Best place to retire with horses

Arizona or Texas?

Carolinas seem wonderful but I don’t think I could ever do the humidity. Everyone from here snow birds in AZ.

I know property taxes in OR are crazy crazy high. When I was looking into Oregon I was looking at Klamath Falls.

I thought Idaho gets snow as well… I think I drove through the boring part but I didn’t like the target we stopped at and the sales tax seemed high haha.

I live in Montana, the red part of the state and I’m about 50 miles from the big city. I’m in the weird banana belt part as well where the bad winter storms blow right over us. Huge amount of growth even in the two years I’ve been here.

I have only threated DH that I was doing to move back to CA and/or Texas several times

Texas PROPERTY tax is outrageous!! Even with Ag./Sr./Homestead exemptions!! Raising sales tax 2% more in the future…property assessment “can” go up 10% per year!! We’re moving back EAST!!!

There are no easy answers, that is for sure. I sat here tonight looking at where I live, and thinking, OK, maybe I can deal with the taxes…it sure is pretty here. I keep looking for the magical place that is as beautiful as where I live, yet more affordable. Trade offs…always a trade off.

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This post has few new entries but thought I would relay my horse experience in retirement. I moved from Pennsylvania to Silver City, NM and have 4 horses. Came from a hunter.jumper background (very little of that here) and am now trail riding and some dressage PROS: Silver City has low property taxes, great climate for year round riding, a connected horse community and the best trails imaginable (it’s at the edge of the Gila National Forest). Very few bugs and few bug diseases (ie low lyme). Keeping horses here is easy as it is dry and buckets rarely freeze during winter. You don’t need a barn, just paddocks and shades to get them out of the sun, wind and occasional rain. The community is lively with many artists and retirees and many activities. The horse community is well connected and helpful. People are health minded and often engage in outdoor activities. In fact, I spend most of my time outdoors. Culturally diverse and VERY friendly folks, always willing to help.The CONS: fairly high hay costs, not great close access to medical care, not much shopping (think Walmart and we do have TCS). Somethings that are pro to some and con to others: Isolated (3 hrs to Las Cruces or El paso or Tucson), few boarding barns (most people keep horses on their own property), laid back life style- the opposite of a big city. My horses seem to love it here because they are not cooped up inside, have room to roam (little grazing though) and they work in the ring but then go right out back to wonderful, quiet trails. Other than that, there are many endurance riders here and several people host horse clinics. It is different from East Coast riding though - you’d have to travel for dressage or hunter/jumper competition or most anything except rodeo. There are differences in horse keeping and training methods from East Coast to the South West but I have learned so much and have become very versatile with horses. My husband and I have a wonderful trainer with dressage/jumper and trail experience and, at 70, I have been able to safely expand my riding from the ring to some pretty challenging trails. My family is back East and I would love to be closer but once you have experienced riding and caring for horses in this climate, it’s almost impossible to go back! It’s not for everyone but those who like it never want to leave. Try a vacation here, ride with an outfitter, hike, meet people (just standing in line at the grocery store can be a social experience). Try it out because many of us riders think that the Silver City and nearby areas are the best kept secret for living in the US with horses. You never see it listed in the “who’s who” of best retirement places so for those looking to be away from the crowds, traffic and noise, this is great.

