Are you dreaming of a slower pace, scenic surroundings, and a comfortable cost of living? Retirement in North Carolina may just be the perfect next chapter. Whether you’re moving to North Carolina for the first time or simply relocating within the state, it’s easy to see why so many choose it as their ideal retirement destination.
With its mild climate, access to the beautiful Blue Ridge Mountains, and a variety of welcoming retirement communities in North Carolina, the Tar Heel State truly has something for everyone. When it comes to the best places to retire in North Carolina, there are lots to choose from.
North Carolina also offers financial perks for retirees. While it does tax retirement income, there’s no tax on Social Security benefits, which helps you stretch your budget further. Combine that with a relatively low cost of living, and you’ve got the ingredients for a happy, stress-free retirement! From charming mountain towns to bustling cities, we’ll highlight the best places to retire in North Carolina and help you discover the best place to retire in North Carolina based on your lifestyle preferences.
Once you find the perfect place to live, our senior movers can have you settled in no time!
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Is North Carolina a Good Place to Retire?
Why retire in North Carolina? For many, the answer lies in the natural beauty, affordable cost of living, and retiree-friendly tax policies. From scenic Blue Ridge Parkway drives to thriving arts communities and top-rated North Carolina hospitals, there’s a reason North Carolina is consistently ranked among the great states to retire in.
Let’s take a closer look at what makes the best places to retire in North Carolina so great.
Tax Benefits for Retirees
One of the top reasons people retire to North Carolina is the tax landscape. The state offers significant advantages that help stretch your retirement savings.
- Social security income is not taxed
- Retirement income from pensions, 401(k)s, and IRAs is taxed at the state’s flat income tax rate of 4.75%, which is lower than many other states.
- Property taxes in North Carolina are also relatively low compared to the national average. Additionally, residents aged 65 and over may qualify for exemptions or deferrals through the Homestead Exclusion or Circuit Breaker Tax Deferment programs.
Comfortable Climate
The climate in North Carolina is a major draw, especially for retirees seeking four mild seasons. Winters are generally short and manageable, while spring and fall bring colorful foliage and plenty of flowers. Many consider the best NC mountain towns to retire in, thanks to cooler summers, fresh air, and the amazing views.
Retirement Communities and Cost of Living
North Carolina is home to a growing number of 55+ neighborhoods and retirement communities, especially in areas like Asheville and Charlotte. These communities often include amenities such as golf courses, fitness centers, clubhouses, and access to medical care.
The state also boasts a cost of living that’s below the national average. The North Carolina Cost of Living Index is 91, making it 9% more affordable than the national average of 100.
Access to Healthcare
Access to quality healthcare is important in retirement, and the best places to retire in North Carolina do not disappoint. The state is home to several top-rated North Carolina hospitals, including Duke University Hospital, UNC Medical Center, and Atrium Health.
What Age Can You Retire in NC?
Before retiring to a city in North Carolina, you may be curious about the official retirement age. While the official age to receive Social Security benefits depends on your birth year, many people choose to retire to North Carolina in their early 60s or even earlier, thanks to its affordability. However, if you were born in 1960 or later, you can start collecting full Social Security retirement benefits at age 67.
The Best Places to Retire in North Carolina
These are all of the best places to retire in North Carolina.
Asheville | One of the Best Places to Retire in North Carolina With Natural Beauty
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Asheville is often named the best place to live in North Carolina for retirees, thanks to its mountain beauty and small-town feel with big-city amenities. Situated in the Blue Ridge Mountains, it offers homes with incredible views, art galleries, farmers markets, and countless hiking trails. Retirees enjoy easy access to healthcare and a relaxed pace of life, perfect for enjoying their retirement years.
- Population: 94,489
- Share of population 65+: 19.2%
- Crime rate: 6,071 crimes per 100,000 people (145.9% higher than state average and 161.2% higher than national average)
- Average home price: $547,500
Charlotte | Perfect for Those Who Want to Spend Their Retirement Years in a Bigger City
Charlotte is one of the best places to retire in North Carolina for those seeking a big-city atmosphere with plenty of amenities. Retiring in Charlotte NC offers access to top-notch healthcare options, including excellent Charlotte nursing homes for added peace of mind.
The city boasts numerous performing arts venues and museums like the Charlotte Museum of History and The Mint Museum, making it easy to stay active and engaged during your retirement years. As one of the best places to retire in NC, Charlotte also offers plenty of options for both homeowners and renters.
- Population: 874,579
- Share of population 65+: 10.8%
- Crime rate: 4,121 crimes per 100,000 people (66.9% higher than state average and 77.3% higher than national average)
- Average home price: $420,000
Winston-Salem | One of the Best Places to Retire in North Carolina for Retirees on a Budget
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Winston-Salem is one of the best places to retire in North Carolina thanks to its small town feel paired with plenty of activities. With an average home price of just $280,500, it offers a low cost of living that appeals to many older adults. Retirees can explore the Reynolda House Museum of Art, stroll through Tanglewood Park, or enjoy performances at the Stevens Center.
