Seven places to retire for people who love cruises

MW Seven places to retire for people who love cruises

By Samanda Dorger

If you plan to cruise a lot in retirement, being within driving distance of a major port can open up the world to you.

Cruising is back, and it just keeps getting bigger.

Some 31.7 million passengers sailed on cruises worldwide in 2023 - almost two million more than in prepandemic 2019, according to a report by the Cruise Lines International Association, and cruise ships are expecting to reach 35.7 million passengers in 2024. The industry pumped $138 billion into the global economy in 2022.

About half of cruisers are baby boomers and Generation X, (age 59 and over) and 84% of both groups plan to cruise again, CLIA says.

The appeal of a cruise lies in its all-inclusive floating hotel/restaurant concept - once you're on it, it takes you from place to place without any need to pack and unpack. Boarding those big cruise ships the first day can be an all-day affair-and you don't want to miss your ship, so many people fly in a day early and stay in a hotel near the port. That adds time and expense to the trip.

So if you cruise a lot, or plan to in retirement, being within driving distance of a major port can open up the world to you.

There are cruise ports all over the coastal U.S., including New York, New Jersey, Alaska, Seattle and Oregon. (Cruise ships will no longer start their journeys from Charleston, S.C., by the end of 2024, the South Carolina Ports Authority said.) Most of the busiest cruise ports in the U.S. are in warmer climates in Florida, Texas, Louisiana and California. Here are some places to retire less than three hours drive of some of those biggest cruise ports.

Florida: Close to the three largest cruise ports in the U.S.

There are three major cruise ports in the Fort Lauderdale-Miami area: Port Canaveral, PortMiami, and Port Everglades, and they happen to be the three busiest in the nation.

Florida's favorable tax structure makes the state popular among retirees, with no state income tax and no tax on Social Security benefits, pensions, IRAs 401(k)s or other retirement income.

Fort Lauderdale

Fort Lauderdale's Port Everglades is a port of call and departure point for most major cruise lines, including Royal Caribbean $(RCL)$, Disney $(DIS)$, Holland America, Princess, Celebrity and Viking Ocean Cruises. It's north of Miami and is known as an embarkation port for cruises to the Bahamas, Bermuda, Cuba, Caribbean and the Panama Canal, as well as repositioning cruises where travelers can often score bargains when a ship is moving to another port for the season.

Fort Lauderdale was chosen as one of Livability's 100 best places to live in 2023, thanks to its blend of leisure and luxury, golden beaches, year-round sunshine, easy access to water sports, vibrant arts and entertainment district and diverse economy.

It was also No. 3 on WalletHub's 2023 list of best places to retire, which considers activities, cost of living, healthcare and quality of life.

It's just over an hour's drive to PortMiami, another major cruise port and three hours from Port Canaveral.

Fort Lauderdale:

Pop.: 183,146 (Miami -Ft. Lauderdale metro area is over six million)Median home sale price: $573,000 (Redfin RDFN, Feb. 2024)Rent, 2BR average: $1,413 / moCost of living: 10.5% higher than the U.S. averageClimate risks: Heat risk is highest: 95/100 (where 100 is worst) according to ClimateCheck.com.

Boca Raton, Fla.

A longtime favorite and traditional retirement community for New Yorkers, Boca was ranked the No. 3 place to retire by Livability in 2016, citing its slower pace of life than its busier Miami and Fort Lauderdale neighbors just to the south. It's popularity as a retirement spot is evidenced by its high percentage of residents over age 65 (21%).

Boca Raton was WalletHub's No. 3 best place to retire in Florida in 2021, ranking in the top four for both healthcare and activities, it was also ranked as a top destination for snowbirds in 2021. It's about an hour's drive to PortMiami, and even closer to Fort Lauderdale's port.

This upscale community offers a serene environment with luxury amenities, golf courses, and beautiful parks.

Outdoors lovers will enjoy Boca's beautiful beaches and parks, including Red Reef Park, which has a nature center with trails, a butterfly garden and a sea turtle sanctuary. There are numerous golf courses in the area too.

Boca Raton:

Pop.: about 99,000Median home sale price: $686,250 (Redfin, Feb. 2024)Rent, 2BR average: $1,731/mo.Cost of living: 14.1% higher than the U.S. averageClimate risks: The highest risks are heat (96/100) and precipitation (70/100) (where 100 is worst.)

Delray Beach, Fla.

