The 12 Best Cities to Retire in Canada

If you are going to retire soon, you’ll want to find an area that’s affordable, safe, convenient and has plenty of activities you’ll enjoy. With three territories, ten provinces, and 289 cities in Canada, you may feel confused about where to retire. In this article, we will go over the cities that are considered best for hosting retirees.

What Factors Influence Where We Choose to Live?

Generally speaking, where you live after you retire is entirely up to you and your lifestyle. You need to find the place that covers your needs and provides the services you appreciate. Where is the place that suits you in the sense of finance, comfort, and health? What is your ideal location for retirement? Where is the place you can relax and use your free time to explore top hobbies for retirees? If you think about it clearly, it is evident that the best place to retire is different for every individual. However, some general factors make some places and cities in Canada stand out when choosing the best among them for living. Some of the most critical factors you should consider for choosing the perfect home for your retirement are mentioned below:

Cost of Living

Research the housing prices, tax rates, and everyday costs to make sure you can live on your pension in the city of your choice.

Special Services for Retirees

As a retiree, you should consider living in a place that gives you the highest comfort level. It is important to make sure the area you want to live in provides the right services for you.

The Climate

Nobody wants to live in a place freezing in winters or melting in summers. Climate has a significant effect on your health. So you must pay attention to the weather in the area you want to live in.

The Crime Rate and Safety

Living in a place with high crime rates and regular safety violations disturbs your mental health and peace of mind. Retirement is supposed to be the period of your life in which you can relax. And that is not possible if your home is also the home to thieves and gangsters.

Healthcare Services

How many doctors and clinics are in the city? How many hospitals and pharmacies can you find near your house? These are so important when you want to choose your living place because your health is your number one priority as a retiree and a senior.

Best Cities in Canada for Retirees

We have already gone through the state of retirement in Canada and picked the best provinces in Canada for seniors. Now it is time to take a deeper look at the cities where retirees love to live. Each city has a specific chart so you can compare them better.

Notice: The average monthly costs stated in city charts do not include rent. Also, the high average cost does not necessarily mean that the city is expensive to live in. Some major cities like Vancouver may cost less to live in per month. But since it is more expensive to rent a place in major cities, they are more expensive.

Best Cities to Retire in Canada

1. Ottawa, Ontario

In terms of convenience, no city can beat the country’s capital. Ottawa is one of the best places to live, nationally and internationally, since it provides easy access to various activities, sightseeing opportunities, reasonable prices, and a proper health care system. Ottawa is one of the best cities possible for anyone who wants to enjoy a relaxing, safe retirement.

Living Conditions in Ottawa

Monthly living costs for one person Climate Crime Severity Index Healthcare
1,192C$ Cold and temperate Very Low Very Good

Best Cities to Retire in Canada

2. Kingston, Ontario

In 2016, Kingston was ranked the ninth-best city for retired citizens. Kingston is recognized for its abundance of natural and historical attractions and a strong sense of safety all over the entire city, so it is a very attractive place for retirees.

Living Conditions in Kingston

Monthly living costs for one person Climate Crime Severity Index Healthcare
1,112C$ Cold and temperate Low Good

Best Cities to Retire in Canada

3. Collingwood, Ontario

If you enjoy spending your time at the beach or want to enjoy the outdoors, Collingwood is the right place for you. Collingwood is a favourite place for retirees and the general public since it allows you to relax and enjoy the nice weather and the most pleasant sailing waters in all of Canada.

Living Conditions in Collingwood

Monthly living costs for one person Climate Crime Severity Index Healthcare
1,116C$ Cold and temperate Very low Good

Best Cities to Retire in Canada

4. Calgary, Alberta

When you live in Canada, you need to get the most out of the sun since you often don’t see it. Calgary is considered to be the sunniest city in the entire country. It is also one of the cities with the highest quality of life, not only in Canada but in the whole world.

Living Conditions in Calgary

Monthly living costs for one person Climate Crime Severity Index Healthcare
1,190C$ Mild and dry Low Very Good

Best Cities to Retire in Canada

5. Victoria, British Colombia

Low tax rates and the number of doctors per capita make Victoria a perfect destination for retirees. Furthermore, this area has a fantastic climate. Many sources consider Victoria the best city in Canada when it comes to nice weather. Living here is healthier than in many other colder, drier climates due to the benefits of sea air and moderate temperatures.

Living Conditions in Victoria

Monthly living costs for one person Climate Crime Severity Index Healthcare
1,158C$ Temperate Relatively High Good

Best Cities to Retire in Canada

6. Oakville, Ontario

When it comes to picking the perfect place for living, usually the major cities steal all the attention. But the truth is, small cities can be just as appealing to retirees as the major cities. Oakville is a perfect example of this matter since money sense introduced it as one of Canada’s best cities to live in 2018.

Living Conditions in Oakville

Monthly living costs for one person Climate Crime Severity Index Healthcare
1,280C$ Cold and temperate Relatively Low Good

Best Cities to Retire in Canada

7. Quebec City, Quebec

It would be best to be concerned about spending time in Quebec City because most locals speak French. Many of the residents in Quebec City are fluent in both French and English, but if you decide to make a living there, you better start taking your French lessons seriously. Living in an almost bilingual city is a fun experience and can be the perfect excuse for learning a new language as a senior. Many retirees are attracted to this city because of its originality and high quality of life.

