Retirement Retired Life

10 Small Towns Where Retired Golfers Can Live the Dream

Take a more leisurely view of retirement with a small-town feel for you and your golf clubs.

man playing golf at golf club
Updated Dec. 17, 2024
Fact checked

Retirement is a time to pursue your favorite hobbies like golfing, but where should you live?

But if you don’t want to retire to a big city, there are some small towns across the country that are perfect spots for golfers to take to the links and enjoy a round of golf.

Check out these potential options for where to move with your golf clubs as you plan for retirement.

Earn cash back on everyday purchases with this rare account

Want to earn cash back on your everyday purchases without using a credit card? With the Discover®️ Cashback Debit Checking account (member FDIC), you can earn 1% cash back on up to $3,000 in debit card purchases each month!1

With no credit check to apply and no monthly fees to worry about, you can earn nearly passive income on purchases you’re making anyway — up to an extra $360 a year!

This rare checking account has other great perks too, like access to your paycheck up to 2 days early with Early Pay, no minimum deposit or monthly balance requirements, over 60K fee-free ATMs, and the ability to add cash to your account at Walmart stores nationwide.

Don’t leave money on the table — it only takes minutes to apply and it won’t impact your credit score.

Apply for a Discover Cashback Checking account today

Pinehurst, North Carolina

BGStock72/Adobe golf course

Pinehurst is nestled in central North Carolina, with the Pinehurst golf complex as a central spot for golfers. It features a whopping 10 18-hole golf course for you to try, so you’ll never get bored.

The area also features the USGA Experience and World Golf Hall of Fame to explore so you can learn more about the sport and see some of golf’s unique history.

Hilton Head, South Carolina

Nischaporn/Adobe golf ball on green grass

Check out Hilton Head if you want to retire somewhere near the water and have access to plenty of courses.

The area includes 33 golf courses to try out, including some of the best courses designed by golf course legends like Pete Dye and Jack Nicklaus, which you can play year-round.

Fairfield Glade, Tennessee

Marek/Adobe sunset at golf course

Check out Fairfield Glade, which has 90 holes of golf spread out over five different courses to play when you retire.

The town also offers plenty of additional outdoor activities after a round of golf, including hiking and biking trails, water sports, tennis, and pickleball.

Earn $200 cash rewards bonus with this incredible card

There's a credit card that's making waves with its amazing bonus and benefits. The Wells Fargo Active Cash® Card(Rates and fees) has no annual fee and you can earn $200 after spending $500 in purchases in the first 3 months.

The Active Cash Card puts cash back into your wallet. Cardholders can earn unlimited 2% cash rewards on purchases — easy! That's one of the best cash rewards options available.

This card also offers an intro APR of 0% for 12 months from account opening on purchases and qualifying balance transfers (then 19.49%, 24.49%, or 29.49% Variable). Which is great for someone who wants a break from high interest rates, while still earning rewards.

The best part? There's no annual fee.

Click here to apply now.

Branson, Missouri

castort/Adobe idyllic golf course hole scene

Branson is well known for its live entertainment and events to keep you busy when you retire there, but it also has some great golf courses too.

The Top of the Rock Golf Course is a great Jack Nicklaus-designed course to head to with your clubs. Branson is also home to the Buffalo Ridge Springs Golf Course and Branson Hills Golf Club for you to play a few rounds.

St. Simons Island, Georgia

Jim Babbage/Adobe sunrise over golf course

Try an ocean view for your retirement years if you move to St. Simons Island to enjoy golfing in Georgia.

The area includes eight public or semi-public courses so you don’t have to worry about joining a club to get access to plenty of holes of golf.

Palm Springs, California

photogolfer/Adobe golf course palm springs california

You might not think of Palm Springs as a small town, but the city population isn’t as large as you think, with fewer than 50,000 residents.

That means you might not have to compete with as many locals to get a tee time on some of the area’s best golf courses like the Indian Wells Golf Resort with 36 holes of golf, the Classic Club with 18 holes by Arnold Palmer Signature Design, or the PGA West with nine courses to try.

Hot Springs Village, Arkansas

Yeongsik Im/Adobe golfers putting practice

Hot Springs Village is a great option if you’re looking for golf and 55+ community options for your retirement years.

The town boasts several retirement communities, giving you a good home base to explore the area's golf courses. One course that may catch your eye is the Hot Springs Country Club, which has been around since 1898 and features multiple courses with historic charm.

Vero Beach, Florida

freebird7977/Adobe putting golf ball on tee

Along the Atlantic Coast of Florida is Vero Beach, which has plenty of golf courses in the area that you can choose from for year-round play.

Check out the Sandridge Golf Club, for example. It offers two courses, the classic Dunes Course and the challenging Lakes Course.

Ocean City, Maryland

Allen.G/Adobe golfer wearing straw hat playing golf

Ocean City is within driving distance of major metropolitan areas like Philadelphia and Washington, D.C., but it still gives you a small-town feel for your retirement with your golf clubs.

The area includes The Links at Lighthouse Sound and Rum Pointe Golf Course, giving you water views before you head down to the Ocean City boardwalk for restaurants and bars after a long day hitting the links.

If you’re over 50, take advantage of massive discounts and financial resources

Over 50? Join AARP today — because if you’re not a member you could be missing out on huge perks. When you start your membership today, you can get discounts on things like travel, meal deliveries, eyeglasses, prescriptions that aren’t covered by insurance and more.

How to become a member today:

  • Go here, select your free gift, and click “Join Today” 
  • Create your account (important!) by answering a few simple questions 
  • Start enjoying your discounts and perks!

You’ll also get insider info on social security, job listings, caregiving, and retirement planning. And you’ll get access to AARP’s Fraud Watch Network to help you protect your money, as well as tools to help you plan for retirement.

Important: Start your membership by creating an account here and filling in all of the information (Do not skip this step!) Doing so will allow you to take up 25% off your AARP membership, making it just $12 per year with auto-renewal.

Become an AARP member now

Gaylord, Michigan

Daniel Thornberg/Adobe golf course with bunkers during day time

There are options if you want a town with four seasons and some great golf, even if you might not be able to play year-round.

Check out Treetops Resort, for example, which includes multiple golf courses to try including the only course in the state designed by golf course architect Tom Fazio. You can also try the Otsego Resort with two unique courses that you can play.

Bottom line

littlewolf1989/Adobe senior couple with golf gear at club

Retiring in a small golf town could be a great option if you want to play some holes while trying to avoid the high cost of living in a big city.

It’s also a good idea to prepare for retirement by creating an estimated budget now so you’ll know how much you’ll need to live and save for a stress-free retirement later.

Remember to factor in necessary costs like groceries and utilities as well as leisure costs like the tee time costs or club fees you might have to pay to enjoy golfing during your retirement years.

Lucrative, Flat-Rate Cash Rewards

5.0
info

Wells Fargo Active Cash® Card

Current Offer

$200 cash rewards bonus after spending $500 in purchases in the first 3 months

Annual Fee

$0

Rewards Rate

Earn unlimited 2% cash rewards on purchases

Benefits and Drawbacks
Card Details