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Destin Retirement Guide

by Andrew Selby | Updated: October 18, 2022

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Commonly referred to at “The World’s Luckiest Fishing Village,” Destin is located on a small peninsula along the Florida panhandle about halfway between Panama City and Pensacola. This area of Florida is known as the Emerald Coast because of the crystal clear green water of the Gulf of Mexico.

In addition to its beautiful waters, Destin is also known for its stunning white sand beaches. And as a popular tourist destination, there are a nearly unlimited number of things to do when it comes to attractions, golfing, shopping, and dining. The luckiest fishing village in the world is also known for…you guessed it…outstanding fishing.

Destin History

Destin was named after Leonard Destin, who was a fisherman that settled here sometime between 1845 and 1850. The area was originally a barrier island, but became more of a peninsula as hurricanes have built up a connection the the mainland over the years.

The Destin area began to see rapid population growth in the early 1980s after condominiums began popping up in the 1970s.

Cost of Living in Destin

The cost of living in Destin is a bit higher than the average for Florida, driven in large part by higher home prices.

At the time of this writing Destin has a cost of living index of 119, with the national average being a baseline of 100. You can see what it costs to live in other popular Florida retirement cities here.

Destin Weather

Compared to a lot of other parts of Florida, Destin will definitely give you that little taste of “four seasons”. Here’s a look at the average low and high temperatures in Destin throughout the year:

MonthAvg. LowAvg. High
January4662
February4964
March5470
April6176
May6982
June7588
July7789
August7790
September7387
October6480
November5471
December4864
Avg. temps in degrees Fahrenheit. Source: NOAA

Destin Lifestyle

Powdery white sand beaches are just one aspect of the Destin lifestyle.
Powdery white sand beaches are just one aspect of the Destin lifestyle.

Because of its reputation as a tourist destination, there is pretty much always something to do here in Destin. The community features 21 really outstanding golf courses, and there are more than 40 different companies that offer fishing charters. Between all of those activities, you could spend years fishing and golfing right here in Destin without ever getting bored.

Keeping with the tourist-focused theme, another one of the most popular activities in Destin is kicking back and relaxing on one of the beautiful, powdery white sand beaches.

If you are looking for a bit of history or culture, you should definitely check out the Destin History & Fishing Museum or take in a performance at The Funky Blues Shack.

Destin Shopping

The best shopping in Destin can be found at Destin Commons or Silver Sands Premium Outlets. Destin Commons is the place to find all kinds of unique little boutique shoppes to explore, while the Silver Sands Premium Outlets focus more on the name brand stores you would expect to find at any major outlet mall.

Destin also has a really great lineup of antique stores like Antiques on Holiday, Smith’s Antique Mall, and Clements Antiques of Florida.

Destin Dining

Boshamps Oyster House in Destin
Boshamps Oyster House in Destin

Since Destin is located along the panhandle, there is definitely plenty of New Orleans influence on the local cuisine. Restaurants like Boshamps Oyster House and Louisiana Lagniappe specialize in delicious Cajun/Creole food that will have your mouth watering.

One of the most popular restaurants in town is Dewey Destin Seafood, which is a super casual seafood joint located on a pier out over the harbor. Two of the most popular items here are the soft shell crab sandwich and the spicy crab legs. They are also known for their Steamed Royal Reds Shrimp.

You can search other great Destin area restaurants here.

Destin Area Communities

Want to make this area your forever home? There's a Latitude Margaritaville 55+ community not too far from Destin:

Located on Northwest Florida’s Emerald Coast between Pensacola & Panama City, Latitude Margaritaville Watersound is the 2nd Jimmy Buffett inspired 55+ community in Florida, and the 3rd one overall when you include Latitude Margaritaville Hilton Head.

The list of amenities coming to Latitude Margaritaville Watersound is very similar to what we’ve seen in other Latitude Margaritaville communities. Home prices start in the $300k’s.

Get More Information About Latitude Margaritaville Watersound

But if you'd prefer to live in Destin itself, there are plenty of options including condos, townhouses, and single family homes. Just fill out this form for more info:

Fill out my online form.

Final Thoughts

The Destin area offers the ideal small town beachfront community setting that is absolutely perfect for anyone who is passionate about fishing, golfing, or just relaxing on the beach. If you are looking for a retirement destination where every day feels like a vacation, Destin is a great place to start.

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