Whether you’re buying a starter home or or a place to spend your golden years, much depends on the affordability—and quality of life—of the location.

Cost of living, in fact, is a vital component for those looking for a place to live in retirement. But not the only factor.

In a new report, WalletHub compared the retiree-friendliness of 182 U.S. cities across four key categories: affordability, activities, quality of life and healthcare.

WalletHub noted the Employee Benefit Research Institute’s 2021 Retirement Confidence Survey reported that while seven in 10 workers said they felt somewhat confident they will have enough money to retire comfortably, only three in 10 said they were very confident.

"Retirement isn’t all about the money, though," WalletHub said in its report. "Retirees want to live in a place where they enjoy safety and access to good healthcare, especially in the wake of the COVID-19 pandemic. The ideal city will also have lots of ways to spend leisure time, along with good weather."

Here, in ascending order, are the top 10 best places to retire in 2021.

10. Atlanta

The Big Peach offers a suburban lifestyle within easy commute of big-city attractions; a mild climate; and an affordable cost of living on a fixed income. Atlanta ranks fourth with the most museums per capita; sixth in activities; 47th in affordability; 125th in quality of life; and 139th in healthcare.