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Relocation Guide to North Carolina for Retirees


Congratulations on your decision to retire in North Carolina! Known for its beautiful landscapes, mild climate, and diverse communities, North Carolina offers an excellent quality of life for retirees. This relocation guide will help you begin to navigate the process of moving to North Carolina, providing valuable information on housing, healthcare, lifestyle, and more.

1. Choosing Your Location

A. Coastal or Inland?

  • Coastal Areas: Consider a variety of busy or quiet coastal towns like Surf City, Wilmington, Emerald Isle, Wrightsville Beach or many others if you love the beach, boating, and seafood.
  • Inland Areas: If you prefer a milder climate and access to the mountains, places like Raleigh, Durham, Chapel Hill and the greater Triangle area may be a better fit for you.

B. Research Communities

  • Explore various towns and cities to find the one that suits your lifestyle, budget, and interests.
  • Visit prospective areas to get a feel for the community, and consider factors like cost of living, amenities, and proximity to healthcare facilities.

2. Housing Options

A. Retirement Communities

  • North Carolina has numerous retirement communities catering to various lifestyles, from active adult communities to continuing care retirement communities (CCRCs).
  • Consider factors such as amenities, healthcare access, and affordability when choosing a retirement community.

B. Traditional Housing

3. Healthcare

A. World-Class Medical Facilities

  • North Carolina is home to renowned healthcare institutions such as Duke University Hospital, UNC Health, and many others.
  • Ensure you have access to top-notch medical care by selecting a location near these facilities.

B. Health Insurance

  • Research and enroll in Medicare plans suitable for your healthcare needs.
  • Consider supplemental insurance to cover any gaps in Medicare coverage.

4. Cost of Living

A. Affordable Living

  • North Carolina generally offers a lower cost of living compared to many other states, making it an attractive option for retirees.
  • Research the cost of housing, groceries, and other essential expenses in your chosen location.

5. Lifestyle

A. Outdoor Activities

  • North Carolina boasts a variety of outdoor activities, including hiking, golfing, fishing, and water sports.
  • The Blue Ridge Mountains provide excellent opportunities for hiking and enjoying scenic drives.

B. Cultural Attractions

  • Explore cultural attractions like museums, theaters, and art galleries in cities such as Raleigh, Charlotte, and Asheville.
  • Attend festivals and cultural events throughout the year.

6. Transportation

A. Road Network

  • North Carolina has a well-maintained road network, making it easy to travel within the state.
  • Consider your proximity to major highways for convenience.

B. Public Transportation

  • In larger cities, public transportation options include buses and light rail systems.

7. Taxes

A. Retirement Income

  • North Carolina doesn’t tax Social Security income.
  • Some other retirement income may be partially taxed, so consult a tax advisor for details.

8. Legal Considerations

A. Legal Assistance

  • Consult an attorney to help you with estate planning, wills, and other legal matters relevant to retirees.

9. Get Involved

A. Social Activities

  • Join local clubs, senior centers, or hobby groups to stay active and socialize with fellow retirees.
  • Volunteering is also a great way to give back to the community.

10. Finalize Your Move

A. Logistics

  • Plan your move carefully, including hiring professional movers if needed.
  • Update your address, utilities, and other services.


North Carolina offers retirees a fantastic blend of natural beauty, cultural richness, and affordability. By following this relocation guide and conducting thorough research, you can make your retirement in North Carolina a fulfilling and enjoyable experience. Welcome to the Tar Heel State!