10 Great Low Tax Retirement Communities

by Bill Ness on January 16, 2012

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Residents of Lake Providence in Tennessee enjoy tax benefits such as no state income tax.

Along with sunshine, gorgeous scenery and resort-style amenities, the perfect retirement destination also includes retirement-friendly tax laws. While you should consult a tax professional for more specific information, here is an overview of some of our favorite low-tax retirement communities.

1. Sun City Peachtree — Griffin, Georgia

Just 35 miles south of Atlanta, Sun City Peachtree is a sprawling 55+ community which offers an impressive line-up of amenities including an 18-hole golf course, a 45,000 square-foot clubhouse and fabulous tennis facilities. In Georgia, Social Security income is exempt and residents over the age of 65 may qualify for property tax deductions.

2. Lake Providence — Mt. Juliet, Tennessee

Del Webb’s Lake Providence community features a spacious, amenity-rich clubhouse which overlooks a 15-acre lake. Residents can enjoy many resort-style activities, as well as boating, fishing, kayaking or enjoying a performance at the outdoor amphitheater. Tennessee has no state income tax, which means no tax on Social Security and retirement income as well.

3. Sun City Anthem — Henderson, Nevada

Perched in the foothills of the Black Mountains above the glittering Las Vegas Strip, Sun City Anthem is a sprawling active adult community with over 7,000 homes, three clubhouses, two 18-hole golf courses and a wide range of amenities. Nevada is a tax friendly state with no state income tax, no inheritance tax and no estate tax.

4. The Villages — The Villages, Florida

With plans to expand to over 75,000 homes, The Villages is the largest active adult community in the world. This 55+ community is a town in itself with retail centers, medical facilities, recreation centers and other services. As a retirement haven, Florida offers sunshine and tax-friendly laws such as no state sales tax and certain homestead exemptions on property taxes.

5. Sun City Hilton Head — Bluffton, South Carolina

Del Webb’s Sun City Hilton Head is an age-restricted community which exudes Southern charm while letting active adults enjoy one of the state’s most popular resort destinations. Highlights include over 8,000 homes, a lovely Town Center and Amenity Complex, and 36 holes of championship golf. South Carolina does not tax Social Security benefits and also offers retirement income deductions.

6. Heritage Shores — Bridgeville, Delaware

Located in Southern Delaware’s Sussex County, Heritage Shores features homes designed by a variety of builders, an 18-hole championship golf course and a spacious clubhouse with numerous amenities. As one of the most tax-friendly states for retirees, Delaware has no sales tax and no tax on Social Security benefits. Residents over 60 or 65 may also qualify for exemptions on retirement income and credits on property taxes.

Florida retirees enjoy no state income tax, no inheritance tax and no estate tax.

Florida retirees enjoy no state income tax, no inheritance tax and no estate tax.

7. VillageWalk of Bonita Springs — Bonita Springs, Florida

Retirees who prefer to live among all ages may find their ideal home at VillageWalk of Bonita Springs. This community may not have an age restriction, but it has plenty of resort-style amenities to support an active adult lifestyle. Plus, it enjoys Florida’s tax benefits, such as no state income tax and homestead exemptions for permanent residents of all ages.

8. Robson Ranch — Eloy, Arizona

Halfway between Phoenix and Tucson, Robson Ranch is a desert oasis which features amenities such as an 18-hole golf course, a spacious clubhouse and beautiful grounds which include fishing lakes and walking trails. Arizona appeals to retirees with low income tax rates as well as exemptions for Social Security benefits and some retirement income.

9. Valencia Reserve — Boynton Beach, Florida

Set in Southeast Florida’s Palm Beach County, Valencia Reserve is a new active adult community which features a 41,000 square-foot clubhouse and semi-customizable single-family homes based on 17 different floor plans. In addition to having no state income tax, Florida also has no inheritance tax or estate tax.

10. Seasons at Prince Creek West — Murrells Inlet, South Carolina

Nestled in the picturesque town of Murrells Inlet, Seasons at Prince Creek West is an age-restricted community with resort-style amenities and quaint, small-town charm. The community currently has a 9,000 square-foot clubhouse, but development plans will soon expand the amenity center to nearly triple its current size. South Carolina’s tax-friendly laws for retirees include no tax on Social Security benefits, deductions on retirement income and no inheritance or estate taxes.

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carol fogarty January 19, 2012 at 7:32 pm

You are not telling the public the truth when you said that the villages in florida have the lowest taxes, they have the highest tax es in all of florida for retirement people . I speak from personel experience so do not tell the retired people it has low TAXES that gets me very angry. Tell the truth in your ads you never know who is reading them ……………….good bye truly yours as always annoyed….

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Marianna January 20, 2012 at 11:26 pm

Carol — I’m just another poster like you, but I’ll say this much about the Villages:

Personally, I don’t like The Villages, as it strikes me as a super-duper kindergarten for seniors — it’s way overdone. Now, I have friends there who live in a really nice house, and their taxes are $2K a year — according to them. I don’t know if they have some type of homestead exemption or what. I guess your tax bill there would depend on your age (if FL offers homestead exemptions), and the type and location of the house (the value of it, in other words). My friends pay $130/mo HOA fee which isn’t that bad. A lot of the Del Webb communities around the country have much higher fees. Where the expense comes in with the Villages is in the social (peer) pressure to keep up with the Joneses. It’s juvenile, simple as that. They spend thousands on golf carts, eating out, constant entertaining, patio bird cages, landscaping……..you name it. No thanks. That’s not my way of life.

We all need to do our own research, no matter what we read or what others tell us. Get the word from the horse’s mouth, or you will blame yourself for not getting the real scoop on your own.

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Dave January 23, 2012 at 11:27 am

I think the article may be slanted to the fact that there are not any state income taxes in Florida or low taxes in and most of the other locations. It does address fees and the BS of keeping up with the Jones.

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Richard January 23, 2012 at 3:18 pm

Florida DOES have a sales tax but no income tax.

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Candis Bloomrose May 7, 2012 at 5:38 pm

How is Virginia rated in the taxes vs senior debate? VA has many 55+ communities inside their borders.

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