Arizona is the Best State for Retirement

Tony Ray Baker
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Arizona is the Best State for Retirement

Tucson has plenty of reasons for you to love it, the amazing Mexican food, the spectacular sunsets, and the low-key winters just to name a few. But did you know that being in Arizona puts us in one of the top 7 tax-friendly states? That’s great news for people looking to relocate and especially good for retirees on a fixed income. Here’s why Arizona is the best state for retirement.

Tucson For the Retired

We’ve assembled a list of tax-free items so you can see, at a glance, the biggest tax reasons Tucson, Arizona is the place to be and the best state for the retired.

Arizona is a Top 7 Tax-Friendly State
Arizona is a Top 7 Tax-Friendly State

Tax-free:

  1. Estate and inheritance 
  2. Groceries
  3. Military retirement income
  4. Prescription drugs
  5. Railroad retirement income
  6. Social-Security benefits

Tax-Breaks:

  1. Up to $2,500 of income from federal government, designated Arizona state government, and Arizona local government retirement plans is exempt.
  2. Senior residents could qualify for a property tax refund of $502.
  3. Seniors of 70 and older can qualify to defer their property taxes if they’ve lived in their home for 6 years and in Arizona for 10.
  4. For AZ state government, and AZ local government up to $2,500 in retirement plans are exempt.

Tax-Basics:

  1. Arizona has a 5.6% state levy
  2. Cities can add up to 5.6% but the states median is 8.4%
  3. Low end income tax is 2.5%, the high is 5.7%
  4. There is a 3.5% surtax on (taxable) income over $250,000 for single filers and $500,00 for joint filers.

Ok so technically all this information applies to the entire state of Arizona as a whole, however… We really believe that once you’ve looked around at what AZ has to offer you will find that Tucson is not only economically feasible but it’s also the warmest and welcoming city you will find on our stretch of the Sonoran Desert. When you’re done with the rest, come back to the best!

Tucson Ranks #7 as Best Music City in the U.S.

Tony Ray Baker
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Tucson Ranks #7 as Best Music City in the U.S.
best music city
Tucson Ranks as Best Music City in the Country!!

If you ask Tucson music fans and artists alike they will tell you: Tucson is a great music town.

Best Music City: Tucson, AZ

A national survey released in 2016 shows that we’re better than great: We are really, really great.

In the list of top music cities in the United States, Tucson comes in seventh overall. Yay Confetti!

In the regional rankings, Tucson is second overall, right behind Austin, Texas — to which Tucson is often compared to.

The Value Penguin does demographically-based consumer lists and this is what they found about music cities in the U.S.:

• Tucson Ranked 7th Overall Nationally

  1. Nashville, Tennessee
  2. Urban Honolulu, Hawaii
  3. Seattle, Washington
  4. Madison, Wisconsin
  5. Austin, Texas
  6. Albany-Schenectady, New York
  7. Tucson, Arizona
    *Phoenix-Mesa landed at 103rd overall.
 • Tucson ranked 2nd regionally, right behind Austin and before Tulsa, Oklahoma.

• Tucson tanked to the bottom of the pile though, for having the most radio stations, coming in at 104 on the list of 200 cities

• We are number 39 for the number of record stores.

• Tucson came in 31st for the percentage of the population with music degrees.

The Value Penguin study evaluated 200 metropolitan areas using statistical data from sources including the U.S. Census Bureau, Thrillist, the Burau of Labor Statistics and several media surveys including USA Today and Travel & Leisure.

Here is a PDF of the original article if you’d like to see it.
https://www.valuepenguin.com/2016/best-cities-music-fans

The Tucson Music Scene, from a Local’s Perspective

To expand on this article’s findings, as a Tucsonan, I can provide you with some first-hand feedback about the music scene. If I were going to describes Tucson’s music scene with a movie title I’d name it, Boogy Nights.

From local musicians – to emerging underground artists – to the biggest names in music, you will find it all here.

Geography

Simply thinking about geography, Tucson is a convenient travel stop next to L.A., San Diego, Las Vegas and Phoenix.

Tucson ranked best music city in USA
Tucson ranked best music city in USA

Artists Love the Crowd at Tucson, Unless they Tell that to Everybody…

Not only is Tucson a convenient stop, but artists say they love coming to Tucson because the crowd gives them all “the feels”.

This isn’t a surprise to me — Tucsonans are friendly, energetic and love to dance. It’s a pleasure to be a part of a good community and then to show artists and visitors what we’re all about.

Intimate Venues

If big crowds aren’t your thing and you are more into the private party style vibe, you’ll appreciate how the style is in Tucson. You won’t have to fight LA style crowds here and smaller venues = better views.

Tucson Music Venues

One of Tucson’s most popular music venues is the Rialto Theater, and it has a capacity of 1,200 people making it a small-big venue. This historic venue is congruent with Tucson in the same way that  Tucson is a big city with a small-town vibe (Tucson’s population: 500,000 people).

There are many popular Tucson venues that are a lot smaller than The Rialto, like Hotel Congress, The Rock, Flycatcher, Solar Culture, 191 Toole and many more. Bigger venues are also present in Tucson like the Fox Theater, Tucson Convention Center, Casino del Sol and The Pima County Fairgrounds.

