Georgia has long attracted retirees with its blend of southern hospitality, diverse landscapes, and relatively low cost of living. Whether it's scenic mountains, coastal communities, or charming small towns, the state offers retirement lifestyles to suit different priorities.

From healthcare access to housing affordability, many Americans are taking a closer look at where to retire in Georgia. Read on to see which cities stand out and why.

Is Georgia a good place to retire?

Georgia can be a strong contender for retirement thanks to its tax breaks for seniors, variety of climates, and mix of urban and rural living.¹ While the cost of living and healthcare vary by location, many parts of Georgia fall below the national average. However, the cost of living in Georgia is 4% higher than the national average.²

The state also boasts a vibrant cultural scene and outdoor recreation, particularly in cities like Savannah and Athens, where retirees can enjoy riverboat rides and University of Georgia football games.^3,4 For those looking to maintain an active lifestyle and social connections, Georgia may offer plenty of appealing options.

Does Georgia tax Social Security?

Georgia does not tax Social Security benefits.⁵ This can be a meaningful financial advantage for retirees relying on that income. The state also excludes other types of retirement income up to a certain threshold, which further supports retirement budgeting.⁶

Georgia tax breaks for seniors

In addition to the Social Security exemption, Georgia retirement income exclusion rules allow those between ages 62 – 64, or those who are permanently disabled, to exclude up to $35,000 of retirement income per year.⁷ From age 65 onward, this exclusion increases to $65,000 a year.

Georgia Homestead Exemption

Georgia offers a standard homestead exemption that reduces the assessed value of a primary residence for property tax purposes.⁸ Seniors age 62 and over may qualify for an additional exemption depending on income, location and local policy.⁹

Best places to retire in Georgia

These are 10 of the best places for retirees in Georgia, based on population, housing, cost of living and healthcare, and amenities.^10,11,12

Athens

• Population: 128,691
• Share of population 65+: 12%
• Median home value: $336,348
• Cost of living vs. national average: 1% lower
• Cost of living vs. state average: 4% lower
• Cost of healthcare vs. national average: 13 5% lower
• Amenities score: A+

Athens is a college town with a lively arts and music scene. It's home to the University of Georgia and offers walkable neighborhoods, cultural events, and historic charm. For retirees, Athens combines affordability and access to healthcare with a youthful energy that keeps things interesting. It ranks high on many lists, and is one of the best places to live in Georgia for retirees.

Savannah

• Population: 148,808
• Share of population 65+: 14%
• Median home value: $335,850
• Cost of living vs. national average: 6% lower
• Cost of living vs. state average:¹⁴ 9% lower
• Cost of healthcare vs. national average: 13.7% higher
• Amenities score: A+

Savannah offers southern charm, cobblestone streets, and a vibrant riverfront. Its rich history, cultural venues, and proximity to the coast make it a standout choice.

This city may appeal to retirees who value walkability, mild winters, and an active art scene. It remains one of the best places to retire in Georgia.

Alpharetta

• Population: 67,275
• Share of population 65+: 12.1%
• Median home value: $738,978
• Cost of living vs. national average: 5% lower
• Cost of living vs. state average: 15% higher
• Cost of healthcare vs. national average:¹⁵ Equal to national average
• Amenities score: C+

Alpharetta blends upscale living with suburban peace. With high-end shops, parks and proximity to Atlanta, it offers easy access to both nature and amenities.

Although housing is more expensive, Alpharetta's appeal lies in its safety, healthcare, infrastructure, and strong community vibe.^16,17,18 It's often included among the best places to live in Georgia for retirees.

Valdosta

• Population: 55,667
• Share of population 65+: 13.5%
• Median home value: $203,665
• Cost of living vs. national average: 8% lower
• Cost of living vs. state average: 11% lower
• Cost of healthcare vs. national average: 10% lower
• Amenities score: F

Valdosta is a small city with major Southern character. It’s known for its historic downtown, old-growth oak trees, and proximity to the Florida border.¹⁹ Valdosta has a walkable downtown with a mix of art galleries, cafes, and restored theaters. The town is also home to Valdosta State University, giving it a blend of youthful energy and historic roots.²⁰

For retirees, Valdosta’s pace is calm without being sleepy. The city has a tapestry of locally run businesses, green space, and regional hospitals.^21,22,23 Those who want to settle somewhere warm, grounded, and full of character may want to consider what Valdosta has to offer.

Peachtree City

• Population: 40,758
• Share of population 65+: 19.8%
• Median home value: $563,320
• Cost of living vs. national average: 7% lower
• Cost of living vs. state average: 4% lower
• Cost of healthcare vs. national average: Equal to national average
• Amenities score: F

Known for its network of golf cart paths and green spaces, Peachtree City provides a unique suburban experience. With 90 miles of multi-use paths, residents can traverse the city via golf carts, bicycles, or on foot.²⁴  The city’s infrastructure replicates a relaxes, almost resort-like feel while also bolstering its accessibility.

