North Carolina is an attractive state for retirees and its low taxes allow you to stretch your savings. Undiscovered beaches let you enjoy a leisurely coastal retirement without a massive Florida or California price tag. Plus, vibrant cities give you an exciting place to spend your time.
NewHomeSource found the top 10 cities to retire in North Carolina. Finding the perfect place for this amazing chapter in your life means investing in your quality of life and your future.
Top 10 Cities to Retire in North Carolina
1. Lumberton
Percentage of the Population Over 65: 16.8%
Median Home Price: $140,100
Number of Hospitals Within 25 Miles: 3
Most Recent Number of Violent Crimes: 379
Most Recent Number of Nonviolent Crimes: 2,260
Lumberton is an excellent choice for retirees seeking affordability, charm, and a relaxed lifestyle. Nestled along the scenic Lumber River, this welcoming community offers a lower cost of living compared to the national average and other parts of North Carolina, making it an attractive option for those on a fixed income. With a slower pace of life, a strong sense of community, and easy access to larger cities like Fayetteville and Wilmington, Lumberton provides the perfect balance between small-town living and urban conveniences.
Lumberton’s natural beauty and outdoor recreation are great perks. The Lumber River, a designated National Wild and Scenic River, offers opportunities for kayaking, fishing, and peaceful riverside strolls. Luther Britt Park, a local favorite, provides scenic walking trails, fishing lakes, and picnic areas. Nearby, state parks like Jones Lake and Lumber River State Park offer even more ways to connect with nature and enjoy North Carolina’s mild climate year-round.
Safety is always a priority for retirees, and while Lumberton has areas that have seen improvements, the community continues to focus on growth and revitalization efforts. Many neighborhoods offer quiet, close-knit environments that make residents feel right at home. Access to quality healthcare is found at Southeastern Regional Medical Center.
Local events like the annual Lumbee Homecoming, celebrate the area’s rich Native American heritage. Don’t miss performances at the Carolina Civic Center Historic Theater. The Robeson County History Museum and nearby wineries provide engaging ways to spend leisure time. For those 55 and older, the community’s active senior centers and recreational programs offer a great way to stay socially connected.
Retirees looking for a peaceful, budget-friendly place with Southern hospitality and access to outdoor recreation will find that Lumberton stands out from other North Carolina destinations. Lumberton is a great place to spend your golden years.
2. Wesley Chapel
Percentage of the Population Over 65: 13.2%
Median Home Price: $493,900
Number of Hospitals Within 25 Miles: 11
Wesley Chapel has a peaceful, small-town atmosphere with easy access to the amenities of nearby Charlotte. This charming suburb in Union County is known for its strong sense of community, beautiful landscapes, and high quality of life. Retirees looking for a quiet, yet convenient location will appreciate Wesley Chapel’s balance of rural beauty and suburban comfort.
This community attracts retirees for its affordable cost of living, access to healthcare professionals, and low crime rate. Wesley Chapel is more affordable compared to other parts of North Carolina and the national average. The cost of living is lower than in nearby Charlotte, particularly in housing and property taxes, making it an attractive option for retirees looking to stretch their savings. The area is also considered very safe, with low crime rates and a welcoming environment, providing peace of mind for those looking to settle into a relaxed retirement.
Wesley Chapel offers a variety of attractions and activities that appeal to those 55 and older. Shopping and dining options are abundant in the nearby Weddington and Monroe areas, while cultural experiences, theaters, and medical facilities are just a short drive away in Charlotte. The town is also home to Wesley Chapel Stouts Park, a local favorite for walking, picnicking, and community events. For more outdoor recreation, Cane Creek Park and Andrew Jackson State Park provide hiking trails, fishing spots, and scenic picnic areas, making it easy for retirees to stay active and enjoy nature.
Wesley Chapel stands out as one of the best places to retire in North Carolina. Give it some serious consideration for a retirement location.
3. Kinston
Percentage of the Population Over 65: 24.1%
Median Home Price: $108,300
Number of Hospitals Within 25 Miles: 2
Most Recent Number of Violent Crimes: 172
Most Recent Number of Nonviolent Crimes: 741
Kinston, North Carolina, known as the “Cultural District of Eastern North Carolina provides a laid-back retirement. Located along the Neuse River, Kinston provides retirees with a warm climate and a cost of living well below the national average. Compared to other parts of North Carolina, housing prices and everyday expenses are more affordable, making it an attractive destination when on a fixed income.