Living Conditions in Quebec

Monthly living costs for one person Climate Crime Severity Index Healthcare
1,050C$ Cold and temperate Very low Very Good

Best Cities to Retire in Canada

8. Saguenay, Quebec

The land of the famous Fjord National Park is considered to be a popular home for retirees. Saguenay is a safe and affordable place for seniors. It is obvious from the high life satisfaction rate (77.8%) according to the locals.

Living Conditions in Saguenay

Monthly living costs for one person Climate Crime Severity Index Healthcare
948C$ Cold and temperate Very low Good

Best Cities to Retire in Canada

9. Saint John, New Brunswick

In terms of financial issues, Saint John is one of the best cities you can find. The average costs in a month may seem higher, but the rent and other expenses are relatively low. So In 2020, it was ranked as the sixth most affordable city in the world. Overall, Saint John is gaining increasing popularity in recent years. Naturally, retirees are starting to find this place more and more attractive.

Living Conditions in Saint John

Monthly living costs for one person Climate Crime Severity Index Healthcare
1,233C$ Cold and temperate Average Good

Best Cities to Retire in Canada

10. Vancouver, British Colombia

Vancouver is the largest city in Canada. It is also one of the, if not the most, expensive cities. In terms of safety, it also appears weaker than other cities. However, it is still considered one of the best cities for senior Canadian citizens since it is famous for its low tax property rate and the high number of doctors. Vancouver is also one of the warmest cities in Canada.

Living Conditions in Vancouver

Monthly living costs for one person Climate Crime Severity Index Healthcare
1,147C$ Warm and temperate Relatively high Very Good

Best Cities to Retire in Canada

11. Saskatoon, Saskatchewan

Over 72 percent of the residents in Saskatoon are satisfied with their lives. Although this city is famous for its college life, it also provides a joyful environment for retired people. There are many reasons Canadians retire to Saskatoon, including the low tax rates, the historical and natural attractions.

Living Conditions in Saskatoon

Monthly living costs for one person Climate Crime Severity Index Healthcare
1,181C$ Cold and temperate Relatively high Good

Best Cities to Retire in Canada

12. Halifax, Nova Scotia

Halifax is a relaxing destination for retirees. And although the monthly living costs may not seem very different than other cities, including rent and other expenses, Halifax is considered one of the affordable cities in Canada. Also, the climate is suitable for retirees and seniors since it is not too hot in summers and not too cold in winters. However, it might not be the safest city in Canada. But overall, the natural environment and friendly locals make Halifax an excellent place for spending retirement.

Living Conditions in Halifax

Monthly living costs for one person Climate Crime Severity Index Healthcare
1,190C$ Cold and temperate Relatively Low Good

Conclusion

Regarding Canada’s programs and services for seniors, this country is generally considered an excellent place to retire. Many surveys show that senior retirees of Canada highly appreciate their safety and the quality of their local environment. It means most retirees are satisfied with the quality of their lives, especially in the cities we named in this article. In conclusion, where you live is directly related to making old age happy and healthy. Therefore, it is essential to pay attention to all the details and choose wisely.

Are you retired? Where is your perfect place in Canada for spending your retirement? Tell us in the comments.

Source Comfort life U.S.News Costs
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Daniels
Daniels
2 months ago

I lived in Collingwood for six years. Such a wonderful and peaceful city. That’s the city that made me fall in love with bike riding! 

Graham
Graham
Reply to  Daniels
24 days ago

My brother lives there; he always brags about that! He insists I should move there, and reading your comment makes me think, maybe I should!

Joseph
Joseph
2 months ago

Oh, I would love to try out spending my retirement in another place. I’m 58, and I’ve been in one place my whole life. I was born in Windsor and have never visited any other place. Moving away sounds like a charming plan to me.

George
George
Reply to  Joseph
18 days ago

I wish I would feel the same. But I think at that point I will be too tired to do anything. Even something as simple as gardening or going fishing sound exhausting to me at the age of retirement. Let alone travelling and moving to another city.

Reba
Reba
2 months ago

All of these cities seem so dreamy to me. I wish I could retire sooner and go visit them one by one. Of course, I don’t think I could afford to do that even if I was free. Thinking about it makes me sad and hopeless.

Meredith
Meredith
Reply to  Reba
25 days ago

Same. To be honest, if money was not the problem, I would have travelled to all these places. I don’t care about living there or spending my retirement. I just want to visit these cities only once in my life.

Dawn
Dawn
1 month ago

I would love to move to Halifax. But I’ve also heard that it is not a very safe city and the crime rate is high over there; why is that?

Del
Del
1 month ago

Calgary? The covid capital of Canada! Greta healthcare?

Anthony
Anthony
1 month ago

I love Kingstone. I moved to Kingstone around two years ago. Before moving to Kingstone, I lived in London. London was a crowded and busy city. Due to many vehicles and factories, we didn’t have clean air in that city. but in Kingstone, we always have clear and pleasant weather. Of course, it’s too cold than London, but I prefer to live in the city without air pollution. I strongly suggest this city to other seniors. 

James
James
1 month ago

Anyone here lives in Quebec? my wife and I have decided to move, and Quebec is one of our potential destinations. The fact that I can finally learn to speak french is tempting! How are the restaurants and gyms there? What about other public services?

bob
bob
1 day ago

It was a pretty informative article. I’m 45, and I think I will be retired in the next 5 years. This article extended my horizon.