Retiring in Idaho: a complete guide

1 min read by Sam Becker Last updated June 27, 2025

Retiring in Idaho? This guide will tell you what you need to know.

Summary

  • Idaho has become an attractive retirement destination since the pandemic.

  • As of 2024, more than 17% of the state’s 2 million residents are over age 65.

  • Idaho is brimming with outdoor activities, but may be limited in terms of culture and diversity.

  • Some of the primary retirement destinations in Idaho include Boise, Coeur d’Alene, and Sandpoint.

Is Idaho a good place to retire?

Idaho, the Gem State, has become an increasingly popular retirement destination for many Americans in recent years, particularly for those seeking a quieter and more affordable life with access to outdoor activities, scenic views, and a moderate climate. 

It has an overall population of nearly 2 million, and 17.4% of them are over age 65.

Idaho is rife with beautiful mountains, lakes, and forests, offering a unique retirement experience that attracts many retirees every year. 

Boise, too, is a burgeoning cultural hub, along with other smaller cities around the state.

What age can you retire in Idaho?

You can retire in Idaho whenever you want, granted you have the financial means. This means that individuals are free to retire whenever they choose, as long as they are able to financially support themselves. However, there are some age-related benefits and considerations for retirees in Idaho: 

  • Social Security benefits: The earliest age at which you can begin receiving Social Security benefits is 62, but if you delay taking benefits, your monthly payments will increase. Full retirement age (FRA) is between 66 and 67, depending on your birth year. Delaying benefits until after FRA can result in even higher monthly payments. 

  • Medicare eligibility: Medicare eligibility begins at age 65, regardless of retirement status. However, if you choose to retire before age 65, you will need to find alternative healthcare coverage until you become eligible for Medicare. 

  • Age discrimination: It is illegal for employers to discriminate against employees or job applicants based on age. 

  • Retirement savings: Regardless of retirement age, individuals need to start saving for retirement as early as possible. Many financial experts recommend saving at least 15% of your income for retirement. 

Why do people retire to Idaho?

Several factors make Idaho attractive to people looking to retire:

  • Affordability: Idaho's cost of living is generally lower than the national average, which is a big draw for retirees on a fixed income. Housing and healthcare costs are also lower than in many other states, making Idaho an affordable option for retirees. 

  • Scenic views and outdoor activities: Idaho is home to numerous national parks, forests, and lakes, providing ample opportunities for outdoor activities such as hiking, camping, fishing, and skiing. Retirees can enjoy living in a scenic environment with breathtaking views. 

  • Quality of life: Idaho is known for its quality of life, with friendly communities, low crime rates, and a relaxed lifestyle. Retirees can enjoy a peaceful and stress-free environment. 

Remember, it’s best to speak with a professional financial advisor before making any retirement moves, regardless of how appealing Idaho may sound.

What makes people think twice about retiring in Idaho?

Here are some things to consider before cementing your plans to retire in Idaho:

  • Harsh winters: Idaho has cold winters with heavy snowfall, which could be a concern for retirees who are not used to living in such conditions. 

  • Limited cultural scene: Idaho is not known for its cultural scene, with fewer museums, galleries, and performing arts venues than other states. It’s also limited in terms of diversity. However, the state does offer some cultural events and festivals throughout the year. 

  • Limited healthcare options: Some areas of Idaho have limited healthcare options, which could be a concern for retirees who require regular medical attention. That’s especially true for those living in rural areas, which is much of the state.

Best places to retire in Idaho

If Idaho is your chosen retirement state, here are some of the best places to retire in: 

  • Boise: Boise is the capital city of Idaho and is known for its vibrant culture, outdoor recreation, and scenic beauty. It has a low cost of living compared to other major cities in the West, making it an attractive option for retirees. The city has a diverse mix of activities, including hiking and biking trails, museums, art galleries, and theaters. 

  • Coeur d'Alene: Coeur d'Alene is a picturesque town located in the northern part of the state, on the shores of Lake Coeur d'Alene. It has a thriving downtown area with shops, restaurants, and galleries, and is surrounded by natural beauty, including forests and mountains. The town is also home to a number of golf courses and outdoor recreational activities, such as skiing and snowboarding in the winter. 

  • Sun Valley: Sun Valley is a resort town located in central Idaho, known for its world-class skiing and outdoor activities. It has a small, tight-knit community, and is surrounded by stunning natural beauty, including the Sawtooth National Forest. The town has a variety of cultural offerings, including music festivals and art galleries. 

  • Moscow: Moscow is a charming college town located in the northern part of the state, home to the University of Idaho. It has a thriving arts scene, including a symphony orchestra and theater productions, and is surrounded by rolling hills and forests. The town also has a number of walking and biking trails, making it easy to explore the surrounding natural beauty. 

  • Sandpoint: Sandpoint is a scenic town located in the northern part of the state, on the shores of Lake Pend Oreille. It has a vibrant downtown area with shops, restaurants, and art galleries, and is surrounded by natural beauty, including the Selkirk Mountains. The town is also home to a number of outdoor recreational activities, such as skiing, hiking, and boating. 

Is Idaho your chosen retirement destination?

Idaho may be a retiree's dream: It’s affordable, beautiful, and offers a great quality of life. On the other hand, limited healthcare and cultural opportunities are considerations. 

As always, it's important to seek expert financial advice to weigh up all of the costs associated with retiring in Idaho, including property taxes, insurance, and living expenses, in order to make an informed decision about whether the state is the right choice for your retirement. 

Get matched with an expert financial advisor now

Content Writer

Sam Becker

Sam Becker is a freelance writer and journalist based near New York City. He is a native of the Pacific Northwest and a graduate of Washington State University. He has worked as a business and finance journalist and writer for more than a decade, working with media publications, brands, and experts in the field