For decades, Florida has reigned supreme as the retiree’s paradise, thanks to its sunny climate and abundance of golf courses. Yet the state’s cost of living—often topping $60,000 a year—and steep real estate prices are prompting some seniors to look elsewhere. I remember an aunt who dreamed of a beachfront condo in Sarasota, only to be steered toward less expensive options after seeing her property tax bill.
Cary, NC, emerges as the surprise leader
In its 2024 ranking, GoBankingRates identified Cary, North Carolina, as the best compromise between mild weather and affordability. The town boasts an impressive livability score of 90 out of 100, reflecting low crime, top-notch healthcare, and a vibrant community where 12% of residents are over 65—perfect for forging new friendships. GoBankingRates estimates that retirees spend about $3,615 per month here, a figure that still undercuts many popular Florida locales.
Weather that suits all seasons
Cary experiences true seasonal variety, from cool winters hovering around 32°F to summers peaking near 89°F. While humidity can build from late May through early October, it never becomes oppressive—much like my own hometown in Virginia, where the summer heat invites evening strolls rather than heatwaves. According to the National Weather Service, this moderate range keeps energy bills manageable year-round.
Exceptional amenities and measured costs
AreaVibes gives Cary A+ ratings for amenities, healthcare, housing, schools, and employment opportunities, though it docks the town with a D for overall cost of living. Still, residents I spoke with say the higher housing prices are offset by the quality of life: well-maintained parks, an active arts scene, and friendly neighborhood watch groups all contribute to a genuine sense of security.
Other affordable sunbelt contenders
Cary isn’t the only non-Florida gem on the list. Metairie, Louisiana, earned a livability score of 84, while Perry Hall, Maryland, appeals with cooler summers and leafy streets. Laughlin, Nevada, boasts the lowest monthly expenses of the dozen cities, and Oro Valley, Arizona, claims a retiree population exceeding one-third of its residents. Each locale proves that with a little research, today’s retirees can find a retirement haven tailored to both their budget and lifestyle.
