Retirement means different things to different people. For some, it’s golfing three times a week. For others, it’s long walks near the lake, fewer snow shovels, more family dinners, and finally having time to slow down. No matter what your version of retirement looks like, Michigan is quietly becoming one of the most underrated states to retire in — especially if you’re considering Metro Detroit and the surrounding suburbs.

Michigan offers something many popular retirement states don’t anymore: livable home prices, strong healthcare systems, established communities, and real value without sacrificing quality of life. Retirement isn’t the end of the story — it’s a new chapter. And Michigan gives you room to write it your way.

Before we dive in, a quick disclaimer: I am not a financial advisor, tax professional, or insurance agent. This information is based on real estate trends, publicly available data, and local community insight. Always consult licensed professionals when making financial, tax, insurance, or retirement planning decisions.

Now let’s get into some of the best places to retire in Michigan, with a focus on lifestyle, walkability, healthcare access, housing options, and overall livability — not salesy “retirement brochures.”

Rochester & Rochester Hills, Michigan

Rochester is one of the most well-rounded retirement-friendly cities in Metro Detroit. It offers a walkable downtown, charming local shops, restaurants, seasonal events, and direct access to trails like the Paint Creek Trail and Clinton River Trail. It’s active without being overwhelming.

Median home prices in Rochester generally sit around the mid-$400,000s, but condos, townhomes, and smaller single-level homes can often be found at lower price points. One of the biggest advantages is healthcare access, with Corewell Health (formerly Beaumont) and Ascension hospitals nearby.

Rochester Hills sits just outside the downtown core and offers slightly larger lots, newer subdivisions, and a quieter feel — while still keeping you close to amenities. It’s a strong option for retirees who want space, trail access, and newer ranch-style housing without feeling isolated.

Plymouth, Michigan

Plymouth consistently ranks as one of the most charming small towns in Southeast Michigan. The downtown is highly walkable, filled with coffee shops, local restaurants, arts venues, and year-round events like Art in the Park and Music in the Air.

Home prices tend to be higher than some neighboring areas, typically ranging from the high $400,000s into the $500,000s, but condos and lower-maintenance options are available. Healthcare access is excellent, with Trinity Health and St. Mary Mercy Hospital close by. Plymouth is especially appealing for retirees who want community, culture, and walkability all in one place.

Northville, Michigan

Northville offers historic charm, tree-lined streets, and a slower-paced downtown that feels straight out of a postcard. It’s ideal for retirees who value character, well-maintained neighborhoods, and access to parks like Hines Park for walking and biking.

There are several low-maintenance housing options and active adult-style communities nearby, along with strong city programming through parks and recreation departments. Median home prices typically sit in the low $500,000s, but attached homes and condos can provide more affordable entry points.

South Lyon & Lyon Township, Michigan

For retirees prioritizing affordability, newer homes, and access to nature, South Lyon and Lyon Township are standout options. These areas offer ranch-style new construction, quieter neighborhoods, and lower overall housing costs compared to inner-ring suburbs.

You’re close to Kensington Metropark, Island Lake Recreation Area, and healthcare systems like Trinity Health and Ascension. Cost of living here is often 10–15% lower than places like Birmingham or Royal Oak, making it appealing for retirees focused on stretching retirement income without sacrificing lifestyle.

Royal Oak, Michigan

Royal Oak is a great fit for retirees who don’t want to slow down. It offers one of the most walkable downtowns in Metro Detroit, a vibrant dining and entertainment scene, proximity to the Detroit Zoo, and easy access to healthcare.

Home prices and property taxes are higher, with many single-family homes ranging from $400,000 to $650,000, but condos near downtown often offer more affordable, low-maintenance options. Royal Oak also has strong senior transportation programs and community services that support aging in place.

Novi, Michigan

Novi isn’t traditionally thought of as a retirement destination, but it checks a lot of important boxes. It offers newer housing stock, modern layouts, excellent shopping access, healthcare facilities, and well-planned neighborhoods.

Home prices typically range from the low $400,000s to $500,000s, with nearby areas like Wixom and Walled Lake offering more affordable alternatives. Novi also provides strong senior transportation services, making it easier to stay active and connected without relying solely on driving.

Milford, Michigan

Milford delivers a relaxed lake-town feel with strong walkability, access to trails and parks, and a vibrant downtown without the price tag of some Oakland County cities. The median home price is often in the mid-$300,000s, making it one of the better value retirement options.

With year-round events, proximity to state parks, and a strong sense of community, Milford appeals to retirees who want a quieter pace without feeling disconnected.

Taxes, Cost of Living, and Healthcare in Michigan

Michigan offers several retirement-friendly financial advantages. Social Security benefits are not taxed, and many forms of retirement income — including pensions and certain retirement accounts — are partially or fully exempt depending on age and year of birth.

Property taxes vary by location, but in many Metro Detroit suburbs, millage rates range between 28 and 40 mills. That typically translates to annual property taxes of roughly $3,500 to $7,500 on homes priced between $350,000 and $450,000.

Healthcare access is one of Michigan’s biggest strengths. Corewell Health, Trinity Health, Henry Ford Health, Ascension, and McLaren all serve Metro Detroit and surrounding areas, meaning most retirees are within 15–25 minutes of a major hospital or specialty provider.

For snowbirds, Michigan works especially well in condo communities and neighborhoods where lawn care and snow removal are handled — allowing you to leave for the winter without worrying about your home.

Is Michigan a Good State to Retire In?

If you’re looking for affordability, strong healthcare access, four seasons, and communities that still feel authentic, Michigan is absolutely worth serious consideration. You may not get palm trees, but you get space, value, and stability — and for many retirees, that matters more.

Whether your retirement includes kayaking, concerts, volunteering, walking trails, or simply being closer to family, Michigan offers flexibility without forcing you into a “one-size-fits-all” retirement mold.

Michigan Government Resources for Retirees (Official Sources)

Below is a curated list of credible Michigan government resources to help with retirement planning, healthcare, taxes, and senior services. These are excellent references to bookmark and review as you plan your next chapter.

Michigan Department of Treasury – Retirement & Pension Tax Information
https://www.michigan.gov/taxes/individual-income-tax/retirement-and-pension-benefits

Michigan Social Security Tax Information
https://www.michigan.gov/taxes/retirement

Michigan Department of Health & Human Services – Aging Services
https://www.michigan.gov/mdhhs/assistance-programs/aging-services

Michigan Office of Services to the Aging (OSA)
https://www.michigan.gov/osa

Area Agencies on Aging (AAA) – Find Local Senior Resources
https://www.michigan.gov/osa/area-agencies-on-aging

MI Choice Waiver Program (Long-Term Care Alternatives)
https://www.michigan.gov/mdhhs/assistance-programs/medicaid/mi-choice

Medicare Assistance Program (MMAP – Michigan Medicare/Medicaid Assistance)
https://mmapinc.org

Michigan Senior Property Tax Relief (Homestead Credit)
https://www.michigan.gov/taxes/property/homestead-property-tax-credit

Michigan Long-Term Care Ombudsman Program
https://www.michigan.gov/osa/long-term-care-ombudsman

Michigan Legal Help – Estate Planning & Senior Legal Topics
https://michiganlegalhelp.org

If you’re thinking about retiring to, from, or within Michigan, I help people navigate that transition every day and would be happy to be a resource for you. And if you want ongoing insights on living in Michigan — from housing and taxes to lifestyle and relocation tips — you can subscribe to the Living in Michigan newsletter anytime.

So now I’ll ask you — where are you thinking about retiring in Michigan?
Have you looked at any of these areas, or are there others on your radar?