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is becoming one of America’s most popular retirement destinations. ",{"type":770,"content":777},[778],{"type":18,"content":779},[780],{"text":781,"type":22},"Texas is tax-friendly, with exemptions and discounts for homeowners and retirees and no state income tax. ",{"type":770,"content":783},[784],{"type":18,"content":785},[786],{"text":787,"type":22},"The metropolis has many pros and cons that retirees need to consider. ",{"type":770,"content":789},[790],{"type":18,"content":791},[792],{"text":793,"type":22},"Katy is home to some of the best retirement communities in Houston. ",{"type":770,"content":795},[796],{"type":18,"content":797},[798,800,808],{"text":799,"type":22},"A ",{"text":801,"type":22,"marks":802},"financial advisor",[803,806],{"type":31,"attrs":804},{"href":55,"uuid":34,"anchor":34,"target":805,"linktype":36},"_blank",{"type":807},"underline",{"text":809,"type":22}," can review your unique situation and help you create a retirement 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several years. In 2019, ",{"text":840,"type":22,"marks":841},"research",[842],{"type":31,"attrs":843},{"href":844,"uuid":34,"anchor":34,"target":35,"linktype":36},"https://advisorsmith.com/data/cities-where-retirees-are-moving/",{"text":846,"type":22}," showed that 5,739 people moved to the Texan metropolis from another county, state or country. Separate findings showed that, more recently, a net movement of 1,139 retirees ",{"text":848,"type":22,"marks":849},"moved to Houston",[850],{"type":31,"attrs":851},{"href":852,"uuid":34,"anchor":34,"target":35,"linktype":36},"https://smartasset.com/data-studies/where-retirees-move-2024",{"text":854,"type":22}," in 2024.",{"type":18,"content":856},[857],{"text":858,"type":22},"Tax-friendly laws, warm weather for most of the year, rich cultural diversity, and a low cost of living are just some of the advantages of retiring in Houston. However, there are also downsides.  ",{"type":822,"attrs":860,"content":861},{"level":824},[862],{"text":863,"type":22,"marks":864},"What are the pros and cons of retiring in Houston ",[865],{"type":129,"attrs":866},{"color":12},{"type":18,"content":868},[869],{"text":870,"type":22,"marks":871},"As popular as the metropolis is with some retirees, there are drawbacks that some people find off-putting enough to choose another destination. ",[872],{"type":129,"attrs":873},{"color":12},{"type":18,"content":875},[876],{"text":877,"type":22,"marks":878},"Discover the pros and cons of retiring in Houston below. ",[879],{"type":129,"attrs":880},{"color":12},{"type":822,"attrs":882,"content":884},{"level":883},3,[885],{"text":886,"type":22},"Pros of retiring in Houston:",{"type":767,"content":888},[889,904,919,934],{"type":770,"content":890},[891],{"type":18,"content":892},[893,899],{"text":894,"type":22,"marks":895},"Warm climate: ",[896,897],{"type":38},{"type":129,"attrs":898},{"color":12},{"text":900,"type":22,"marks":901},"Houston is temperate to warm for most of the year – January sees an average high of 62°F. If you want to escape wet, icy winters and shoveling snow, spending your retirement in Houston, Texas, can be a comfortable way to do it. ",[902],{"type":129,"attrs":903},{"color":12},{"type":770,"content":905},[906],{"type":18,"content":907},[908,914],{"text":909,"type":22,"marks":910},"A foodie’s paradise:",[911,912],{"type":38},{"type":129,"attrs":913},{"color":12},{"text":915,"type":22,"marks":916}," Houston’s incredible cultural diversity has transformed the city into a foodie’s paradise. In addition to being home to some of the region’s top Tex-Mex and authentic Mexican restaurants, the city also boasts global cuisines from Cajun to German and from Moroccan to Vietnamese. ",[917],{"type":129,"attrs":918},{"color":12},{"type":770,"content":920},[921],{"type":18,"content":922},[923,929],{"text":924,"type":22,"marks":925},"Low cost of living:",[926,927],{"type":38},{"type":129,"attrs":928},{"color":12},{"text":930,"type":22,"marks":931}," Central