THE HUNTINGTON BEACH PIER and the Christ Cathedral in Garden Grove (File photos),

Thinking of a really nice place to retire? Well, relax. You are probably already there.

In a report made public this week by the Employee Benefit Research Institute, Huntington Beach and Garden Grove ranked highly in California as among with best places to put your feet up, grab an iced tea and relax.

As reported by Wallethub.com., Surf City was the fifth best in the Golden State and the Big Strawberry 12th. The study evaluated 40 factors, including affordability, activities, quality of life and health care.

Rankings for other Orange County cities included Irvine (seventh), Anaheim (17th) and Santa Ana (21st).

Nationally, Huntington Beach was rated (90th) and Garden Grove (123rd). California cities scored well in quality of life and health care, but suffered in the affordability metric because of high housing costs.

Across the U.S.A, the top-ranked city was Orlando, Florida. The worst was Newark, N.J. The survey only included the top 150 cities in the U.S. by population.

Here are the top 20 cities to retire in California, as ranked by the EBRI:

1. San Francisco
2. Los Angeles
3. San Diego
4. Sacramento
5. Huntington Beach
6. Long Beach
7. Irvine
8. Glendale
9. Santa Rosa
10. Santa Clarita
11. San Jose
12. Garden Grove
13. Moreno Valley
14. Fremont
15. Riverside
16. Oakland
17. Anaheim
18. Oceanside
19. Ontario
20. Oxnard.