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8 Best Places to Retire in Georgia



The Peach State, located in the southeastern U.S. just north of Florida, is an attractive retirement destination for a wide range of lifestyles and budgets. From small towns to major cities, the Atlantic coast to the Blue Ridge Mountains, and affordable neighborhoods to upscale communities, Georgia offers diverse landscapes. In 2023, AARP cited reasons to retire in Georgia, including its tax advantages, relatively affordable housing, mild climate, and convenience of travel, with a caveat regarding the state’s low ranking in health care systems.

Bankrate ranked the best and worst states for retirement considering affordability, cost and quality of health care, weather, crime, and overall well-being, with the former weighted at 40 percent. Georgia took third place in 2024, primarily based on cost of living and an improvement in the health care category over recent years. Crime scores are poor in certain areas — something retirees may want to factor in when deciding on specific cities, towns, or neighborhoods. According to 2022 data from the U.S. Census Bureau, 15.1 percent of the state’s population is over the age of 65, fairly close to the national average of 17.3 percent.

Georgia does not tax Social Security benefits, but income from annuities, pensions, dividends, and pre-tax account withdrawals is taxable. However, the state allows individuals over the age of 62 to exclude significant amounts of taxable income, and the deduction increases at age 65. The state has no inheritance or estate taxes.

With many appealing places to live throughout the state, we spoke to local experts about their communities as retirement destinations. Based on our research, these are some of the best places to retire in Georgia.

Decatur

Architecture in Decatur, Georgia.

Boogich/Getty Images


The city of Decatur, about six miles from downtown Atlanta, attracts retirees, empty nesters, and seniors who move here to be near their grandchildren. Lisa Cronic of Sotheby’s Fine Homes points out the city’s walkability, along with its festivals, events, concerts, and restaurants. “Apartments, condos, and single-family homes make living in Decatur accessible for retirees of different economic means,” she says. Emory University also offers cultural and entertainment opportunities, as well as continuing education — a plus for many retirees.

The city’s excellent school system — a draw for many young families — corresponds to higher taxes, but seniors (65+) are eligible for tax reductions. As for housing, the median home value is $654,400, according to Niche.

Living in Decatur offers plenty to do outdoors, too, with abundant parks and green spaces, along with nearby Atlanta’s museums, entertainment, and professional sports venues. Plus, per SmartAsset, Decatur provides “a solid number of medical centers, with 13.98 locations per 1,000 residents.”

Dalton

Cherokee Brewing in Dalton, Georgia.

Courtesy of Explore Georgia


Located in the foothills of the Blue Ridge Mountains, Dalton is known as the “Carpet Capital of the World” for its 150-plus carpet producers and textile history dating to the early 1900s. According to realtor Laura Young of Coldwell Banker Kinard Realty, “Dalton is all business with a side of fun. We have great restaurants, unique shopping, and a lively downtown nightlife with bars, breweries, and an open container policy.” In addition to the nightlife, Young adds, “There’s great hiking and canoeing at Haig Mill Lake Park. It’s small but beautiful, with fishing, picnicking, and two walking paths.”

Dalton also has affordable housing and a low unemployment rate, appealing to seniors on a limited budget and those who may want to work part-time after retirement. Niche cites a median home price of $182,500, and excellent health resources and moderate winters, according to Best Places, seal the deal.

Sandy Springs

Paddleboarding in Sandy Springs, Georgia.

Jeffrey Greenberg/Universal Images Group via Getty Images


About 30 minutes north of downtown Atlanta, and an easy ride on MARTA public transportation, Sandy Springs is set along the Chattahoochee River, with more than 20 miles of river frontage, parks, and trails, according to realtor and 11-year resident Robin Conklin of Home Luxury Real Estate. “Sandy Springs is a wonderful place to live and retire. We get four true seasons, and are just two hours from the mountains and five hours from the beach.” Conklin says. “A great benefit for retirees is the Dorothy C. Benson Senior Multipurpose Complex, where they have art, computer, and other classes; adult daycare; fitness programs; lectures; and weekly trips, with no income requirements and no charge for the program.”

There’s an range of housing options, too, with the average home sales price for the last year at $730,000, per Conklin. She points out another plus for retirees: “Sandy Springs has the largest concentration of major health care facilities in Metro Atlanta. We also have an amazing performing arts center, festivals, parades, tennis and pickleball courts, and farmers markets. Lost Corner Preserve offers free lectures, fitness classes, photography and book clubs, and a community garden.”

