Retire In Naperville

🏙️ Retiring in Illinois in 2026: Why Naperville Tops the List

Naperville ranks among Illinois’ Top 3 Best Cities to retire according to 2025-2026 rankings from World Atlas and U.S. News & World Report.

When people think about retirement, Florida usually steals the spotlight. But sunshine and palm trees aren’t the only ingredients for a fulfilling next chapter. Many retirees are looking beyond the coasts for places that offer comfort, connection, convenience, and a strong quality of life. Illinois may not be the first state that comes to mind. Yet, several of its cities are quietly rising as retirement favorites, especially for those who want to stay active, engaged, and surrounded by excellent amenities without sacrificing a true sense of community.

🥇 Naperville: A Golden Choice for Retirement

According to rankings from World Atlas and U.S. News & World Report, Naperville stands out as one of the best cities to retire in Illinois in 2026. What makes this suburban gem near Chicago so ideal for retirement? Let’s break it down:

🛍️ Community Life

One of Naperville’s biggest advantages for retirees is its vibrant downtown. Many retirees say that being able to easily go to a café, the library, events, and dinner with friends makes daily life feel more fulfilling and social without needing to drive everywhere.

Highlights include:

The Naperville Riverwalk — a scenic riverside trail perfect for morning exploring or quiet reflection

More than 60 locally owned restaurants and shops, all within a short distance

Nichols Library — one of Illinois’ top public libraries with programs designed for active adults

North Central College and Wentz Hall — offering concerts, lectures, and continuing education opportunities to keep minds engaged well into retirement

This blend of accessibility and culture makes Naperville feel like more than just a place to live; it feels like a community to belong to.

🏥 Top-Tier Healthcare Close to Home

Access to quality medical care becomes increasingly important as we get older, and Naperville delivers.

The Endeavor Health Edward Hospital earns national recognition for its care, offering specialties in:

Cardiac and surgical care

Cancer treatment

Geriatric services

Emergency and urgent care

For many retirees, having such a strong healthcare system nearby provides peace of mind, especially for those with ongoing health needs or anyone hoping to age in place with confidence. Naperville’s proximity to Chicago’s large specialized healthcare facilities is also a major plus!

🏡 Retirement Housing That Fits Your Lifestyle

Whether you’re downsizing, relocating, or choosing your forever home, Naperville offers a range of housing options:

Maintenance-free condos and townhomes in the heart of downtown

Single-level ranch homes in quiet suburban neighborhoods

55+ active adult communities nearby in towns like Aurora or Plainfield

Luxury condos with concierge amenities

These options make it possible to tailor your retirement living to your needs, whether that means walkability, ease of maintenance, or stylish comfort. 

💰 Taxes and Cost of Living Considerations

It’s no secret that taxes and costs of living matter a lot when planning retirement. Illinois doesn’t tax Social Security, pensions, or retirement account withdrawals, a big plus for retirees! And while property taxes in Naperville may be higher than in some smaller Illinois towns, they’re balanced by strong property values, good resale potential, and access to amenities that make daily life easier and more enjoyable. 

🤝 Why Retirees Love Naperville

From an active lifestyle on foot to world-class healthcare and enriching cultural opportunities, Naperville offers a blend of convenience and charm that many retirees find irresistible.

Some of the reasons it continues to rank so highly include:

A 5.6 overall quality-of-life score in the 2025 U.S. News retirement rankings

Recognition as No. 1 in Illinois for retiree-friendly factors

A suburban feel with big-city amenities close by

A community that supports aging in place with social and educational opportunities 

🌟 Final Thoughts

Retirement isn’t just about where you live; it’s about how you live. For many people looking to retire in Illinois in 2026, Naperville checks all the right boxes: community, convenience, culture, and care. Whether you’re planning ahead or ready to make the move now, Naperville is worth exploring.