- Population: 249,545
- Share of population 65+: 14.8%
- Crime rate: 5,069 crimes per 100,000 people (105.3% higher than state average and 118.1% higher than national average)
- Average home price: $280,500
Raleigh | One of the Best Places to Retire in North Carolina for Healthcare
Raleigh, one of the largest cities in North Carolina, is often ranked among the best places to retire in North Carolina. Located in the popular Research Triangle, retirees benefit from easy access to top medical care and educational resources like Duke University. The city is filled with museums, parks, and annual events, allowing you to stay engaged and meet new people. You can explore places like the North Carolina Museum of Art or get outdoors and take a walk at William B. Umstead State Park.
- Population: 467,655
- Share of population 65+: 11.7%
- Crime rate: 2,834 crimes per 100,000 people (14.8% higher than state average and 21.9% higher than national average)
- Average home price: $435,500
The Haven at Riverlights | One of the Best 55+ Communities in North Carolina
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If you’re looking for North Carolina retirement communities, check out The Haven at Riverlights. This community is located in Wilmington, which is one of the best places to retire in North Carolina. As the best place to retire in North Carolina, this community offers low-maintenance ranch-style homes situated along the Cape Fear River. The community is only 10 miles from Carolina Beach, making it one of the best NC coastal towns to retire.
In addition to the amazing homes, you can enjoy access to a state-of-the-art clubhouse complete with a pool, fitness center, pickleball courts, and a fire pit. The community also features 500 acres of open space with trails, parks, and wetlands.
- Population (Wilmington): 115,451
- Share of population 65+ (Wilmington): 17.8%
- Crime rate (Wilmington): 3,398 crimes per 100,000 people (37.6% higher than state average and 46.2% higher than national average)
- Average home price: Starting at $400,990
Chapel Hill | One of the Best Places to Retire in North Carolina for Retirees Interested in Higher Education
Chapel Hill is often ranked among the best places to retire in North Carolina thanks to its charming college town atmosphere and abundance of cultural attractions. Ideal for enjoying your golden years, Chapel Hill offers beautiful walking trails and world-class performances at the Memorial Hall. Retirees can enjoy the nearby North Carolina Botanical Garden or attend lectures and events at the University of North Carolina. This is also one of the safest places to retire in North Carolina, with a low crime rate that is below both the state and national average.
- Population: 61,960
- Share of population 65+: 12.5%
- Crime rate: 2,174 crimes per 100,000 people (11.9% lower than state average and 6.5% lower than national average)
- Average home price: $600,750
Greensboro | Great Choice for Residents Looking for Affordable Housing
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If you’re looking for the best places to retire in North Carolina, then check out Greensboro. One of the key benefits of this fantastic city is its affordability, with median home prices sitting around $284,000. The area features mostly single-family homes, with a few condos and apartment complexes sprinkled in.
The city features parks like the Greensboro Arboretum, cultural attractions like the Weatherspoon Art Museum, and plenty of fun year-round community events. Retirees can also enjoy local golf courses, walking trails, and access to quality healthcare at places like Kindred Hospital and Select Specialty Hospital.
- Population: 299,035
- Share of population 65+: 13.9%
- Crime rate: 4,605 crimes per 100,000 people (86.5% higher than state average and 98.1% higher than national average)
- Average home price: $284,000
Hickory | Often Considered the Best Place to Retire in North Carolina
Hickory, a midsize city located at the foothills of the Blue Ridge Mountains, is a great place for retirees seeking an activity-filled lifestyle. Often listed among the best places to retire in North Carolina, Hickory offers affordable living and a convenient location just an hour from both Charlotte and Asheville.
Spend your days strolling along Lake Hickory’s scenic waterfront trails, visiting the Catawba Science Center, or exploring the Hickory Museum of Art. The city also has plenty of modern amenities, and you can easily access grocery shopping, retail stores, and more in just a few minutes.
- Population: 43,490
- Share of population 65+: 16.6%
- Crime rate: 4,031 crimes per 100,000 people (63.3% higher than state average and 73.4% higher than national average)
- Average home price: $309,000
Map of the Best Places to Retire in North Carolina
Check out this map of the best places to retire in North Carolina.
Let Make A Move Help You Get Settled
The best places to retire in North Carolina won’t disappoint! Once you’ve found the best place to retire in North Carolina for your needs, it’s time to get in touch with our top-rated North Carolina movers.
Make A Move is the best moving company around, and we are here to make your moving experience a great one. Give us a call today at (704) 378-8588 to get started with a free quote!
