POST 50
01/12/2016 03:12 pm ET

The 5 Best Places To Retire For People Who Hate The Cold

You'll never have to worry about shoveling snow or bundling up in your winter gear in these destinations.

Sick of shoveling snow, cleaning off your car or bundling up in more layers than you can count? While work may force us to live in places with cold winters, retirement can offer a respite from harsh weather.

Kiplinger, the personal finance experts, have released a list of their 10 favorite retirement locales, places where you can enjoy your golden years in a warmer climate. 

They looked at factors such as the average high and low temps, as well as cost-of-living, tax-friendliness, healthcare costs, and the percent of the population that's of retirement age. Of course, the list includes destinations in Florida and Hawaii, but there are some lesser-known cities that can also offer creature comforts.

Earlier this month, Huff/Post50 published another list of best places to retire -- places that are all overseas. That ranking placed Panama at the top.

For the Kiplinger ranking, check out five of the best places below and head over to Kiplinger to see the full list. 

  • Hot Springs, Arkansas
    Although it might not have sunny beaches, Hot Springs still offers lots of beautiful nature and relaxation opportunities. It'
    Richard Rasmussen via Getty Images
    Although it might not have sunny beaches, Hot Springs still offers lots of beautiful nature and relaxation opportunities. It's home to Hot Springs National Park, where you can pamper yourself with hot baths and soaking pools. 

    It has hot summers and temps in January that dip -- on average -- to a low of about 31 degrees. Around one in five residents is over 65 and you won't break the bank living here, thanks to lower-than-average lifetime healthcare costs and a lower cost-of-living, Kiplinger says.
  • Carlsbad, California
    This southern California coastal city has beautiful temperatures year-round, never really getting too hot or too cold, on ave
    werr117
    This southern California coastal city has beautiful temperatures year-round, never really getting too hot or too cold, on average, Kiplinger says. The cost-of-living is higher than average, as are lifetime healthcare costs, but it's all worth it for someone who wants a laid-back California lifestyle and the ability to frequent the beach.
  • Punta Gorda, Florida
    Of course, no retirement list would be complete without a Florida destination. As expected, it never gets too chilly in Punta
    Photoladybug via Getty Images
    Of course, no retirement list would be complete without a Florida destination. As expected, it never gets too chilly in Punta Gorda, with an average January low temp of 52 degrees, Kiplinger says. Not too shabby. 

    You'll find many other retirees here and you'll also find Florida to be tax-friendly.
  • Hilo, Hawaii
    This dreamy Hawaiian town has beautiful weather pretty much year-round, staying pretty mild, Kiplinger says. The cost-of-livi
    GdeBp via Getty Images
    This dreamy Hawaiian town has beautiful weather pretty much year-round, staying pretty mild, Kiplinger says. The cost-of-living for retirees is substantially higher than the national average, but it's well worth it for anyone looking to experience a rich local culture and breathtaking natural beauty.
  • New Orleans, Louisiana
    The Big Easy is a great option for retirees seeking pleasant temps and tax policies, Kiplinger says. Though it's a larger cit
    John Coletti via Getty Images
    The Big Easy is a great option for retirees seeking pleasant temps and tax policies, Kiplinger says. Though it's a larger city, New Orleans has a lower-than-average cost-of-living and, of course, there's plenty of delicious food, a unique culture and an abundance of year-round entertainment.

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