5. Sun City, Arizona—Best 55+ Active Adult Community

Sun City, Arizona is one of America’s most iconic planned retirement communities and remains hugely desirable in 2026. Designed exclusively for active adults aged 55 and older, Sun City offers exceptionally low property taxes, affordable HOA fees, and a vast array of recreational facilities.

Residents benefit from Arizona’s Social Security tax exemption and access to extensive Medicare provider networks. The community’s infrastructure—from golf courses to fitness centers and arts facilities—is tailored specifically to senior needs.

Financial planning resources are plentiful, and the proximity to Phoenix provides access to major healthcare systems and specialist care. Sun City is a prime example of the benefits of planned retirement communities, offering predictable retirement expenses, strong community ties, and a lifestyle purpose-built for retirees.

For those modeling retirement income scenarios, Sun City’s low overhead makes it easier to stretch retirement savings over a longer horizon.