Choosing the perfect Place to Retire in Australia is a daunting task, fraught with numerous challenges. Australia’s diversity extends to its retirement-friendly suburbs, where each location offers a distinct lifestyle tailored to different preferences. Picking the wrong suburb can lead to loneliness, limited social outings, financial pressure, and limited access to medical and essential services, ultimately impacting the quality of your retirement years.
Through meticulous research, I’ve evaluated numerous suburbs across Australia, based on ten critical criteria, essential for retirees, including healthcare access, cost of living, climate, and community engagement.
Here are my Top 10 Suburbs to Retire in 2024.
10. Bunbury, WA – Total Score: 74/100

Bunbury offers a blend of coastal charm and community spirit but falls short in public transport and healthcare access.
Scoring Criteria:
- Healthcare: 6/10
- Cost of Living: 7/10
- Climate: 8/10
- Safety: 7/10
- Leisure Activities: 9/10
- Community Engagement: 8/10
- Shopping and Dining: 7/10
- Public Transport: 5/10
- Natural Beauty: 9/10
- Access to Services: 8/10
Bunbury, located on the stunning Western Australian coastline, boasts a rich array of leisure activities and a welcoming community. The climate here is pleasantly Mediterranean, with warm summers and mild winters. The cost of living remains relatively affordable compared to major cities, allowing retirees to stretch their savings further. Community engagement is high, with numerous clubs and volunteer opportunities fostering a sense of belonging.
However, healthcare services are somewhat limited in Bunbury, requiring trips to Perth for specialist treatments. Public transport options are sparse, necessitating the use of personal vehicles for most errands. Despite these drawbacks, the natural beauty and vibrant leisure scene make Bunbury an attractive option for those seeking an active retirement.
In summary, Bunbury is ideal for retirees who value community and outdoor activities but are comfortable with occasional trips to larger cities for specialised service.
9. Victor Harbor, SA – Total Score: 76/100

Victor Harbor is known for its scenic beauty and relaxed lifestyle but has issues with access to advanced healthcare and shopping options.
Scoring Criteria:
- Healthcare: 5/10
- Cost of Living: 8/10
- Climate: 9/10
- Safety: 8/10
- Leisure Activities: 9/10
- Community Engagement: 8/10
- Shopping and Dining: 6/10
- Public Transport: 6/10
- Natural Beauty: 9/10
- Access to Services: 8/10
Victor Harbor, nestled along South Australia’s Fleurieu Peninsula, offers retirees a serene environment with breathtaking coastal views. The cost of living is reasonable, and the climate is temperate, making it perfect for outdoor activities. The town is renowned for its whale watching and coastal trails, providing ample leisure options.
However, advanced healthcare facilities are limited in Victor Harbor, with the need for travel to Adelaide for more complex medical care. Shopping and dining options, while charming, are less varied compared to urban centres. Despite these limitations, the safety and community spirit make Victor Harbor a haven for those seeking a tranquil and picturesque retirement.
Victor Harbor is best suited for retirees who prioritise natural beauty and a laid-back lifestyle but can manage with limited local healthcare and shopping amenities.
8. Ballarat, VIC – Total Score: 77/100

Ballarat combines rich history with modern conveniences, though it struggles with cold winters and some traffic congestion.
Scoring Criteria:
- Healthcare: 8/10
- Cost of Living: 7/10
- Climate: 6/10
- Safety: 8/10
- Leisure Activities: 9/10
- Community Engagement: 8/10
- Shopping and Dining: 8/10
- Public Transport: 7/10
- Natural Beauty: 8/10
- Access to Services: 8/10
Ballarat, a historic city in Victoria, offers a rich cultural heritage along with modern amenities. The city is home to excellent healthcare facilities and a vibrant arts scene. The cost of living is moderate, and community engagement is robust, with numerous social clubs and events.
However, Ballarat experiences colder winters, which might not appeal to everyone. Traffic congestion can be an issue during peak hours, detracting from the otherwise pleasant living conditions. The city’s rich history and access to services make it a well-rounded choice for retirees who enjoy cultural pursuits.
Ballarat is ideal for those who appreciate historical charm and vibrant community activities but can tolerate cooler climates and occasional traffic.
7. Port Macquarie, NSW – Total Score: 79/100

