55+ Communities in North Carolina | Active Adult Living

Retirement communities in North Carolina boast landscapes ranging from the stunning Blue Ridge Mountains to picturesque coastal areas. Residents here have abundant opportunities for outdoor activities like hiking, fishing, and beachcombing. The state also has a rich cultural scene, with historic sites, theaters, and music festivals celebrating its cultural heritage. Additionally, the state's cost of living is attractive for those seeking a diverse active lifestyle in retirement.

Active adult communities in North Carolina have grown in popularity partially because the state became a popular retirement destination for "second chance" retirees. These individuals initially retired in Arizona and Florida and then re-settled in North Carolina.

North Carolina Climate & Geography

North Carolina's climate varies depending on where you're located. Most of the state experiences a humid, subtropical climate. The exception to this is in the Appalachian Mountains—one of the best places to retire in North Carolina. Along the coast, the ocean moderates the temperature and provides residents with milder winters and slightly cooler summers.

Summer highs along the coast are often in the upper 80s. From Charlotte to Raleigh-Durham, the central region experiences slightly hotter summers and cooler winters. It's not unusual for winter highs in Central North Carolina to exceed 50 degrees.

Areas in higher altitudes west of the state usually experience the coolest temperatures. Here, summer highs are in the mid-80s, and winter highs are in the 40s. Annually, this region averages 17 inches of snow. The rest of North Carolina sees just 2 inches of snow that tends to melt within a day or two.

Recreation, Culture & Entertainment in North Carolina

Recreational enthusiasts living in 55+ communities in North Carolina can enjoy nearly everything under the sun. From beaches, mountains, and walking trails to golf courses and fitness centers, there are many options.

The Blue Ridge and Great Smoky Mountains make for great hiking, biking, fishing, and camping. The colleges and universities throughout the state provide countless sporting and cultural events. Places like Charlotte and Raleigh-Durham Chapel Hill offer a wide variety of performing arts, museums, and art galleries.

North Carolina Cost of Living & Taxes

North Carolina's cost of living is 5% lower than the national average, and the tax burden is slightly lower. In addition, there is a $7,200 deduction for married couples who are 65 and older. Social Security income is exempt. Here's a quick look at North Carolina taxes:

4.50% individual income tax rate
2.5% corporate income tax rate
4.75% state sales tax rate
7.0% average combined state and local sales tax rate
0.63% effective property tax rate
No estate tax or inheritance tax

Health Care in North Carolina

Some of the country's best healthcare is in North Carolina. There are 126 hospitals throughout 83 counties. Charlotte has the highest concentration of hospitals, with 7 in the city.

There are 4 nationally ranked hospitals throughout the state. Duke Medical Center consistently ranks among the country's top 10 health care organizations. It's the largest in the state and is part of the other hospitals in the Academic Medical Center, including:

Duke University Hospital
Vidant Medical Center
UNC Hospitals
Wake Forest Baptist Center

Retiring in North Carolina FAQs

Where are the best places to retire in North Carolina?

North Carolina offers a lot of variety for retirees of any lifestyle. From larger cities with lots of amenities to smaller towns by the coast, there are many choices. Many retirees enjoy the climate and pace of 55+ communities in Raleigh, NC.

What are the best college towns to retire in North Carolina?

North Carolina has many well-known colleges, including the University of North Carolina and Duke University. Many of these college towns are becoming popular retirement spots with plenty of social activities.

Durham
Chapel Hill
Charlotte
Wilmington

What are the best 55+ communities in North Carolina to retire in?

The best community for you is one that fits your preferences, hobbies, interests, and needs. Here are some of the top retirement communities in North Carolina that many retirees enjoy:

These communities offer many floor plans, amenities, and social activities that help foster an active retirement lifestyle.

Is North Carolina or South Carolina better to retire in?

The Carolinas are great places to retire and maintain an active lifestyle. Ultimately, the decision comes down to preference. We've created a side-by-side comparison to help you quickly understand which is better for you.

How much does it cost to live in a 55+ community in North Carolina?

As of 2023, the average cost of residing in an age-restricted community is between $1,500 to $4,000 per month. This is due to HOA fees, onsite amenities, security services, and other expenses.