Houston housing prices, especially rentals, are steep, but the overall cost of living in the city is 10% lower than the national average. Look at retirement communities in Houston beyond the city center, and you will find that housing costs are 22% lower than the national average. You can also benefit from tax-friendly state laws as well as generous property tax exemptions for residents aged 65 and older. ",[932],{"type":129,"attrs":933},{"color":12},{"type":770,"content":935},[936],{"type":18,"content":937},[938,944],{"text":939,"type":22,"marks":940},"Convenient location for day trips:",[941,942],{"type":38},{"type":129,"attrs":943},{"color":12},{"text":945,"type":22,"marks":946}," Houston’s location makes the city a perfect base for exploring the surrounding area, especially if you enjoy taking day trips. The city is located within easy reach of the Gulf of Mexico’s beautiful beaches, such as Galveston and Galveston Island, as well as green spaces, such as the Brazoria National Wildlife Refuge, Anahuac National Wildlife Refuge, and Sam Houston National Forest. ",[947],{"type":129,"attrs":948},{"color":12},{"type":822,"attrs":950,"content":951},{"level":883},[952],{"text":953,"type":22},"Cons of retiring in Houston:",{"type":767,"content":955},[956,976,988],{"type":770,"content":957},[958],{"type":18,"content":959},[960,966,968,974],{"text":961,"type":22,"marks":962},"Heavy traffic: ",[963,964],{"type":38},{"type":129,"attrs":965},{"color":12},{"text":967,"type":22},"Houston is one of the ",{"text":969,"type":22,"marks":970},"most congested cities",[971],{"type":31,"attrs":972},{"href":973,"uuid":34,"anchor":34,"target":35,"linktype":36},"https://inrix.com/press-releases/2022-global-traffic-scorecard-us/",{"text":975,"type":22}," in the US, although retiring in the city should offer the benefit of being able to avoid rush hours. Public transport options such as the city’s METRORail can help you to avoid the traffic altogether. ",{"type":770,"content":977},[978],{"type":18,"content":979},[980,986],{"text":981,"type":22,"marks":982},"Urban sprawl: ",[983,984],{"type":38},{"type":129,"attrs":985},{"color":12},{"text":987,"type":22},"Houston is the fourth most populous city in the US, and it is spread out over a large area. While many neighborhoods are walkable, the city’s vast size makes it difficult to do much walking beyond your immediate neighborhood.",{"type":770,"content":989},[990],{"type":18,"content":991},[992,998],{"text":993,"type":22,"marks":994},"Humidity and pollution: ",[995,996],{"type":38},{"type":129,"attrs":997},{"color":12},{"text":999,"type":22},"The hot summers and heavy traffic of Space City mean high levels of humidity and pollution. The American Lung Association’s 2024 State of the Air report scored Harris County “F” for high ozone days and “C” for particle pollution, combining to score an annual “fail” rating. ",{"type":822,"attrs":1001,"content":1002},{"level":824},[1003],{"text":1004,"type":22,"marks":1005},"What are the best places to retire in Houston? ",[1006],{"type":129,"attrs":1007},{"color":12},{"type":18,"content":1009},[1010],{"text":1011,"type":22,"marks":1012},"The best retirement communities in Houston have wide appeal and offer a plethora of lifestyle options. The top five places include: ",[1013],{"type":129,"attrs":1014},{"color":12},{"type":1016,"attrs":1017,"content":1020},"ordered_list",{"order":1018},{"order":1019},1,[1021,1033,1050,1062,1078],{"type":770,"content":1022},[1023],{"type":18,"content":1024},[1025,1031],{"text":1026,"type":22,"marks":1027},"Katy: ",[1028,1029],{"type":38},{"type":129,"attrs":1030},{"color":12},{"text":1032,"type":22},"This suburb offers a well-balanced blend of an active lifestyle and home comforts. It has more than 55 retirement communities, affordable housing, and one of the best doctor-per-capita ratios in the metro area. Market days and festivals are held throughout the year, and beautiful outdoor attractions such as Katy Heritage Park are relatively easy to