13 North Carolina Towns Where Couples Can Live on Nothing But Social Security

You should be able to enjoy a stress-free retirement, even if you're on a fixed income. For those relying on Social Security, making ends meet can be challenging. However, if you're considering relocating, North Carolina is an excellent destination for retirees.

You'll find low property taxes, no state tax on Social Security benefits, and a cost of living comfortably below the national average. In 2025, the average Social Security benefit for a retired couple is around $4,000 per month. In North Carolina, you can comfortably live on this alone without giving up comfort or convenience.

We've rounded up 13 North Carolina towns where you can stretch your retirement income. Will one of them be your new home?

Editor's note: Unless otherwise mentioned, all rent figures were provided by Apartments.com, and all home prices by Zillow.

Average rent: $766

Average home price: $469,432

Brevard boasts a vibrant arts scene, offers numerous outdoor recreation opportunities, and is conveniently located near Pisgah National Forest. Nestled in Transylvania County amid the oldest mountain range in the Eastern U.S., it's known as the Land of Waterfalls. Retirees can enjoy affordable living costs, and rent prices, in particular, are very reasonable.

Average rent: $690

Average home price: $301,309

Franklin is an affordable mountain town known for its peaceful atmosphere and easy access to the Appalachian Trail, the Mountain Waters Scenic Byway, and Nantahala National Forest. It's an ideal destination for retirees who love nature but prefer not to pay high prices. Social Security benefits go further, too, so you can enjoy that additional level of comfort.

Average rent: $1,071

Average home price: $287,106

Sanford is just outside Raleigh, offering beautiful new homes and affordable rent, making it an ideal place to retire. Although the town is growing, it retains a sense of community and small-town charm, with a wealth of things to see and do. It's close to the big cities, so you can stay connected, yet it's far enough that you feel immersed in nature and neighborhood charm.

Average rent: $1,304

Average home price: $277,545

New Bern is a historic, scenic town situated on the riverfront and less than an hour from fabulous beaches. Residents enjoy walkable neighborhoods, cultural attractions, fine dining, outdoor activities such as boating and golf, and the nearby Croatan National Forest. New Bern is conveniently located near larger cities, including Raleigh and Greenville.

Average rent: $600 (according to Rental Market Trends)

Average home price: $257,371

Broadway is the perfect blend of small-town charm and affordability, with average rents of $600 and home prices around $262,711. Its tranquil, family-based environment is perfect if you're looking for a peaceful setting or have family to visit. The low rent means Social Security benefits can more than cover the essentials.

Average rent: $525

Average home price: $246,008

The small mountain town of Marion, NC, has a population of 7,534 and is very budget-friendly for retirees. Offering a relaxed pace of life, stunning scenery, and a revitalized downtown with local shops and restaurants, it's easy to see why people choose to spend their golden years here.

Average rent: $443

Average home price: $219,859

Located in the scenic Yadkin Valley of North Carolina, Elkin is famous for its wineries and natural beauty and is an attractive choice for retirees who want quiet and affordable living. Social Security benefits here go a little further, meaning you can live very comfortably. You could even go on a vacation or two!

Average rent: $1,085

Average home price: $220,552

Fayetteville is known for its strong community feel, top-tier health care service, and plenty of cultural and recreational opportunities. From the Cape Fear River and scenic parks to many museums and a thriving arts scene, it offers plenty for retirees living on Social Security.

Average rent: $1,084

Average home price: $215,814

Shelby offers an excellent balance between affordability and livability. The town is renowned for its rich history and its location at the foothills of the stunning Blue Ridge Mountains, making it an ideal spot for nature lovers and those seeking a slower pace of life. Social Security can easily cover your essential living costs here while maintaining a comfortable quality of life.

Average rent: $1,025

Average home price: $202,678

Mount Airy is a charming town with a population of around 10,000. Less than 45 minutes from three state parks, you'll find scenic surroundings and a rich history. Known as the inspiration for "Mayberry R.F.D.," it offers a nostalgic, small-town way of life where Social Security income can cover your living expenses.

Average rent: $1,050

Average home price: $200,859

Reidsville was voted one of the top 10 cities to retire in North Carolina, and with its affordable cost of living, an abundance of recreational activities, and many lakes, trails, and natural views to enjoy, it's not hard to see why. Another benefit of living here is the proximity to larger cities without the high cost of urban living.

Average rent: $991

Average home price: $189,426

Rocky Mount is a historic North Carolina town with a relaxed pace of life and strong community spirit. You'll find a great selection of locally owned shops and galleries, and seniors can stay active with free gym facilities and classes. With discounts on Tar River Transit buses and Amtrak as the station is right in town, you can sit back and get around in style.

Average rent: $618

Average home price: $145,389

Lumberton features one of North Carolina's most affordable housing markets. Combined with its low cost of living, it's an ideal destination for retirees seeking to maximize their Social Security benefits. It has a population of around 19,000 and all the facilities you could need, from excellent health care to efficient public services and friendly neighborhoods.

These 13 North Carolina towns offer the perfect blend of affordability, small-town charm, and proximity to essential services, making them ideal choices for retirees. Whether you're drawn to the mountains, foothills, or quiet riverfront locations, you won't need to break the bank to retire comfortably.

And who knows? Panning for gold is a popular recreational activity in North Carolina, and with luck, your retirement years might be a little more golden than you imagined. One thing is certain: with a solid retirement plan and the right location in North Carolina, you could rely on just Social Security alone.