Realtors Predict These 10 Southern Cities Will Become Retirement Hot Spots

Retiring in a place that offers affordability and lifestyle appeal can be a smart move. With its generally lower cost of living, favorable tax policies, and wide range of landscape settings, the American South has become an attractive option for retirees looking to maximize their senior benefits.

Add in access to quality healthcare, rich culture and history, and a growing inventory of affordable homes, and it's easy to see why real estate experts say these Southern towns are poised to become the next retirement hotspots.

The Rocket City boasts a dynamic, walkable downtown featuring vibrant restaurants, shops, and a spacious park. Sports enthusiasts can cheer on the Rocket City Trash Pandas baseball team and the Huntsville Havoc hockey team. Healthcare services are robust, with Huntsville Hospital recognized as the second-best in the state.

As of April 2025, the median sale price in Huntsville was approximately $335,000, offering a cost-effective entry point into a vibrant housing market. Additionally, Alabama does not tax Social Security benefits — giving retirees a financial edge.

This Ohio River town checks many boxes for an ideal retirement destination. With a median sale price under $200,000, Paducah offers exceptional value in a market that remains accessible. The city also has a range of retirement living options, from independent living communities to senior apartments and condos, making it easy to find a setup that fits your lifestyle.

As a designated UNESCO Creative City, it boasts a vibrant arts and cultural scene, blending small-town charm with an appreciation for the creative spirit. Combined with a low cost of living and ample healthcare services, Paducah is becoming a contender for those seeking both affordability and quality of life in their golden years.

One of the fastest-growing metro areas in the Commonwealth, Winchester has become a favorite choice for retirees in recent years.

"Many buyers have children who work or live in the Washington, D.C. area, which is only an hour away," says Sheila Pack, a REALTOR® with RE/MAX Roots. "Winchester is a happy medium without the hustle and bustle of the big city."

Affordability is a big draw — according to Realtor.com, the median sale price in May 2025 was around $367,500. Lower taxes on retirement benefits also help retirees lower their financial stress.

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Offering a blend of affordability, cultural richness, and Ozark beauty, Eureka Springs is gaining attention as a compelling retirement destination. With a cost of living 12% below the national average, according to the Economic Research Institute, and median age of 50.9, according to the Census Reporter, Eureka Springs is perfect for retirees seeking a cost-effective environment.

Surrounded by scenic mountain landscapes, Eureka Springs has ample opportunities for outdoor recreation. Its pedestrian-friendly downtown is blessed with Victorian architecture and a vibrant arts scene, with numerous galleries and public art installations.

Despite its antebellum grandeur, Natchez offers an affordable, slower pace of life. The Natchez Senior Citizen Center offers a wide variety of classes and workshops to keep residents active and engaged in the community.

One of the state's oldest towns, Natchez is blessed with a wide variety of housing options: from historic homes to modern abodes to senior-friendly arrangements. Redfin listed the median sale price at $164,500 in April 2025, a 35% decrease from 2024. Those looking to buy in Natchez have a good chance at finding a great home at a very affordable price.

Affordability, safety, and high quality of life are all possible in Edmond. Cost of living is approximately 10% below the national average, according to PayScale. As of April, the median sale price in Edmond stands around $372,000, providing retirees with accessible homeownership opportunities.

Edmond's commitment to safety and community well-being is evident in its low crime rates and emphasis on healthcare and education. Proximity to Oklahoma City provides easy access to urban amenities while maintaining its suburban character. Additionally, the city has numerous parks and cultural attractions, and a lively Senior Center, contributing to an active and fulfilling retirement lifestyle.

Snowbirds might consider Laredo for its year-round warm temperatures — but it's also ideal for retirees seeking affordability and community support. According to Realtor.com, in May 2025, the median sale price in Laredo was around $265,000. With diverse senior living options and an affordable housing market, finding your ideal home in Laredo is achievable.

Additionally, retirees in Laredo may also benefit from the city's participation in the Texas Municipal Retirement System (TMRS). This program offers monthly benefits for retirees, including deferred compensation accounts.

If smaller-town living is on your golden-years wishlist, Hickory is worth a second look. The downtown area has undergone significant revitalization, featuring a variety of unique retail shops, restaurants, breweries, and entertainment venues.

"Hickory is blessed with small-town charm," says Jameson Diemicke, a Broker REALTOR® with RE/MAX Properties Plus. "The downtown area is growing and improving a lot, which is great to see."

Housing prices in Hickory are currently affordable — the median sale price in May 2025 was around $300,000. However, Diemicke cautions that prices may rise as the Charlotte metro area continues to expand. Now may be the time to buy in Hickory if it checks all your boxes.

With its combination of cultural richness, affordability, and supportive community programs, Valdosta presents a compelling option for retirees seeking a balanced and engaging lifestyle.

As of April 2025, the median sale price in this southern Georgia hotspot stands at $218,000 — presenting retirees with an accessible entry point into homeownership.

For those interested in lifelong learning, Valdosta State University hosts the Learning in Retirement program, which offers over 80 classes and events each semester for individuals aged 50 and above.

For a coastal lifestyle without the price tag, Hardeeville may be a good call. This hidden gem is growing steadily year over year, for good reason — it's blessed with Lowcountry charm, historic architecture, ample access to area golf courses, and plenty of outdoor recreation along the intercoastal waterways. With a median age of 61.4, according to the Census Reporter, retirees can easily find friendships and community.

Hardeeville is considerably more affordable than nearby Hilton Head Island. The median sale price in April was around $447,700, according to Redfin, down 10% year over year. Now may be a good time to secure your home in Hardeeville for a coastal retirement.

Retirement doesn't have to mean settling down in a crowded market. Across the South, a number of towns are quietly becoming havens for retirees — offering affordable housing, rich cultural experiences, access to nature, and even financial incentives to help you avoid money mistakes.

Whether you're drawn to mountain towns or lakeside communities, the key is to plan ahead. Research local benefits, weigh the cost of living, and consider how each location aligns with the lifestyle you desire in retirement. The earlier you start, the better positioned you'll be to make the most of your next chapter.