access. ",{"type":770,"content":1034},[1035],{"type":18,"content":1036},[1037,1043,1048],{"text":1038,"type":22,"marks":1039},"Richmond:",[1040,1041],{"type":38},{"type":129,"attrs":1042},{"color":12},{"text":1044,"type":22,"marks":1045}," ",[1046],{"type":129,"attrs":1047},{"color":12},{"text":1049,"type":22},"Richmond's quiet, peaceful setting and its distance from Houston proper give the suburb a countryside charm. It offers a variety of activities and amenities, affordable housing options, good medical facilities, and easy access to major roads.",{"type":770,"content":1051},[1052],{"type":18,"content":1053},[1054,1060],{"text":1055,"type":22,"marks":1056},"Webster: ",[1057,1058],{"type":38},{"type":129,"attrs":1059},{"color":12},{"text":1061,"type":22},"Webster is the third-best retirement community in Houston, Texas, and it is ideal for people who want to balance activity and relaxation. The suburb offers a variety of parks and golf courses, museums, movie theaters, bowling alleys, boutique shops, outlet malls, more than 150 restaurants, and superb medical services.",{"type":770,"content":1063},[1064],{"type":18,"content":1065},[1066,1072,1076],{"text":1067,"type":22,"marks":1068},"Tomball:",[1069,1070],{"type":38},{"type":129,"attrs":1071},{"color":12},{"text":1044,"type":22,"marks":1073},[1074],{"type":129,"attrs":1075},{"color":12},{"text":1077,"type":22},"Quaint and charming, Tomball has much to offer in the form of shops, museums, markets, restaurants, live music, medical facilities, and parks with outdoor activities. There is a variety of housing options with a wide price range.",{"type":770,"content":1079},[1080],{"type":18,"content":1081},[1082,1088],{"text":1083,"type":22,"marks":1084},"Humble: ",[1085,1086],{"type":38},{"type":129,"attrs":1087},{"color":12},{"text":1089,"type":22},"Surrounded by greenery, Humble is an idyllic suburb with many amenities and recreational activities. In addition to gardens, parks, hospitals, and clinics, the area has many boutiques, shops, restaurants, and golf courses. Humble is also home to several popular retirement communities in Houston.",{"type":822,"attrs":1091,"content":1092},{"level":824},[1093],{"text":1094,"type":22,"marks":1095},"What age can you retire in Houston? ",[1096],{"type":129,"attrs":1097},{"color":12},{"type":18,"content":1099},[1100],{"text":1101,"type":22,"marks":1102},"Texas law does not mandate a retirement age, so you can consider retiring in Houston at any age – provided you can support yourself. ",[1103],{"type":129,"attrs":1104},{"color":12},{"type":18,"content":1106},[1107],{"text":1108,"type":22,"marks":1109},"There are a few benefits that come with waiting until your mid-60s before retiring, such as: ",[1110],{"type":129,"attrs":1111},{"color":12},{"type":767,"content":1113},[1114,1129,1144,1159],{"type":770,"content":1115},[1116],{"type":18,"content":1117},[1118,1124],{"text":1119,"type":22,"marks":1120},"Medicare eligibility:",[1121,1122],{"type":38},{"type":129,"attrs":1123},{"color":12},{"text":1125,"type":22,"marks":1126}," You become eligible for Medicare when you turn 65, regardless of your retirement status. ",[1127],{"type":129,"attrs":1128},{"color":12},{"type":770,"content":1130},[1131],{"type":18,"content":1132},[1133,1139],{"text":1134,"type":22,"marks":1135},"Social Security benefits:",[1136,1137],{"type":38},{"type":129,"attrs":1138},{"color":12},{"text":1140,"type":22,"marks":1141}," Although you can start receiving benefits when you turn 62, you can receive bigger monthly payments if you delay claiming them for a few more years. ",[1142],{"type":129,"attrs":1143},{"color":12},{"type":770,"content":1145},[1146],{"type":18,"content":1147},[1148,1154],{"text":1149,"type":22,"marks":1150},"No age discrimination: ",[1151,1152],{"type":38},{"type":129,"attrs":1153},{"color":12},{"text":1155,"type":22,"marks":1156},"Employers may not discriminate against applicants or employees based on their age, according to the law. ",[1157],{"type":129,"attrs":1158},{"color":12},{"type":770,"content":1160},[1161],{"type":18,"content":1162},[1163,1169,1174,1183],{"text":1164,"type":22,"marks":1165},"Retirement