Four of the five best cities to retire in the U.S. are in Florida, according to a report by the personal finance website WalletHub.

WalletHub compared how friendly the 150 most-populated U.S. cities and at least two of the most-populated cities in each state were for retirees. It analyzed four categories of affordability, activities, quality of life and health care and 46 metrics to evaluate them.

The analysis only considered a city, not its surrounding metro area and assumed retirees only rely on fixed incomes.

At the top of the list is Orlando, followed by Tampa, Miami, and Fort Lauderdale.
In the top five, the third-highest ranked city was Charleston, S.C.

Orlando ranked in the top 20 for affordability and activities, 49th in healthcare, and 70th for quality of life.
Tampa ranked in the top 20 for activities and affordability, 47th for quality of life, and 64th for health care.
Miami and Fort Lauderdale’s rankings in these categories were much lower, respectively.

“Retirement is a long time. You are not choosing a place where you will live for a short period. Retirement is about one-third of your adult life,” Dr. Joseph Coughlin, director of the Massachusetts Institute of Technology AgeLab, said as an expert for the report. “Therefore, where you live should have all the elements you would want to live well, not just walking the beach, golf course or even the occasional bike ride.”

Scottsdale, Ariz.; Casper, Wyo.; Minneapolis; Jackson, Miss.; and Denver completed the top 10 best places to retire, following the Florida and South Carolina cities.

Other notables include Montgomery, Ala., which ranked first in affordability; Washington, D.C., which ranked first in activities; Fremont, Calif., which ranked first in quality of life; and South Burlington, Vt., which ranked first for healthcare.