Planning your retirement in Texas for 2025? Many retirees prioritize safety and healthcare access. Texas is appealing due to its warm climate, no state income tax, and affordability. Our research highlights the top five safest Texas cities for retirees, which also excel in healthcare. These include cities like Sugar Land that offer healthcare access and low crime, ensuring peace of mind and well-being in your golden years.
Why Retire in Texas?
- No state income tax helps you retain more of your income.
- Diverse geography offers something for every lifestyle.
- Lower Closing costs stretch retirement savings further.
- Strong healthcare infrastructure in most urban areas.
- Thriving 55+ communities offer active, connected lifestyles.
What Makes a City Ideal for Retirees?
We evaluated cities based on:
- Crime Rate: Both violent and property crime statistics.
- Healthcare Access: Proximity and quality of hospitals and clinics.
- Senior-Friendly Amenities: Walkability, community programs, and transit options.
Top 5 Safest Cities to Retire in Texas (2025)
1. Fredericksburg, TX
Best for: Small-town charm and rural healthcare excellence
- Population: ~11,500
- Crime Rate: 53% below national average
- Healthcare: Local clinics and top-rated regional hospital
Fredericksburg is nestled in the scenic Hill Country and combines heritage with health. A peaceful place with excellent rural healthcare and access to San Antonio’s hospitals.
2. Georgetown, TX
Best for: 55+ master-planned communities and Austin proximity
- Population: ~75,000
- Crime Rate: 46% lower than national average
- Healthcare: Access to Austin’s world-class facilities
Georgetown is a favorite for active retirees, especially with Sun City Texas. You get small-town calm plus the medical sophistication of Austin.
3. McKinney, TX
Best for: Larger community feel with top hospitals
- Population: 210,000+
- Crime Rate: ~41% below national average
- Healthcare: Cardiac and orthopedic care access
A well-developed suburb of Dallas, McKinney blends family-friendly living with healthcare sophistication. Ideal for retirees seeking access to premium care.
4. Kerrville, TX
Best for: Nature lovers and affordable retirement
- Population: ~25,000
- Crime Rate: 45% below national average
- Healthcare: Regional hospital and senior services
A riverside retreat with walking trails and art festivals. Kerrville is tranquil, scenic, and designed for aging gracefully.
5. Plano, TX
Best for: Urban conveniences with top-notch safety
- Population: 290,000+
- Crime Rate: Among lowest for large U.S. cities
- Healthcare: Multiple hospitals and specialty clinics
Plano offers a clean, secure environment with abundant green spaces and elite healthcare options.
Side-by-Side City Comparison
| City | Population | Crime Rate | Healthcare Quality | Home Price (Est. 2025) |
| Fredericksburg | 11,500 | 53% below avg | Strong rural hospital | $370,000 |
| Georgetown | 75,000 | 46% below avg | Access to Austin | $400,000 |
| McKinney | 210,000+ | 41% below avg | Advanced care | $475,000 |
| Kerrville | 25,000 | 45% below avg | Local & regional care | $340,000 |
| Plano | 290,000+ | 52% below avg | Top-tier hospitals | $490,000 |
FAQs
What are the safest Texas towns for retirees in 2025 with quality healthcare?
Fredericksburg, Georgetown, and Plano top the list for their balance of safety and hospital access.
Which Texas cities have the best healthcare for seniors in low-crime areas?
McKinney and Plano offer advanced medical care with some of the lowest crime rates in Texas.
Final Thoughts
From charming small towns to vibrant suburbs, Texas has retirement-ready cities that balance peace of mind with health access. Choose based on your lifestyle—quiet riversides or city perks—and prioritize your health and safety for a worry-free retirement in 2025.
