Southold, NY 55+ Active Adult Retirement Communities

1 Community in Southold

Overview

Southold is one of four towns in Suffolk County, New York, located in the northeast corner of the state. Its prime location and coastal scenery have made it an enticing option for retirees. The town is also home to a quaint, relaxed environment, which is ideal for those in search of a comfortable lifestyle. 

Climate & Geography

Located on the North Fork peninsula of Long Island, Southold lies in a transitional zone between a humid subtropical climate and a humid continental climate. Summers in the region are hot and humid while winters can be cold and snowy, although they are milder than the rest of the state because of the town's coastal location. There is regular precipitation throughout the year, with more rainfall than the national average, an average amount of snowfall, and approximately 206 days of sunshine throughout the year. 

Southold is mostly surrounded by bodies of water: the Long Island Sound is to the north, the Shelter Island Sound and Peconic River to the east, and Little Peconic Bay to the south. Its home to a significant amount of nature reserves and wide-open land. On both ends of the island, residents can find miles of beaches. Southold also extends to two islands located to the northeast of the peninsula: Plum Island in Gardiners Bay, and Fishers Island in the Long Island Sound. 

Recreation, Culture & Entertainment 

Residents in search of outdoor recreation such as hiking, camping, hunting, fishing, canoeing, and more, will find plenty of opportunities in the nature areas around Southold. It's home to plenty of wildlife and coastal habitats including: Fisher Island Beaches, Pine Islands and Shallows, and Golfsmith Inlet and Beach. Aside from these, there are also six large vineyards across the town, which offer fine tasting wine and fascinating scenery. 

Southold is known for its small-town charm and neighborly feel. Their downtown is defined by local shops and businesses, such as antique stores, art galleries, restaurants, and breweries. Not to mention, its location on Long Island is convenient for residents who want to explore even more amenities, beaches, and attractions. Residents can also reach New York City in two hours by car or three hours on public transit, perfect for a day trip or a weekend getaway. 

Cost of Living & Taxes

Much like the majority of New York, the overall cost of living in Southold is significantly higher than national average. This can be attributed to the cost of housing which is well above the U.S median. 

In New York, Social Security benefits and military retirement pay are exempt from taxation. Federal and New York government pensions are untaxed as well. Moreover, residents who are 65+ qualify to have their property taxes reduced by 50 percent based on income requirements. The combined sales tax rate in Southold is 8.63 percent. 

Health Care 

Southold is in driving distance of Port Jefferson where residents can find two hospitals and medical centers. One of these facilities, John T. Mather Memorial Hospital, is rated high performing by U.S News in 3 adult specialties and 2 other procedures. 

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