Based on a retirement survey by HireAHelper, in 2024, about 258,000 retirees in the U.S. relocated after retiring, significantly higher than the general population’s relocation rate. Interestingly, 32.2% of those retirees who moved in 2024 crossed state lines, nearly double the rate of the average American mover.
If you’ve ever dreamed of retiring somewhere charming, peaceful, and budget-friendly—with maybe a few fun extras thrown in—good news: these towns want you there. Seriously, from tax breaks to cash incentives to free land (yes, free), some places are practically rolling out the red carpet for retirees.
Retirement doesn’t have to mean slowing down—it can just as well mark the start of a new chapter where you are genuinely appreciated. Let’s check out 17 towns that shout, “Come on over—we’ve already saved you a spot!”
Bentonville, Arkansas
Bentonville, the birthplace of Walmart, is better known than ever for its Crystal Bridges Museum and its many miles of scenic biking trails. Retirees in this city benefit from low property taxes, a growing arts scene, and no state tax on Social Security. The average property tax is about $658 per $100,000 in home value, well below the national average.
The overall cost of living in Bentonville is 4% lower than the national average, Payscale reports. The community attracts newcomers with its “Life Works Here” initiative, offering monetary incentives to help them relocate. A small-town setting offers major benefits—and a generous helping of nature to boot.
St. George, Utah
Sick of icy driveways and snow shovels? St. George averages 255 days of sunshine each year, higher than the national average of 205. Surrounded by Zion National Park, this desert jewel repeatedly wins retirees over with its perfect climate, abundant outdoor recreation, and low crime rate.
Another financial perk for many retirees is that the state no longer taxes Social Security benefits. Picture desert mornings filled with golf courses and red rocks.
Beaufort, South Carolina
Voted one of the best small towns in the U.S., Beaufort mixes history, saltwater air, and Southern hospitality. Retirees come here for its gentle winters, pedestrian-friendly downtown, and no tax on Social Security income.
The town goes so far as to offer a dedicated program aimed at drawing remote workers and retirees to settle there. In addition, shrimp and grits simply taste better when you’re eating them on the porch.
Traverse City, Michigan
Do you love lakes and local wine? Traverse City puts it all together—lakes and wineries, cherry orchards and striking seasons, plus a bustling arts scene. Michigan does not tax Social Security benefits at the state level, and numerous retirement communities in the state offer spectacular lakefront views.
The city has likewise garnered top marks in terms of overall quality of life and senior healthcare. Enjoying four well-defined seasons and a host of walkable neighborhoods, it strikes an ideal balance of peace and liveliness. And, yes, the fall foliage is every bit as good as everyone says.
Athens, Georgia
Bordering the University of Georgia, Athens unites college-town momentum with a lifestyle that caters to retirees. Seniors often attend concerts, lectures, and sporting events with special discounts.
Georgia’s tax breaks for retirees make the state that much more enticing. And the culinary scene? Chef’s kiss. You’ll regain the energy of a twenty-year-old without ever having to stay up all night.
Tulsa, Oklahoma
Tulsa made headlines for reimbursing residents who relocated to the area. Though the program is chiefly for remote workers, retirees still enjoy the city’s friendly tax policies and modest cost of living. Oklahoma exempts Social Security income from taxation, and its housing prices stay well below the national average.
Oklahoma’s median home sale price is around $242,200, while the national median is approximately $420,400, making homes in Oklahoma about 42.4% more affordable, as Consumer Affairs highlights. Additionally, with an average rent of $1,058, Oklahoma has the 3rd lowest rent in the U.S., saving renters about 17% compared to the $1,274 national average.
The arts and music scene is thriving, and healthcare excellence is first-rate. Bonus: It’s always just a short drive to a lakeside casting spot or to a foot-stomping live show.
Harlingen, Texas
In the Rio Grande Valley, Harlingen boasts one of the nation’s most affordable costs of living. Texas has no state income tax, which is great for retirees living off pensions or Social Security.
Winters are mild, the community is bilingual, and the town is close to both beaches and excellent healthcare. It’s likewise popular with snowbirds that decide to remain year-round once they grow entranced by the pace. In other words, you can get more bang for your buck while watching a Gulf sunset.
Morgantown, West Virginia
Despite its “college town” moniker, Morgantown proves to be surprisingly popular among retirees. Why? Taxes are low, the people are friendly, and all of West Virginia University’s cultural offerings and medical services are within easy reach.
Seniors in the state have access to several programs that lower property taxes. Property taxes in West Virginia are among the lowest in the U.S., with an average effective rate of 0.55%. That’s 46.1% lower than the average of the U.S. (1.02%).
Add on riverside parks and Appalachian charm, and you’ve found yourself a beautiful (and affordable) destination for retirement. And on just about every corner, you’ll spot a coffee shop, because of priorities.
Bella Vista, Arkansas
Bella Vista appears to have been designed specifically for retirees. Within the community are seven golf courses, innumerable walking trails, and several lakes perfect for boating and fishing. Property taxes are low, and once more—Arkansas levies no state tax on Social Security.
It’s a year-round resort, except without the accompanying resort prices. Yes, you’ll find new friendships quickly—close to half the residents are over 60.
Pittsburgh, Pennsylvania
Surprised? Quietly, Pittsburgh is attracting retirees for its first-rate healthcare, pedestrian-friendly neighborhoods, and newly revitalized riverfront districts.
