Retirement planning in 2026 is no longer just about finding a scenic postcode. Rising living costs, healthcare access, transport links and community support now shape where Australians choose to spend their later years. With property prices in capital cities remaining high, many retirees are shifting toward well-serviced regional centres and coastal towns that offer both lifestyle benefits and financial stability.
Based on affordability, healthcare infrastructure, climate comfort and local community strength, these eight locations stand out as some of the best places to retire in Australia in 2026.
Hervey Bay, Queensland
Hervey Bay continues to attract retirees seeking a calm coastal lifestyle without the price pressure of larger Queensland beach cities. Its flat terrain is particularly appealing for older residents, making walking and cycling easier. The subtropical climate avoids harsh winters while staying milder than Far North Queensland.
Healthcare access is supported by regional hospital services and a growing number of general practices. The town’s large retiree population also means established social clubs, volunteer groups and community networks. Compared with Sunshine Coast property markets, housing remains relatively affordable, offering better value for those living on superannuation or the Age Pension.
Victor Harbor, South Australia
Victor Harbor provides seaside living while remaining just over an hour from Adelaide. This proximity allows retirees to access specialist medical care and larger hospitals without living in a metropolitan environment. The coastal scenery, walking trails and relaxed pace attract those seeking lifestyle balance.
Property prices remain more manageable than Adelaide’s premium coastal suburbs. The town maintains an active community calendar, including markets and seasonal events, helping newcomers integrate quickly. For retirees wanting coastal views without full isolation, Victor Harbor offers a practical compromise.
Port Macquarie, New South Wales
Port Macquarie is often described as one of Australia’s most balanced retirement destinations. It combines beach access with strong healthcare infrastructure, including specialist services that reduce the need for long-distance travel.
The moderate climate supports outdoor living year-round. Although housing prices have increased in recent years, many retirees accept the premium due to reliable services, established shopping centres and a safe, walkable environment. Port Macquarie suits those who prioritise medical access alongside lifestyle.
Ballarat, Victoria
Ballarat offers retirees a cooler climate and significantly lower housing costs compared with Melbourne. Its public hospitals, transport links and essential services are well developed, reflecting its status as a major regional city.
Cultural depth is another advantage. Museums, galleries and historic streetscapes create a lifestyle that feels rich without metropolitan congestion. For retirees who prefer seasonal weather and cultural engagement over coastal living, Ballarat provides strong value in 2026.
Busselton, Western Australia
Busselton has grown steadily in popularity. Known for its iconic jetty and calm beaches, it delivers relaxed coastal living without Perth’s housing costs. Infrastructure and healthcare services continue to expand as the population increases.
Its proximity to the Margaret River region adds lifestyle appeal, including wineries and natural attractions. Busselton works well for retirees wanting West Coast sunshine, community engagement and manageable property prices outside a capital city.
Toowoomba, Queensland
Toowoomba remains one of Queensland’s most affordable and practical retirement options. Located inland, it enjoys a cooler climate than coastal areas while maintaining access to Brisbane when necessary.
Housing prices are significantly lower than major southeast Queensland cities. The region offers reliable hospital services, extensive green spaces and active community groups. For retirees prioritising budget control and healthcare stability, Toowoomba remains a strong contender in 2026.
Albury, New South Wales
Albury sits along the Murray River and benefits from services across both New South Wales and Victoria. This cross-border advantage provides broader healthcare and cultural access.
Living costs are generally moderate compared with coastal hubs. Transport connections, established hospitals and community facilities make daily life convenient. Albury appeals to retirees seeking practicality and regional stability without sacrificing amenities.
Launceston, Tasmania
Launceston is increasingly attractive for retirees looking for affordability and a strong sense of community. Property prices are typically lower than many mainland coastal markets, making it appealing for those relying on fixed incomes.
Healthcare services have improved in recent years, and the city provides access to natural attractions such as Cataract Gorge. Launceston suits retirees who value connection, manageable housing costs and a slower pace of life.
Choosing the Right Retirement Location in 2026
Selecting where to retire should go beyond property prices. Long-term healthcare access, climate comfort, proximity to family and reliable transport all matter. Many retirees now test a location by renting for several months before purchasing. This approach reduces risk and allows time to assess local services, community fit and lifestyle suitability.
Australia’s retirement landscape in 2026 reflects broader economic and social shifts. Regional centres with dependable healthcare, affordable housing and strong community networks are becoming more desirable than crowded metropolitan suburbs.
The best retirement destination ultimately depends on individual priorities. Whether coastal relaxation, cultural engagement or financial security comes first, these eight locations offer a practical starting point for Australians planning their next chapter.