savings: ",[1166,1167],{"type":38},{"type":129,"attrs":1168},{"color":12},{"text":1170,"type":22,"marks":1171},"According to many financial advisors, you should aim to save at least 15% of your income for retirement. It’s good to start saving for retirement as early as possible. Find out more about the ",[1172],{"type":129,"attrs":1173},{"color":12},{"text":1175,"type":22,"marks":1176},"average retirement savings in the US",[1177,1180,1182],{"type":31,"attrs":1178},{"href":1179,"uuid":34,"anchor":34,"target":805,"linktype":36},"https://www.unbiased.com/discover/retirement-investing/average-retirement-savings",{"type":129,"attrs":1181},{"color":12},{"type":807},{"text":1184,"type":22,"marks":1185},". ",[1186],{"type":129,"attrs":1187},{"color":12},{"type":822,"attrs":1189,"content":1190},{"level":824},[1191],{"text":1192,"type":22,"marks":1193},"What taxes do retirees pay in Houston? ",[1194],{"type":129,"attrs":1195},{"color":12},{"type":18,"content":1197},[1198,1203,1217],{"text":1199,"type":22,"marks":1200},"The Lone Star state is tax-friendly, which is one of the reasons many Americans choose retirement in Houston, Texas. There is no state income tax, and there’s ",[1201],{"type":129,"attrs":1202},{"color":12},{"text":1204,"type":22,"marks":1205},"no state tax",[1206,1215],{"type":31,"attrs":1207},{"href":1208,"uuid":1209,"anchor":34,"target":35,"linktype":74,"story":1210},"/discover/taxes/the-nine-states-with-no-state-tax","6b49652f-96d2-47af-9ce4-a555dc1392a2",{"name":1211,"id":1212,"uuid":1209,"slug":1213,"url":1214,"full_slug":1214,"_stopResolving":558},"The nine states with no state tax",296205839,"the-nine-states-with-no-state-tax","discover/taxes/the-nine-states-with-no-state-tax",{"type":129,"attrs":1216},{"color":12},{"text":1218,"type":22,"marks":1219}," on Social Security benefits, retirement account income, pension income, and other types of retirement income, such as working part-time.  ",[1220],{"type":129,"attrs":1221},{"color":12},{"type":18,"content":1223},[1224],{"text":1225,"type":22,"marks":1226},"While the state sales tax is higher than 8%, groceries, prescription drugs, and over-the-counter medication are exempt. The state also offers a $10,000 senior property tax exemption and a homestead exemption, while Harris County offers an optional $3,000 homestead exemption and a 10% homestead cap on property tax bill increases. ",[1227],{"type":129,"attrs":1228},{"color":12},{"type":822,"attrs":1230,"content":1231},{"level":824},[1232],{"text":1233,"type":22},"Get expert retirement advice",{"type":18,"content":1235},[1236],{"text":1237,"type":22},"If you’re considering joining the 2.2 million people who call Houston home, keep reading to learn more about retiring in the metropolis. ",{"type":18,"content":1239},[1240],{"text":1241,"type":22},"Your expenses will vary from location to location, depending on your purchasing choices.",{"type":18,"content":1243},[1244,1248,1255],{"text":1245,"type":22,"marks":1246},"Let Unbiased match you with ",[1247],{"type":38},{"text":1249,"type":22,"marks":1250},"a financial advisor",[1251,1254],{"type":31,"attrs":1252},{"href":1253,"uuid":34,"anchor":34,"target":35,"linktype":36},"https://v2.unbiased.com/inquiry/financial-advisor/primary-areas?_gl=1%2a1c8hmvn%2a_gcl_au%2aMTUyNjk5OTY4OC4xNzQwMzg4NTY2%2a_ga%2aMTYyMzQwNDg3My4xNzMyNjEyMjYy%2a_ga_2L93GWDPD4%2aMTc0MDU2ODQ5MS44OC4xLjE3NDA1NzQ3MjQuNDEuMC4w&mf-type=regular",{"type":38},{"text":1256,"type":22,"marks":1257}," who can offer expert financial advice and help you navigate your retirement savings options.",[1258],{"type":38},"article-rich-text",[1261],{"_uid":1262,"image":1263,"title":1265,"component":1277,"breadcrumbs":558},"fc699300-2b4f-4e46-94e9-9f47c1b241c6",{"alt":12,"name":12,"title":12,"filename":1264,"copyright":12,"fieldtype":812},"https://a.storyblok.com/f/185166/1193x671/8d94e05811/retiring-in-houston.webp",{"type":15,"content":1266},[1267],{"type":18,"content":1268},[1269,1275],{"text":1270,"type":22,"marks":1271},"Retiring