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Forbes.com recently put out an article about the 25 best places to retire in 2012. The trend is still towards warmer climates, which makes Florida, New Mexico and Arizona prime locations for retirees.

Many different factors go into considering a retirement city. Besides the usual financial factors that must be considered, retirees are concerned with weather, availability of doctors, serious crime rates and activity during retirement. Forbes.com considered evaluations by Bicycling Magazine and volunteeringinamerica.org for this portion of the results list. Furthermore, consideration was taken that more and more retirees are working, at least initially. So account was taken for both unemployment rates and rankings of job and economic growth compiled by the Milken Institute. And, the tax issue was the most difficult to evaluate. As you might know, a lower tax burden might mean a lower level of services for retirees. Nine states do not have a state income tax: Alaska, Florida, Nevada, New Hampshire, South Dakota, Texas, Tennessee, Washington and Wyoming. However, before you thing about packing & leaving, remember that such states tend to have other taxes that are higher ( like sales tax and property tax).

So, based on these determining factors, here are the most desirable places to retire in 2012:

City Pros Cons
1. Albuquerque, New Mexico Terrific weather, good air quality, low taxes, lot of doctors, below average cost of living, average home price $163,000, active-lifestyle encouragements Crime, high unemployment
2. Alexandria, Louisiana Warm climate and good air quality, solid economy, good tax situation, average home price $148,000 Crime
3. Asheville, North Carolina Good climate, abundant doctors, moderate cost of loving, average home price $198,000 Unemployment Rate
4. Atlanta, Georgia Favorable climate, low cost of living, average home price just $96,000; good tax situation, big volunteer mindset Crime,below average air quality
5. Austin, Texas Growing economy, no state income tax, below average cost of living, average home price $188,000, good weather, outdoor exercise culture Average air quality
6. Bloomington, Indiana Good economic record, average cost of living, average home price $144,000, low crime Cold winters
7. Boise, Idaho Low crime, low cost of living, average home price $118,000, above-average air quality, attractive semi-arid climate Poor economy
8. Cape Coral, Florida Good weather, no state income tax, low cost of living, average home price $108,000, good air quality Bad economy
9. Columbia, Missouri Growing economy, low living costs, average home price $152,000, many doctors per capita Cold winters
10. Columbia, South Carolina Below average cost of living, typical home price $141,000, favorable state tax climate, good weather Poor economy, high crime rate
11. Corpus Christi, Texas Growing economy, low cost of living, average home price $136,000, good weather Crime
12. Fargo, North Dakota Solid economy, low cost of living, average home price $154,000, active-lifestyle encouragements, low crime rate Cold Winters
13. Fort Myers, Florida Good weather, above average air quality, cheap living, average home price $119,000 Poor economy
14. Huntsville, Alabama Good economy, favorable tax climate, low cost of living, average home price $170,000, warm climate Air quality only average
15. Knoxville, Tennessee Good economy, low living costs, average home price $137,000, good medical staffing High Crime
16. Las Cruces, New Mexico Good climate and air quality, good tax climate, below average cost of living, average home price $116,000, low crime Few doctors per capita
17. Lynchburg, Virginia Good economy, cost of living 6% below nation, average home price $134,000, good air quality, low crime So-so tax climate
18. Pensacola, Florida Good weather and air quality, average home price $134,000, living costs mirror nation, above-average doctors per capita Hurricane exposure, high crime
19. Phoenix, Arizona Good tax environment, low cost of living, average home price $119,000, good weather, high doctors per capita Poor economy
20. Pittsburgh, Pennsylvania Decent economy, below average cost of living, average cost of home $121,000, tax breaks for retirees Cold Winters
21. Salt Lake City, Utah Good economy, cheap living costs, average home price $183,000, Low living costs, low taxes, great mountain scenery, bracing but appealing climate, incentives for active retirement Crime Rate
22. San Antonio, Texas Good economy with no state income tax, low cost of living, average home price $150,000, warm climate, many doctors per capita Crime
23. Savannah, Georgia Low cost of living and favorable tax climate, average home price $137,000, good weather, high number of physicians per capita Sluggish economy
24. Tuscon, Arizona Low cost of living and taxes, average home price $131, good weather, encouragements for active retirement, numerous doctors Poor economy
25. Tulsa, Oklahoma Decent economy and tax climate, low cost of living, average home price $129,000, good metrics for active retirement Crime

Your Safe Money KitFinancial planning for retirement is as important and strategic as planning where you will live during retirement. Don’t forget to download your FREE safe money kit. Then, let’s talk about retirement planning (866) 471-7233. It’s a free consultation.