Port Macquarie offers excellent weather and healthcare but is slightly expensive and has limited public transport.
Scoring Criteria:
- Healthcare: 9/10
- Cost of Living: 6/10
- Climate: 9/10
- Safety: 8/10
- Leisure Activities: 9/10
- Community Engagement: 8/10
- Shopping and Dining: 8/10
- Public Transport: 6/10
- Natural Beauty: 9/10
- Access to Services: 7/10
Port Macquarie, situated on New South Wales’ mid-north coast, is known for its excellent climate and healthcare facilities. The town offers a plethora of leisure activities, from beaches to national parks, ensuring a vibrant lifestyle for retirees. The community is active and welcoming, providing ample opportunities for social engagement.
Despite these positives, the cost of living is relatively high, and public transport options are limited in Port Macquarie, making it necessary to rely on personal vehicles. Nevertheless, the town’s safety and natural beauty make it a compelling choice for those who prioritise health and outdoor activities.
Port Macquarie suits retirees who can afford a higher cost of living and prefer a warm climate with access to top-notch healthcare.
6. Hobart, TAS – Total Score: 81/100

Hobart provides a blend of cultural richness and natural beauty but has a higher cost of living and cooler weather.
Scoring Criteria:
- Healthcare: 8/10
- Cost of Living: 6/10
- Climate: 7/10
- Safety: 9/10
- Leisure Activities: 9/10
- Community Engagement: 9/10
- Shopping and Dining: 8/10
- Public Transport: 7/10
- Natural Beauty: 9/10
- Access to Services: 9/10
Hobart, Tasmania’s capital, is renowned for its cultural vibrancy and stunning natural surroundings. The city offers excellent healthcare and a strong sense of community, with numerous festivals and social clubs. The safety of the city and its rich leisure options make it a standout choice for retirees.
However, the cost of living is on the higher side in Hobart, and the climate can be cooler compared to mainland Australia. These factors might deter those seeking a more budget-friendly and warmer retirement destination. Nonetheless, Hobart’s cultural and natural attractions make it a desirable option for those who appreciate an active and engaged lifestyle.
Hobart is perfect for retirees who value cultural activities and natural beauty, and who can handle a higher cost of living and cooler temperatures.
5. Bendigo, VIC – Total Score: 83/100

Bendigo offers affordability and a rich cultural scene but faces issues with public transport and healthcare availability.
Scoring Criteria:
- Healthcare: 7/10
- Cost of Living: 9/10
- Climate: 8/10
- Safety: 9/10
- Leisure Activities: 9/10
- Community Engagement: 9/10
- Shopping and Dining: 8/10
- Public Transport: 6/10
- Natural Beauty: 9/10
- Access to Services: 9/10
Bendigo, a historic city in Victoria, combines affordability with a rich cultural heritage. The cost of living is relatively low, and the city boasts a vibrant arts and leisure scene. Community engagement is high, with many local events and social opportunities.
However, public transport is less comprehensive, and healthcare services in Bendigo, while good, may require travel for specialised care. The city’s safety and accessibility to essential services make it a practical and appealing choice for many retirees.
Bendigo is well-suited for those who appreciate cultural activities and affordability but are prepared to navigate limited public transport options.
4. Sunshine Coast, QLD – Total Score: 85/100

