Best cities to retire in Tennessee

Retirement is the time to relax, enjoy your hobbies (or find some new ones), and relax after a lifetime of hard work. However, there is one important decision left to make- where to retire. Tennessee is an amazing destination for the right retiree, with charming towns, friendly communities, and rich cultural and music scenes to enjoy.

Some of the cities in Tennessee that stand out as popular retirement destinations include Nashville, Knoxville, Chattanooga, Maryville, Johnson City, Franklin, and Germantown. These cities offer good access to the outdoors and exude a charming, small-town appeal that's hard to beat. In addition to these attractive locales, the state's tax-friendly policies exempt Social Security and other retirement income from state income taxes, reducing your tax burden and helping you make the most of your cash. Middle Tennessee, in particular, is known for great healthcare, and Tennessee as a whole is famous for its welcoming communities, where Southern hospitality is a way of life.

Why Retire to Tennessee?

Tennessee has a lower cost of living compared to many other U.S. retirement destinations. This means more affordable housing, solid access to healthcare, and reduced expenses, ensuring that your retirement savings stretch further.

Tennessee also offers a wealth of exquisite landscapes. In fact, Tennessee has a little bit of something for everyone! There’s the spectacular natural beauty of the Great Smoky Mountains, and plenty of vibrancy and ways to stay busy in fully urban cities like Nashville and Knoxville.

The state's friendly, welcoming communities also make retirees feel right at home. The population isn’t as diverse as in some U.S. states, but Southern hospitality is a way of life in Tennessee! You'll quickly find yourself surrounded by warm, open-hearted people eager to make new friends, and you’ll soon feel at home.

Tennessee is also tax-friendly for retirees. Social Security and other retirement income are exempt from taxes. There is no state income tax on any other income source, either. This means you can live a better retirement easily, and stretch your income further.

The state is also known for great healthcare facilities (especially in Middle Tennessee around Nashville). A wealth of recreational and outdoor activities will allow you to stay fit, active, and engaged with the community. If you’re looking for a relaxed, enjoyable, and budget-friendly retirement, Tennessee should definitely be on your radar.

Best Cities for Retirees in Tennessee

While there are many great places to retire in Tennessee, here are some of the favorites.

Knoxville

Knoxville offers a great balance between city living and the beauty of the Smoky Mountains. The city has plenty to do and see, great restaurants, and easy access to outdoor activities. The low cost of living is also a huge plus. The University of Tennessee is on hand for further learning and volunteering opportunities.

Nashville

Often called the "Music City," Nashville is a lively and thriving destination. There’s plenty of history to explore, too. Although best known for its country music scene, Nashville has much more to offer you. From world-class healthcare facilities to a thriving arts scene and a delicious culinary landscape, we’d say this city has a little of everything. The affordable housing options and numerous senior living communities make it a great choice for retirees.

Chattanooga

Nestled in the southern corner of the state, Chattanooga is known for its stunning landscapes. Surrounded by mountains and following the Tennessee River, Chattanooga is perfect for a wide range of outdoor activities from hiking and biking to boating, so active retirees take note. Plus, its lower-than-average cost of living will ensure your retirement savings work for you.

Franklin

Just south of Nashville, Franklin offers a quaint village-like atmosphere and plenty of charm for retirees who want small-town living. The historic downtown area is a treasure trove of unique boutiques and restaurants. With a strong sense of community and a peaceful atmosphere, Franklin is the ideal spot to relax and enjoy your golden years.

Johnson City

Looking for a laid-back retirement? Johnson City is an excellent choice. This northeastern city is known to be welcoming, and the beautiful landscapes are a plus. You can explore the nearby Appalachian Trail, visit the Gray Fossil Site, and enjoy the local arts and music scenes. Johnson City's cost of living is below the national average, allowing you to comfortably enjoy your retirement without financial stress.

Germantown

Germantown, located just outside Memphis, is the place for retirees who want the benefits of a thriving city like Memphis right on hand while having a calmer place to call home. Packed with historic charm, known for its gorgeous tree-lined streets, and with a strong sense of community, Germantown offers a peaceful and safe environment for retirees.

Maryville

If you're looking for a peaceful retirement close to the Great Smoky Mountains National Park, Maryville should be on your list. This small town is a nature lover's paradise, with plenty of parks, hiking trails, and outdoor activities. The community is welcoming and the cost of living is modest, making it ideal for retirees looking to get closer to nature without budget pressures.

Cookeville

Cookeville is in the Upper Cumberland region. It’s known for affordable living and a friendly atmosphere. It's another great destination for outdoor enthusiasts, with numerous lakes, parks, and hiking trails right on hand.

No matter which city you choose, Tennessee's warm hospitality is sure to be the perfect backdrop for your retirement years. In Tennessee, you’re sure to find a place to call home and embark on the next phase of your life. Whether it's the vibrant scene of Nashville, the peaceful charm of Germantown, or the natural beauty of Maryville, your ideal retirement destination awaits in the Volunteer State.