Florida and Texas cities make up half of the top 15 best cities to retire in. Twenty47studio/Getty Images

There are a lot of financial concerns surrounding retirement , and choosing where to live might be one of the biggest challenges.

Unless you've managed to stockpile a large sum of money for retirement, the everyday costs of living could factor into your decision to retire altogether .

US News & World Report analyzed over 850 cities based on quality of life, affordability, healthcare, retiree taxes, job market, and population and migration for retirees 55 and older to rank what cities work best for retirees.

Affordability was a key factor in this year's list, as the pathway to a comfortable retirement isn't smooth for everyone .

"It's no secret that affordability is top of mind for Americans this year, which is why US News updated its weighting criteria to better align with what retirees prioritize," US News & World Report assistant managing editor Megan Wood said.…