Retiring in Washington State: Pros & Cons

With its lush green forests, sparkling waterways, and vibrant city life, Washington State has become a favorite for retirees seeking a life filled with energy, activity, and natural beauty. Whether you’re hiking mountain trails in the Cascades or enjoying a glass of wine in Walla Walla, the Pacific Northwest (or the The PNW, as locals call it) offers endless ways to stay active and soak in the scenery. The added benefit of no state income tax enhances Washington’s appeal, making it a popular choice for those who are embarking on their next chapter.

In this guide, we’ll explore the many benefits—and a few considerations—of retiring in Washington State. We’ll explore popular cities like Bonney Lake and Black Diamond, scenic highlights across the Seattle-Tacoma area, and some hidden gems, too. Let’s dive into what makes Washington such a popular retirement destination!

What You Will Learn

• Benefits of Retiring in Washington  
• Cons of Retiring in Washington  
• 7 Great Places to Retire in Washington 
• Find An Amazing Retirement Community in Washington State 
• Why Choose Trilogy by Shea Homes? 

Benefits of Retiring in Washington

For retirees looking to stay close to nature while enjoying a lively cultural scene, Washington checks all the boxes. Here are some of the top reasons so many find their perfect fit here in the Evergreen State:

Endless Outdoor Recreation

In Washington, the great outdoors isn’t just scenery—it’s a lifestyle. For retirees who love staying active, Washington’s landscapes offer year-round adventure:

• Hiking Trails: The Cascades and Olympic Mountains are filled with trails for every level of hiker, providing sweeping views, fresh air, and plenty of scenic spots to explore. In the San Juan Islands, retirees can enjoy coastal walks and wildlife viewing, with regular sightings of orcas, seals, and a variety of bird species. For even more variety, head to Riverside State Park near Spokane or the lush trails of Mount Rainier National Park.

• Golfing and Pickleball: Golf enthusiasts will find courses with stunning backdrops, like Chambers Bay near Tacoma and Aldarra near Seattle, that bring the beauty of the Pacific Northwest right to the green. Washington is also home to a thriving pickleball community, with courts, clubs, and groups statewide that make it easy to stay active and connect to other players.

• Water Sports and Boating: With a vast coastline, rivers, and lakes, Washington offers incredible opportunities for water sports, boating and sailing. Spend a day kayaking or fishing on Lake Washington, take a scenic ferry ride through Puget Sound, or set out on a whale-watching tour to experience the region’s iconic marine life. In the summer, head east for river rafting on the Columbia River or paddleboarding on one of the many lakes near Spokane.

• Skiing and Winter Activities: For winter enthusiasts, Washington’s mountains provide prime locations for skiing, snowboarding, and snowshoeing. Snoqualmie Pass, Crystal Mountain, and Stevens Pass are popular spots where retirees can enjoy the slopes or try cross-country skiing and snowshoeing for a quieter way to explore the winter landscape.

• National and State Parks: Washington offers three major national parks—Mount Rainier, Olympic, and North Cascades—each offering unique outdoor experiences. Explore rainforests, alpine lakes, and mountain meadows, or join local recreational fitness groups for organized hiking, boating, or cycling events that help you make the most of Washington’s natural beauty.

Vibrant Cultural Opportunities

Washington’s culture is equally as varied as its landscape. With music festivals, art galleries, and community events all around the state, there’s always something on the calendar. Festivals are a highlight for many retirees looking to connect with local culture and make new friends. In Seattle, enjoy the famous Bumbershoot Music Festival and the Seattle International Film Festival, which both draw visitors from all over the country. Spokane’s Lilac Festival celebrates the city’s rich history with parades and community gatherings, while the Sequim Lavender Festival brings visitors together for fragrant fields and artisanal goods. The Washington State Fair in Puyallup is a beloved annual tradition known for its concerts, rides, agricultural exhibits, and the famous scones slathered with honey butter that locals look forward to each year.

For those who enjoy exploring history and art, Washington is home to an impressive range of museums. Seattle’s Museum of Pop Culture (MoPOP) and the Seattle Art Museum feature captivating exhibits, while the Washington State History Museum in Tacoma provides a deep dive into the state’s rich past. History buffs will also appreciate the Northwest Maritime Center and the Museum of Flight, which celebrate Washington’s unique heritage through interactive displays and fascinating collections.

Thriving Culinary and Wine Scene

Washington’s culinary and wine scene is a feast for the senses, offering retirees countless ways to indulge and explore. As the second-largest wine producer in the United States, Washington is renowned for its exceptional Cabernet Sauvignon, Merlot, Syrah, and Chardonnay. These celebrated wines have earned accolades from critics and enthusiasts alike, solidifying the state’s reputation as a premier wine region. Throughout the year, wine lovers can immerse themselves in must-attend events like Taste Washington in Seattle, the Walla Walla Spring Release Weekend, and the prestigious Auction of Washington Wines, each showcasing the rich winemaking heritage and vibrant community spirit.
 