Kinston has a unique blend of history, culture, and Southern hospitality. The area has undergone a revitalization in recent years, bringing new life to its historic downtown, where retirees can enjoy local restaurants, art galleries, and boutique shopping. Safety in Kinston is improving, with ongoing community efforts to enhance security and public spaces, creating a more welcoming environment for residents.
Noteworthy attractions in Kinston include the CSS Neuse Civil War Interpretive Center, which offers a glimpse into the town’s rich history. The city is also home to the Kinston Music Park and the Neuseway Nature Park, providing both cultural and outdoor experiences. For retirees, Kinston offers a slower pace of life, excellent healthcare facilities, and a strong sense of community, making it an ideal place to settle down.
Entertainment options in Kinston include the historic Grainger Stadium, home to the Down East Wood Ducks baseball team, as well as seasonal festivals and events that bring the community together. The area’s mild climate makes it perfect for outdoor recreation, with access to parks like Pearson Park and the Neuse River Trail for walking, fishing, and boating. Nearby Cliffs of the Neuse State Park offers scenic hiking trails and picnic spots, ideal for enjoying North Carolina’s natural beauty.
With its welcoming atmosphere, growing amenities, and easy access to both the coast and larger cities like Raleigh, Kinston provides the perfect balance of relaxation and engagement for an enjoyable retirement.
4. Eden
Percentage of the Population Over 65: 16.5%
Median Home Price: $122,800
Number of Hospitals Within 25 Miles: 3
Most Recent Number of Violent Crimes: 72
Most Recent Number of Nonviolent Crimes: 430
Eden is a charming small town outside Greensboro. If you’re looking to enjoy peace and quiet during your retirement, Eden will be the perfect paradise for you. Retirees love Eden’s low cost of living, affordable median home prices, and low crime rate.
The “Land of Two Rivers,” is located in Rockingham County near the Virginia border. Eden offers small-town charm with easy access to larger cities like Greensboro and Winston-Salem. The cost of living is significantly lower than the national average, making housing, utilities, and healthcare more budget-friendly than in many other parts of the state. Retirees can stretch their savings while enjoying a high quality of life. Safety is also a priority, with Eden maintaining a lower crime rate than many urban areas, providing residents with peace of mind.
Stay involved. The Eden Historical Museum and the Leaksville-Spray Institute showcase the town’s rich textile and industrial past, while the annual RiverFest celebrates the area's natural beauty with music, arts, and local food. The city offers a variety of senior programs, social clubs, and community events that foster connection and engagement.
Outdoor recreation is abundant in and around Eden, with the Dan and Smith Rivers providing opportunities for kayaking, fishing, and scenic walks along the riverbanks. Freedom Park offers walking trails, picnic areas, and a serene atmosphere for relaxation, while nearby Mayo River State Park is perfect for hiking and birdwatching. Golfers can enjoy courses like Meadow Greens Country Club, adding to the area’s appeal for active retirees.
Embrace a relaxed lifestyle with a strong sense of community, natural beauty, and affordability. Its combination of outdoor recreation, cultural events, and cost-effective living makes Eden a hidden gem for retirees looking to enjoy their golden years in comfort and tranquility.
5. Wadesboro
Percentage of the Population Over 65: 19.0%
Median Home Price: $116,000
Number of Hospitals Within 25 Miles: 2
Most Recent Number of Violent Crimes: 91
Most Recent Number of Nonviolent Crimes: 406
Wadesboro is a delightful city in Anson County. This community supports retirees seeking a lively but suburban sprawl. Looking to live a life you love on a fixed income? The city can assist and make the most of your newfound freedom – without blowing your budget. Known as “The Heart of the Carolinas,” this historic community offers a welcoming atmosphere with a rich cultural heritage and scenic landscapes.
The slower pace of life and small-town setting contribute to a sense of security, making it an attractive choice for those seeking a peaceful retirement. Check out the historic Anson County Courthouse, the Ansonia Theatre, and the Boggan-Hammond House, which highlight the town’s deep-rooted history. The community also hosts seasonal festivals and events.
