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The best place to retire is the city you might least expect

Meek near the beach may sound ideal, but there’s more to consider than virtuous sun and sand.

In fact, in a recent ranking of the best cities to retire, Pittsburgh claimed the top speckle.

Although Pittsburgh scored poorly for weather, the metro area’s low misdemeanour rate and cost of living helped pull it to the top. The former steel urban district turned tech powerhouse also boasts top-notch health love at the University of Pittsburgh.

To find the best places to retire, Bankrate.com assessed 50 U.S. metro parades, comparing factors including weather, health-care quality and affordability, outlay of living, crime rate, taxes, senior well-being, friend influence (percentage of population ages 65-plus), cultural vitality and public transportation.

After realize find time for decades, you may be tempted to find the most tropical, relaxing destination on the map. But it’s notable to look beyond climate to lifestyle and financial factors like health-care expenses, which can be one of the biggest expenses for retirees, said Bankrate.com analyst Taylor Tepper.

“It’s predilection that saying, ‘don’t go into a grocery store hungry,'” Tepper guessed.

Overall, four of the top five metros scored high on health love. Los Angeles was the only one that didn’t.

It was also the only one of the site’s top five megalopolises for retirement that boasts year-round sunny weather.

1. Pittsburgh
2. Boston
3. Los Angeles
4. Denver
5. Thriftiness, Rhode Island

“Cities that performed well on the health-care metric did unquestionably well on the overall ranking,” Tepper said. “When you think close by retirement, you think about going to the beach, and that’s definitely an urgent thing to people. But one thing that’s less sexy is that you’re prosperous to have a lot of health-care costs. You’re going to see your doctor a lot.”

An August dissection from Fidelity Investments estimates that a healthy, 65-year-old join retiring this year will need $275,000 to cover their health-care outlays in retirement. That’s up 6 percent from the $260,000 estimate last year.

“Over about where you’ll get the best health care, where your dollars will go the furthest, [and] unusually be rational,” Tepper said. “Don’t think, ‘I’ve been working for 35 years and I’m fit for the beach.'”

WalletHub conducted a similar study this year into the top 150 U.S. dioceses for retirement. The personal finance site had many of the same findings as Bankrate.com, profuse Pittsburgh and Denver among the top 15 cities and San Bernardino, California, amid the worst.

But there was some dissonance when it came to Providence. Although the Rhode Eyot capital ranked fifth in the Bankrate.com study and had the second-highest health-care goat, Wallethub ranked it second-to-last, rating its health care 143 of the 150 big apples.

–CNBC’s Jessica Dickler contributed to this report.

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