12 Best Places To Retire In Tennessee
Retirement is a time to relax, explore passions, and enjoy the fruits of years of hard work. Choosing the right location can make all the difference in how fulfilling and comfortable this next chapter becomes.
With no state income tax, a relatively low cost of living, four mild seasons, and a rich blend of natural beauty and cultural vibrancy, Tennessee offers a variety of retirement destinations to suit every lifestyle. Whether you prefer the serenity of lakeside living, the buzz of city life, or the charm of a small town, the Volunteer State has a place that feels just right.
In this article, we explore why Tennessee continues to draw retirees from across the country—and for good reason.
No. 1
Tellico Village
Built specifically with retirees in mind, Tellico Village is nestled along the scenic shores of Tellico Lake in Loudon County. This master-planned community is home to a majority of residents aged 65 and older. With its pristine golf courses, quiet streets, and easy access to the water, it’s ideal for staying active and social.
While home prices here tend to be on the higher side, the sense of safety, strong community ties, and beautiful surroundings make it a worthwhile investment. Be sure to explore homes for sale in Rarity Bay, a charming neighborhood within Tellico Village that offers its own unique appeal.
No. 2
Germantown
Just outside of Memphis, Germantown offers a polished suburban lifestyle without the pretentiousness. Known for its well-maintained parks, walkable streets, upscale shopping, and proximity to top-tier healthcare facilities, Germantown is one of Tennessee’s safest and most desirable places to retire.
Its slower pace and community-focused atmosphere make it a comfortable and convenient choice for those seeking a refined yet relaxed retirement experience.
No. 3
Chattanooga
Set along the Tennessee River, Chattanooga combines natural beauty with urban amenities. Retirees are drawn to its mountain views, lively downtown cafes, and scenic riverside trails. The city also boasts accessible healthcare and a manageable cost of living.
While some areas face higher crime rates, many neighborhoods are peaceful and residential, offering a balanced mix of activity and tranquility. Chattanooga is ideal for retirees who want the energy of a city with the serenity of nature.
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No. 4
Memphis
For retirees who crave culture, history, and soul food, Memphis delivers. The city is rich in museums, music venues, and culinary delights. Housing is notably affordable, and Memphis is home to several major hospitals and healthcare centers.
Though crime rates are higher in certain districts, careful planning and neighborhood selection can lead to a vibrant, comfortable retirement. Memphis is perfect for those who want to stay engaged and inspired.
No. 5
Kingston Springs
Located about 20 miles west of Nashville, Kingston Springs offers a rural ambiance with quick access to urban amenities. This small town is known for its low crime rates, peaceful surroundings, and a handful of local shops and restaurants that provide convenience without the chaos.
It’s an excellent choice for retirees who want the quiet of the countryside with the option to enjoy city life when desired.
No. 6
Knoxville
Home to the University of Tennessee, Knoxville blends youthful energy with affordability and Southern charm. Retirees can enjoy live performances, seasonal festivals, and outdoor recreation, especially with the Great Smoky Mountains nearby.
Healthcare is robust, though crime rates vary by neighborhood. Knoxville is ideal for those who want a dynamic yet budget-friendly retirement with plenty of opportunities for engagement.
No. 7
Crossville
Known as the "Golf Capital of Tennessee," Crossville is a haven for retirees who love the outdoors. With its rolling hills, numerous golf courses, and access to lakes and trails, it’s a dream for those seeking an active lifestyle.
The cost of living is low, and the community offers spacious homes in quiet neighborhoods. Crossville is perfect for retirees who want space, serenity, and scenic beauty.
No. 8
Oak Ridge
Just a short drive from Knoxville, Oak Ridge offers a unique blend of small-town living and scientific heritage. Known for its role in the Manhattan Project, the town now thrives as a clean, affordable, and well-maintained community.
With close proximity to medical care and a slower pace of life, Oak Ridge is a great option for retirees who appreciate history, nature, and peace of mind.
No. 9
Bristol
Situated near the Virginia border, Bristol is a charming town with a compact downtown, mountain views, and a relaxed lifestyle. Retirees enjoy the low crime rate, strong sense of community, and the slower rhythm of life that defines this area.
It’s a great fit for those who want to retire somewhere calm, scenic, and welcoming.
No. 10
Paris
Located in northwest Tennessee, Paris is a quiet town that offers a familiar, small-town feel. Its charming downtown still serves as a community hub, and the cost of living is among the lowest in the state.
While it may lack the entertainment options of larger cities, Paris offers a steady, comfortable lifestyle that many retirees find deeply satisfying.
No. 11
Sparta
Sparta lies near the center of Tennessee and provides access to natural treasures like Burgess Falls. Home prices are low, and the town offers a decent mix of services and amenities.
It’s a peaceful option for retirees who don’t mind a short drive to reach more extensive shopping or healthcare facilities. Nature lovers will appreciate the area’s beauty and tranquility.
No. 12
McMinnville
Tucked among forested hills, McMinnville is a hidden gem that feels like home the moment you arrive. It’s slightly off the beaten path, but that’s part of its charm.
The cost of living is low, and the town offers a strong sense of community. For retirees seeking a slower pace and a place where neighbors know each other by name, McMinnville is an ideal choice.
Takeaways
Tennessee offers a rich tapestry of retirement options, from vibrant cities to peaceful lakeside communities and everything in between. With no state income tax, moderate weather, and a wide range of affordable housing, it’s no wonder more retirees are choosing to call the Volunteer State home.
In this article, we’ve highlighted some of the best places to retire in Tennessee—each with its own unique charm, amenities, and lifestyle benefits. Whether you're drawn to the cultural heartbeat of Memphis, the scenic serenity of Tellico Village, or the small-town warmth of McMinnville, Tennessee has a community that can turn your retirement dreams into reality.
Retirement isn’t just about slowing down—it’s about finding the right place to live fully. And in Tennessee, that place might be closer than you think.
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