5 Great Reasons to Retire in Delaware


Delaware is a state known for its low taxes and beautiful beaches. These two factors and more make the small state in the Mid-Atlantic a great place to consider for retirement. With 32 age-restricted and active lifestyle communities spread throughout the state, there’s also something for an active adult looking for a new place to call home.

Delaware Offers a Low Cost of Living

One of the biggest benefits to Delaware is the low cost of living. Although slightly higher than the national average of home prices, Delaware housing remains very affordable. The surrounding Mid-Atlantic area, including the Philadelphia and Washington, D.C. regions, have much higher average home prices. New construction homes are available in many Delaware 55+ communities starting as low as the mid 200s.

Delaware is a Great Tax State

Add to the low cost of living all the tax benefits that Delaware offers and the state is even more attractive for active adults. Delaware is well-known for having no state or local sales tax, which means paying less for everyday items. However, there are also tax benefits specifically for those over 60. Delaware also does not consider Social Security retirement benefits in calculating income tax. Retirees who draw much of their income from Social Security will end up paying less in income tax. People over 60 drawing other types of pensions also receive a $12,500 exemption from state income taxes. Retirees under 60 can receive an exclusion of $2,000. Homeowners over 60 can also receive specific rebates.

Great Beaches & Seaside Towns

Delaware’s big draw in the region is the beautiful Atlantic beaches. The southern beaches of Bethany, Dewey, and Rehoboth are within a half an hour drive of each other. While Dewey and Bethany are known for being family-friendly and relaxed, the town of Rehoboth offers shopping, restaurants, and art galleries.

Beach lovers will find themselves at home in the communities of Cedar Bay and Bay Crossing. Cedar Bay is a small community of condos located just minutes from the ocean. Residents can enjoy swimming in the outdoor pool and exercising at the clubhouse.

Bay Crossing offers single-family and attached homes less than five miles from the beaches. Residents can enjoy swimming in the outdoor pool, exercising in the fitness room and dance studio, and exploring the trails and ponds within the expansive community.

Great Golfing & Communities 

The coastal Delmarva Peninsula is also a great place for golf courses. Active adults can choose from 50 courses across the state. Active adults who want golf to be an everyday part of their life will be at home in Heritage Shores. This large 55+ community in Southern Delaware includes an 18-hole golf course designed by Arthur Hills, putting greens, a driving range, and pro shop. Active adults will love all the amenities the community has to offer, including an expansive clubhouse, fitness and aquatic center, and walking and biking trails.

The Wilmington area has performing arts venues, restaurants, museums, and special events. While the city itself has small-town charm, nationally-known museums and attractions like Winterthur, Longwood Gardens, and the Brandywine valley offer 55+ adults activities throughout the year.

The Ponds at Bayberry is an age-restricted community building new homes in the Wilmington area. Upon completion, it will have 489 single-family homes ranging in size from 1,376 to 3,121 square feet of living space. A popular community in the city of Wilmington is Milltown Village. The small community of just over 100 single-family and attached homes are minutes from outlet shopping, the racetrack and casino, and state and local parks.

It’s an Ideal Location

The state is also centrally located in the region, with easy access to big cities and airports. Active adults who want to experience city life are only hours away from Baltimore, Washington, D.C., Philadelphia, and New York City.

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