Just north of Boca Raton is the smaller city of Delray Beach, Fla., where homes are much cheaper. Delray is also on the ocean, it has lakes and golf courses, and there's plenty to do, from wine tastings, festivals and cultural experiences to golf and other sports. Stroll along the boardwalk and look at the wildlife in Wakodahatchee Wetlands, where you can see birds, turtles and alligators. There is an arts district with public art and galleries, too. Delray Beach is a little over an hour's drive to PortMiami, and even closer to Fort Lauderdale's port.

Delray Beach, Fla.:

Pop.: about 67,000Median home sale price: $402,500 (Redfin, Feb. 2024)Rent, 2 BR average: $1,580 /moCost of living: 14.1% higher than the U.S. averageClimate risks: Heat (69/100) and precipitation (69/100) (where 100 is worst.)

Close to the Port of New Orleans

The Port of New Orleans is the country's seventh largest cruise port with cruises to Mexico and the Caribbean on major cruise lines including Carnival, Norwegian $(NCLH)$ and Royal Caribbean. But it is also a launching point for river cruises up the Mississippi.

Baton Rouge, La.

Baton Rouge is about a 90 minute drive from New Orleans. Louisiana's capital city provides a blend of southern charm, cultural attractions, and outdoor activities. It's one of the cheapest places on this list, with cost of living and median home prices below the U.S. average. It ranked No. 74 on WalletHub's 2023 ranking of 189 places to retire. Home to Louisiana State University, the city is packed with football fans during the fall and there's a lively nightlife scene too.

Baton Rouge:

Pop.: 221,453Median home sale price: $220,000 (Redfin, Feb. 2024)Rent, 2BR average: $970/mo.Cost of living: 6.8% lower than the U.S. averageClimate risks: Heat is the highest risk here, (98/100) followed by precipitation (67/100) (where 100 is worst.)

Covington, La.

Located on the north shore of Lake Pontchartrain, Covington is a charming town with scenic parks and a historic downtown known for its art galleries and small public areas called ox lots, where vendors once sold their wares from wagons and oxcarts. It's less than an hour's drive across Lake Pontchartrain - on the world's longest continuous bridge over water - to get to the New Orleans port. Southern Living recently named it a best small town in Louisiana.

Covington, La.

Pop.: around 12,000Median home sale price: $281,500 (Redfin, Feb. 2024)Rent, 2BR average: $1,065 /moCost of living: 1.6% lower than the U.S. averageClimate risks: Heat (95/100) and storms (67/100) are the greatest risks (where 100 is worst.)

Close the Port of Galveston, Texas

Houston itself ranks middling on WalletHub and US News & World Report's retirement lists- No. 118 and 119 respectively. While the big bustling city has low home prices well below the country's average, according to ClimateCheck, flooding is a risk here: of 1,675 census tracts in Houston, there are 1,567 where more than half of buildings have significant risk of flooding, as evidenced by 2017's hurricane Harvey.

The Woodlands, Texas

But north of the city, The Woodlands, a master-planned community built around the old town square, is 1.5 hours' drive to the port and flood risks are minimal. The Woodlands is still close to all the amenities of Houston: such as professional sports, museums and shopping.

The Woodlands has 151 parks and 220 miles of hike and bike trails, and is also known for its golf, corporate headquarters, schools, places of worship, shopping, dining, hospitality and healthcare.

The Woodlands, Texas:

Pop.: 118,402Median home sale price: $537,500 (Redfin, Feb. 2024)Rent, 2BR average: $1,525/mo.Cost of living: right around the U.S. averageClimate risks: Heat risk is high here, 98/100 (where 100 is worst.)

Close to ports in Southern California

Over on the West coast, the biggest cruise ports are located in San Diego and the Los Angeles area. Cruises from these ports on major cruise lines take you to places like Mexico's Baja peninsula, Hawaii, the Mexican Riviera, Panama Canal, Pacific coast, South America and Alaska. You can even take a cruise around the world out of Los Angeles.

If money is no object, there are plenty of lovely oceanside places to retire in San Diego, such as upscale La Jolla or charming Coronado. Median home prices in San Diego and L.A. are above $900,000, and cost of living is well above the U.S. average. But a little farther inland is the Coachella Valley.

Palm Springs, Calif.

Once a popular destination for stars, with streets named after Gene Autry, Frank Sinatra, Bob Hope, Dinah Shore and more, Palm Springs is less than 2.5 hours to the ports in San Diego, Los Angeles and Long Beach. It's one of California's longtime favorite retirement communities, drawing active adults from all over the world with its beautiful landscapes, interesting architecture, rich culture, fine restaurants, diverse communities, and outstanding attractions, according to TopRetirements.

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