Best Places to Retire in Australia: 6 Key Lifestyle Factors

When we picture retirement, we often imagine our “dream home”—a place where we can enjoy peaceful afternoons, a strong sense of community, and the perfect mix of lifestyle and convenience.

However, deciding where to settle down isn’t always easy. A location might seem perfect now, but will it still suit your needs in five, ten, or even twenty years? To make the right choice, consider these six key lifestyle factors when looking for the best place to retire in Australia.

1. Can You Comfortably Afford to Live There?

Retirement should be about enjoying life—not stressing over finances. The last thing you want is to be caught off guard by rising expenses. No one wants to feel stretched because the cost of living is higher than expected.

Some locations are budget-friendly, while others—especially coastal hotspots and capital cities—can be expensive. Planning ahead ensures financial peace of mind.

Most Affordable Retirement Spots in Australia:

• Adelaide, SA – One of the most affordable capital cities with a relaxed pace of life.
• Hobart, TAS – Beautiful scenery, lower property prices, and a welcoming retirement community.
• Regional Queensland – Towns like Hervey Bay, Toowoomba, and Bundaberg offer affordable alternatives to the Sunshine Coast.

Questions to Consider:

• Will my retirement savings, pension, or super be enough to sustain me long-term?
• Is downsizing an option to free up equity?
• Are there senior discounts or government incentives that make living here more affordable?

💡 Tip: Compare local council rates, utility costs, and grocery prices with your current expenses before making a decision. A little research now can help you avoid surprises later.

🔗 Further Reading: Government Support for Older Australians – Learn about financial assistance, aged care services, and community programs available for retirees.

2. Does the Climate Suit Your Lifestyle & Health?

Do you prefer warm, sunny days by the beach or crisp winters by the fire? The climate you choose can impact not only your daily lifestyle but also your long-term health. Climate plays a big role in lifestyle and can even affect conditions like arthritis, asthma, and allergies.

Climate Preferences for Retirees in Australia:

• Warm Coastal Living (QLD, NT, Northern NSW) – Perfect for sun lovers who enjoy tropical weather.
• Mild, Balanced Seasons (VIC, SA, WA) – Great for those who enjoy defined seasons without extreme temperatures.
• Cooler Temperate Regions (TAS, High Country VIC & NSW) – Ideal for retirees who prefer mild summers and cool winters.

Things to Consider:

• Will extreme heat, humidity, or cold affect my health?
• Would I prefer a home that doesn’t require constant air-con or heating?
• Are there risks of bushfires, floods, or cyclones in this area?

💡 Tip: Visit potential retirement locations in different seasons to get a true feel for the climate. It’s best to experience the area in all weather conditions before making a final decision.

3. Will You Have Easy Access to Healthcare & Support Services?

Even if healthcare isn’t a major concern now, it will likely become more important as you age. Having easy access to medical care can make a big difference in quality of life.

Best Cities for Healthcare Access:

• Melbourne & Sydney – Leading hospitals and specialist care.
• Brisbane & Perth – Strong public and private healthcare networks.
• Adelaide & Hobart – Less crowded, yet offering well-established medical services.

Key Healthcare Considerations:

• Are there bulk-billing GPs nearby?
• How close is the nearest hospital or specialist clinic?
• What aged care services are available if I need them in the future?

💡 Tip: Check if your preferred location has an aged care action plan to future-proof your move. A little foresight now can save stress later.

🔗 Further Reading: My Aged Care – Government Services

4. Will the Community & Lifestyle Keep You Engaged?

Would you rather live in a bustling town where everything is within walking distance, or are you happy to drive to amenities? Staying socially active and engaged is key to a happy retirement.

Best Retirement Communities in Australia:

• Beachside Living: Sunshine Coast, Coffs Harbour, Mornington Peninsula.
• Rural & Wine Regions: Barossa Valley, Margaret River, Hunter Valley.
• Arts & Culture Hubs: Hobart, Melbourne, Blue Mountains.

Questions to Consider:

• Will I be close to family, friends, or a supportive community?
• Are there social clubs, hobby groups, or volunteering opportunities nearby?
• How easy is it to stay active, meet new people, and enjoy daily life?

💡 Tip: Look into local senior groups, U3A courses, and community events to stay socially connected!

5. How Convenient Is Transport & Essential Services?

Even if you drive now, will you always want to? Having reliable transport and easy access to everyday essentials can make a huge difference in your quality of life. A well-connected area means you can remain independent for longer.

Cities With the Best Transport & Amenities:

• Sydney & Melbourne – Extensive public transport networks with buses, trains, and trams.
• Brisbane & Perth – A good balance of affordability and accessibility, with growing public transport systems.
• Regional NSW & QLD – Less traffic and a slower pace, but fewer public transport options.

Things to Consider Before Moving:

• How easy is it to reach shops, doctors, and social events?
• Is there public transport or a community shuttle service available?
• Can I walk to essential places, or will I always need to drive?

💡 Tip: Many areas offer senior transport concessions and ride-share discounts. Look into local community transport services to ensure you can stay mobile and independent.

🔗 Further Reading: Transport Concessions for Seniors in Australia

6. Is the Area Safe & Future-Proofed for Aging?

Your retirement location should feel safe, comfortable, and practical for the years ahead. Whether you’re living independently or considering a retirement village, security and accessibility are key factors.

Safety Considerations:

• Low Crime Rates & Community Support – Does the area have an active, friendly community?
• Home Accessibility – Will your home still suit your needs as you get older? Look for single-level homes, minimal stairs, and easy entry points.
• Natural Disaster Risks – Are you moving to an area prone to bushfires, floods, or cyclones?

💡 Tip:Retirement villages often provide added security, on-site maintenance, and community activities, making them an excellent option for long-term peace of mind.

🔗 Further Reading: Guide to Retirement Living Options in Australia

Personal Stories: Learning from Others

Jean’s Journey to Queensland

Jean, a retired teacher from Sydney, decided to move north to enjoy Queensland’s warmer weather. At first, she was drawn in by the climate, but she found so much more.

“I discovered an amazing community, and I love how easy it is to get around. The pensioner discounts help keep costs low, and I’ve joined a book club and a gardening group. I feel more active and engaged than ever.”

Making Your Retirement Move Stress-Free

At Claymore Thistle, we know that moving in retirement isn’t just about relocating belongings—it’s about creating a home that makes you feel safe, connected, and secure for the future. Whether you’re downsizing, moving closer to family, or starting fresh in a new community, we’re here to help.

📞 Call us on 1300 56 69 70
🌐 Set up a free, no-obligation chat with us here