St. Simons Island

St. Simons Island Lighthouse on St. Simons Island, Georgia.

Ron and Patty Thomas/Getty Images


One of four barrier islands on Georgia’s Atlantic coast, St. Simons Island offers golf, history, shopping, beaches, museums, outdoor activities, and a small-town atmosphere. Niche states the median home value is $445,500, and according to the World Population Review, the median age there is 57.4 years.

“With our extensive list of amenities including kayaking, boating, fishing, golf, pickleball, nature trails, miles of sidewalks, and the beaches, St. Simons Island has something to offer everyone,” Chandra Kendall, associate broker at DeLoach Sotheby’s International Realty, tells T + L. “The beauty of St. Simons is like no other. Once you see the moss-draped oak trees and watch a sunrise on the beach, you won’t want to leave.”

Cartersville

Cityscape of Cartersville, Georgia.

Bob Steiner/Getty Images


Small-town style and affordable housing make Cartersville appealing to retirees. The median home value here is $274,800, according to Niche, while Zillow estimates the average home price is $316,659. Realtor Chris Hardin tells T+L, “There’s a variety of housing, from single-family homes to apartments, as well as senior communities, including assisted and independent living.”

The walkable downtown offers restaurants, history, art, theaters, community events, and shopping. “Residents can easily get to the river, mountains, or parks,” Hardin says, adding that public transportation is also available, as is a transit service for seniors and individuals with disabilities.

Health care is convenient, too. Hardin notes, “For medical care, Piedmont Healthcare offices in Cartersville offer a range of services, including emergency care, surgery, imaging, and rehabilitation.”

Woodstock

Nature scene in Woodstock, Georgia.

Cavan Images/Getty Images


Located about 30 miles north of Atlanta, Woodstock is known for its walkable downtown, parks, trails, and appealing lifestyle. Hardin and his family have lived in Woodstock for 10 years, and according to him, “It’s a great place for families and retirees. You see a lot of retired folks on e-bikes and golf carts, enjoying being outdoors.” He adds that there are a range of homes available as well, from apartments to spacious houses. The median home value is $359,800, according to Niche, while Zillow reports the average home price is $448,164, an increase of nearly four percent over the previous year.

“Many seniors are moving in from states like California, and they find they can get a lot for their dollars in comparison,” Hardin says. “The city is adding downtown parking, and there’s a hotel in the works, too.”

Athens

City Hall in Athens, Georgia.

Marc Rasmus/Getty Images


Located in the northeastern part of the state, this city, home of the University of Georgia, is about 1.5 hours east of Atlanta. Carol Bitner, associate broker at Keller Williams Greater Athens, has helped many retirees find homes in Athens.

“They love the fact that they can audit classes at the University of Georgia at no cost. Also, there’s the Osher Lifelong Learning Institute (OLLI) with a wide range of classes, travel opportunities, and social events for adults ages 50 and over.” Bitner adds, “Athens has a small-town feel, with restaurants, concerts, a theater, museums, and a lovely botanical garden. So many seniors enjoy the mix of ages here in Athens. They tell me it makes them feel young.”

Niche states the median home value here is $242,300, while Zillow reports an average home value of $322,972. And with a variety of neighborhoods, from downtown to upscale Five Points, comes wide range of lifestyle options.

The median age in Athens/Clarke County is 33.3, and 21 percent of the population is over age 60. Health care quality and availability is rated excellent by Numbeo — an important consideration for many retirees.

Augusta

Broad street in Augusta, Georgia.

Courtesy of Explore Georgia


According to Jena Puckett, a realtor with Meybohm Real Estate, “Augusta is a great place to live. We have the Savannah River and Augusta Canal, where there’s beautiful scenery, hiking, biking, kayaking, and boat tours.” Puckett adds, “We also have Clarks Hill Lake nearby, with lots of things to do there.” The historic city offers an active lifestyle with moderate weather and a low cost of living. Zillow estimates the average cost of a home to be $172,060, compared to the estimate by Niche of $141,900.

Augusta also hosts the annual Masters professional golf tournament, attracting millions of television viewers and “patrons” (as Masters guests are called). Puckett notes, “Many Augusta homeowners rent their houses during the Masters golf tournament because there are so many visitors in town.” Numbeo rates health care quality and availability above average, and Puckett comments, “We have the Medical College of Georgia, with nursing, medical, and dental schools.”

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