If you’re thinking about a move to the Carolinas, you’re not alone. But choosing between North Carolina and South Carolina can feel like a big decision. Both states offer scenic landscapes, welcoming communities, and a cost of living that appeals to many active adults. To help you get a clearer sense of what each one offers, we’ve broken down some key pros and cons so you can decide which place feels right for your next chapter.
Let’s take a look!
History of North Carolina and South Carolina
Given the names of North Carolina and South Carolina, one might assume there was once a single state called “Carolina” that split into two. While there was a larger colonial territory known as the Province of Carolina, the story is a bit more nuanced.
Initially chartered in 1663, the Province of Carolina spanned a very large tract of land under the control of eight Lords Proprietor, according to NCpedia. In its early decades, the territory faced many challenges, including weak governance, corruption, geographic isolation, rebellion, and piracy.
In 1712, the colony was formally divided into separate jurisdictions: the northern half became North Carolina and the southern half became South Carolina, according to NCpedia. As for the involvement in the American Revolution: Yes, both North Carolina and South Carolina (as colonial entities) took part in the struggle for independence from Britain. They were among the original 13 colonies.
Mountains, Coastlines, and Landscapes
North Carolina has often been praised because it’s a triple threat when it comes to geography. Within a matter of hours, you could leave the coast, head into the Piedmont region, and be in the mountains before nightfall. The average travel time to do so could range from six to ten hours, depending on the destination. There are also several islands off the coast.
South Carolina isn’t quite as diverse, but it’s no less beautiful. There are still mountain ranges, such as Sassafras Mountain, but they’re significantly smaller. South Carolina is more known for its gorgeous coastline.
Population Growth in North Carolina vs. South Carolina
Both North and South Carolina are experiencing a slight population boom. NCH Stats reports that South Carolina has a population of 5,464,160 as of 2024. Since then, the population has increased by 1.06%.
North Carolina has experienced an even more significant population boom. NCH Stats states that the NC population for 2025 is approximately 10,975,000 and is experiencing a growth rate of 1.13%.
For active adults considering a move, population growth can signal the expansion of services, new housing options, and continued investment in local amenities. Steady growth in both Carolinas also suggests long-term stability, an important factor when choosing a community for this next chapter.
Tax Comparison for Retirees: North Carolina vs. South Carolina
North Carolina has seen a dip in tax rates for 2025. In 2024, the tax rates were 4.5%. This year, the rates have dipped to 4.25%, according to The Carolina Journal. In 2026, the rates are scheduled to drop even lower, to only 3.99%. This is a flat rate, so everyone pays the same amount, regardless of their income bracket is.
South Carolina’s tax rates are a little different, according to the South Carolina Department of Revenue. They can range from 0% to 6.2%, depending on your income bracket. The rates are also falling in South Carolina, as they were 7% in 2021.
Both North Carolina and South Carolina exempt Social Security benefits from state income tax, making either state an appealing option for retirees who rely on this income. In North Carolina, other retirement income—such as pensions or withdrawals from IRAs and 401(k)s—is taxed at the state’s flat income tax rate. South Carolina offers additional deductions that can reduce the taxable portion of that income for residents age 65 and older. For 55+ homebuyers comparing the two states, these policies can influence long-term affordability and help clarify how far retirement savings may stretch in each location.
Lifelong Learning in North Carolina and South Carolina
North Carolina
Now that you are retired, you may be interested in continuing your education. Whether you’re looking to earn a new degree or want to learn something new, North Carolina offers numerous opportunities for retirees seeking a new adventure.
The Osher Lifelong Learning Institute at NC State University offers non-credit courses for individuals who are 50 and up. Some of the many things you’ll be able to do at OLLI include taking short courses, going on trips, and attending special events. You can take a course that is only one class, or courses that are up to six weeks long. There is no major push to take courses to pass classes. It’s mostly about learning for the love of it.
UNC Asheville offers another OLLI college, known as The College for Seniors. Much like the courses offered at NC State University, it’s all about following your passions.
South Carolina
South Carolina offers its own education system for retirees interested in learning more. Even better is the fact that many of them won’t cost you a dime.
The College of Charleston has the Center for Creative Retirement. These college courses aren’t free, but they cost only $60 per year, from September to May. There are weekly presentations, tours, trips, book groups, and more.
Greenville Technical College offers another course for retirees known as the Plan 60 Option. To be eligible, you must be 60 or older and not work full-time. You must also be a legal resident of the state of South Carolina. If you qualify, you’ll be able to take most of the primary curriculum and continuing opportunity courses, but there are student fees, technology fees, and books/materials fees.
Best Places to Retire in North Carolina and South Carolina
North Carolina
According to The Motley Fool, Cary is the top place to retire in North Carolina. This is based largely on proximity to medical facilities, moderate living costs, and low crime. The main con is that the cost of homes is on the higher side, however.
