Retirement on the East Coast is a goal for many active adults who enjoy a blend of peace and quiet alongside plenty of recreation and excitement. This scenic stretch of the U.S. offers charming small towns, historic cities, vibrant cultural scenes, and easy access to both beach and mountain retreats.
Whether you’re seeking affordability, natural beauty, or an active lifestyle, you’ll find a town or city that checks every box. Let’s take a virtual tour of the best 55+ communities along the East Coast.
Why the East Coast Has So Many Best Places To Retire
The East Coast is rich in variety. From the picturesque coastlines of Maine to the warm, sunny shores of Florida, retirees can enjoy all four seasons or stick to year-round sunshine. Many towns and cities along the Atlantic offer walkable downtowns, access to top-rated health care, and a lower cost of living compared to their big-city counterparts. Whether you want to live near grandkids in the Northeast or settle somewhere quieter and warmer, the East Coast has something for everyone.
Beaufort, SC
Beaufort often tops the list of the best places to retire on the East Coast, thanks to its laid-back vibe, friendly community, and Lowcountry charm. Located between Charleston and Savannah, Beaufort offers a slower pace of life but with easy access to two major cities.
Why retirees love it:
- Historic architecture and waterfront parks
- Moderate climate and mild winters
- Access to nearby beaches and nature preserves
- Plenty of cultural events and festivals
Cost of Living
According to Payscale, Beaufort’s cost of living is 3% lower than the national average, making this an ideal location for those living on a fixed income. The median price of a home in a 55+ community in the nearby Savannah-Hilton Head area is $514,500, according to 55places.com data. However, homebuyers may find that 55+ communities in Beaufort are a little more affordable.
Asheville, NC
While not directly on the coast, Asheville is close enough to the East Coast lifestyle to be a top contender, and it’s often grouped with top retiree towns for its quality of life. Nestled in the Blue Ridge Mountains, Asheville offers breathtaking views, a thriving arts scene, and a mild climate. For those who prefer crisp mountain air over ocean breezes, Asheville is a perfect fit.
Highlights for retirees:
- An abundance of hiking trails and outdoor activities
- A welcoming, progressive community
- Excellent medical facilities, including Mission Hospital
- Affordable living costs compared to other mountain towns
Cost of Living
When it comes to the cost of living, Asheville does rank on the pricier side, especially when it comes to the cost of housing. This area is about 3% more expensive than the national average and 11% more expensive than the rest of the state. However, many retirees find the lifestyle and amenities well worth the price tag. It is worth noting that the median price of a home in a 55+ community in the Asheville-Greenville area is $305,900. That’s below the current median home price in Asheville.
St. Augustine, FL
St. Augustine is one of the best places to retire on the East Coast if you love a blend of old-world charm and modern coastal living. As the oldest city in the U.S., it’s full of Spanish architecture, cobblestone streets, and a sense of timeless beauty. With its subtropical climate and rich history, St. Augustine is a gem for retirees looking for sunshine and character.
Why it stands out:
- No state income tax in Florida
- Beaches, golf courses, and fishing galore
- Rich history and unique cultural attractions
- A walkable downtown area with excellent dining options
Cost of Living
St. Augustine is unique when it comes to the cost of living. Although the city does rank higher on average, the cost of transportation and utilities is significantly lower, making this a good medium option for active retirees. The median price of a home in a 55+ community in the Jacksonville area is $425,225.
Portsmouth, NH
If you’re looking for a classic New England town, Portsmouth delivers. While winters are chilly, the small-city feel, coastal views, and excellent health care make it one of the best places to retire on the East Coast, especially for those who enjoy all four seasons. Portsmouth is ideal for retirees who want a cozy, intellectual community in a walkable setting.
Key features:
- Beautiful harbor views and waterfront trails
- Rich Revolutionary War history
- No sales tax or state income tax in New Hampshire
- Strong community feel with local events and farmers markets
Cost of Living
Portsmouth is on the higher end of the best places to retire on the East Coast, ranking 16.3% higher than the national average in terms of costs of living. If a luxurious New England community is calling your name, start planning now to ensure your dreams aren’t too far off.
