These Are the Best Places To Retire in Tennessee
Often referred to as the ‘silver tsunami,’ the entire nation’s Baby Boomer generation will have reached 65 by 2030. As they have at every milestone phase of life, this massive generation is entirely changing how Americans approach retirement and their post-career years.
Leaving behind the daily 9-to-5 grind, today’s retirees are embracing the opportunity to try something new. They can enjoy their favorite outdoor activities, master new hobbies, sample local heritage and embark on fresh adventures. There is truly no better place to stage that second act than the Volunteer State.
Whether drawn to the mystique of the mountainous east, charmed by the rolling hills and quaint communities in the middle or a fan of the culture and flatlands to the west, the state offers small towns and big cities to suit any taste. Mix in a mild climate with four distinct seasons and a renowned reputation for live entertainment, and it’s no wonder people are flocking to find the best places to retire in Tennessee.
Why Retirees Are Relocating to the Volunteer State
Tennessee hits a high note for retirees looking to relocate. With no state income tax – a massive financial perk for anyone relying on a pension or Social Security income – and relatively affordable housing markets, the state features the country’s 9th-lowest cost of living. Coming in at a highly competitive 91.8 on the national cost-of-living index, people who choose to retire in Tennessee can expect to pay about 8.2% less than the national average for everyday goods and services. Those savings stretch even further across the state’s smaller communities and hidden rural gems.
While there are great places to live across all 95 counties, the state’s official Retire Tennessee program identifies a dozen areas that stand out for their affordability, senior-focused healthcare resources and active-lifestyle amenities. Here is the definitive breakdown of the best places to settle down.
In This Article
West Tennessee Retirement Destinations
In the West, it’s all about water, wildlife and unique ecosystems that beckon residents outdoors, with a rich history ready to explore.
Obion County: Union City
Obion County Quick Facts:
- Population: 30,067
- Median Age: 41.8
- Percentage of Population 65+: 21.8%
- Median Household Income: $54,613
- Median Home Value: $150,860
There’s an immense amount to discover in Obion County, including the aptly named 50-acre Discovery Park of America. Home to just over 30,000 residents, Obion County is located in the state’s scenic northwest corner. In addition to the large museum and park, Union City serves as a community anchor, hosting the Obion County Farmers & Artisans Market from April to October. Locals can also catch spectacular live community productions at the historic Capitol Theatre, which is fully operated by the acclaimed Masquerade Theatre troupe.
In nearby Kenton, retirees can spend a relaxed weekend sampling award-winning regional blends at White Squirrel Winery. And don’t miss the natural wonder of Reelfoot Lake. This flooded forest was created by a series of earthquakes and is known for its fishing, boating and wildlife viewing. With three local golf courses, independent shops and restaurants, there’s always plenty to do.
📰 Retiree Resource: Read about it all in the archives of the county’s dedicated retiree newsletter, featuring community information and event listings.
Hardin County: Savannah
Hardin County Quick Facts:
- Population: 27,983
- Median Age: 45.1
- Percentage of Population 65+: 24.6%
- Median Household Income: $49,956
- Median Home Value: $172,448
Located directly along the banks of the Tennessee River, Hardin County is known for outdoor activities and deep historical roots. In the heart of Savannah, a sculpture of the county’s mascot reinforces the area’s beloved reputation as the “Catfish Capital of the World.” Learn more about river culture at the Tennessee River Museum and Civil War history at Shiloh National Military Park.
Plan a day trip or staycation at Pickwick Landing State Park. The area is home to a lodge, restaurant, golf, tennis, hiking, fishing and a full-service marina for boating. Locals love the area’s popular annual events. Top summer traditions include the Savannah Bluegrass Festival and the Sunset Symphony, held on the lawn of the historic Cherry Mansion. Another resident favorite is the famous Walnut Grove Volunteer Fire Department Fish Fry, hosted on the second Saturday of every month.
Throughout the county, there are cute shops, antique stores and delicious dining options, including Southern classics and, of course, catfish.
Middle Tennessee Retirement Destinations
Middle Tennessee focuses on makers and producers – celebrating everything from the area’s rich agricultural roots to the creative artisans and entertainers who enhance the quality of life.
Robertson County: Springfield
Robertson County Quick Facts:
- Population: 80,175
- Median Age: 38.7
- Percentage of Population 65+: 15.4%
- Median Household Income: $83,047
- Median Home Value: $334,100
Minutes from Nashville, and miles from ordinary. Robertson County’s 80,000 residents have plenty of room to stretch out across more than 475 square miles, providing ample space for its 11 distinct communities. Springfield, the largest, features a charming, well-preserved historic downtown district. Prospective residents can stop by the Robertson County Historical Society & Museum to discover “RobCo’s” past or grab detailed maps for walking and driving architecture tours.