The Sunshine Coast excels in climate and leisure activities but has a higher cost of living and traffic issues.
Scoring Criteria:
- Healthcare: 8/10
- Cost of Living: 7/10
- Climate: 9/10
- Safety: 8/10
- Leisure Activities: 10/10
- Community Engagement: 8/10
- Shopping and Dining: 9/10
- Public Transport: 7/10
- Natural Beauty: 10/10
- Access to Services: 9/10
The Sunshine Coast in Queensland offers a perfect blend of stunning beaches, excellent climate, and abundant leisure activities. The region is a haven for outdoor enthusiasts, with endless options for water sports, hiking, and relaxation. Healthcare facilities are good, and the area is generally safe.
On the downside, the cost of living is higher, and traffic congestion can be a problem during peak times. Despite these challenges, the natural beauty and active lifestyle make the Sunshine Coast a top contender for retirees.
The Sunshine Coast is ideal for those who love the beach and outdoor activities and can manage a higher cost of living and occasional traffic.
3. Launceston, TAS – Total Score: 86/100

Launceston combines affordability and natural beauty but has limited public transport and colder winters.
Scoring Criteria:
- Healthcare: 9/10
- Cost of Living: 8/10
- Climate: 7/10
- Safety: 9/10
- Leisure Activities: 9/10
- Community Engagement: 9/10
- Shopping and Dining: 8/10
- Public Transport: 7/10
- Natural Beauty: 10/10
- Access to Services: 10/10
Launceston, Tasmania’s second-largest city, offers an affordable cost of living and stunning natural landscapes. The city’s rich heritage and active community engagement make it a vibrant place to live. Healthcare services are comprehensive, and the city is very safe.
However, Launceston has colder winters and less developed public transport infrastructure. Despite these drawbacks, the city’s affordability and access to services make it an attractive retirement destination.
Launceston is best for retirees who value affordability and natural beauty but can handle colder weather and limited public transport.
2. Newcastle, NSW – Total Score: 87/100

Newcastle excels in healthcare and community engagement but has a higher cost of living and traffic issues.
Scoring Criteria:
- Healthcare: 10/10
- Cost of Living: 7/10
- Climate: 8/10
- Safety: 9/10
- Leisure Activities: 9/10
- Community Engagement: 9/10
- Shopping and Dining: 9/10
- Public Transport: 7/10
- Natural Beauty: 9/10
- Access to Services: 10/10
Newcastle, a bustling city in New South Wales, offers top-notch healthcare and a vibrant community. The climate is temperate, and the city is known for its beautiful beaches and parks. Community engagement is high, with numerous clubs and events fostering a strong sense of belonging.
However, the cost of living is relatively high, and traffic congestion can be an issue. Despite these challenges, Newcastle’s excellent healthcare and active lifestyle make it a prime choice for retirees.
Newcastle is ideal for those who value excellent healthcare and community engagement but can manage a higher cost of living and occasional traffic issues.
1. Gold Coast, QLD – Total Score: 88/100