in Houston:",[1272],{"type":25,"attrs":1273},{"class":1274},"primary-gradient",{"text":1276,"type":22}," what are the pros and cons?","app-hero",{"name":1279,"created_at":1280,"published_at":1281,"updated_at":1282,"id":1283,"uuid":1284,"content":1285,"slug":1296,"full_slug":1297,"sort_by_date":34,"position":1298,"tag_list":1299,"is_startpage":543,"parent_id":1300,"meta_data":34,"group_id":1301,"first_published_at":1302,"release_id":34,"lang":730,"path":34,"alternates":1303,"default_full_slug":34,"translated_slugs":34,"_stopResolving":558},"Andrew Michael","2024-12-12T14:38:57.991Z","2025-01-28T11:53:05.120Z","2025-01-28T11:53:05.154Z",594845712,"51e5cc26-cf3f-44ed-aafe-a1a62ee99787",{"job":1286,"_uid":1287,"name":1279,"image":1288,"component":1292,"education":1293,"expertise":1294,"description":1295},"Content Writer","a6e3129c-eeee-4438-8204-797883981521",{"id":1289,"alt":12,"name":12,"focus":12,"title":12,"source":12,"filename":1290,"copyright":12,"fieldtype":812,"meta_data":1291,"is_external_url":543},19150475,"https://a.storyblok.com/f/185166/2316x3088/3d19422433/andrew-michael.jpg",{},"article-author","University of London, BSc (Hons) in Physics","Five journalism awards, including Investment Journalist of the Year (twice), Pensions Journalist of the Year (twice), and Venture Capital Journalist of the Year.\nFormer editor-in-chief of investment titles at Financial Times Magazines.\nSpecial recognition trophy, Headlinemoney Awards 2023.\n","Andrew Michael is a multiple award-winning financial journalist and editor whose work has appeared in numerous newspapers, magazines, and online platforms, including The Times, Evening Standard Money, Financial Times, Shares, and Forbes Advisor. ","andrew-michael","authors/andrew-michael",-10,[],224651374,"e88416b7-efa8-4a91-8603-ea86e80e816e","2024-12-12T14:40:44.315Z",[],[],{"title":1306,"plugin":1307,"og_image":12,"og_title":12,"description":1308,"twitter_image":12,"twitter_title":12,"og_description":12,"twitter_description":12},"Retiring in Houston: what are the pros and cons?","seo_metatags","Explore the allure of retiring in Houston, Texas, with our in-depth guide. Learn more about the city's affordable living and the vibrant cultural scene. ","app-article",[],[],"We delves into why retiring in Houston is an attractive option for thousands of Americans every year, looking at the pros and cons, the best places to retire, and age-related and tax considerations.",[],"retiring-in-houston","discover/retirement/retiring-in-houston",70,[],365223437,"235122a8-4d64-4896-bc6f-4451c07f5aba","2023-12-22T12:03:38.609Z",[],{"left":727,"top":727,"width":1323,"height":1323,"rotate":727,"vFlip":543,"hFlip":543,"body":1324},24,"\u003Cpath fill=\"currentColor\" d=\"M3.71 16.29a1 1 0 0 0-.33-.21a1 1 0 0 0-.76 0a1 1 0 0 0-.33.21a1 1 0 0 0-.21.33a1 1 0 0 0 .21 1.09a1.2 1.2 0 0 0 .33.21a.94.94 0 0 0 .76 0a1.2 1.2 0 0 0 .33-.21a1 1 0 0 0 .21-1.09a1 1 0 0 0-.21-.33M7 8h14a1 1 0 0 0 0-2H7a1 1 0 0 0 0 2m-3.29 3.29a1 1 0 0 0-1.09-.21a1.2 1.2 0 0 0-.33.21a1 1 0 0 0-.21.33a.94.94 0 0 0 0 .76a1.2 1.2 0 0 0 .21.33a1.2 1.2 0 0 0 .33.21a.94.94 0 0 0 .76 0a1.2 1.2 0 0 0 .33-.21a1.2 1.2 0 0 0 .21-.33a.94.94 0 0 0 0-.76a1 1 0 0 0-.21-.33M21 11H7a1 1 0 0 0 0 2h14a1 1 0 0 0 0-2M3.71 6.29a1 1 0 0 0-.33-.21a1 1 0 0 0-1.09.21a1.2 1.2 0 0 0-.21.33a.94.94 0 0 0 0 .76a1.2 1.2 0 0 0 .21.33a1.2 1.2 0 0 0 .33.21a1 1 0 0 0 1.09-.21a1.2 1.2 0 0 0 .21-.33a.94.94 0 0 0 0-.76a1.2 1.2 0 0 0-.21-.33M21 16H7a1 1 0 0 0 0 2h14a1 1 0 0 0 0-2\"/>",[1326,1329,1330],{"title":1327,"exact":558,"href":1328},"Home","https://www.unbiased.com",{"title":161,"exact":558,"to":174,"disabled":543},{"title":750,"exact":558,"to":1331,"disabled":558},"/discover/retirement/retiring-in-houston",{"left":727,"top":727,"width":733,"height":733,"rotate":727,"vFlip":543,"hFlip":543,"body":1333},"\u003Cpath fill=\"currentColor\" d=\"m181.66 133.66l-80 80a8 8 0 0 1-11.32-11.32L164.69 128L90.34 53.66a8 8 0 0 1 11.32-11.32l80 80a8 8 0 0 1 0 11.32\"/>",1776762700527]