A Boston scene Jean-Pierr Lescourret | Getty Images

When it comes to living the lifestyle they imagined, today's retirees spend a lot of time worrying about how they will afford their golden years. To that end, a new report by GOBankingRates determined the neighborhoods where they could stretch their dollars the furthest, without sacrificing their quality of life. The personal finance website ranked the top spots for retirement — all in or near major U.S. cities — based on median home prices, concentration of other retirees, crime rate, weather and proximity to amenities such as restaurants, shopping, coffee shops, public transportation, libraries and parks.

While half of the top spots are in Southern states — and three are in retirement favorite Florida — there are a few surprises, including two neighborhoods that are a stone's throw from Manhattan and one within the city of Boston. The spots at the very top of the list offered the biggest bang for the buck without being too far from downtown. That makes it possible for retirees to enjoy all the benefits of living close to a major metropolis without sacrificing their hard-earned savings. "The idea is that you can have city amenities and still live in a neighborhood," said Gabrielle Olya, a senior writer at GoBankingRates. Here is the top 10:

10. West Roxbury, Massachusetts

Location: Less than 10 miles outside of Boston

City's median listing price: $709,950

Neighborhood's median listing price: $572,450

9. Wolf Creek, Texas

Location: 200 miles outside of Dallas

City's median listing price: $385,000

Neighborhood's median listing price: $169,900

8. Coral Way, Florida

Location: 8 miles west of downtown Miami

City's median listing price: $480,000

Neighborhood's median listing price: $430,000

7. Loretto, Florida

Location: Less than 20 miles south of Jacksonville

City's median listing price: $210,000

Neighborhood's median listing price: $185,000

6. Kingwood, Texas

Location: 30 miles north of Houston

City's median listing price: $325,000

Neighborhood's median listing price: $294,900

5. Torresdale, Pennsylvania

Location: Less than 13 miles from downtown Philadelphia

City's median listing price: $214,900

Neighborhood's median listing price: $174,900

4. Bayside West, Florida

Location: Within the city limits of Tampa

City's median listing price: $309,900

Neighborhood's median listing price: $233,900

3. Forest Hills, New York

Location: Less than 15 miles east of Manhattan

City's median listing price: $825,000

Neighborhood's median listing price: $495,000

2. Windsor, Colorado

Location: 59 miles north of Denver

City's median listing price: $465,000

Neighborhood's median listing price: $224,900

1. Spuyten Duyvil (in The Bronx), New York