The state’s culinary scene is equally captivating, blending fresh, local ingredients with innovative culinary artistry and diverse global influences. Whether residents are perusing the bustling markets of Seattle, savoring freshly caught Dungeness crab or Sockeye salmon at coastal eateries, or enjoying a farm-to-table meal featuring Washington’s renowned apples and cherries, there’s a dish for every palate.

No Income Tax

Retirees often appreciate the financial benefits that Washington has to offer, particularly the absence of a state income tax. Compared to neighboring states like Oregon, Washington may be a more tax-friendly option. For more detailed information, visit  AARP’s Washington State Tax Guide.

Access to High-Quality Healthcare

When it comes to retirement, access to quality healthcare is essential—and Washington State rises to the occasion with a robust network of respected medical facilities and top-tier providers. From the University of Washington Medical Center and Swedish Medical Center in Seattle to Spokane's renowned Providence Sacred Heart Medical Center, Washington ensures healthcare options across both its urban and suburban landscapes. Whether you’re nestled in a tranquil small town or thriving in a lively city, Washington’s healthcare system can provide the specialized care and support retirees need to embrace this new life chapter with confidence and peace of mind.

Cons of Retiring in Washington

While Washington has a lot to offer retirees, there are a few factors to consider when planning a move to the Evergreen State.

Rainy and Overcast Weather

Western Washington is known for its rainy season, particularly in cities like Seattle and along the coast. While many find the gray skies cozy, the damp weather can be a challenge for some. That said, it’s not as rainy many might think. In fact, Seattle’s annual rainfall is actually less than that of New York City or Miami (source) Summers in Seattle, on the other hand, are a delight, with long, warm days and sunsets around 9 p.m., accompanied by average highs of about 75 degrees. For those who prefer sunnier climates, Eastern Washington provides a perfect contrast, with its drier weather and more sunshine, offering an easy getaway for those living in the west.

Comparatively Higher Living Costs

One of the challenges of retiring in Washington is the higher cost of living, particularly in urban areas such as Seattle. According to recent data, Seattle’s cost of living index stands at approximately 172.3, while the state average is 118.7, both above the national average of 100 (source). This higher index reflects the expenses associated with housing, groceries, transportation, and healthcare. However, retirees seeking a more budget-friendly lifestyle without sacrificing amenities might find suburban areas near Seattle-Tacoma appealing. Communities like Bonney Lake, Black Diamond, and Olympia provide more affordable housing options and a quieter lifestyle, all while staying within reach of urban areas.

Population Growth and Traffic

Washington’s growing popularity means a rise in population, which brings some common issues such as traffic congestion and continuous construction projects (source). This is especially true in urban hubs like Seattle. However, the state’s population growth has also led to enhancements in public transportation  in Seattle and an increase in recreational activities, new trails, and community events, especially in rapidly developing areas like Bonney Lake.

High Sales Tax

With an average combined state and local sales tax of 9.38%, Washington State has a high sales tax in comparison to most other states. However, not every county has such high rates; places like Skamania, Pend Oreille, and Whitman offer combined tax rates below 8%, providing options for those looking to manage their spending (source). For more information on Washington State sales tax, visit AARP’s Washington State Guide.

7 Great Places to Retire in Washington State

Washington is home to a wide variety of cities and towns that cater to retirees with different lifestyles and preferences. Here are seven standout locations for those seeking their perfect place in the Evergreen State.

Seattle: The Emerald City

Seattle is a city known worldwide for its vibrant lifestyle, filled with top-tier restaurants, cultural events, and iconic landmarks like the Space Needle and Pike Place Market. It’s an exciting destination for retirees who want to stay active and engaged. Ranked as the 19th best city in the world and 9th best in the U.S. in the Best World Cities 2023 rankings, Seattle also offers exceptional outdoor access with Puget Sound and the Cascade Mountains nearby. Parks, lakes, and extensive trail systems within the city add to its appeal. As the home of tech giants like Amazon and Microsoft, Seattle is at the forefront of innovation and offers numerous opportunities for continued learning and engagement in the tech community.

Bonney Lake: Small-Town Spirit with Urban Flair

Bonney Lake offers a warm community atmosphere with stunning scenery with views of Mt. Rainier and Lake Tapps. Located close to Seattle and Tacoma, this area provides a blend of natural beauty and convenient connections. Here, residents can enjoy kayaking on Lake Bonney, boating on Lake Tapps, and hiking in Victor Falls Park for epic views of a 70-foot waterfall.
Bonney Lake is also home to the Tehaleh®  master plan, an expansive community designed to embrace outdoor living and connectivity. Within Tehaleh®, you’ll find 55+ communities like Verterra®, a Trilogy® Boutique Community™. This 55+ resort-style community is designed to create a vibrant lifestyle in a fun, sophisticated setting within a close-knit community that offers a more personal scale many retirees prefer. Residents enjoy access to the planned Wellness Social Club at Verterra, a an exciting amenity that will offer a stylish space for fun, fitness, and adventure. Homeowners can expect a thriving social lifestyle that Trilogy communities are known for. The community is also surrounded by the lush forests and extensive trails Tehaleh® is known for, encouraging an outdoorsy lifestyle filled with walking, running, biking, and recreational activities like pickleball.

