Retiring in Tennessee (2026)
Tennessee ranks #2 of 51 nationally for retirement friendliness (92/100 vs national avg 73/100). Housing costs are #25 of 51 cheapest, and cost of living overall is slightly below the US average.
Reasons to Retire Here
- ✓No state income tax
- ✓Property tax freeze age 65+
- ✓Mild climate
- ✓Growing retirement communities
Trade-Offs to Know
- •Higher sales tax
- •Some crime concerns cities
- •Rural healthcare gaps
Climate for Older Adults
Tennessee's climate is mild and humid, with distinct four-season weather. Winters are cool but generally manageable; summers are humid.
Total Financial Picture
The key financial factors for a Tennessee retirement:
- • Housing: Median home value $315,000. That's about $43k cheaper than the national median.
- • Cost of living index: 90 vs 100 US baseline — everyday goods like groceries, gas, and services run slightly below the US average.
- • Tax friendliness: 92/100 — Social Security is exempt; pensions are exempt. See the full Tennessee tax guide.
- • Healthcare access: 75/100 — good in metro areas, thinner in rural regions.
- • Safety: 55/100 — average safety statewide with meaningful city-to-city variation.
Tennessee sits in the top tier for retirement — a strong overall pick, especially if the climate and lifestyle match what you want.
Safety & Crime
Average safety statewide with significant city-to-city variation. Research specific towns before choosing.
Common Questions — Retiring in Tennessee
Is Tennessee a tax-friendly state for retirees?
Tennessee scores 92/100 on our tax friendliness scale. It doesn't tax Social Security OR retirement income — one of the strongest positions in the country. See the full state tax breakdown.
What's the median home price in Tennessee?
About $315,000 statewide, though costs vary significantly by city. Popular retirement communities and coastal areas tend to run above the state median; rural areas run below.
Is healthcare access good in Tennessee?
Healthcare access scores 75/100. Good in urban and suburban areas; rural regions have fewer specialists. Consider proximity to a major medical center if you have chronic conditions.
Are there active senior communities in Tennessee?
Yes — Tennessee has well-established retirement communities and 55+ neighborhoods. This is a common destination for out-of-state retirees.
Do I need to worry about hurricanes / wildfires / weather in Tennessee?
Relatively benign weather. Occasional tropical storm impact for coastal areas and severe thunderstorms inland.
Similar South States to Consider
Other South states ranked by retirement friendliness:
Free Tennessee Senior Resources
Also for Tennessee Retirees
Data reflects 2026 estimates from Census, MERIC, and other public sources. See our methodology for scoring details.