U.S. News & World Report's best places to retire list is a stable full of dark horses

Midland, Michigan, takes the top spot in U.S. News & World Reports 2026 Best Places to Retire rankings
Expanded analysis covers more than 850 cities, up from 150 last year
Quality of life and retiree migration trends shape a new top 10 list

Midland, Michigan, has been named the No. 1 place to retire in the United States, according to U.S. News & World Reports 2026 Best Places to Retire rankings, released Tuesday. The small Midwestern city rose to the top for the first time thanks to strong scores in affordability and favorable retiree tax conditions.

Midland, population about 48,000, is the corporate home of Dow Chemical Co. It's also the home of the 110-acre Dow Gardens, which featuresAmerica's longest treetop canopy walk,andThe Tridge,a distinctive three-legged pedestrian bridge.

The annual rankings now expanded to evaluate more than 850 U.S. cities, up from 150 last year are based on how well each location meets retirees expectations for quality of life, affordability, health care, retiree taxes, and the job market. For the first time, U.S. News also factored in population and migration data for residents ages 55 and older.

Quality of life drives retirement choices

Retirees are prioritizing quality of life over affordability for the first time since the beginning of the COVID-19 pandemic, said Tim Smart, contributing editor and author of U.S. News retirement newsletter, YOLO: Your Smart Guide to Retirement. Whether seeking a bustling city or a quiet town, retirees are now empowered with a more precise view of the best places to settle down.

The 2026 rankings were weighted using results from a national survey of Americans aged 45 and older, asking what matters most when choosing where to retire. In response, U.S. News made quality of life the most heavily weighted factor, ahead of affordability.

A new mix of cities in the top 10

The expanded methodology and larger data set produced a completely reshuffled top 10 list that includes several first-time entrants. Weirton, West Virginia, ranked No. 2 for its strong scores in quality of life and affordability, while Homosassa Springs, Florida, came in third, buoyed by growth in its 55-plus population.

Top 10 places to retire in 2026

1. Midland, Michigan

2. Weirton, West Virginia

3. Homosassa Springs, Florida

4. The Woodlands, Texas

5. Spring, Texas

6. Rancho Rio, New Mexico

7. Spring Hill, Florida

8. Altoona, Pennsylvania

9. Palm Coast, Florida

10. Lynchburg, Virginia

How the rankings were built

U.S. News compiled its rankings using data from federal, state and local sources, including the FBI, Bureau of Labor Statistics, Bureau of Economic Analysis and its own Best Hospitals rankings. The analysis is part of the publications real estate coverage, which also offers tools to help consumers navigate housing markets and evaluate local economies.

The full list of 250 cities and details about the methodology are available at realestate.usnews.com/places/rankings/best-places-to-retire.

Slow down, save your money: the holiday scam rule

• Scammers ramp up during holiday shopping because people are rushed and distracted, so a trade group is pushing a slow down before you pay habit

• Their three rules: pause if theres pressure, only send money to people you know, and verify any delivery/bank/message inside the official app or website

• Biggest red flags right now: anyone asking for gift cards, fake shipping/order texts, and fake charity or send me money messages that dont come through the companysapp or website

Holiday shopping is officially underway, and so are the people trying to separate you from your money. Thats why the Financial Technology Association (FTA) is rolling out a new Smarter than campaign aimed at teaching shoppers the one habit that stops most fraud cold: slowing down.

What scammers are doing this year

Miranda Margowsky, head of communications for the FTA said the tactics arent brand new, but scammers are getting more aggressive because they know people are shopping, distracted, and willing to pay fast.

I think we've all gotten the text messages, the calls, the social media messages that can really translate to a scammer trying to get you to send them money, get you to send your personal information, she said. Especially around the holidays, were seeing a lot of things. Were seeing gift card trying to get you to pay for something with a gift card, which is really a telltale sign of a scam.

Thats a big red flag: anyone who insists on being paid with a gift card is almost certainly a scammer. Retailers, delivery companies, government agencies, and payment apps dont take gift cards as in form of a settlement.

The FTAs three core rules

The campaign boils everything down to a simple sequence:

1.Pause before you pay

Scammers love when shoppers are in a hurry. They want you to feel like you have to act now, Margowsky said. Maybe its your package cant be delivered, your account will be locked, or this price is only good for the next 10 minutes. That pressure is intentional and taking 30 seconds to stop and verify kills most in their tracks.

2.Only send money to people you know and trust

The FTA represents companies like Cash App, PayPal, and Venmo, and Margowsky was clear on this point: those platforms wont contact you out of the blue to ask for your bank info or to send money.

Theyre not going to contact you proactively to ask for your bank account information, to ask you to click on a link, to ask you to send your information, she said.

