Investor Alert

Where Should I Retire?

Nov. 3, 2020, 12:32 p.m. EST

Now you can screen for humidity and more on MarketWatch’s upgraded ‘Where should I retire?’ tool

More options on medical care — and why there’s no crime data

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By Silvia Ascarelli, MarketWatch

iStock/Getty Images

In the search for the perfect retirement spot, “perfect” weather is high on the list.

And while that definition can vary, one thing MarketWatch readers have repeatedly told us is that humidity (or lack of) matters. Average July highs in the 80s would be great too, they say.

On top of weather, they want a below-average cost of living and low taxes.

So the good news is that MarketWatch has added summer humidity in the latest update to its “ Where should I retire? ” tool.

And just where is that perfect place to retire?

The bad news: you probably need to compromise.

When I asked the retirement tool to select metro areas with very low humidity in July, a low overall tax burden (as measured by the Tax Foundation’s “ tax freedom day ”), a below-average cost of living, those summer temperatures in the 80s and average January highs in the 40s, I got three government-defined micropolitan statistical areas, all in Idaho and all with fewer than 50,000 people that met 100% of the criteria. The trio — the areas around Burley, Moscow and Mountain Home — all get snow, and in the case of the city of Moscow, 4 feet of it annually.

How about settling for low humidity, rather than very low humidity, but keeping everything else the same? No perfection.

But if you are flexible on winter temperatures and on taxes (after all, these are areas where the cost of living is below the national average), your options open up to dozens of areas, even to California. (You must search separately for low and extremely low humidity. You can also sort by population or cost of living.)

Add more criteria and your options narrow, of course.

How are we measuring humidity? Dew points . The higher the dew point, the more moisture is in the air. In the heat of summer, that extra moisture means it’s more uncomfortable. The data comes from Prism Climate Group at Oregon State University using government weather data from 1981 to 2010. MarketWatch used July data as the proxy for summer, and Chris Daly, who directs Prism, and other meteorologists, helped us group the numbers into five categories, from extremely low to extreme humidity.

A word of caution: The Prism data breaks down the continental U.S. into small grids. MarketWatch averaged the data across each metropolitan or micropolitan statistical area. If there is a considerable change in elevation in that MSA — think Brookings, Ore., or the Truckee-Grass Valley area of California — the average isn’t as useful.

Perhaps not surprisingly, the southeast is particularly humid. There’s that trade-off for the warm winter weather.

And Arizona isn’t as dry as outsiders might expect. That’s because of its monsoon season from June through September , which can bring everything from heavy rains to hail (and even dust storms).

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