Cramerton, NC 55+ Active Adult Retirement Communities

Cramerton is a small town in North Carolina, considered a suburb of Charlotte. The town, founded in 1906, is surrounded by scenic mountains, creeks, and mills. Residents are sure to enjoy the changing seasons, while still being able to enjoy year-round outdoor recreation because of the comfortable winter weather.

Climate & Geography

The climate in North Carolina is characterized as humid subtropical, which means summers are hot and humid, while winters are mild with almost no snowfall. Cramerton averages 42 inches of rain and approximately 212 sunny days per year.

South Fork Catawba River bisects the town and Duharts Creek flows into it.

Recreation, Culture & Entertainment

Recreation in Cramerton centers around its unique sceneries and landscapes. Some of the top attractions include Goat Island Park and Greenway, U.S. National Whitewater Center, the Daniel Stowe Botanical Garden, George Poston Park, Stowe Park, Town of Cramerton Riverside Park and Greenway, the Kevin Loftin Riverfront Park, and Seven Oaks Preserve Tail.

Being located in Gaston County gives residents of Cramerton access to popular spots nearby, like the Hoyle Historic Homestead, the Daniel Stowe Botanical Garden, Gaston County Museum, Schiele Museum of Natural History, Crowders Mountain State Park, Christmas Town, and Spencer Mountain.

Residents can also reach downtown Charlotte in less than 30 minutes, providing convenient opportunities for dining, shopping, and entertainment in the state's largest city.

Cost of Living & Taxes

Cramerton’s cost of living is lower than the state and national average. The primary factor is the cost of homes and housing, which are nearly 40 percent lower than the averages.

The effective income tax rate in North Carolina is 5.49 percent for single and joint filers alike. Retirement income like Social Security benefits are not taxed and railroad retirement benefits are exempt. Furthermore, the state’s Bailey Exemption allows for income from federal government, designated North Carolina state and local government, and military retirement plans be exempt if the taxpayer had at least five years of creditable service as of August 12, 1989.

Homeowners who are 65+ can also qualify for property tax relief programs depending on their income and age. Such programs include the Elderly or Disabled Exclusion and the state’s Circuit Breaker Tax Deferment Program.

Health Care

Health care facilities serving the Cramerton community include high performing and nationally ranked health care facilities with specializations in various procedures and conditions. These hospitals include CaroMont Regional Medical Center, Carolinas Medical Center, Novant Health Presbyterian Medical Center, Carolinas Healthcare System Pineville, Piedmont Medical Center, and Novant Health Matthews Medical Center. Though some of these health care facilities are not in Cramerton they are all within a 22-mile radius or less.