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am following this thread!!
Lived in Tucson for many, many years. Yes, in the late 60s/early 70s it was kind of a paradise. A cow town. But man has it exploded. Not quiiiiiiite Phoenix yet but working on it. I would certainly consider Tucson November -April when weather wise it is fantastic. And yes, to great riding! Good medical care, decent/good social services. Decent vets and so on.
The summers are freaking ovens. I worked radio there for years and I remember announcing, “we’re looking for a high to day of 112” and thinking, who in their right mind is looking for a high of 112??? Yes, to getting up at 430 and doing your outside stuff 530-9 or so if you can. Swamp coolers (for poor people like me) which do NOT work if it gets at all humid. It is right on I-10, so you can get places–a definite bonus. I wasn’t thrilled with the crime rate when I wsa there (I worked with folks on parole and probation so was more aware than most of what was going on) and I hear it has gotten worse. Not missing that either.
New Mexico…the health care alone would dissuade me. University Hospital was a shit show when I lived there, traffic sucked…REALLY sucked. Corrales would be the place to be with horses (one area of ABQ) where one can ride up and down the Rio Grande–very lovely–but would get a thumbs down from me as far as lving there. i’d take Tucson a billion times over ABQ.
One place I would also consider–not snow free but the weather really is pretty good–is Fort Collins. It truly does get a TON of sunshine (Iwas told 325 days a year and I bet that s close) yes, there’s snow but it doesn’t last long and one can ride all winter! The cost of hay is high, so that’s a consideration, but here are/were good places to board. Intrestingly, I was told tornadoes never touch down west of I-25 and that proved true. Windsor (just east) and Weld County do get a lot of tornadoes but Larimer County (Fort C) not so much. At least not when IW as there. Great palces to ride, good medical care (and access to Denver) lots of walking trails and hiking, Colorado state is there so lots of student-y things to do It was NOT socially liberal when I was there but that has really changed. Maybe Fort C in the summer and Tucson in the winter?? Colorado STate is also great for good vet care!!! :slight_smile:
Like I said, following as I am definitely open to ideas on this!!

We’re still focused on Tuscon. We love the desert and it’s not as hot in Tucson as it gets in Phoenix or Las Vegas. We did a simple tax comparison and what we’ll save in taxes is astonishing.

We visited over New Years and are going again at the end of summer to continue looking for a house/property.

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Make sure you visit for a month or so in June. “Not as hot as Phoenix” may be true but that is a very, very high bar. 112-115 is still warm. I say that as someone who loves Tucson/grew up there/worked for 8 years. Sure, New Years is gorgeous. spring (March-early April) is spectacular with all the wildflowers! Hiking is awesome! Late summerish/fall such as it is is also okay. But if yo uwant to live full time, I would definitely spend some quality summertime there. It can be 98 degrees at 11 oclock at night.

I will say I do not miss snakes. Particularly the will-I? won’t-I? find one or two around horse feed. And by snakes I mean rattlers or things in that family.

On the plus side, the sunsets are magnificent! There are great places to dance! Wonderful radio!!! Terrific restaurants and cafes and the Fourth Ave street fair and the rodeo in Feb

This is a really excellent article and in particular I’d highlight that California doesn’t tax Social Security income. In fact, California IME seems to have a pretty big step in how it calculates income taxes - lower income households pay very little, and then you step across into the upper income levels and you start paying a lot more. Honestly California income tax is not a major expense for me. (Property tax is much much larger because I’m on the sad side of Prop 13.) IE, if your earned income will go down your taxes might not be such a concern.

So before you go moving for financial reasons, I’d really suss out your current situation and how it will change after retirement and what your expenses at that time would be. Include things like health insurance, property tax, horse boarding/hay, cost of hiring a helper if your horses are home, cost to travel if you expect to do that, access to your friends and family, etc. Consider how your lifestyle might change in a different place and create new expenses - like more need to drive (with the downside that you might not be able to drive forever) or higher utility bills. Consider how in a low tax state that might also translate to fewer local services that you’ll be more in need of as you get older, and end up paying for in other ways. Or if the roads are a mess, how often you’ll have to pay for car repairs and new tires.

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Yeah, we’re both from Las Vegas. When I moved to So Cal in the month of July, I went from 120 to 75 degrees. I wore a jacket all summer!

I found a calculator that might be vaguely helpful in estimating various taxes: https://smartasset.com/taxes/califor…tor#oh2WZdEez5

I put in a hypothetical $65k annual income for married filing jointly, and your estimated California state income taxes are $1,267 at that level. That assumes the money is coming from salary or other taxable income, not social security. If it’s coming from social security, and say $40k of that is social security, your state income taxes would be $160.

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