Aerial view of Fairhope, Alabama.

6 Top-Ranked Towns In The Southern United States For Retirees

Retirement is a beautiful phase of life where hard-working adults can finally relax, explore, and enjoy simple pleasures. For those searching for a peaceful and welcoming environment to spend their golden years, the southern region of the United States has rich historical opportunities and several delightful small towns perfect for retirees. These towns are filled with natural beauty, rich histories, and various activities that can keep retirees engaged. Here are some of the best places in the South for retirees to live without breaking the piggy bank.

Fredericksburg, Texas

The Main Street in Frederiksburg, Texas.
The Main Street in Frederiksburg, Texas. Editorial credit: Moab Republic / Shutterstock.com

This charming small town is located in the heart of central Texas and is well-known for its unique blend of German heritage and Southern hospitality. Fredericksburg offers a lively cultural scene, with numerous art galleries, wineries, and live music venues. The region is also home to beautiful rolling hills and vineyards that provide ample opportunities for seniors to stay active and engaged. While the median price of a home here is $553,000, the overall cost of living is reasonable, and the crime rate is 2.3 times lower than in other areas of the state. Additionally, with no income tax in Texas, this community is becoming increasingly popular among retirees, who comprise 31% of the town's residents.

History enthusiasts will enjoy visiting the National Museum of the Pacific War, which houses six acres of artifacts, memorabilia, and exhibits. You can also explore the numerous Enchanted Rock State Natural Area trails or spend a pleasant afternoon amidst a field of bluebonnets at Wild Seed Farms. In addition, the town hosts several festivals and events, such as the Wine Lovers or Oktoberfest, offering ample opportunities for socializing and entertainment. If you prefer shopping, the historic Main Street offers plenty of shops, boutiques, and galleries to explore. When you visit, do not miss out on the mouthwatering biscuits and gravy at the Sunset Grill on South Adams. The area boasts over 1500 bed and breakfasts, so you'll have no trouble finding a place to stay for the night.

Oxford, Mississippi

Oxford, Mississippi, in fall.
Oxford, Mississippi, in fall.

Home to the University of Mississippi, Oxford combines the vibrancy of college-town life with Southern hospitality. The town exudes literary charm, being the hometown of William Faulkner. His Rowan Oak home is a must-see, with beautiful grounds and displays. Retirees can explore the town's historic square, attend cultural events, and enjoy the lively atmosphere created by the university. The median price of a home is $359,000, which, along with a low cost of living, safe streets, and excellent access to medical care, makes this community an ideal spot for retirees. 

Although the town revolves around the university, senior adults benefit by being able to take one four-hour class per semester without paying tuition. Sports fans will enjoy attending Vaught Hemmingway Stadium to cheer for the local football team, along with over 64,000 other screaming fans. The downtown square is historic, with buildings from the turn of the century, quaint shops, and boutiques. The City Grocery Restaurant Group, led by award-winning chef John Currence, operates four excellent dining choices: Boure', City Grocery, Big Bad Biscuit, and Snackbar. Try the Oliver Hotel of Oxford, a charming red-brick hotel with nice amenities for a pleasant bed and breakfast. 

St. Simons Island, Georgia

St. Simons Island lighthouse.
St. Simons Island lighthouse.

A coastal gem, St. Simons Island offers retirees a relaxed and scenic retreat. The island is a haven for those seeking natural beauty with its moss-draped oak trees, sandy beaches, and charming village atmosphere. Retirees can engage in golf, fishing, and beachcombing while the island's tight-knit community provides security. The cost of living is moderate, making it an attractive destination for retirees. The median price for a home is $799,000, and with 37.4% of the residents being 65 years or older, plenty of services are available. 

The island has a rich history of rice plantations, but today, it is a golfer's paradise. Enjoy several championship golf courses, miles of biking trails, great fishing, and excellent restaurants. History buffs will want to tour the St. Simons Lighthouse Museum or the Fort Fredericka National Monument commemorating one of the first British colonies in America. East Beach is wide, sandy, well-maintained, and perfect for strolling or a day of frolicking in the water when the grandkids visit. If you need a bite to eat, there are many restaurants to choose from, but Georgia Sea Grill is an upscale fine dining spot that is a favorite with locals. The Lodge on Little St. Simons Island is a top-rated bed and breakfast worth seeking.   