Black Diamond: Rich Heritage with a Vibrant Community Lifestyle

Black Diamond is known for its rich history and serene environment while still being close to the greater Seattle area. The town’s heritage is celebrated at the Black Diamond Historical Museum, showcasing its coal mining past. Retirees can enjoy local events like the Hometown BBQ and Brewfest, outdoor movie nights, and live music in Civic Park.

Among the inviting 55+ communities in Black Diamond is Tamarron at Lake Sawyer, a gated neighborhood offering residents an idyllic blend of natural beauty and close-knit living. Located less than a mile from Lake Sawyer, Tamarron gives residents easy access to outdoor activities that showcase the area’s natural beauty. At the heart of the community, an intimate Pavilion serves as a hub for gatherings, casual meet-ups, and special celebrations. Residents can explore nearby hiking and biking trails, a popular golf course, and a nature preserve, perfect for those who love to stay active. Shopping, dining, and medical services are conveniently located in nearby Maple Valley, and for those seeking urban excitement, Seattle’s vibrant food, art, and music scenes are just 30 miles away.

Spokane: Warm and Relaxed City Life

Spokane, located in Eastern Washington, provides a balance of urban amenities and outdoor recreation with a more laid-back atmosphere than the Seattle-Tacoma area. The city enjoys a drier climate and experiences all four seasons, making it a great choice for those who prefer varied weather. Attractions like Spokane Riverfront Park and the Northwest Museum of Arts and Culture create a rich cultural backdrop. The city also hosts numerous festivals and events, including the annual Lilac Festival, Spokane Symphony, and Hoopfest, the world’s largest 3-on-3 basketball tournament. Spokane is also home to Gonzaga University and Eastern Washington University, providing opportunities for lifelong learning and cultural enrichment, including lectures, performances, and sporting events. For outdoor enthusiasts, the Spokane River Centennial Trail and Mount Spokane State Park provide year-round activities, from running and cycling to skiing and snowboarding.

Gig Harbor: Coastal Charm

Gig Harbor is a picturesque waterfront community just across Puget Sound from Tacoma, known for its maritime history and stunning views. The town is home to boutique shops, art galleries, and waterfront dining that retirees can enjoy. The Harbor History Museum offers insight into the area’s storied past. Residents can stay active with boating, fishing, kayaking, and hiking in nearby Kopachuck State Park. The Cushman Trail and local parks provide more opportunities for outdoor activities. Annual events like the Gig Harbor Beer Festival and Maritime Gig Festival bring the community together, showcasing its charming, coastal vibe.

Walla Walla: Sunny and Scenic

Walla Walla, in southeastern Washington, is perfect for retirees seeking small-town charm with a touch of sophistication. As one of the premier wine regions in the U.S., Walla Walla is known for its vineyards and has been named America’s Best Wine Region by USA Today multiple times. Visitors can enjoy wine tastings, vineyard tours, and wine-related events throughout the year, such as the Walla Walla Wine Festival and Spring Release Weekend. The town’s historic downtown, lined with 19th-century architecture, boutique shops, and local eateries, adds to its appeal. Surrounded by rolling hills and the Blue Mountains, Walla Walla offers plenty of outdoor activities, from hiking to bird-watching at Bennington Lake. The presence of Whitman College enriches the community with cultural events, lectures, and performances.

Tacoma: Waterfront Cultural Richness

Tacoma sits along the shores of Puget Sound, offering retirees a mix of urban amenities and scenic beauty. It is more affordable than nearby Seattle but still provides a thriving cultural scene with attractions like the Museum of Glass, Washington State History Museum, and Broadway Center for the Performing Arts. Outdoor lovers will appreciate Point Defiance Park, one of the largest urban parks in the country, complete with scenic trails, beaches, and stunning views. Tacoma’s strong public transportation system, including Amtrak and the Sounder commuter rail, makes travel easy, while the nearby SeaTac International Airport connects residents to destinations near and far.

Find An Amazing Retirement Community in Washington State

Washington’s blend of natural beauty, vibrant culture, and state income tax-free perks makes it an appealing choice for retirees. Whether you’re captivated by the urban energy of Seattle, the coastal charm of Gig Harbor, or the sunny, scenic setting of Walla Walla, Washington offers a variety of communities to suit your lifestyle. Ready to find your perfect fit? Learn about who can live in a 55+ community and the guidelines to know as you explore Washington’s options.

Curious about retiring in other scenic destinations? Explore our guides to retiring in Arizona , Idaho , Nevada  and Sacramento to find the best fit for your lifestyle.

Why Choose Shea Homes for Your Next Chapter in Washington State

Shea Homes has built a trusted reputation for creating vibrant, well-designed 55+ communities that cater to fun-loving, social, and engaged lifestyles. With thoughtfully designed homes, a range of amenities, and a focus on building connected neighborhoods, Shea Homes provides a welcoming environment for retirees looking to make the most of their next chapter. Discover the lifestyle you’ve been dreaming of with Shea Homes in Washington State!