Active retirees can tee up at the Raymond Floyd-designed Legacy Golf Course. When it’s hot, pick up a paddle at the Summer Crest Tennis & Pickleball outdoor courts. Explore this picker’s paradise with a treasure hunt through area antique shops. Thrill-seekers can canoe or kayak the Red River. Sample the local grapes at Sumner Crest Winery. Get your motor running at Veterans Motorplex at the Rim’s short-track oval. And, if you dare, learn the legendary 19th-century lore of the Bell Witch in nearby Adams. Events draw the community together for music, arts and family fun. Be sure to check out the annual Kilgore Station Bluegrass Festival, the monthly 1st Fridays downtown market series and the Bell Witch Fall Festival.
📚Want to learn more about living and working in Robertson County, TN? Check out the latest edition of Livability Experience Robertson County, Tennessee.
Warren County: McMinnville
Warren County Quick Facts:
- Population: 43,717
- Median Age: 39.8
- Percentage of Population 65+: 18.2%
- Median Household Income: $55,487
- Median Home Value: $237,858
Craving an active and adventurous lifestyle? Warren County is an obvious choice for retirees looking to stay busy. Located almost exactly halfway between Nashville and Chattanooga, McMinnville’s an easy trek from the larger cities. But why leave home when you have so much to do right in your community?
Shop, museum hop and pop into a cozy café in McMinnville’s charming downtown. Spend an afternoon learning about local history at the Black History Museum of Warren County or tour the Victorian architecture of Falcon Rest Mansion & Gardens. Feeling more adventurous? Thrill-seekers can head deep underground for a cave tour at Cumberland Caverns. Back above ground, take in a live show at the historic Park Theater.
Residents enjoy fun in the sun at one of Middle Tennessee’s favorite playgrounds, Rock Island State Park, at the headwaters of Center Hill Lake. The lake is famous for its cascading waterfalls. If the waterfalls don’t center you, there’s always the mountainside wellness retreat, Isha Institute of Inner-Sciences. Or, spend some time planning an epic home garden stocked directly by any of McMinnville’s famed nurseries – it is the Nursery Capital of the World after all!
Cumberland County: Crossville
Cumberland County Quick Facts:
- Population: 66,970
- Median Age: 53.5
- Percentage of Population 65+: 33.1%
- Median Household Income: $60,375
- Median Home Value: $310,214
Is there anything better than spending your golden years golfing? With nine championship courses, it’s easy to get into the swing of retirement in the “Golf Capital of Tennessee.” Cumberland County is appropriately located atop the Cumberland Plateau, and the area is rich with natural beauty. Cumberland Mountain State Park is ideal for hiking, biking, birding, fishing – and, of course, golf at the Jack Nicklaus-designed Bear Trace Course.
Not a golfer? No worries! There are plenty of other things to do in Crossville! Residents enjoy a rotating calendar of events and productions at the award-winning Cumberland County Playhouse, one of the nation’s best-known rural theatrical venues. Catch a show at downtown’s Historic Palace Theatre, explore life following the Great Depression at Homesteads Historic District or unwind with locally crafted beverages at Chestnut Hill Winery or one of the area’s half dozen local breweries, like the farm-style Creekside Brewing Company. Finding community is a breeze, as the city is home to several sizable adult communities, including Fairfield Glade, which add to Cumberland County’s reputation as a great place to retire in Tennessee.
East Tennessee Retirement Destinations
From big-city bustle to laid-back lake life, East Tennessee offers residents a choice of urban amenities and unspoiled natural beauty.
Hamilton County: Chattanooga
Hamilton County Quick Facts:
- Population: 390,833
- Median Age: 39.3
- Percentage of Population 65+: 19.0%
- Median Household Income: $76,183
- Median Home Value: $357,300
The largest metropolitan area on this list is Chattanooga and the surrounding communities in Hamilton County. The area is popular among people of all ages and interests, making it an ideal place to retire. Affectionately known as the “Scenic City,” the city offers abundant outdoor activities, ranging from mild to wild.
Stretch your legs along the 13-mile Riverwalk, enjoy an art-filled afternoon by picnicking at the Sculpture Fields at Montague Park or literally go jump off a cliff for a paragliding adventure. Head up to Lookout Mountain to experience some iconic attractions, including Ruby Falls, Rock City and the Incline Railway.