3.Verify the source through an official channel

If you get a text or email about a missed delivery, dont click the link. Instead, open the retailers app or go straight to the delivery services website. Same thing if someone claims to be from your payment app or bank, always go to the app yourself and check messages there.

Two protections shoppers often overlook

Many consumers routinely skip two basic security steps that would make holiday a lot harder to pull off:

Use trusted contact methods

If you need to reach a company, go directly through the app, bookmarked website, or the number on your statement. Never click on a link from a text, email, or social post. Fake lookalike sites ramp up during November and December because scammers know people are searching for deals.

Turn on two-factor authentication (2FA) and use strong passwords

A lot of holiday fraud isnt someone tricking you into paying, instead its someone getting into your account and paying themselves. 2FA happens when a code is sent to your phone or generated in an app that you have to enter to prove who you are. Always turn this feature on as it makes life much tougher for the scammers.

Holiday-specific to watch

Here are the ones that tend to spike right now:

Gift card payment : Pay this fee with a gift card. Real companies dont do that.

Fake order/shipping texts: Your package is on hold, click here to update. Go to the retailers app or website instead and check on the order status.

Charity : The end-of-year always brings out fake charities looking to exploit on peoples generosity. I always recommend looking up the group on Charity Navigator before donating.

Friend/family in need messages on payment apps: Always call or text the person separately to confirm that they actually need help before sending any money or help.

Ford, Tesla lead latest auto recalls affecting cars, trucks and SUVs

Teslas Cybertruck makes headlines again this time for an offroad light bar that can detach and become a road hazard capping a busy week in recalls dominated by Fords cluster of fixes covering everything from loose seatframe hardware to moonroof wind deflectors and inoperative rear lightbars on the F150 Lightning. Luxury and specialty makers also show up: MercedesBenz (AEB loss), Maserati (headlight aim caps), BMW/MINI (seatbelt retractor issues on multiple 2026 models), and more.

At a glance

Teslas Cybertruck recall headlines a week of fixes led by Fords multifront campaign

Teslas Cybertruck returns to the spotlight this week with NHTSA campaign 25V735, a fix for an offroad light bar that can detach and become a road hazard on 2024 models. While the remedy and ownernotification timing will come from the official filing, the risk is straightforward: any exterior component that can shake loose at speed endangers following traffic. This relatively niche accessory makes for a strong consumerinterest hook, but the broader story is the sheer breadth of safety issues this week spans from active safety features and visibility requirements to seatbelt hardware, defrosting systems and even labeling errors on trailers and motorhomes.

The volume leader is Ford, with five separate recalls touching mainstream nameplates and luxury spinoffs: Bronco (25V721) for a loose bolt in the drivers seat frame; Econoline (25V726) for an inoperative defrost/defog system on certain 2026 units; a moonroof wind deflector that may detach affecting Expedition, F150, Super Duty trucks and Lincoln Navigator (25V729); windshield air bubbles that can obscure visibility on the 20252026 Explorer, Lincoln Aviator and Corsair (25V730); and a rear lightbar that may be inoperative on 20222023 F150 Lightning BEV (25V731). The common thread: visibility and exterior component integrity, both core to crash avoidance and compliance with federal standards.

Luxury and performance brands arent exempt. MercedesBenz reports 25V711 for loss of Automatic Emergency Braking on the 2025 AMG G63 and G 580, a reminder that even advanced activesafety suites can face calibration or softwarehardware integration issues. Maseratis 25V722 addresses missing headlight aim adjustment caps (FMVSS 108) across Grecale, GranTurismo and GranCabrio a seemingly small missing part that matters for proper headlight alignment and glare control. BMW and MINI file 25V717 for damaged seatbelt retractors on a wide slate of 2026 models (BMW 228i/228i xDrive/M235i xDrive Gran Coupe, X1, X2; MINI Countryman S ALL4), where restraint performance is directly at stake.

Beyond passenger cars, a number of recreation and commercial vehicles are swept in. REV Recreation Group (25V718) warns of a paddle latch that may unintentionally lock the liquidpropane compartment on certain Fleetwood Fortis and Holiday Rambler Invicta motorhomes (20242026). Forest River has two separate items: XLR Toyhauler (25V727) for a freshwater tank that may detach and Coachmen Catalina (25V728) for tire damage risk from chassis contact. In the heavyduty/commercial space, Isuzu Motors Limited (25V719) covers Isuzu FTR/FVR and Chevrolet 6500XD/7500XD for an axle stabilizer bracket that may detach, with a long modelyear spread (20182026). Trailer makers also appear: CarryOn Trailer (25V734) for incorrect GAWR labeling and Jayco/Entegra (25V736) for reversed axle information on the certification label both reminders that paperwork errors can still rise to recall level when they impede safe loading and compliance.

