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10 Best Cities to Retire in Georgia in 2021

If you’re looking for a warmer climate and reduced taxes on your retirement income, Georgia could be the state for you.

Stephanie Faris

Published March 1st, 2021

Key Takeaways

  • If you love history, Georgia is a great place to retire.
  • From small waterfront towns to large metropolitan areas, there’s plenty to choose from.
  • Make sure you look at access to healthcare and attractions as you search.

If you’re looking for a warmer climate and reduced taxes on your retirement income, Georgia could be the state for you. While the 65-plus population statewide is relatively low, there are areas of the state with a higher percentage of older adults than others.

The best places to retire in Georgia have amenities for retirees, easy access to healthcare, and plenty of dining and shopping options. Here are some of the top 10 best places for your Georgia retirement.

St. Simons

  • CITY POPULATION: 12,743
  • SHARE OF POPULATION 65+: 35.1%
  • COST OF LIVING FOR RETIREES: 15% above the national average
  • PER CAPITA INCOME FOR POPULATION: $59,982
  • TAX RATING FOR RETIREES: Tax Friendly

Resort-style living makes St. Simons Island one of the best places in Georgia to live. The cost of living is higher than average, but you’ll love the historic district with plenty of sights and events.

Savannah

  • CITY POPULATION: 144,464
  • SHARE OF POPULATION 65+: 13.1%
  • COST OF LIVING FOR RETIREES: 10% below the national average
  • PER CAPITA INCOME FOR POPULATION: $25,664
  • TAX RATING FOR RETIREES: Tax Friendly

America’s first planned city is often considered one of the best towns to live in Georgia overall. Packed with history and culture, Savannah features warm weather and plenty of annual events. With such a strong population, you’ll also have access to great healthcare options.

Atlanta

  • CITY POPULATION: 506,811
  • SHARE OF POPULATION 65+: 11.5%
  • COST OF LIVING FOR RETIREES: 1% below the national average
  • PER CAPITA INCOME FOR POPULATION: $59,948
  • TAX RATING FOR RETIREES: Tax Friendly

It would be hard to mention Georgia without bringing up Atlanta. Of all the places to live in Georgia, it’s the best if you want access to everything. The country’s ninth-largest city has an abundance of 55-plus communities and all the restaurants, shops, and healthcare you could need. There are also numerous suburbs that will get you out of the chaotic city while still giving you access to everything.

Fayetteville

  • CITY POPULATION: 17,991
  • SHARE OF POPULATION 65+: 19%
  • COST OF LIVING FOR RETIREES: 1% below the national average
  • PER CAPITA INCOME FOR POPULATION: $35,376
  • TAX RATING FOR RETIREES: Tax Friendly

Although Fayetteville has often been listed as one of the best towns in Georgia for young people, its large senior population makes it great for retirees. Just a half an hour from Atlanta, Fayetteville has all the amenities of suburban living, including shopping, outdoor recreational areas, and the third-largest amusement park in Georgia, Fun Spot America.

Cumming

  • COUNTY POPULATION: 6,547
  • SHARE OF POPULATION 65+: 20%
  • COST OF LIVING FOR RETIREES: 7% below the national average
  • PER CAPITA INCOME FOR POPULATION: $27,022
  • TAX RATING FOR RETIREES: Tax Friendly

Easy access to Lake Lanier makes Cumming’s county, Forsyth, the best county to live in Georgia for outdoor enthusiasts. The city’s rich history and shopping, dining, and healthcare also make it a charming retirement option for those who prefer smaller towns.

Augusta

  • CITY POPULATION: 197,888
  • SHARE OF POPULATION 65+: 13.5%
  • COST OF LIVING FOR RETIREES: 13% below the national average
  • PER CAPITA INCOME FOR POPULATION: $22,709
  • TAX RATING FOR RETIREES: Tax Friendly

This riverfront city is one of the best places in Georgia if you like history. The antebellum homes and historic sights make it a great place for retirees who are Civil War buffs. There’s also plenty of shopping, dining, and outdoor recreation to keep you entertained during your long, leisurely days.

Stone Mountain

  • CITY POPULATION: 6,281
  • SHARE OF POPULATION 65+: 9%
  • COST OF LIVING FOR RETIREES: 7% below the national average
  • PER CAPITA INCOME FOR POPULATION: $22,254
  • TAX RATING FOR RETIREES: Tax Friendly

Those who think of Stone Mountain as one of the best cities in Georgia to live are often drawn there because of Stone Mountain Park. But there are plenty of other reasons to like the city. You’ll get access to all the amenities that bring tourists to the area, including dining, shopping, and fun attractions.

Athens

  • CITY POPULATION: 126,913
  • SHARE OF POPULATION 65+: 10.5%
  • COST OF LIVING FOR RETIREES: 6% below the national average
  • PER CAPITA INCOME FOR POPULATION: $23,726
  • TAX RATING FOR RETIREES: Tax Friendly

Being home to the University of Georgia makes Athens one of many good places to live in Georgia. The college has plenty of learning opportunities for retirees, but you can also enjoy outdoor activities. You’re only a quick drive away from either the beach or the mountains if you’re in the mood for a day trip.

Twin City

  • CITY POPULATION: 22,646 (Emanuel County)
  • SHARE OF POPULATION 65+: 16.5%
  • COST OF LIVING FOR RETIREES: 12% below the national average
  • PER CAPITA INCOME FOR POPULATION: $19,389
  • TAX RATING FOR RETIREES: Tax Friendly

Located in East Emanuel County, Twin City is considered one of the nice places to live in Georgia due to its quiet streets and friendly population. Local restaurants specialize in Southern cooking, and you’ll find plenty of outdoor recreational options.

Marietta

  • CITY POPULATION: 60,867
  • SHARE OF POPULATION 65+: 12.9%
  • COST OF LIVING FOR RETIREES: 1% below the national average
  • PER CAPITA INCOME FOR POPULATION: $35,598
  • TAX RATING FOR RETIREES: Tax Friendly

If you’re looking for places in Georgia to live after retirement, Marietta is another name that will come up. The historic districts add charm to the city, while the nearby battlefield is popular with both history buffs and those looking for some fresh air. Regular cultural events ensure you’ll never run out of things to do.

Bottom Line

For those who love history and culture, Georgia can be a great state for retirement. The best cities to retire in Georgia typically offer a little bit of everything, from entertainment options to access to healthcare. But retirement needs can differ from one person to the next. We recommend reviewing your retirement savings with a Certified Financial Planner® to find the perfect city for your retirement years.

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Author

Stephanie Faris

Stephanie Faris has written about finance for entrepreneurs and marketing firms since 2013. She spent nearly a year as a writer for a credit card processing service and has written about finance for numerous marketing firms and entrepreneurs. Her work has appeared on Money Under 30, The Motley Fool, MoneyGeek, E-commerce Insiders, and GoBankingRates.

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