Proximity to Other Happening Places

Did you know that Phoenix is the 6th largest city in America? The drive to get there is easy and simple, a nice straight-shot up I-10 for about 75 minutes will open up another world. Enjoy the happenings and amenities of this big city and then return home to your quiet, safe, better-weathered community (Yes, Tucson has better weather than Phoenix, it’s cooler.). When the moment strikes for different adventures, you also have Vegas, San Diego, and L.A. all in close proximity for a road trip or a short flight.

Smaller Town Lifestyle with Big City Amenities

This is what Tucson is known for. It’s easy to have the best of all worlds living in Tucson. You get small town community with all the big city action coming straight to Tucson and nearby.

Do you want to learn about upcoming concerts in Tucson? Here’s a music meetup group and you can also check our events calendar.

Are you wanting to know even more about Tucson? Do you think Tucson might be a good place for you to live? I am a Tucson realtor with a passion and appreciation for this city. There are many articles on this site for you to go through to learn more and I am happy to help you learn more about Tucson and maybe even help pick out the perfect home for you. As one of the most affordable places to live in the country, home prices are low, making the point-of-entry to own a home actually accessible. There really are some great reasons why you should consider Tucson to build your life, home and business. I’d love to talk with you.

Take care of yourself and if we don’t speak on the phone soon, I will see you on the dance floor.

Have a great day,
Tony Ray
(520) 631-TONY (8669)
Free relocation package and Tucson fun info

Download the Best Cities for Music Fans

Congress Street Award

Tony Ray Baker
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Congress Street Award
Accolades or Kudos for Congress Street Award in Tucson, Arizona.
Accolades or Kudos for Congress Street Award in Tucson, Arizona.

Congress Street Award

A view of Tucson's beautiful sunset down Congress Street to Church Avenue. Photo courtesy Steven Meckler.
A view of Tucson’s beautiful sunset down Congress Street to Church Avenue. Photo courtesy Steven Meckler.

Again, another accolade for Tucson, Arizona. Recently, Congress Street was awarded Great Street by the American Planning Association. Congress Street was a happening place back in the day. However, due to a skyrocketing population and increased car traffic, it ever so gradually became less friendly to the pedestrians walking on the street. This was a huge problem. The city planners wanted to address the situation head-on which ended up labeled from the American Planning Association as a 2017 Great Street Award.

In early 2000s, city planners, Tucson officials, and engineers planned out a series of inventive plans to breathe new life into the local economy and restore its commercial opalescence. Since then, Congress Street, has had several makeovers to try bringing mode-sharing back to the street.

Congress Street Award: Renovations Since Early 2000s

  • Reduced the street from three lanes to two
  • Sidewalks widened to encourage more pedestrian activity
  • Trees planted to help with the relentless Arizona heat
  • Bike parking added for cyclists
  • SunLink, a modern streetcar added
  • Restoration of the Rialto Theatre and the Fox Tucson Theatre

Congress Street Award: By The Numbers

Congress Street is a major cultural hub for Tucson and hosts an array of events, including the annual Tucson Jazz Fest every January. Photo courtesy Steven Meckler.
Congress Street is a major cultural hub for Tucson and hosts an array of events, including the annual Tucson Jazz Fest every January. Photo courtesy Steven Meckler.
  • 67 new businesses have opened along the street since 2008
  • 25 restaurants are currently operating along Congress Street, 16 of which are in historic buildings and 22 of which are locally owned or Arizona based
  • 40 years is how long the Fox Tucson Theatre sat empty before it was revived as a significant community resource
  • 12 historic buildings have had facades restored with private investment matching public funding at a ratio of 6:1
  • 4 of SunLink’s 23 stops are along the street

Congress Street Award: The Designated Area

The designated area for Congress Street extends 1.63 miles from Toole Avenue on the east, which serves as a gateway to downtown, to Silverbell Road on the west, home of the historic Menlo Park Neighborhood and the Mercado District. The street’s commercial corridor runs about four-tenths of a mile between North Church Street and East Toole Avenue.

In conclusion, I truly hope that you get a chance to take a trip downtown and checkout the newly planned and reconstructed Congress Street. There are so many things to do and plenty of fun businesses to take your money. lol 😉

Have a great day! 🙂

Tony Ray Baker & Darren Jones

Download the PDF of Planning Excellence - Congress Street

Why Forbes Ranked Tucson, AZ as One of the Best Places to Retire in 2025

jamesportis
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Why Forbes Ranked Tucson, AZ as One of the Best Places to Retire in 2025

Sun, scenery, and smart living — Tucson, Arizona has it all. Recognized by Forbes as one of the Best Places to Retire in 2025, Tucson stands out as a vibrant Southwestern city that offers retirees an ideal blend of affordability, cultural richness, and health-conscious living. With a population of approximately 550,000 and a location just 65 miles north of the Mexican border, Tucson is nestled in the heart of the Sonoran Desert. But it’s not just the landscape that’s warm — Tucson’s welcoming atmosphere, moderate cost of living, and active lifestyle make it a standout choice for your next chapter.