The Gold Coast offers a perfect mix of climate, leisure, and healthcare but faces higher costs of living and traffic congestion.
Scoring Criteria:
- Healthcare: 9/10
- Cost of Living: 7/10
- Climate: 9/10
- Safety: 8/10
- Leisure Activities: 10/10
- Community Engagement: 9/10
- Shopping and Dining: 9/10
- Public Transport: 7/10
- Natural Beauty: 10/10
- Access to Services: 10/10
The Gold Coast, a renowned city in Queensland, tops the list with its superb climate, abundant leisure activities, and excellent healthcare services. The city’s beaches, parks, and entertainment options are unparalleled, making it a haven for active retirees. Community engagement is strong, with numerous social opportunities.
However, the cost of living is higher, and traffic congestion can be a significant issue during peak times. Despite these drawbacks, the Gold Coast’s overall amenities and lifestyle make it the best place to retire in Australia.
The Gold Coast is perfect for those who love an active lifestyle with plenty of leisure options and can handle a higher cost of living and traffic challenges.
How I Scored Each Suburb
Healthcare
Healthcare refers to the availability and quality of medical facilities and services in the suburb. This metric is crucial because access to reliable healthcare is essential for retirees, who often have increased medical needs.
- A suburb scoring 1 on this criterion might have limited healthcare services, requiring significant travel to access even basic medical care. Eg: Cobar, in NSW.
- A suburb scoring 10 would have numerous high-quality medical facilities, including hospitals, clinics, and specialist services readily available. Eg: Toowoomba, in QLD.
Cost of Living
Cost of Living measures how affordable it is to live in a suburb, considering factors such as housing, groceries, and utilities. This is important for retirees who often live on a fixed income.
- A suburb scoring 1 would have a very high cost of living, making it difficult for retirees to afford a comfortable lifestyle. Eg: is Mosman, in NSW.
- A suburb scoring 10 would be very affordable, with low costs for housing, groceries, and other necessities. Eg: Armidale, in NSW
Climate
Climate assesses the weather patterns of a suburb, including temperature, rainfall, and overall comfort. Retirees often prefer milder climates that allow for outdoor activities year-round.
- A suburb scoring 1 might have extreme weather conditions, such as very high temperatures in summer and very cold winters. Eg: Broken Hill, in NSW.
- A suburb scoring 10 would have a mild, pleasant climate with minimal extreme weather. Eg: Coffs Harbour, in NSW.
Safety
Safety refers to the crime rates and general sense of security in a suburb. It’s crucial for retirees to feel safe and secure in their community.
- A suburb scoring 1 would have high crime rates and might feel unsafe for residents. Eg: Elizabeth, in SA.
- A suburb scoring 10 would have very low crime rates and a strong sense of community safety. Eg: Yass, in NSW.
Leisure Activities
Leisure Activities encompass the availability of recreational options such as parks, clubs, sports facilities, and cultural events. These are important for maintaining an active and enjoyable retirement.
- A suburb scoring 1 might have very few recreational options, leading to limited social and physical activities. Eg: Collarenebri, in NSW.
- A suburb scoring 10 would offer a wide range of leisure activities, from sports to arts and cultural events. Eg: Byron Bay, in NSW.
Community Engagement
Community Engagement measures how connected and active the local community is, including opportunities for volunteering, clubs, and social gatherings. A strong sense of community is beneficial for retirees’ mental and social well-being.
- A suburb scoring 1 would have low community engagement, with few opportunities for social interaction. Eg: Morwell, in VIC.
- A suburb scoring 10 would have a high level of community engagement, with numerous clubs, events, and volunteer opportunities. Eg: Daylesford, in VIC.
Shopping and Dining
Shopping and Dining assess the availability and variety of shops, restaurants, and cafes in the suburb. Access to diverse shopping and dining options contributes to a convenient and enjoyable lifestyle.
- A suburb scoring 1 might have very limited shopping and dining options, requiring travel to nearby towns for basic needs. Eg: Tibooburra, in NSW.
- A suburb scoring 10 would have a wide variety of shops, restaurants, and cafes, catering to different tastes and needs. Eg: Noosa, in QLD
Public Transport
Public Transport evaluates the availability and convenience of public transport options, such as buses, trains, and trams. Reliable public transport is important for retirees who may not wish to drive.
- A suburb scoring 1 would have very poor public transport options, making it difficult to get around without a car. Eg: Deniliquin, in NSW.
- A suburb scoring 10 would have excellent public transport options, making it easy to travel within the suburb and to nearby areas. Eg: Geelong, in VIC.