Finally, Daimler Vans USA (25V725) recalls MercedesBenz Sprinter 2500 (20232024) over an improperly reinforced frame member, while Wartech Engineering (25V724) flags a braking performance issue on SpecialContainer (20222025) equipment. Prevost (25V738) rounds out the week with a wheelchair seatbelt anchor installation that may not meet FMVSS 210 on X345 Commuter (2025) buses a critical accessibility and safety concern for transit operators.

Why it matters: This weeks slate underscores how small parts (caps, latches, labels) and softwareenabled systems (AEB, defrost logic, lighting controls) can have outsized safety implications. For consumers, the practical takeaway is simple: act on recall notices promptly. For fleet and RV owners, several of these issues touch component security and labeling, which directly affect inspection compliance and safe operation.

What owners should do

1. Check your VIN at NHTSAs lookup tool (nhtsa.gov/recalls) and your vehicle makers recall page.

2. Watch your mail/app notifications for an official recall letter. Automakers must notify owners and provide free repairs.

3. Schedule service with an authorized dealer; mention the NHTSA campaign number above.

4. If the defect affects visibility, restraints, or fuel/LP systems, limit driving and park outdoors until repaired, as applicable.

5. Keep documentation of the repair for resale and insurance.

Quick checklist (callout)

• VIN checked at NHTSA

• Campaign number noted

• Dealer appointment booked

• Temporary precautions taken (if visibility/restraints/LP involved)

• Repair completed and paperwork filed

Prevention & safety tips

• Dont ignore warning signs: unusual noises, trim pieces vibrating, lights flickering, or defoggers not clearing quickly.

• Before road trips, visually inspect exterior addons (light bars, wind deflectors, racks) and verify theyre secure.

• For EVs and advanceddriverassist systems, keep software updated and dont rely on AEB/ADAS to compensate for mechanical issues.

• RVs & trailers: confirm GAWR and axle data on the certification label before loading; reweigh after modifications.

• Fleet managers: crossreference VIN lists against your asset register and stage repairs to minimize downtime.

Extended use may be associated with a higher risk of heart failure and death

By Mark Huffman of ConsumerAffairs

• A five-year study of more than 130,000 adults with chronic insomnia linked long-term melatonin use to a higher risk of heart failure, hospitalization, and death.

• The research found melatonin users were about 90% more likely to develop heart failure and nearly twice as likely to die from any cause as non-users.

• The findings are preliminary and have not yet been peer-reviewed, but experts say they raise important safety questions about long-term melatonin use.

A new analysis of more than 130,000 adults with insomnia suggests that long-term use of melatonin supplements often taken to help with sleep may be associated with a higher risk of heart failure and death.

The research, to be presented at the American Heart Associations Scientific Sessions 2025 in New Orleans, reviewed five years of health records and found that people who took melatonin for at least a year were significantly more likely to develop or be hospitalized for heart failure, or die from any cause, compared to those who did not use the supplement.

Researchers found that adults with chronic insomnia who used melatonin long-term had about a 90% higher risk of developing heart failure over five years (4.6% vs. 2.7%). Those with at least two melatonin prescriptions 90 days apart had an 82% higher risk of heart failure than those who never took melatonin.

Hospitalization rates were also notably higher: melatonin users were 3.5 times more likely to be hospitalized for heart failure and nearly twice as likely to die from any cause (7.8% vs. 4.3%) during the study period.

Not as harmless as commonly assumed

Melatonin supplements may not be as harmless as commonly assumed, said Dr. Ekenedilichukwu Nnadi, lead author of the study and chief resident in internal medicine at SUNY Downstate/Kings County Primary Care in Brooklyn, New York. If our study is confirmed, this could affect how doctors counsel patients about sleep aids.

Melatonin, a hormone naturally produced by the body to regulate sleep cycles, has become one of the most popular over-the-counter sleep aids in the U.S. Because its sold as a dietary supplement, its strength and purity are not strictly regulated by the Food and Drug Administration.

Melatonin is not indicated for the treatment of chronic insomnia in the U.S., yet many people take it for extended periods without medical supervision, said Dr. Marie-Pierre St-Onge, chair of the American Heart Associations scientific statement on sleep health. These findings suggest caution may be warranted.

About the study

The study analyzed data from the TriNetX Global Research Network, a large international database of de-identified electronic health records. Researchers examined adults diagnosed with insomnia who had taken melatonin for at least a year and compared them to a matched group of insomnia patients who had never taken the supplement.

Both groups were similar in age, gender, body mass index, and other health conditions. People with prior heart failure or those using other sleep medications were excluded.

While the findings show an association between long-term melatonin use and cardiovascular outcomes, the researchers emphasized that the study cannot prove cause and effect. Other factors, such as depression, anxiety, or the severity of insomnia, could also influence heart health and melatonin use.