Back inside, enjoy the area’s remarkable arts scene. Locals love the Hunter Museum of American Art and the historic, cobblestone streets of the Bluff View Art District. Take a bite out of Chattanooga’s dining scene. The city is a certified foodie town where you can sample everything from classic Southern meat ‘n’ threes to multicourse fine dining. Of course, you’ll want to save room for a locally-made sweet treat – Moon Pies! And, when the grandkids come to visit, there are plenty of things to do. Keep them busy with visits to the Tennessee Aquarium, Chattanooga Zoo and Creative Discovery Museum.
🗺️ Active Seniors: For more ideas on places to live and play, check out Visit Chattanooga’s roundup of info for active seniors.
Roane County: Harriman, Rockwood, Kingston & Oak Ridge
Roane County Quick Facts:
- Population: 57,395
- Median Age: 47.4
- Percentage of Population 65+: 23.9%
- Median Household Income: $66,854
- Median Home Value: $342,400
Surrounded by the 39,000-acre Watts Bar Lake, Roane County offers sweeping mountain views and a laid-back lake lifestyle. More than 700 miles of protected shoreline and 60 miles of wooded trails invite residents to play outside. Rent a boat at a full-service marina, spend the day fishing or simply enjoy the view from any of the 10 waterfront parks.
Roane County is made up of several quaint spots, including Harriman, Rockwood, Kingston and the eastern portion of the ‘Secret City,’ Oak Ridge. Learn more about the area at the Historic Roane County Courthouse and Harriman Heritage Museum, housed in the restored Princess Theatre.
It’s easy for retirees to fill their days with fun. Start your day with a full cup and friendly conversation at independent coffee shops and bakeries, shop local in quaint downtown districts and curb your cravings with offerings from casual bites to upscale bistros. Roane County residents enjoy the area’s tight-knit community vibe, thanks to several festivals throughout the year, including the Smokin’ the Water July 4th Festival and the Harriman Cobblestone Festival. Still not convinced? Relax in Roane provides more info on retiring in this picturesque area.
Anderson County: Oak Ridge, Clinton & Norris
Anderson County Quick Facts:
- Population: 82,066
- Median Age: 41.5
- Percentage of Population 65+: 20.1%
- Median Household Income: $64,984
- Median Home Value: $259,150
Pristine countryside and picturesque mountain ridges create the perfect backdrop in Anderson County, an area important to American history. Sharing Oak Ridge with neighboring Roane County, the “Secret City” tells (almost) all with immersive tours of the Manhattan Project National Historical Park.
In Clinton, the Museum of Appalachia brings history to life across an authentic, 65-acre mountain farm and pioneer village. Historic Downtown Clinton is home to Tennessee’s largest designated antique district, local restaurants and the Green McAdoo Cultural Center, which tells the story of the Clinton 12, who were at the forefront of equal education.
Outdoor enthusiasts will find so much to love and endless opportunities for recreation. There are several places to get your feet wet, including the Clinch River and Norris Lake and Norris Dam State Park. Back on dry land, visit the Appalachian Craft Center to learn a new skill, shop the handmade works of more than 70 local artisans and toast to another perfect day at Clinch River Brewing.
📦 Relocation Packets: Ready to make the move? Official regional relocation packages and neighborhood housing resources are available here.
Campbell County: LaFollette
Campbell County Quick Facts:
- Population: 40,290
- Median Age: 44.2
- Percentage of Population 65+: 20.8%
- Median Household Income: $51,557
- Median Home Value: $235,967
Campbell County offers the perfect balance of getting away from it all while staying close by. Known as the “Marina Capital of Tennessee,” Campbell County is an outdoor paradise. The region features 800 miles of glassy shoreline on Norris Lake, 600 miles of off-road ATV trails and access to four spectacular state parks – yet its natural beauty sits just a short drive from Knoxville.
To spend the perfect weekend at home, rent a pontoon for a day on the lake, learn more about the area’s history at the Campbell County Historical Society Museum or sample award-winning native pours at the scenic Chapman Hill Winery. Prospective residents can shop handmade goods and homegrown produce at the Campbell County Farmers’ Market, and dine waterside at a full-service marina or high above the clouds at the spectacular McCloud Mountain Restaurant & Lodge, complete with stunning, high-altitude views from its famous glass skywalk. Meet with neighbors and friends at any one of the community-led events throughout the year, including the annual Postmark LaFollette Spring Fling festival in April and the celebrated Louie Bluie Music & Arts Festival in September.
Upper East Tennessee Retirement Destinations
With mountain views and metro areas, Upper East Tennessee offers the warmth of close-knit small-town life coupled with the cultural outlets typically found in much larger cities.
