Additional Coverage:
- 10 North Carolina Cities Where You Can Actually Live on Nothing but Social Security (financebuzz.com)
For retirees living primarily on Social Security, relocating to a more affordable area can be a smart financial move. North Carolina offers several cities with reasonable living costs, pleasant weather, and plenty to do. The average Social Security benefit in January 2025 was around $1,976, and the cities listed below offer median rents and home prices well within that range.
Gastonia, just a short drive from Charlotte, provides access to big-city amenities without the high price tag. Local parks, pools, and shops offer plenty of affordable entertainment close to home.
Greensboro boasts a cost of living significantly lower than the national average, particularly for housing. Its parks and gardens provide beautiful, low-cost recreation.
History buffs will appreciate Fayetteville, home to the Airborne and Special Operations Museum and the Museum of Cape Fear. Both offer free admission.
Jacksonville, a coastal town on Morgan Bay, features an international food trail with diverse restaurants and cafes.
Burlington’s strong community spirit and six community centers offer retirees ample opportunities to socialize and participate in activities.
Reidsville, near Greensboro, provides a quieter lifestyle with affordable housing. Its two lakes and the Reidsville Greenway offer outdoor recreation.
Lumberton is home to North Carolina’s first certified retirement community, with amenities and social opportunities geared toward seniors. Parks, vineyards, and antique shops add to the city’s charm.
New Bern, one of North Carolina’s oldest towns, offers scenic waterfront views and affordable rental options.
Winston-Salem, located inland, offers a vibrant cultural scene with festivals and events throughout the year.
Asheboro boasts the world’s largest natural habitat zoo and other attractions like golf courses, museums, and a reservoir.
Finding the right retirement location takes time and effort, but choosing a city that balances your budget and lifestyle preferences can lead to a fulfilling retirement. Planning ahead and researching your options is key to making a smooth transition.