Peachtree City offers more than just accessible transportation, however. The downtown has a mix of local boutiques, restaurants, and other conveniences.²⁵ The city hosts events and recreational programs that support civic engagement.²⁶ With strong healthcare access and a high quality of life, it's a compelling option for those exploring where to retire in Georgia.

Augusta

• Population: 201,737
• Share of population 65+: 14.8%
• Median home value: $173,724
• Cost of living vs. national average: 16% lower
• Cost of living vs. state average: 19% lower
• Cost of healthcare vs. national average: 19% lower
• Amenities score: F

Famous for hosting the Masters golf tournament, Augusta also boasts a lower cost of living than the national average and affordable healthcare services.²⁷ Beyond the links, Augusta offers historic charm with modern amenities. The Augusta Riverwalk, Augusta Museum of History, and Morris Museum of Art are all cultural staples within “The Garden City.”^28,29,30,31

Augusta serves as a regional hub for medicine and biotechnology, fueled in part by Augusta University.³² The city has also been designated as one of AARP’s Age-Friendly Communities, given its commitment to senior-friendly policies and programs.³³

Saint Simons Island

• Population:³⁴ 16,026
• Share of population 65+: 38%
• Median home value: $693,614
• Cost of living vs. national average:³⁵ 10% higher
• Cost of living vs state average:³⁶ 20% higher
• Cost of healthcare vs. national average: 21.8% lower
• Amenities score: F

Saint Simons Island offers luxury coastal living with beautiful beaches and a strong retiree community. With a high number of retirees comprising the island’s population, it’s home to a wide array of events — including senior-focused activities and clubs.³⁷ It's also popular for golf, fishing, and outdoor living.

The island is also home to a 300-bed hospital facility, which is another appealing factor for health-conscious retirees looking to enjoy island life without giving up amenities.³⁸

Roswell

• Population: 92,227
• Share of population 65+: 15.1%
• Median home value: $665,366
• Cost of living vs. national average:³⁹ 2% lower
• Cost of living vs state average:⁴⁰ 7% higher
• Cost of healthcare versus national average:⁴¹ 9.9% lower
• Amenities score: A+

Roswell is a vibrant northern suburb of Atlanta with historic sites and extensive green space. The town boasts more than 900 acres of recreational parks and facilities, and its riverwalk restaurants and events calendar make it an engaging place to settle.

Economically, Roswell is thriving, with a median household income of $119,657 — higher than the national median.⁴² Home values are on the higher side in Roswell, but the city also has robust access to healthcare, entertainment, and community.

Albany

• Population: 66,705
• Share of population 65+: 16.1%
• Median home value: $126,796
• Cost of living vs. national average: 23% lower
• Cost of living vs. state average: 26% lower
• Cost of healthcare vs. national average: 9% lower
• Amenities score: F

Albany is a cultural anchor in Georgia’s southwest region, offering a strong sense of community and deep historical roots. Set along the Flint River, Albany offers access to recreation, a flourishing arts scene, and institutions like Albany State University and the Albany Museum of Art. ⁴³

The town offers affordable living for retirees versus both the U.S. and state averages, as well as southern charm. Albany’s annual Good Life City Blues Festival is a cultural staple, while its walkable neighborhoods and healthcare facilities make it a well-rounded place to spend one’s golden years.⁴⁴
 

Marietta

• Population: 63,122
• Share of population 65+: 14.8%
• Median home value: $483,189
• Cost of living vs. national average: 7% lower
• Cost of living vs. state average: 10% lower
• Cost of healthcare vs. national average: 6% lower
• Amenities score: A+

Marietta offers a blend of historical charm and modern amenities, which could make it an appealing retirement destination. The city is home to landmarks like Marietta Square, the “Gone with the Wind” Museum, and town-favorite Big Chicken landmark. Marietta’s rich history shines through its well-preserved architecture and cultural events that celebrate its heritage.^45,46,47

The city is also just 20 miles from Atlanta, which could offer retirees city benefits without needing to live in a metropolis. With lower-than-average costs and heaps of charm, Marietta may be worth considering for those looking to move to the Peach State.

Why do people retire in Georgia?

People may retire in Georgia because several cities combine affordability, varied landscapes, and a favorable tax structure for retirees.

With the Georgia retirement income exclusion and the Georgia homestead exemption in mind, retirees may find the financial incentives compelling. Add in the mild winters and access to outdoor recreation, and it's easy to understand why so many choose to call Georgia home in retirement.