These are the 10 cities and towns that made the cut, in no particular order.

The area offers abundant outdoor recreation, including boating, fishing, and swimming on the Shenango River Lake.

Mercer Countys 11 hospitals and 276 health care establishments provide accessible medical care.

A colorful illustration referencing retirement themes

Founded in 1804, Johnstown is the largest city in Cambria County, with a population of 17,809.

It is situated about 80 miles from Pittsburgh International Airport.

The median home value in the county is $115,900.

An aerial view of a blue hole in New Mexico

Residents have access to six area hospitals and 266 health care establishments.

Withdrawals from pre-tax accounts are not taxable in Pennsylvania, potentially a significant saving for state residents.

Outdoor activities are plentiful, and Canoe Creek State Park provides opportunities for boating, fishing, and hiking.

A sailbaot off the coast of a Michigan city

Altoona is about a 2.5-hour drive from Pittsburgh International Airport.

Affordable real estate is available in the Blair County area, with a median home value of $156,700.

With 12 area hospitals and 293 health care establishments, residents have convenient access to medical care as well.

A woman looks at a painted bison sculpture in Great Falls, Montana

Like everywhere in Pennsylvania, withdrawals from pre-tax accounts are not subject to state tax.

Today, visitors can enjoy the canal for boating, kayaking, and scenic cruising.

A bike path, part of the 750-mile Empire State Trail, follows much of its route.

A pink and blue sky over the city of Pittsfield, Massachusetts

(Fun fact: New York Citys Madison Square Garden was modeled after the Auditorium.)

The median home value is $171,100.

Health care is provided through the countys 14 hospitals and 379 health care establishments.

A man in a kayak, wearing a hat, paddles through a blackwater swamp in the American south

And while Social Security income is not taxable, withdrawals from pre-tax accounts are partially taxed.

The Endicott History and Heritage Center tells the stories of those companies with photos and artifacts.

Less than eight miles from Union, Binghamton University provides athletic and cultural events as well as continuing-education opportunities.

A pink and blue sky over the city of Pittsfield, Massachusetts

Pittsfield, in western Massachusetts, is the largest city in Berkshire County.Credit:iStockphoto/Getty Images

The Bundy Museum of History & Art and the Roberson Museum and Science Center are found in Binghamton.

Ross Park Zoo and Cider Mill Stage are both nearby.

For hiking, waterfalls, forests, and natural beauty, IBM Glen provides 200 acres of outdoor activities.

Buhl Timblin Casino located on Lake Julia.

The Buhl Timblin Casino at Buhl Park Farm, located on Lake Julia in Hermitage, Pennsylvania.Courtesy of Visit PA

Today, the city has a population of 53,821.

The median county home value is $145,100.

Billed as The City of Firsts, its the birthplace of basketball and of Theodor Geisel (a.k.a.

An aerial view of Johnstown Pennsylvania

Johnstown, Pennsylvania, seen from above.William Sherman/iStockphoto/Getty Images

The state of Massachusetts does not tax Social Security income, but withdrawals from pre-tax accounts are taxable.

MGM Springfield has a casino, a cinema, concert venues, restaurants, and a hotel.

Recreational boating is available at Riverfront Park, too.

A funicular car

A funicular car at the Horseshoe Curve National Historic Landmark in Altoona, Pennsylvania.John M. Chase/Getty Images

The median home value in Carroll County is $348,900, the highest on this list.

The county has two hospitals and 82 health care establishments.

(The countys median home value is $205,600.)

A clock on a street in Utica, New York

Utica, a city in New York state’s Mohawk Valley.iStockphoto/Getty Images

Three hospitals and 248 health care organizations serve its residents.

In addition, parks and recreational areas offer golf courses, soccer fields, and walking paths.

Rowan College provides continuing-education opportunities as well as a performing-arts center.

A forest path in early autumn

The city of Union, New York, offers easy access to outdoor activities, including hikes in nearby IBM Glen.Jonathan William Cohen/iStockphoto/Getty Images

New Jersey taxes withdrawals from pre-tax accounts, but Social Security income is not taxable.

With a population of 44,769, Concord is a major city in Merrimack County.

Residents enjoy convenient access to health care with 40 hospitals and 252 medical establishments in the county.

Interior of a hotel and casino in Massachusetts

MGM Springfield in Springfield, Massachusetts.Courtesy of MGM Springfield Casino and Hotel

The median home value in the county is $330,600.

New Hampshire does not tax Social Security income or withdrawals from pre-tax accounts.

Many of the citys homes and buildings are listed on the National Register of Historic Places.

A covered bridge with autumnal trees

A covered bridge spans the Saco River in Conway, New Hampshire.Getty Images

Two lakesOnota and Pontoosucare also popular for outdoor activities.

With a population of 42,771, Pittsfield is the largest city in Berkshire County.

Health care is available through five hospitals and 231 medical establishments.

aerial view of Vineland, NJ

Vineland, New Jerset at sunset.Nick Vendetta/Adobe Stock

The median home value in the county is $283,800.

The state of Massachusetts does not tax Social Security income, but withdrawals from pre-tax accounts are taxable.

Aerial view of Concord, New Hampshire

The New Hampshire State House, in the city of Concord.iStockphoto/Getty Images

Interior of the Colonial Theatre in Massachusetts

Inside the Colonial Theatre, in Pittsfield, Massachusetts.Courtesy of Massachusetts Office of Travel & Tourism