The perks of retiring in Wadesboro extend to its accessibility to healthcare, local shopping, and community resources that cater to those 55 and older. The area’s mild climate allows for year-round outdoor activities. For recreation, the Pee Dee National Wildlife Refuge offers hiking, birdwatching, and scenic picnic spots, while Little Park provides walking trails and green spaces for relaxation. Nearby, Morrow Mountain State Park offers opportunities for fishing, boating, and nature exploration.
Unlike larger cities, Wadesboro provides a slower, more relaxed lifestyle without sacrificing access to essential amenities.
6. James City
Percentage of the Population Over 65: 24.3%
Number of Hospitals Within 25 Miles: 1
Median Home Price: $175,700
James City is a great place for anyone who loves green space. This treasure is near New Bern and offers a peaceful and affordable coastal lifestyle. James City is known for its rich history, friendly community, and scenic waterfront views along the Neuse River.
One of the biggest advantages of retiring in James City is its affordable cost of living. Housing prices are reasonable, property taxes are low, and retirees can enjoy a comfortable lifestyle without the high costs associated with larger cities. Safety is another key benefit, as James City offers a quiet, low-crime environment that provides peace of mind for retirees looking for a secure and relaxed place to call home.
The area’s appeal is enhanced by its close proximity to historic New Bern, where retirees can explore the Tryon Palace, enjoy waterfront dining, or take in cultural events at the North Carolina History Center. James City’s location also provides excellent opportunities for boating, fishing, and kayaking. With a mild climate year-round, outdoor enthusiasts can take advantage of nearby Croatan National Forest, where scenic trails and wildlife viewing create an ideal setting for relaxation and exploration.
Enjoy coastal living without the hustle and bustle of larger cities. Whether it’s for the outdoor recreation, historical charm, or welcoming community, James City offers everything needed for a fulfilling and enjoyable retirement.
7. Roanoke Rapids
Percentage of the Population Over 65: 18.1%
Median Home Price: $129,400
Number of Hospitals Within 25 Miles: 2
Most Recent Number of Violent Crimes: 123
Most Recent Number of Nonviolent Crimes: 753
Roanoke Rapids is found near the Virginia border along Interstate 95. This charming city provides small-town living with easy access to larger metropolitan areas like Raleigh and Richmond. Its rich history, scenic surroundings, and friendly atmosphere make it an attractive choice without sacrificing convenience.
Roanoke Rapids has plenty of activities to keep you busy, including bowling, historical sites, a cultural arts center, and a bird park. Outdoor enthusiasts will be delighted to spend time hunting and fishing at the Roanoke River, where they can camp, boat, and fish. It’s an idyllic spot for family or community gatherings. The Roanoke Canal Museum and Trail showcases the region’s fascinating history, while the historic Roanoke Rapids Theatre hosts live entertainment, concerts, and community events.
Affordability is a big draw with the cost of living being significantly lower than the national average. Housing prices are reasonable, property taxes are low, and essential services like healthcare and groceries remain budget friendly. The area also boasts a lower crime rate than many larger cities, contributing to its appeal as a safe and comfortable retirement destination.
For those 55 and older, Roanoke Rapids offers plenty of activities, from local golf courses to senior programs and community events. Outdoor enthusiasts can explore the scenic Roanoke River, known for fishing, boating, and kayaking, or take a stroll through the beautiful Medoc Mountain State Park, which offers hiking trails, picnic areas, and wildlife viewing. The city’s parks, including Chockoyotte Park and Ledgerwood Park, provide additional opportunities for walking, birdwatching, and enjoying the outdoors.
Retirees looking for an alternative to more expensive and crowded North Carolina cities will find Roanoke Rapids an ideal choice.
8. Hamlet
Percentage of the Population Over 65: 19.2%
Median Home Price: $103,800
Number of Hospitals Within 25 Miles: 3
Hamlet truly has something for every type of retiree – and with a low cost of living to boot! The city is full of southern hospitality and a charming small-town atmosphere. Spend a day with friends and connect with their community while you savor a simple and idyllic life.
Rich in railroad history and peacefulness, Hamlet provides affordability, a mild climate, and scenic surroundings. When you retire in Hamlet, your money goes farther. Housing is particularly affordable. The town also boasts a reputation for safety, with a welcoming atmosphere that fosters a strong sense of community.
