10 Southern Small Towns Where Couples Can Retire on Nothing but Social Security

Many small towns in the South are recognized for their historic business districts, stunning mountain views, or coastal charm. But those dream towns aren't out of reach just because you're on a strict budget with your retirement plan.

Southern towns can be affordable and fantastic places to enjoy retirement, even if you're living on Social Security alone. In 2025, the average monthly benefit for a married couple is $3,089, which can go surprisingly far in the right locations.

Here are 10 Southern small towns where a couple can retire comfortably on Social Security alone.

Editor's note: All average rent prices are provided by Apartments.com, and all home prices by Zillow.

Average rent: $1,232

Average home value: $311,351

In Foley, you can enjoy small-town living near the Gulf Coast with cities like Mobile and Pensacola, FL, just 45 minutes away. Local parks, such as Graham Creek Nature Preserve and Wilbourne Antique Rose Trail, are just a few where you can enjoy the outdoors. The historic downtown offers boutiques and shops, as well as the Coastal Alabama Farmers and Fishermens Market. You'll also find excellent health care and plenty to see and do.

Average rent: $1,179

Average home value: $1995,202

If you're looking for Cajun flavor without big-city prices, Sulphur is a great choice. Housing is affordable, and the cost of living in Louisiana is 4% lower than in other states. You'll have good health care, and the city of Lake Charles is just a few minutes away. After a round of golf, enjoy a picnic at Frasch Park or explore the Creole Nature Trail, all without overspending.

Average rent: $1,145

Average home value: $259,608

In Greensboro, you'll find Southern friendliness paired with city-sized perks. Public transportation makes it easy to get around, and the city has an active senior center. Free attractions, such as the Greensboro Arboretum and the Mary Lynn Richardson Historic Park, add to the appeal. With museums, libraries, and community events, you'll never run out of things to do on a budget.

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Average rent: $1,104

Average home value: $226,878

Spartanburg gives you the benefits of a city without the high costs. You can enjoy the many parks, such as Croft State Park, which are great for walks, hiking, and biking. Free concerts and festivals, along with a lively arts and cultural scene, keep the calendar full. On top of that, the walkable downtown makes events and dining out a pleasure. Altogether, Spartanburg is a wonderful place to stretch your budget.

Average rent: $1,092

Average home value: $272,472

Love mountain views? Roanoke is in the heart of the Blue Ridge Mountains. Explore the trails or visit the Historic Roanoke City Market downtown. Prefer more relaxing pursuits? Visit the local art galleries and museums, many of which offer free admission. With a cost of living 8.7% lower than the rest of the country, Roanoke offers natural beauty and affordability, which makes retirement more enjoyable.

Average rent: $1,074

Average home value: $321,091

If one word could describe Georgetown, it would be historic. Situated in the "golden triangle" of Cincinnati, Louisville, and Lexington, you'll find small-town charm and convenience. You can wander through streets lined with Victorian storefronts, take part in free community events, or explore nearby horse country. Health care access is excellent thanks to its proximity to Lexington, and you'll still pay less than in many bigger cities. It's a budget-friendly place to call home.

Average rent: $1,028

Average home value: $268,491

If coastal living without the high prices is your goal, Ocean Springs might be right for you. Known as the City of Discovery, you can explore countless outdoor attractions like Fort Maurepas State Park and the Davis Bayou Area. This walkable town offers free art festivals, local music, and beaches that provide plenty to do without breaking the bank.

Average rent: $1,026

Average home value: $289,657

Johnson City is considered one of the best places to live in the state of Tennessee. Less than two hours from Knoxville, you'll have views of the Appalachian Mountains and activities at Buffalo Mountain Park, along with free outdoor concerts and art festivals, like the Blue Plum Festival. The city's walkable downtown area features shops, restaurants, and cultural attractions to round things out.

Home to East Tennessee State University, the cost of living is lower than average, which helps you stick to your budget.

Average rent: $966

Average home value: $219,782

Called Georgia's Rose City, Thomasville offers small-town warmth with a touch of Southern elegance. In addition to the free Thomasville Rose Garden and the Rose Show & Festival, other attractions include the historic downtown, festivals, and community events. Head out to the Country Oaks Golf Course or explore the Jack Hadley Black History Museum, but create a to-do list first — there's plenty to do and see in Thomasville.

Average rent: $928

Average home value: $288,173

Lewisburg has been called one of the best mountain towns and has earned recognition in major publications, including Thrillist and Travel + Leisure. You can enjoy the Lewisburg Historic District Walking Tour, the Greenbrier River Trail, and plenty of outdoor concerts and art galleries. The town is known for its friendly people and solid health care access locally and nearby. With West Virginia largely considered the most affordable state for retirement, Lewisburg makes a pleasant retirement affordable.

The South offers more than just warm weather and hospitality. It's home to towns where your Social Security check can cover the essentials and still leave room for fun. Each town combines affordability with outdoor activities, interesting places to visit, and easy access to everything you need to make retirement comfortable and fulfilling.

And here's a tip: These towns all have senior centers and services for older adults. Some offer activities like yoga or art classes designed for retirees, while others provide helpful information about the services you need. Take advantage of them. Pick the right spot, and your golden years can be worry-free and relaxed.