Cape Coral, FL
With over 400 miles of navigable waterways, Cape Coral is a boater’s paradise and one of the most affordable spots in Florida for retirees. It consistently ranks as one of the best places to retire on the East Coast for its cost of living, waterfront access, and quality health care. Cape Coral is perfect for active 55+ adults who want to be on the water without breaking the bank.
What makes it attractive:
- Affordable homes, many with private docks
- Warm weather year-round
- Proximity to Fort Myers and Sanibel Island
- Dozens of golf courses and community centers
Cost of Living
Affordability is what makes Cape Coral such a standout option for retirees who want to be right on the water. Compared to other communities with similar amenities (waterways, dock access, boating clubs, etc.), this location is reasonably priced. Florida’s retiree-friendly tax laws help make this option an even better choice for a beach retirement. The current median price of a home in a 55+ community in the Fort Myers-Naples area is $559,000.
Rehoboth Beach, DE
If you’re dreaming of beach life without the crowds of Florida, Rehoboth Beach is a great option. It offers a charming boardwalk, pristine beaches, and a strong sense of community. Plus, Delaware is a tax-friendly state for retirees. Rehoboth Beach is one of the best places to retire on the East Coast for those seeking serenity and sand.
Perks of living here:
- No state sales tax
- Low property taxes and retirement income exclusions
- A walkable town with cute shops and restaurants
- Peaceful off-season lifestyle with bustling summers
Cost of Living
Rehoboth Beach does come at a significantly higher cost of living both nationally and within the state. Factors like low property tax, retirement income exclusions, and no state sales tax will help you budget for this fabulous destination. However, 55+ communities may offer some affordability. The median price of a home in a 55+ community in Delaware is $475,000.
Savannah, GA
Savannah is known for its oak-lined streets, historic squares, and relaxed pace of life. It’s also increasingly becoming a retirement hotspot due to its affordability, cultural appeal, and mild winters. Savannah provides a romantic and affordable place to enjoy retirement in style.
Retiree benefits include:
- A blend of art, history, and southern hospitality
- No retirement income tax in Georgia (for Social Security and other benefits)
- Vibrant downtown and riverwalk areas
- Access to Tybee Island beaches just a short drive away
Cost of Living
Despite rising national housing costs, Savannah remains an affordable retirement location. Retirement-friendly taxes, plenty of public transportation, walkable areas, and amenities that fit every budget make Savannah a true gem for 55+ homebuyers. As mentioned previously, the median price of a home in a 55+ community in the Savannah-Hilton Head area is $514,500.
Sarasota, FL
Known for its art scene, white-sand beaches, and warm Gulf waters, Sarasota is one of Florida’s most beloved retiree towns. It combines natural beauty with world-class cultural experiences. Sarasota offers a more upscale retirement option for those wanting both leisure and culture.
Why retirees love Sarasota:
- Access to top-tier medical facilities
- Dozens of golf courses, tennis courts, and outdoor events
- Stunning beaches like Siesta Key
- No state income tax
Cost of Living
Sarasota ranks higher than both the state and national averages in terms of cost of living. If you’re considering this luxurious location, consulting with a 55+ real estate expert can help you plan ahead to ensure you’re able to secure your dream home. The median price of a home in a 55+ community in the nearby Tampa Bay area is $324,000.
Choosing the Right Spot for You
From historic towns in New England to sunny stretches of the Florida coast, the best places to retire on the East Coast truly offer something for every lifestyle. Whether you’re seeking mountain serenity, beachside bliss, or vibrant city culture, the East Coast delivers, with bonus points for tax perks and health care access in many states.
Before making the leap, be sure to visit a few of your top picks, research the local cost of living and tax structures, and consider what kind of community fits your ideal retirement lifestyle. Our team is here to help! Explore more resources on the best places to retire or contact the 55places.com team today!
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