Hamlet’s unique attractions add to its charm, with the iconic Hamlet Depot & Museum serving as a centerpiece of the town’s rich railway heritage. The Rankin Museum of American Heritage offers an intriguing look at local history, science, and culture, making it a favorite spot for lifelong learners. For entertainment, the Hamlet Performing Arts Center hosts a variety of live performances and events throughout the year.
Hamlet provides access to numerous parks and scenic areas. The town’s parks, such as Hamlet City Lake, offer serene settings for fishing, picnicking, and leisurely strolls. A short drive away, Hinson Lake in nearby Rockingham provides beautiful trails and peaceful waters, perfect for kayaking or birdwatching. The surrounding Sandhills region also offers excellent opportunities for golfing, a popular pastime for many retirees.
Hamlet provides a rewarding and fulfilling place to call home.
9. Sawmills
Percentage of the Population Over 65: 18.5%
Median Home Price: $180,500
Number of Hospitals Within 25 Miles: 5
Sawmills is a beautiful city in Caldwell County, that gives active adults the chance to relax, recharge, and reconnect with nature during their golden years. Just a short drive away from Asheville and Charlotte, Sawmills is a great spot to invest in a comfortable life that still provides you with easy access to urban areas.
Sawmills embodies a peaceful and neighborly atmosphere that makes it a hidden gem in the foothills of the Blue Ridge Mountains. Its unique blend of rural tranquility and proximity to larger cities like Hickory and Lenoir makes it a desirable location for retirees looking to escape the hustle and bustle without sacrificing convenience.
Housing prices remain reasonable, and property taxes are relatively low, making homeownership an attractive option. Safety is another strong point, as Sawmills maintains a low crime rate, contributing to its appeal as a peaceful and secure retirement destination.
Get outdoors to beautiful green spaces like Bakers Mountain Park and the scenic Catawba River. Spend your free time fishing, hiking, and birdwatching. For retirees who love staying active, the area offers plenty of parks, greenways, and golf courses, including the nearby Granada Farms Golf Club. Lake Hickory is also just a short drive away, providing opportunities for boating, kayaking, and lakeside relaxation. Those who enjoy road trips and sightseeing will appreciate the easy drive to Asheville’s Blue Ridge Parkway or Charlotte’s vibrant arts scene.
Compared to other North Carolina retirement destinations, Sawmills stands out for its affordability, safety, and access to both mountains and lakes.
10. Reidsville
Percentage of the Population Over 65: 22.2%
Median Home Price: $139,000
Number of Hospitals Within 25 Miles: 5
Most Recent Number of Violent Crimes: 104
Most Recent Number of Nonviolent Crimes: 509
Active adults love living in Reidsville. Miles of walking trails wind through this historic town on the bank of the Haw River. Retirees who want to maintain a high level of activity during their golden years can hike while enjoying the beautiful scenery. Both Lake Reidsville and Haw River State Park are prime locations where you can enjoy riverside entertainment and Mother Nature at her finest.
Nestled between Greensboro and Danville, Virginia, Reidsville provides retirees with a peaceful setting while keeping big-city amenities within easy reach. With a rich history, vibrant community, and low cost of living, this charming town offers a laid-back yet fulfilling retirement lifestyle.
Maximize your savings and enjoy the lower cost of living. Housing is particularly budget-friendly, with a range of options from historic homes to modern developments. Reidsville is also considered a safe place to live, with a strong sense of community and local initiatives that contribute to a secure and neighborly environment.
The Market Square hosts concerts, farmers' markets, and seasonal festivals, creating a lively town center for residents to enjoy. History buffs can explore the Penn House, a historic mansion with beautifully maintained gardens, or visit the Reidsville Historical Museum to learn more about the area's past. Dining and shopping options are abundant, with a mix of local favorites and convenient national retailers.
Outdoor recreation is a major draw for retirees in Reidsville. Lake Reidsville provides opportunities for fishing, boating, and nature walks, while nearby Haw River State Park offers hiking trails, birdwatching, and serene picnic spots. Golf enthusiasts will appreciate the area's well-maintained courses.
Reidsville is an excellent option as it offers the best of both worlds—quiet, scenic living with easy access to healthcare, entertainment, and recreational opportunities. For retirees looking to enjoy their golden years in a friendly, budget-friendly, and naturally beautiful setting, Reidsville is a top choice.
