 30 parks, including the scenic Carpenter Park nature preserve along the Sangamon River and the Washington Park and Botanical Garden. These green spaces provide ample opportunity for outdoor recreation and leisure activities that support an active retirement lifestyle.
Historical Significance and Cultural Attractions
Springfield’s rich historical significance, particularly its connection to Abraham Lincoln, provides retirees with unique cultural experiences not found elsewhere. The city is home to numerous Lincoln-related attractions, including his former residence (now a national historic site), the Abraham Lincoln Presidential Library and Museum, and the Lincoln Tomb and War Memorials.
These historical sites not only provide educational opportunities but also serve as attractions for visiting family members, particularly grandchildren. The abundance of museums and cultural institutions ensures that retirees have access to stimulating activities and lifelong learning opportunities.
Healthcare Access and Senior Services
Access to quality healthcare is a critical consideration for retirees, and Springfield performs well in this category. The city is home to several medical facilities, including major hospitals and specialized care centers, ensuring that seniors have convenient access to both routine and specialized medical services.
Additionally, the Greater Springfield Senior Services agency provides dedicated support specifically for older residents, including weekday transportation by appointment. The Sangamon Mass Transit system offers public transportation options throughout the city, making it easy for non-driving seniors to maintain their independence and mobility.
Tax Advantages for Illinois Retirees
The report also notes that Illinois offers significant tax advantages for retirees, which apply to Springfield residents. The state exempts all retirement income—including Social Security benefits, private pension payments, and withdrawals from retirement accounts such as 401(k)s and IRAs—from state income tax, creating substantial tax savings for retirees.
Property tax relief programs for seniors further enhance Springfield’s financial appeal. These include the Senior Citizens Homestead Exemption and tax-deferral options, which can help reduce the property tax burden for eligible retirees, making Springfield even more affordable on a fixed income.
Weather and Seasonal Considerations
Springfield’s climate follows typical Midwestern patterns, with average temperatures ranging from lows of 18 degrees in winter to highs of 85 degrees in summer. The city receives approximately 18 inches of snow annually, which may be a consideration for some retirees but is manageable compared to northern locations.
The four distinct seasons provide variety throughout the year, with vibrant springs, warm summers, colorful autumns, and moderate winters. This seasonal change is appealing to many retirees who prefer experiencing the full cycle of seasons rather than year-round heat or cold.
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