Whether you’re seeking sunshine, smart investment opportunities, or a community that celebrates both leisure and lifelong learning, Tucson delivers. Let’s explore exactly why Forbes and smart retirees across the country are turning their eyes to this unique desert gem.

Employment: Stability Without Stress

While employment may not be the top priority for every retiree, economic health still matters — especially when it comes to community vitality and opportunities for part-time work or volunteering. Tucson’s projected annual job growth of 1% reflects steady and manageable growth, contributing to a strong local economy without the overcrowding or inflationary pressure of booming job markets.

The unemployment rate sits at 4.8%, which is relatively low and signals a healthy, functioning workforce. Retirees who want to stay active professionally or philanthropically will find opportunities in Tucson’s expanding healthcare, education, and nonprofit sectors. And for those simply seeking peace of mind about their investment in a home or local business, Tucson’s economic metrics offer reassurance.

Tucson also hosts a 1.7% high-tech employment rate, showing the city’s growing innovation footprint. That means you’ll find a mix of young professionals and startups contributing to the community fabric, keeping Tucson feeling fresh and forward-thinking.

Housing: Affordability Meets Desert Beauty

In 2025, the median home price in Tucson is $329,000, a full 19% below the national median. That’s excellent news for retirees looking to stretch their nest egg further — and even better news for those seeking a lifestyle upgrade without the big-city price tag. With a housing affordability index of 151, Tucson proves that you don’t have to compromise comfort or quality when downsizing or relocating.

What does that index mean? It indicates that a household with median income has 51% more income than needed to afford a typical mortgage. In other words, homeownership is not only possible here — it’s genuinely attainable. Whether you’re looking for a low-maintenance townhouse, a historic adobe in the heart of downtown, or a spacious desert-view property, Tucson offers options that fit a wide range of preferences and budgets.

And with relatively moderate vulnerability to natural hazards, you can invest with confidence. No hurricanes, minimal flooding risk, and a stable geological setting make Tucson a smart place to plant roots.

Education: A Culture of Lifelong Learning

Tucson may be a retirement destination, but it’s also a hub for intellectual and cultural enrichment. As the proud home of the University of Arizona, the city is infused with academic energy and cultural offerings — from lecture series and public performances to museum exhibits and botanical research centers.

The region boasts a strong educational foundation, with 89.5% of residents holding a high school diploma, 33.6% holding college degrees, and 14% earning graduate degrees. That means you’ll be surrounded by a well-educated population — a plus for anyone seeking thoughtful conversation, informed community engagement, or high-quality services.

And for retirees interested in continuing education, Tucson’s proximity to academic institutions makes learning more accessible than ever. Many programs offer senior rates or even free auditing opportunities, so you can take that art history class or start learning Spanish without breaking the bank.

Quality of Life: Wellness, Nature, and Community

Quality of life is where Tucson truly shines. With 139 sunny days over 90°F and just 21 days below freezing, this city delivers warmth and comfort for those ready to leave behind long winters. And despite the desert heat, Tucson remains very bikeable and somewhat walkable, making it easier to stay active and connected.

Healthcare access is strong here, with a good ratio of primary care doctors per capita — essential for anyone prioritizing wellness in retirement. Add to that a retiree-friendly tax climate, including a flat state income tax of 2.5%, no taxation on Social Security, and no state estate or inheritance tax, and it’s easy to see why financial security is more achievable here than in many other parts of the country.

While Tucson does face challenges such as higher crime rates and poor air quality, the city counters with a resilient, engaged community and ongoing urban development efforts. With an average commute time of just 25 minutes, you can spend more time enjoying life and less time in traffic.

The cultural richness of Tucson also plays a significant role in its high livability. From authentic Mexican cuisine and historic missions to contemporary art galleries and music festivals, there’s always something to explore. Plus, with net migration numbers showing positive growth, it’s clear others are catching on to what makes Tucson so special.

Ready to Retire in Tucson? Let Tony Ray Baker Help

Tony Ray Baker, Tucson Realtor with Tierra Antigua Realty

Tucson’s charm isn’t just a headline — it’s a lifestyle. With its unbeatable mix of affordability, beauty, and wellness-minded infrastructure, it’s no wonder Forbes continues to highlight Tucson as a top choice for retirement in 2025.

If you’re considering making Tucson your forever home, Tony Ray Baker is here to help. With deep roots in the community and a passion for helping retirees find the perfect fit, Tony Ray is your go-to local Realtor for a stress-free, informed relocation experience.

✅ Need help finding a home in Tucson that fits your lifestyle and budget?
✅ Want to learn about Tucson’s neighborhoods, amenities, and real estate trends?
✅ Curious about how to navigate the Arizona housing market as a retiree?

You’re not alone. Tony Ray and his team specialize in helping people just like you transition smoothly into Tucson life. They’ll help you explore neighborhoods, answer your financial questions, and handle every detail — so you can focus on enjoying your next adventure.

👉 Visit our Relocation Page to learn more, request your free relocation guide, and connect with Tony Ray Baker directly.

Welcome to Tucson — we can’t wait to help you call it home.

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