Fairhope, Alabama

The waterfront in Fairhope, Alabama.
The waterfront in Fairhope, Alabama.

Fairhope, a town on the eastern shore of Mobile Bay, is an ideal location for retirees looking for a peaceful lifestyle. The town has well-maintained parks, picturesque bay views, and a lively arts community. The cost of living is affordable, and the crime rate is low. Residents can enjoy festivals and farmers' markets while admiring the stunning sunsets of the Gulf of Mexico. The median price for a new home is very reasonable at $379,000. With a significant senior community comprising 25.6% of the population, older adults can find the companionship and sense of belonging they need. 

The Municipal Pier and Boardwalk offer great spots for fishing or admiring a beautiful Southern sunset. Fairhope Avenue is the main street that runs through the community, filled with locally-owned businesses and restaurants. Don't forget to visit one of the many antique stores along the street, such as Southern Antiques and Accents. Gambino's Italian Grill, a local institution for over 30 years, is one of the best Italian places in the region. For a more casual dining experience, you can try Panini Pete's, a sandwich shop with fantastic outdoor seating and an excellent menu. If you're looking for a luxurious stay, Jubilee Suites is an upscale B&B with a private beach. 

Destin, Florida

Aerial view of Destin, Florida.
Aerial view of Destin, Florida.

Destin, Florida, stands out as a top small town for retirees due to its idyllic coastal setting and amenities catering to an enjoyable lifestyle. With its stunning white-sand beaches and emerald-green waters, the town's mild climate allows for outdoor activities year-round. Enjoy strolls along the beach to boating excursions in the Gulf of Mexico. Additionally, Destin offers championship golf courses and nature and biking trails. Henderson Beach State Park is an exquisite place to rest in the sun with a good book. The many trails ensure retirees have ample opportunities to stay active and engaged in the community.

The median home price is just over $600,000, and the crime rate is slightly lower than other areas in the state. With excellent access to medical care along the Gulf, Destin is becoming a retirement community of choice for many retirees, who make up 18.8% of the residents. 

Destin provides retirees with a welcoming and friendly community atmosphere. The town features a vibrant arts and cultural scene, with local galleries, live music venues, and community events that create a sense of connection among residents. There are more restaurants than you can imagine, but one of the favorites among locals is Dewey Destin's Seafood Restaurant, which has outdoor seating and some of the prettiest views of the Gulf. Order at the window, then sit because this place serves some great seafood.

Hendersonville, North Carolina

Hendersonville, North Carolina
Aerial view of Hendersonville, North Carolina.

Hendersonville, North Carolina, stands out as an ideal haven for retirees seeking a peaceful and charming place to spend their golden years. Sitting in the Blue Ridge Mountains, Hendersonville boasts breathtaking natural beauty with its proximity to the Great Smoky Mountains National Park. The Park offers numerous trails and wildlife viewing opportunities, so there are plenty of outdoor activities to keep seniors living vibrant and healthy lives. The city's dedication to preserving its historic downtown adds charm, providing retirees with a welcoming community and a vibrant cultural scene.

Hendersonville is a great place for retirees as the state does not tax social security or Railroad pension income. This helps retirees to maximize their monthly budgets. The average price for a home in Hendersonville is $430,000, and the relatively low cost of living also helps make it an affordable option. The city has numerous healthcare facilities, ensuring top-notch medical care for retirees. The low crime rate and friendly local community also contribute to a sense of safety and belonging.

If you visit, eat at Postero, a casual dining establishment with well-crafted cocktails and tasty food. For a change of pace, Binion's Roadhouse is about as good as it gets. When you stay, the 1898 Inn is a nostalgic bed and breakfast.

Retiring in the South offers a unique blend of natural beauty, affordability, safety, and community. The six small towns mentioned each have their distinct charm, making them ideal destinations for those seeking a fulfilling and peaceful retirement. Whether enjoying coastal views, mountain landscapes, or cultural experiences, these towns offer retirees the chance to savor the best of Southern living.

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