Discover the Best Communities in Washington State

New luxury retirement communities in Washington State are welcoming active adults who appreciate upscale waterfront locations, low taxes, high-quality health care and abundant outdoor recreational opportunities.

Among the reasons that so many have found Washington State to be an excellent retirement destination are:

  • Washington State is very tax-friendly for retirees.
  • The high quality of life in Washington State includes great health care.
  • Active adults enjoy an endless list of fresh-air recreations.

Tax-friendly Washington State

Washington State collects no income tax. That’s especially beneficial to retirees because it means that no income is taxed by the state from Social Security benefits, investment retirement accounts (IRAs), 401(k) plans and pensions. While there is an estate tax, it only applies to estates with a value in excess of about $2.2 million.

Property taxes in Washington State are a little below the national average with a statewide effective rate of 0.93% (around $930 per $100,00 of home value). Those annual payments can be even less for qualified seniors age 61 and over: Generous homestead exemptions for up to $70,000 in home value are available, plus “senior freeze” programs that keep property taxes the same even as values appreciate. The combined state and local sales tax rate of about 9.23% in Washington State is above the national average, but prescription drugs and groceries are exempt.

Washington State Health Care

Kiplinger named Seattle as one of America’s “Top 12 Cities to Retire for Good Health,” citing the area’s world-class medical services and the generally healthy lifestyle of its residents. A Washington Health Alliance report also found that the state’s top-ranked hospitals are below average in cost. Among those leading providers are University of Washington and Virginia Mason hospitals in Seattle, Evergreen Medical Center in Kirkland and the statewide Providence Health network.

The Good Life In Washington State

In addition to crime rates well below the national average and progressive environmental-protection standards, Washington State boasts a dynamic economy anchored by corporate headquarters for businesses like Amazon, Boeing, Microsoft and Starbucks. Those companies and others in the hi-tech sector have supported a thriving cultural scene that includes major venues for theatrical performances and music concerts, as well as top-tier museums, art galleries and gourmet restaurants.

Year-round outdoor recreations are a big part of the healthy Washington State lifestyle. There are more than 2,500 miles of marine coastline that include pristine beaches on the Pacific Ocean and sailing, boating, fishing and kayaking on Puget Sound. New upscale residential communities along the waterfronts offer scenic views and front-door access to all of those recreational amenities and more.

Washington State is also home to three national parks—Olympic, Mount Rainier and North Cascades—with spectacular hiking-trail destinations that range from coastal rain-forests to mountain peaks. There are also numerous access points to segments of the Pacific Crest Trail that runs from north-south through the entire state. But you don’t have to be a walker to enjoy Washington State’s splendor: Ski slopes in the highlands offer winter recreations, scenic highways traverse many national and state parks for leisurely tours and the all-weather paths in urban and rural areas are so plentiful that the League of American Bicyclists named it as the nation’s most bike-friendly state.

Research and Explore the Best Communities in Washington State

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Active Adult Community near Seattle WA | Port Ludlow | Waterfront Homes

Port Ludlow

Port Ludlow, WA
Homes: $490,000+


Port Ludlow is a resort-style community located on the shores of the Puget Sound, just a 30-minute ferry ride away from Seattle, Washington. Port Ludlow is close enough to the city, but far enough to enjoy an active and tranquil lifestyle. With views of the Olympic Mountains, a bustling social life, waterfront inn, and myriad of recreational amenities, the community has regularly been ranked as one of the top ten neighborhoods in the U.S.

Port Ludlow is home to a championship golf course that embraces the area’s natural surroundings of lakes, streams, and evergreens and provides challenging play for all skill levels. Residents can enjoy the community’s waterfront location at Port Ludlow’s 300-slip Marina by taking a boat cruise, renting a kayak, or dining at the award-winning Fireside Restaurant. Two clubhouses provide fitness facilities, tennis and pickleball courts, swimming pools, and over 100 community clubs.

Residences in Port Ludlow include Craftsman-style beachfront homes, waterfront condos, and villas with golf course views. Currently, there are two new neighborhoods being built in Port Ludlow. Ludlow Cove Cottages and Olympic Terrace II.

Check out our 360 degree view of Port Ludow by clicking here!

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Destination Northwest

Make this a year for exploring your frontiers. Take a virtual tour of the luxury retirement communities in Washington State, then plan a personal visit to discover your new healthy and active natural lifestyle.

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