Washington County: Johnson City & Jonesborough
Washington County Quick Facts:
- Population: 141,199
- Median Age: 40.5
- Percentage of Population 65+: 19.7%
- Median Household Income: $62,386
- Median Home Value: $358,923
Head up and east for a truly special place. Washington County seamlessly blends past, present and future. Johnson City, home to East Tennessee State University, offers something for all generations – from museums, sports and cultural events to great restaurants and live entertainment. Driven by a civic commitment to public art, there’s beauty all around, including the city’s breathtaking mountain setting.
Residents can enjoy nature in a variety of ways, including hiking the Appalachian Trail, getting in steps at downtown’s Founders Park, hitting the links at Pine Oaks Golf Course or exploring the grounds of Davy Crockett Birthplace State Park. For a deep look into the past, retirees can dig into the world-renowned Gray Fossil Site & Museum and the grandkid-approved Hands On! Discovery Center. An affordable cost of living, ample outdoor activities and easy access to top-notch healthcare providers are just a few reasons Johnson City stands out on any search for the best places to retire in Tennessee.
Nearby Jonesborough is internationally recognized for bringing imaginative yarns to life through the International Storytelling Center and the annual National Storytelling Festival every October. Jonesborough is a great place to live, featuring trendy boutiques and independent cafés in a historic brick setting that befits Tennessee’s oldest town. Right on Main Street, The Chester Inn Museum chronicles the town from its historic frontier beginnings in 1779.
Sullivan County: Bristol & Kingsport
Sullivan County Quick Facts:
- Population: 163,759
- Median Age: 45.1
- Percentage of Population 65+: 22.8%
- Median Household Income: $58,324
- Median Home Value: $268,500
When the grandchildren visit, don’t miss the Kingsport Carousel at the Farmers Market. And there’s something for everyone at the annual Kingsport Fun Fest in July.
Nestled in the foothills of the Appalachian Mountains, Sullivan County is equal parts revving engines, record-making history, rugged outdoor beauty and revitalized downtowns. NASCAR fans certainly know the Bristol Motor Speedway, but Bristol is equally celebrated as the official Birthplace of Country Music. The historic 1927 Bristol Sessions are credited with introducing the genre to the global masses. Today, the area remains a place where music truly matters. Historic Downtown Bristol extends from Tennessee into Virginia and features more than two dozen bistros, bakeries and breweries, as well as independent shops and the massive annual Bristol Rhythm & Roots Reunion festival.
Nearby, Kingsport is known for its active-adult lifestyle, including golfing on multiple municipal courses, fly fishing on Fort Patrick Henry Lake or walking or cycling the expansive Kingsport Greenbelt. Residents can also easily soak in the area’s natural splendor at the 3,500-acre Bays Mountain Park and Planetarium. The Kingsport Renaissance Center is a hub for creative arts and senior activities with art galleries, classes and events. When the grandchildren visit, don’t miss a ride on the hand-carved Kingsport Carousel at the Farmers Market, and celebrate the height of summer with the entire family at the massive annual Kingsport Fun Fest every July.
Carter County: Elizabethton
Carter County Quick Facts:
- Population: 57,361
- Median Age: 45.9
- Percentage of Population 65+: 23.3%
- Median Household Income: $49,435
- Median Home Value: $246,904
Finally, Carter County enjoys a slightly slower, peaceful pace of life without sacrificing all the amenities that make life convenient, including top-notch healthcare and retail. Small-town residents enjoy an exceptional quality of life enhanced by the area’s beautiful mountains and pristine waterways. Elizabethton is the county seat for neighboring mountain communities, including Hampton, Roan Mountain and Watauga.
Because of its scenic location, Carter County is naturally a paradise for outdoor adventure, known for hiking, biking, birding, watersports and fishing. Active retirees can do it all at Roan Mountain State Park, cycle or walk along the 10-mile Tweetsie Trail running directly between Elizabethton and Johnson City and enjoy some of the country’s best trout fishing along the Doe and Watauga rivers.
History buffs will enjoy touring the historic Carter House – Tennessee’s oldest standing frame home – and exploring the reconstructed log fort of Fort Watauga at Sycamore Shoals State Historic Park. As an official Main Street community, Historic Downtown Elizabethton features an eclectic mix of independent shops and services, dining and events that bring neighbors together.
Check out relocation information and resources here.
📬 Where to Next?
Love discovering hidden gems and incredible communities across America? Sign up for our newsletter to get the absolute best of local food, culture, hidden travel itineraries and expert relocation advice sent straight to your inbox.