Common Questions About Retiring in North Carolina
Is North Carolina tax-friendly for retirees?
In North Carolina, your Social Security benefits are not taxable; however, the state taxes most other retirement income at the flat rate of 5.25%.
How much do you need to retire in North Carolina?
To retire comfortably in the state of North Carolina starting today, you will need to have saved at least $65,000.
What percent of the population is 65 and over?
Based on the 2020 census data, North Carolina has 17.6% of the population in this age bracket.
Here is the complete list…
| City | Percentage of Population 65+ | Violent Crimes | Property Crimes | Hospitals Within 25 Miles | Median Home Price |
| Charlotte | 10.8% | 7,111 | 37,707 | 12 | $351,500 |
| Raleigh | 11.7% | 2,550 | 12,555 | 11 | $377,800 |
| Greensboro | 13.9% | 2,505 | 11,411 | 5 | $221,300 |
| Durham | 13.0% | 1,882 | 11,185 | 13 | $355,300 |
| Winston-Salem | 14.8% | 2,235 | 7,646 | 9 | $208,200 |
| Fayetteville | 12.7% | 1,830 | 6,490 | 6 | $171,900 |
| Cary | 13.9% | 190 | 2,260 | 13 | $525,500 |
| Wilmington | 17.8% | 598 | 4,313 | 5 | $350,300 |
| High Point | 16.1% | 515 | 2,964 | 9 | $21,400 |
| Concord | 11.4% | 125 | 1,100 | 11 | $327,600 |
| Greenville | 10.9% | 493 | 2,885 | 4 | $213,100 |
| Asheville | 19.2% | 791 | 4,262 | 6 | $411,000 |
| Gastonia | 15.1% | 666 | 3,217 | 9 | $250,000 |
| Jacksonville | 7.7% | na | na | 3 | $191,700 |
| Chapel Hill | 12.5% | 116 | 1,683 | 11 | $576,500 |
| Huntersville | 13.0% | 129 | 924 | 11 | $439,300 |
| Rocky Mount | 20.2% | 472 | 1,771 | 3 | $148,300 |
| Apex | 8.5% | 39 | 676 | 11 | $514,800 |
| Burlington | 18.0% | 498 | 2,246 | 2 | $188,700 |
| Kannapolis | 14.9% | 128 | 1,124 | 9 | $245,500 |
| Wilson | 17.9% | 250 | 1,272 | 5 | $192,000 |
| Wake Forest | 13.4% | 24 | 393 | 14 | $435,000 |
| Hickory | 16.6% | 220 | 1,338 | 6 | $248,300 |
| Indian Trail | 9.3% | na | na | 11 | $343,500 |
| Mooresville | 12.5% | 107 | 1,169 | 10 | $348,500 |
| Holly Springs | 8.5% | 39 | 496 | 9 | $485,500 |
| Monroe | 14.4% | 312 | 1,327 | 10 | $270,600 |
| Goldsboro | 18.3% | 498 | 2,091 | 5 | $173,700 |
| Salisbury | 17.5% | 350 | 1,483 | 10 | $215,200 |
| Matthews | 19.6% | 73 | 914 | 12 | $406,800 |
| Garner | 15.7% | 187 | 1,611 | 7 | $320,300 |
| New Bern | 24.1% | 94 | 660 | 1 | $211,500 |
| Sanford | 14.6% | na | na | 3 | $222,000 |
| Cornelius | 19.6% | 47 | 286 | 12 | $512,400 |
| Fuquay-Varina | 13.3% | 29 | 271 | 9 | $410,600 |
| Morrisville | 5.9% | 40 | 863 | 13 | $481,800 |
| Mint Hill | 19.8% | 15 | 333 | 11 | $386,900 |
| Statesville | 17.1% | 289 | 1,169 | 7 | $226,100 |
| Thomasville | 17.2% | na | na | 10 | $163,200 |
| Asheboro | 17.5% | 117 | 782 | 5 | $162,800 |
| Kernersville | 17.2% | 91 | 1,061 | 10 | $264,000 |
| Clayton | 10.9% | 41 | 480 | 6 | $292,400 |
| Leland | 27.6% | 30 | 160 | 5 | $358,800 |
| Carrboro | 9.9% | 58 | 499 | 11 | $507,100 |
| Clemmons | 21.6% | na | na | 10 | $306,900 |
| Havelock | 6.2% | 25 | 287 | 2 | $186,800 |