Natural Beauty
Natural Beauty measures the aesthetic appeal of a suburb, including its landscapes, parks, and natural surroundings. Beautiful surroundings can enhance the quality of life for retirees.
- A suburb scoring 1 might be industrial or lacking in green spaces and natural beauty. Eg: Mount Isa, in QLD.
- A suburb scoring 10 would be surrounded by natural beauty, with parks, beaches, or scenic landscapes. Eg: Jervis Bay, in NSW
Access to Services
Access to Services evaluates the availability of essential services such as banks, post offices, and government offices. Convenient access to these services is important for day-to-day living.
- A suburb scoring 1 might have very limited access to essential services, requiring significant travel for basic needs. Eg: Lightning Ridge, in NSW.
- A suburb scoring 10 would have comprehensive access to essential services, making life convenient and easy. Eg: Wagga Wagga, in NSW.
My Research: Combining Data with On-the-Ground Experiences
To create this guide on the 10 Best Suburbs for Retirement in Australia, I explored a wide range of towns and suburbs across the country, visiting the very places that retirees are already considering. This guide is the culmination of comprehensive data analysis paired with my own firsthand experiences. My top recommendations are based on a blend of detailed statistics and meaningful, heartfelt interactions with local residents.
To ensure the accuracy and relevance of my recommendations, I consulted a wide array of sources. I delved into reports from the Australian Bureau of Statistics (ABS), examining demographic data, crime rates, and cost of living indices. State and Local Government publications, provided invaluable insights into community engagement initiatives and public transport infrastructures. For healthcare assessments, I referred to each of the state’s Health Department records and hospital performance reports, ensuring a well-rounded evaluation of medical services available in each suburb.
However, numbers and reports only tell part of the story. My on-the-ground explorations included visits to local cafes, parks, and community centres. In Bendigo, VIC, for instance, I spent an afternoon at Percy and Percy Café, engaging with residents who shared their experiences of the vibrant community life and cultural activities. Similarly, in Hobart, TAS, I enjoyed a meal at the award-winning Templo, where the convivial atmosphere and local flavours highlighted the city’s strong sense of community and culinary excellence.
News articles and local media were also pivotal in shaping my understanding of each suburb’s unique attributes. Publications such as the Newcastle Herald and Sunshine Coast Daily provided timely updates on local developments, community events, and infrastructure projects. I cross-referenced these insights with online domains like Domain, RPData and Realestate.com.au to gauge housing affordability and trends. This combination of local news and real estate data helped paint a detailed picture of each suburb’s liveability.
Conclusion
Selecting the Perfect Suburb for Retirement is a personal choice, influenced by factors like healthcare access, community atmosphere, cost of living, and leisure options. Since every retiree’s priorities differ, the ideal location can vary.
Here’s a summary of the Top 10 Suburbs for Retirees across Australia, reviewed and ranked for 2024.
- Gold Coast, QLD – Total Score: 88/100
- Newcastle, NSW – Total Score: 87/100
- Launceston, TAS – Total Score: 86/100
- Sunshine Coast, QLD – Total Score: 85/100
- Bendigo, VIC – Total Score: 83/100
- Hobart, TAS – Total Score: 81/100
- Port Macquarie, NSW – Total Score: 79/100
- Ballarat, VIC – Total Score: 77/100
- Victor Harbor, SA – Total Score: 76/100
- Bunbury, WA – Total Score: 74/100
Each of these suburbs offers unique advantages that cater to different lifestyles and preferences. The Gold Coast shines with its perfect climate and abundant leisure activities, while Newcastle excels in healthcare and community engagement. Launceston combines affordability with natural beauty, and the Sunshine Coast offers an active lifestyle amidst stunning landscapes.
Whether you’re drawn to the cultural richness of Hobart with its vibrant festivals and artistic community, or the historical charm of Ballarat with its stunning Victorian architecture and rich gold rush history, there’s a perfect place for every retiree in Australia. Each suburb offers its own unique lifestyle, catering to various interests and needs.
If you need help finding a suitable property, consider using a professional residential buyer’s agent. These professionals provide expert guidance and support, leveraging their extensive knowledge of the local real estate market to help me navigate the complexities of purchasing a home. A buyer’s agent can assist in finding properties that meet your specific criteria, negotiate the best prices, and ensure that the process is as smooth and stress-free as possible, ultimately helping you secure the ideal retirement home in the perfect suburb.