Michelle Mattison, MBA
August 17, 2026
The Carolinas have become one of the most popular retirement destinations in the United States, and it is easy to see why. With a mild four-season climate, relatively low taxes, excellent healthcare, and a cost of living well below the national average, North Carolina and South Carolina offer retirees an exceptional quality of life. Whether you dream of waking up to lake views or mountain vistas, here is a guide to the best communities for retiring in the Carolinas in 2026.
Lakeside Retirement Communities
Lake Norman, North Carolina
Lake Norman is the largest man-made lake in North Carolina, offering 520 miles of shoreline just 20 miles north of Charlotte. Retirees love Lake Norman for its waterfront living, boating, fishing, and proximity to Charlotte's world-class healthcare system and international airport.
- Waterfront homes: $500,000 to $2,000,000+
- Off-water homes: $300,000 to $600,000
- Key communities: Cornelius, Davidson, Mooresville
- Retiree benefits: No tax on Social Security, low property taxes, proximity to Atrium Health and Novant
Lake Keowee, South Carolina
Lake Keowee, located in Upstate South Carolina, is known for its crystal-clear waters and pristine shoreline. The lake is less developed than Lake Norman, offering a quieter, more natural setting. The Cliffs communities (Cliffs at Keowee Falls, Cliffs at Keowee Springs, Cliffs at Keowee Vineyards) offer luxury retirement living with golf, wellness centers, and marinas.
- Waterfront homes: $600,000 to $3,000,000+
- Off-water homes: $350,000 to $700,000
- Retiree benefits: SC retirement income deduction, no Social Security tax, low property taxes
- Healthcare: Close to Greenville Health System and St. Francis Hospital
Greenville, South Carolina
Greenville itself has become a top retirement destination, offering a walkable downtown, the Swamp Rabbit Trail, Falls Park on the Reedy, and a thriving arts and culinary scene. Retirees can choose from Downtown Greenville, North Main, or Augusta Road for established, walkable neighborhoods.
- Typical home: $300,000 to $600,000
- Retiree benefits: Walkable downtown, active senior community, moderate climate
- Healthcare: Prisma Health (formerly Greenville Health System), Bon Secours St. Francis
Mountain Retirement Communities
Asheville Area, North Carolina
While Michelle Mattison's primary service areas focus on the Charlotte metro and Upstate SC, many retirees explore the Asheville area for mountain living. The Blue Ridge Mountains offer cooler summers, stunning views, and a vibrant arts community. Retirees should consider both the higher elevation climate and the distance from major healthcare centers.
Upstate South Carolina Mountain Foothills
The foothills of the Blue Ridge Mountains in Upstate South Carolina offer mountain views with easier access to healthcare and shopping than higher-elevation communities. Areas near Greenville provide a balance of mountain beauty and urban convenience, with communities like Verdae offering master-planned living.
Tax Benefits for Retirees
Both North Carolina and South Carolina offer significant tax advantages for retirees:
- North Carolina: No tax on Social Security income. Flat income tax rate that has been decreasing annually. Property tax homestead exemption available for seniors.
- South Carolina: No tax on Social Security. Retirement income deduction up to $15,000 per spouse for those 65+. No estate tax. Property tax exemption for homeowners 65+ on the first $50,000 of fair market value.
Compare these benefits in our detailed cost of living comparison across Charlotte, Greenville, and Atlanta.
Healthcare Access
Healthcare access is a critical factor for retirees. The Carolinas offer excellent medical facilities:
- Charlotte: Atrium Health Carolinas Medical Center, Novant Health Presbyterian Medical Center
- Greenville, SC: Prisma Health Greenville Memorial Hospital, St. Francis Downtown
- Research Triangle (Raleigh/Durham): Duke University Hospital, UNC Medical Center
Choosing Between NC and SC for Retirement
Both states are excellent for retirement. North Carolina offers a broader range of geography (mountains to coast) and a slightly larger metro economy. South Carolina offers lower overall tax burden for many retirees and a more relaxed pace. As an agent licensed in both states, Michelle Mattison can help you compare specific communities and make an informed decision based on your retirement goals.
Ready to explore retirement communities in the Carolinas? Schedule a consultation with Michelle Mattison to discuss your retirement plans, or browse our Greenville and Lake Norman Explore Areas pages.
COMMON QUESTIONS
Frequently Asked Questions
Q1Is North Carolina or South Carolina better for retirement?
Both states offer excellent retirement benefits. North Carolina has no tax on Social Security income and offers a flat income tax rate that is decreasing. South Carolina offers a generous retirement income deduction (up to $15,000 for those under 65, and up to $15,000 for those 65+ per spouse). Both states have relatively low property taxes compared to the national average. The best choice depends on your lifestyle preferences: North Carolina offers mountains and lakes, while South Carolina offers coastal access and the Upstate lake region.
Q2What are the best lakeside communities for retirees in the Carolinas?
Lake Norman near Charlotte, Lake Keowee in Upstate South Carolina, and Lake Hartwell on the SC/GA border are top choices. Lake Norman offers proximity to Charlotte's healthcare and airport, Lake Keowee offers pristine water quality and a quieter lifestyle, and Lake Hartwell offers affordability and a mild climate. Each offers waterfront homes, boating, and active retiree communities.
Q3Does South Carolina tax retirement income?
South Carolina offers a retirement income deduction of up to $15,000 for individuals under 65, and up to $15,000 for those 65 and older (per spouse). Social Security income is not taxed. Additionally, South Carolina has no estate tax. Property taxes are also relatively low, and homeowners over 65 may qualify for additional exemptions.
Q4What is the cost of living for retirees in the Carolinas?
The cost of living in the Carolinas is below the national average, making it attractive for retirees. Housing costs are significantly lower than in Northeast and West Coast markets. Healthcare costs are moderate, with excellent medical centers in Charlotte, Greenville, and the Research Triangle. Overall, retirees can expect their retirement income to go further in the Carolinas than in many other popular retirement destinations.