| Shelby | 21.5% | 210 | 588 | 5 | $185,400 |
| Boone | 6.7% | 21 | 233 | 6 | $373,600 |
| Lexington | 13.6% | 121 | 812 | 10 | $158,100 |
| Lenoir | 21.1% | 37 | 540 | 8 | $165,200 |
| Elizabeth City | 16.7% | 89 | 459 | 1 | $202,100 |
| Knightdale | 9.8% | 60 | 544 | 7 | $331,900 |
| Morganton | 20.9% | 82 | 613 | 7 | $208,300 |
| Pinehurst | 39.4% | 8 | 65 | 3 | $423,300 |
| Waxhaw | 8.9% | 14 | 114 | 10 | $506,300 |
| Mount Holly | 10.8% | 41 | 261 | 12 | $286,400 |
| Harrisburg | 11.0% | na | na | 10 | $431,900 |
| Stallings | 14.4% | 16 | 158 | 12 | $381,700 |
| Hope Mills | 11.4% | 75 | 642 | 4 | $176,300 |
| Mebane | 13.0% | 44 | 733 | 6 | $295,600 |
| Graham | 16.7% | 73 | 359 | 4 | $200,600 |
| Laurinburg | 17.7% | 261 | 655 | 2 | $121,500 |
| Henderson | 17.9% | 270 | 753 | 4 | $116,800 |
| Southern Pines | 28.4% | 51 | 311 | 4 | $416,300 |
| Hendersonville | 30.9% | 49 | 457 | 8 | $282,500 |
| Lewisville | 19.3% | na | na | 9 | $284,300 |
| Newton | 19.9% | 51 | 274 | 8 | $169,300 |
| Davidson | 16.1% | 3 | 59 | 14 | $626,000 |
| Smithfield | 19.7% | 61 | 407 | 7 | $217,000 |
| Belmont | 15.0% | 41 | 471 | 12 | $349,700 |
| Spring Lake | 6.8% | 61 | 407 | 7 | $101,300 |
| Elon | 14.9% | 6 | 43 | 2 | $355,800 |
| Archdale | 21.1% | 10 | 186 | 9 | $188,200 |
| Summerfield | 15.1% | 51 | 494 | 9 | $490,100 |
| Weddington | 13.1% | na | na | 11 | $730,200 |
| Lincolnton | 20.5% | 46 | 382 | 7 | $224,600 |
| Kings Mountain | 16.1% | 72 | 282 | 4 | $258,200 |
| Tarboro | 28.1% | 73 | 274 | 4 | $155,500 |
| Mount Airy | 26.9% | 24 | 316 | 4 | $176,600 |
NewHomeSource pulled data from the FBI Uniform Crime Reporting Services, Medicare’s Hospital Compare, and the U.S. Census Bureau. In the event exact crime data was unavailable, estimates were used. These factors were entered into an algorithm to calculate a score for each city.
Other North Carolina Resources
Best Suburbs Surrounding Wilmington, North Carolina
Moving to Wilmington, NC? Read Our Relocation Guide
Best Suburbs Around Fayetteville, NC
Best Tiny Home Builders in North Carolina
10 Best State Parks in North Carolina
The 10 Best and Worst U.S. Cities for Allergies
How to Build a House in North Carolina
The Top 13 Best Places to Live in North Carolina
The Top 10 Most Affordable Cities in North Carolina
Your Guide to Closing Costs in North Carolina
Top Master Planned Communities Near Raleigh, NC
Top Master Planned Communities near Charlotte, NC
First-Time Homebuyer Programs in North Carolina
Best Modular Home Builders in Asheville
The Best Suburbs of Raleigh, North Carolina
Moving To Raleigh? This Relocation Guide Will Help
Top 10 Safest Cities in North Carolina
Moving To Charlotte? This Relocation Guide Will Help
Why Charlotte Is the Third Fastest-Growing City in The Country
Julie Gordey
A lifelong educator, Julie Gordey, is a retired school administrator. After years of focusing on education, this University of Texas graduate now travels and enjoys freelance writing for BDX and NewHomeSource.com.