Other places to consider for the best places to retire in North Carolina include Concord and Winston-Salem. Concord offers lower-priced homes and is conveniently located near several hospitals. Winston-Salem has a wealth of historical remnants to offer, with numerous museums and historical sites to explore. It’s also close to bigger cities like Greensboro.
55+ Communities in Cary, NC
- Blakeley
- Carolina Preserve
- Corbinton at Kildaire Farm
- Heritage Pines
- The Courtyards at Kildaire Farms
- The Courtyards at O’Kelly Chapel
- The Courtyards at West Cary
- The Townes at West Cary
- Woodhall
55+ Communities in Concord, NC
55+ Communities in Winston-Salem, NC
Median List Price of a Home in a 55+ Community in South Carolina
| Asheville-Greenville Area | $524,000 |
| Charlotte Area | $539,000 |
| Myrtle Beach-Wilmington Area | $522,950 |
| Raleigh-Durham Area | $549,000 |
| Southern Pines Area | $389,000 |
| Winston-Salem-Greensboro Area | $404,945 |
South Carolina
U.S. News ranks Greenville, South Carolina, as the top place to live. The price of homes is higher than the national average here, but it boasts lovely weather and is a fascinating city to live in.
Rock Hill came in second, according to U.S. News. The average cost of homes is lower than the national average, largely due to the moderate weather conditions. Also, most people prefer to drive rather than take buses or other forms of public transportation.
55+ Communities in Greenville, SC
55+ Communities in Rock Hill, SC
Median List Price of a Home in a 55+ Community in South Carolina
| Asheville-Greenville Area | $299,000 |
| Charleston Area | $450,000 |
| Charlotte Area | $559,000 |
| Columbia-Augusta Area | $415,000 |
| Myrtle Beach-Wilmington Area | $379,700 |
| Savannah-Hilton Head Area | $525,000 |
FAQ: North Carolina vs. South Carolina for Retirement
1. Is North Carolina or South Carolina better for retirees?
Both states are excellent retirement destinations. North Carolina offers more geographic variety and larger metro areas, while South Carolina is known for lower overall taxes and coastal living. The right choice depends on your climate preferences, budget, and lifestyle.
2. Does North Carolina or South Carolina have lower taxes for retirees?
South Carolina generally offers more retiree-friendly tax breaks, including substantial deductions on retirement income. North Carolina has a lower flat tax rate, but the state taxes most retirement income except Social Security.
3. Does North Carolina or South Carolina have a better cost of living?
South Carolina usually wins in affordability—especially for housing and everyday expenses. North Carolina is moderately priced but tends to be more expensive around major cities like Raleigh and Charlotte.
4. Are the beaches better in North Carolina or South Carolina?
South Carolina is famous for its beaches, like Hilton Head, Myrtle Beach, and Kiawah Island. North Carolina offers the Outer Banks and many quieter beach towns known for natural beauty and fewer crowds.
5. Is the climate better in North Carolina or South Carolina?
North Carolina offers more seasonal variety, including cooler mountain weather. South Carolina is generally warmer and more humid, especially in the Lowcountry and coastal regions.
6. Does North Carolina or South Carolina have better health care for seniors?
North Carolina generally ranks higher for health care, with nationally recognized systems in Raleigh-Durham, Winston-Salem, and Charlotte. South Carolina has quality care as well, but with fewer top-ranked hospitals.
7. Is there more outdoor recreation in North Carolina or South Carolina?
North Carolina offers mountains, lakes, beaches, and hiking trails. South Carolina emphasizes coastal recreation, golf, and water activities. Both states are great for year-round outdoor lifestyles.
8. Are home prices cheaper in North Carolina or South Carolina?
South Carolina is typically more affordable, especially for retirees on a budget. North Carolina home prices are higher in metro areas but remain reasonable compared to many other states.
9. Which state has better continuing education opportunities for seniors?
North Carolina offers robust lifelong-learning programs (such as OLLI at NC State and UNC Asheville). South Carolina also offers excellent programs, but often with lower enrollment costs.
10. How do I choose between North Carolina and South Carolina for retirement?
Compare climate, cost of living, taxes, health care access, and lifestyle priorities. Visiting each area—and touring 55+ communities—can help you determine which state best aligns with your retirement goals.
North Carolina vs. South Carolina: Which State Is Best for Your Retirement?
If you’re ready to explore more of what the Carolinas have to offer, 55places.com can help you take the next step with confidence. Our trusted real estate experts can introduce you to even more communities, compare retirement destinations, and help you find the setting that truly fits your lifestyle. When you’re ready to discover what’s next, contact us today to connect with an experienced guide who understands the needs of today’s active adults.
- Insights and market stats
- Instant new home alerts
- Answers from local 55+ experts
