Why North Carolina Is a Top Choice for Retirement

Why Retirees Choose North Carolina

While Florida has long been famous as a retirement destination, other states are rapidly catching up to and even overtaking the Sunshine State. North Carolina often ranks as one of the top contenders. In fact, North Carolina netted more than 30,000 new residents in 2025. The table below outlines a few reasons retirees are increasingly finding the state a great place to settle.

*Tax benefits vary. Consult a tax professional for further guidance.

North Carolina’s Tax Benefits for Retirees

North Carolina remains a very affordable state, and many retirees find the financial benefits appealing as they prepare to downsize, buy new homes, and look toward the future. One large benefit for retirees is the state income tax exemption on Social Security earnings. Other forms of retirement income, such as military pay, may also qualify as tax-exempt. North Carolina also does not have an inheritance tax or estate tax, which can help with financial planning. 

A Predictable Cost of Living

Affordability is a big reason many retirees choose to relocate, and North Carolina certainly has a lot to recommend. Many states that retirees are leaving, such as California and New York, are noted for their higher-than-average costs and tax burdens, which can significantly chip away at fixed retirement incomes. By contrast, North Carolina’s cost of living is frequently at or below the average nationwide rate, making it much easier for retirees to live comfortably.

North Carolina’s property values, property taxes, and insurance costs are also quite appealing to many retirees. This is especially true when compared to states like Florida, where desirable real estate has become increasingly expensive and more difficult to insure thanks to hurricane risks. By contrast, relocators who settle in North Carolina often find these costs more manageable, particularly outside major population centers.

A Genuine Four-Season Climate

If you’re looking for plenty of warm weather, but still want to enjoy all four seasons, North Carolina definitely delivers. The state’s climate varies, with warm summers and milder winters prevailing in most areas. This is particularly true in Eastern North Carolina, which sits outside of the Appalachian Mountains and often experiences long stretches of pleasant days, even into late fall and winter. 

Although extreme weather can still occur in North Carolina, it’s not as prevalent as in the hurricane-prone Gulf states, the blizzard-prone Northeast, or the heat-prone Southwest. Those who are fond of outdoor recreation like golf, hiking, biking, and watersports often find that they have plenty of chances to still get outside in every season.

A Top-Tier State for Golf and Outdoor Recreation

North Carolina’s recreation is among some of the most diverse and exciting in the country, with the Appalachian Mountains and the Carolina Coast offering something for everyone. Retirees who want to make golf a regular part of their routines will certainly find nothing to disappoint.

North Carolina is home to multiple top-ranked golf courses, including the world-famous Pinehurst resort. In fact, Golfweek ranks North Carolina as having some of the best public-access golf courses in the country, including:

• Pinehurst Resort (No. 2)
• Pinehurst Resort (No. 10)
• Pinehurst Resort (No. 4)
• Mid Pines
• Pine Needles
• High Hampton
• Tot Hill Farm
• Tobacco Road

But beyond golf, North Carolina has plenty of other recreational options available to the active retiree. North Carolina is home to 10 national park sites and 41 state parks, plus coastal fishing and boating, and countless mountain trails. For those who are looking for a little additional relaxation, the state’s hospitality industry is second to none. Countless resorts, wineries, bed and breakfasts, and historic small towns all lie within an easy few hours’ drive.

A Location That Keeps You Close to What Matters

Being centrally located in the mid-Atlantic south makes North Carolina particularly appealing to retirees who want to relocate, but don’t want to give up access to the people and places they love. The state boasts a strong interstate highway system, with I-40, I-85, and I-95 being just a sampling of the major traffic arteries that connect the state to the Northeast, the greater Southeast, and the West. Rail connections and several major airports also facilitate easy travel.

Residents who settle in smaller North Carolina towns also find it very convenient to access all the everyday amenities they need. Major cities and regional communities alike boast exceptional healthcare facilities, internationally recognized research universities, diverse economic opportunities, and unmatched attractions.

Communities Built for Connection, Not Just Housing

Most retirees who choose North Carolina also find it easy to pick a community that is the right fit. The state is home to numerous communities that cater to retirees, but beyond that, there are countless other options that make it easy for locals to embrace their favorite pastimes, including golf. If you want to live in a place that offers a welcoming, neighborly feel and plentiful amenities, one of these planned communities is definitely worth considering.

As you begin your search for the perfect home, you’ll want to carefully weigh options like the community structure, local perks, and social benefits. If your retirement plans include a lot of golf, Cutter Creek is a stand-out option that is definitely worth considering.

Why Cutter Creek Is the Ideal Place to Retire in North Carolina

Cutter Creek Golf Club is a lush, 634-acre gated golf community conveniently located just outside Snow Hill in eastern North Carolina. The 7,300-yard course was designed by award-winning architect Bob Moore and features five tee sets that offer exciting play for golfers of every skill level. Premier practice facilities also make it easy to brush up on your game before you tee off for the day.

Cutter Creek and Snow Hill are also located close to Greenville and all of its regional amenities, including East Carolina University and ECU Healthcare. Raleigh, the Research Triangle, and the Carolina Coast are all within a 90-minute drive. It’s close enough to feel connected to everything, but just far enough away that you can feel like you can embrace the slower side of life. 

New-build homes and buildable lots are available, making it easy for you to create a dream retreat where you can sit back, relax, and enjoy easier living at its best.

Amenities Built for Active Retirees

Alongside the golf course, Cutter Creek has plenty to offer active retirees, both at home and in the local neighborhood. Take advantage of:

• A resort-style swimming pool with poolhouse
• Four hard-top pickleball courts
• The Cutter Creek Grill and Bar, offering indoor and outdoor dining in a scenic setting
• Organized community and social activities year-round
• Community walking trails
• Ample access to regional amenities in Greenville, Kinston, Goldsboro, and beyond

Cutter Creek also has everything you need when the family comes to town. Our Stay & Play cottages come in a variety of floor plans and offer all the comforts of home. Everyone will have their own spaces to relax, and meeting up is simple when you’re ready to come together.

Better Retirement Starts at Cutter Creek

If you’re ready to retire to new surroundings, don’t miss your chance to find your home at Cutter Creek. We’re one of North Carolina’s premier golf communities, and we’re proud to call the Tar Heel state home. 

Schedule a tour and get ready to explore the best of easy living.

Frequently Asked Questions

Is North Carolina a good state to retire in?

North Carolina frequently ranks among the top states to retire in thanks to its affordable cost of living, lower tax burden, four-season climate, recreational opportunities, and easy access to all the conveniences of everyday living. The state is also home to multiple planned communities that offer the curated living amenities that retirees often prioritize when looking to relocate.

Does North Carolina tax Social Security or retirement income?

North Carolina does not tax Social Security income at the state level. Other retirement benefits, including military retirement, certain pensions, and Railroad Retirement benefits, may also be exempt from state taxes. Everyone’s tax requirements differ, so speak to a qualified tax professional about your specific retirement income.

Why are so many retirees moving to North Carolina instead of Florida?

While Florida is a popular retirement destination, many people cite the state’s increasing cost of living, expensive real estate market, and unfavorable homeowners’ insurance environment as reasons they choose to retire elsewhere. North Carolina’s moderate but diverse climate, competitive real estate market, and gorgeous natural scenery make it an appealing alternative where retirees can enjoy new experiences and easier living affordably.