Pennsylvania is one of the most tax-friendly states for retirees. It fully exempts Social Security benefits, 401(k) withdrawals, IRA distributions, and pension income (for residents aged 60 and older) from state income tax.
Real estate prices stay well below the national average, while the cultural offerings (museums, music, theater) are first-rate. It’s perfect if you want a city vibe without draining your savings. Plus, who doesn’t want a good pierogi?
Greenville, South Carolina
Endowed with a beautiful downtown, lush parks abounding in waterfalls, and a foodie scene that surpasses all expectations, Greenville glows as a Southern star. South Carolina exempts Social Security from taxation, and the state extends sizable deductions on retirement income.
Retirees adore the town’s walkability, its mountains nearby, and the lively groups for seniors. Bonus: A free trolley circulating through the downtown will leave you feeling like you’re starring in a Hallmark movie. Indeed, it’s every bit as adorable as it seems.
Prescott, Arizona
Situated 5,000 feet above sea level, Prescott avoids the worst of Arizona’s heat while still offering mild winters. Retirees adore the town’s history, its mountain vistas, and its vibrant downtown square. Arizona exempts Social Security benefits from taxation, and its healthcare choices are reliable.
Anyone who relishes the outdoors enjoys hiking and lakeside access available year-round. It keeps the best desert charm—and none of the oven-baking heat.
Savannah, Georgia
In essence, Savannah is a postcard—complete with cobblestone lanes, silvery Spanish moss, and all. Georgia sits among the most retiree-friendly states, granting its seniors generous income-tax breaks.
Additionally, Savannah’s pleasant climate and vibrant cultural life ensure that it remains an entertaining destination at all times. There will always be walking tours, jazz concerts, and ghost stories to keep you entertained. It’s a real-life Southern novel but with superior healthcare.
Sioux Falls, South Dakota
Consistently rated one of the top states for retirement, South Dakota has Sioux Falls as its brightest jewel. The state levies no income tax, and its healthcare is terrific—given its size. Zillow notes that the median home price in Sioux Falls is $332,129, significantly lower than the national median of $441,526—a difference of nearly 25%.
Housing is reasonably priced, the economy is robust, and its winters (though chilly) are already well-equipped. The city boasts more than 80 parks and miles of scenic bike trails. If you’re all about tranquility, pragmatism, and a dash of nature, it ticks every box.
Lewiston, Maine
Lewiston offers small-town calm with easy access to Portland and beautiful coastal areas. Although Maine’s tax climate is mixed, Lewiston counterbalances that with its affordability and ready access to outstanding healthcare.
Outdoor enthusiasts will savor its rivers, trails, and comfortably chilly winters. It’s the sort of place where your neighbors can actually call you by name. Pack your snow boots and ready your sense of calm.
The Villages, Florida
It’s no longer simply a retirement hub; it’s an actual lifestyle brand. Florida’s best-known retirement enclave, The Villages, features golf-cart-friendly roads, dance parties galore, and more than 3,000 social clubs. It scores 97.9 on the BestPlaces Cost of Living Index—2.1% below the U.S. average and 5% below Florida’s average.
The absence of a state income tax in Florida has earned the state the reputation of a financial haven for many. Yes, it’s lively and a bit quirky, but also endlessly entertaining. When it comes to action, this place delivers.
New Bern, North Carolina
Situated where the Neuse and Trent rivers converge, New Bern showcases breathtaking vistas, Southern hospitality, and a wealth of colonial heritage. North Carolina offers retirees tax incentives and affordable housing options that stay within budget.
The town is easy to walk through, warmly welcoming, and abounds in cultural events and waterfront parks. The place isn’t swarming with tourists, but it still offers a multitude of activities. In essence, it offers coastal living, minus the coastal crowd.
KEY TAKEAWAYS
- These towns offer way more than just peace and quiet. Free land, relocation incentives, and ready-made social scenes, coupled with senior-friendly amenities, have retirees practically falling in love and staying put for the long haul.
- Low taxes = high appeal. Numerous of these locales leave Social Security (and even all retirement income) untouched, allowing your nest egg to grow and perhaps even thrive. Florida, Georgia, and Pennsylvania, we recognize you.
- Small-town charm meets big-time perks. There’s a place on this list ready to roll out the welcome mat, whether you’re craving scenic hikes, lakeside strolls, foodie adventures, or endless sunshine.
- Retirement doesn’t mean slowing down—it means starting fresh. These towns aren’t just budget-friendly, they’re also community-driven, culturally vibrant, and eagerly welcoming (and you’ll likely get a potluck invitation).
Disclaimer – This list is solely the author’s opinion based on research and publicly available information. It is not intended to be professional advice.
How Total Beginners Are Building Wealth Fast in 2025—No Experience Needed
How Total Beginners Are Building Wealth Fast in 2025
I used to think investing was something you did after you were already rich. Like, you needed $10,000 in a suit pocket and a guy named Chad at some fancy firm who knew how to “diversify your portfolio.” Meanwhile, I was just trying to figure out how to stretch $43 to payday.
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Let me paint a picture. I was standing in the cereal aisle, scanning the shelves for my childhood favorite—those colorful little rings bursting with artificial fruit flavor. I hadn’t bought them in years, but nostalgia hit hard. Then I noticed something new on the label: “Now with no artificial dyes.”
12 Everyday Grocery Store Favorites Now Pack Banned Additives
