Georgia combines the best of retirement- sunny days, lower taxes, and entertainment options - throughout the state. Whether you’re looking to retire along the coast or want to live in a growing city, Georgia has a city for every retiree. Here are seven reasons to consider retiring in Georgia.
1. Georgia Cuts Taxes, Helping Retirees Keep More
Georgia has no Social Security tax and no inheritance tax. The flat tax rate in Georgia sits at 4.99% in 2026 and is expected to decrease to 3.99% in the coming years, meaning retirees who move to Georgia may benefit from lower state income taxes over time.
In addition, Georgia allows residents aged 65 and older to exclude up to $65,000 per person of eligible retirement income from state taxes. A married couple may exclude up to $130,000. Living in Georgia while retired is one way to stretch your retirement income further.
2. How Far Does Your Retirement Budget Go?
As of July 2026, the median list price for a home in Atlanta, Georgia is $425,000, with an effective property tax rate of at 0.74%, which is below the national average.
In Atlanta, the cost of living is 5.8 percent lower than the national average. Housing costs are 7.7 percent lower, goods and services are 5.9 percent lower, and healthcare costs are approximately $146 less per month.
The average rent in Georgia as of July 2026 is $1,441 per month, making it lower than the national average of $1,663. Rent in Georgia has decreased by 0.2 percent over the past year, and the state ranks as the 29th least expensive in the country, making it a good choice for retirees who are looking for an affordable place to retire.
3. City, Coast, or Countryside? Georgia Has a Place for Everyone
Georgia’s landscape spans mountains, beaches, and high-rise skylines, making the state appealing for many types of renters.
Retirees who are looking for waterfront views can explore cities like Savannah, St. Simons, and Jekyll Island. Each offer access to some of Georgia’s most beautiful beaches.
If you’re looking for a quaint mountainside home, cities such as Blue Ridge, Helen, and Dahlonega offer winding roads and beautiful mountain views.
If you prefer city living, Atlanta offers big-city amenities, while communities like Alpharetta, Buckhead, and Chamblee provide a balance of Southern charm with modern amenities. No matter what your dream retirement looks like, Georgia has an option for every retiree.
4. What Georgia Weather Really Feels Like
Georgia’s climate is just as diverse as its communities across the state. In the winter, temperatures can drop into the 30s and 40s, while summer temperatures can reach 100 degrees, with average highs reaching the mid-90s.
While temperatures are comparable to many parts of the country, Georgia’s humidity levels are notorious. On average, humidity in Atlanta ranges from 68 percent in the morning to 82 percent in the afternoon, making temperatures feel much warmer.
From late February through May, pollen counts in Georgia are elevated. In fact, daily tree pollen counts can reach 1,500 grains per cubic meter or more, making this time of year challenging for people with seasonal allergies. If you’re thinking about moving to Georgia for your retirement, it’s important to consider the heat, humidity, and allergy season.
5. Healthcare Access in the Peach State
If you live in Atlanta, you will save $146 per month on healthcare costs. In addition, strong healthcare systems like Emory Healthcare and Piedmont Healthcare provide comprehensive care throughout much of the state. While healthcare access is abundant in the metro, some rural communities have fewer large healthcare networks than those available in metro Atlanta. If you’re planning to retire outside the Atlanta area, research the healthcare providers and services available in your preferred community.
6. Georgia Wears Its History Well
Georgia has one of the richest histories in the country. As one of the original 13 colonies, Georgia offers centuries of history at museums and historic sites, like Atlanta History Center, the National Center for Civil and Human Rights, and the Jimmy Carter Presidential Library and Museum.
Civil War-era forts like Fort McAllister, Fort Morris, and Fort King George can be found near the Savannah area. If you enjoy learning about American history, Georgia offers plenty of opportunities to explore it.
7. Southern Hospitality Is More Than a Slogan
Southern hospitality is often associated with welcoming communities throughout the south. Not only are Georgia residents known for their hospitality, but many newcomers also appreciate the welcoming communities found throughout the Peach State. If you’re looking for a state with a friendly community, Georgia is worth considering.
Cons of Retiring in Georgia
While there are many benefits to planting roots in Georgia, there are a few things to consider before you make the move.
The weather is probably the biggest consideration. High temperatures, humidity, and seasonal allergies are real concerns and can make summers uncomfortable. If you prefer lower temperatures and a cooler climate, Georgia may not be the best fit.
Atlanta is known for having some of the worst traffic in the country. A recent national survey by the American Transportation Research Institute found that four metro Atlanta highways are among the most congested stretches in the country. If you prefer lighter traffic and shorter driving times, this is another factor to consider.
Find Senior Living Communities in Georgia on Apartments.com
If Georgia has caught your eye as your ideal retirement destination, start your search on Apartments.com. With thousands of listings and advanced search filters, Apartments.com makes it easy to find the perfect senior living community in Georgia.
Our partner site, After55.com, specializes in senior living communities throughout the country. Whether you’re looking for an active adult community or a quieter community in a South Georgia, Apartments.com and After55.com can help you find your next home.
This article was originally published on April 7, 2023 and has been updated.
FAQs
Is Georgia a good state to retire in?
Georgia scores well on taxes and cost of living, but healthcare access in rural areas and hot summers can be a downside. Georgia is a strong fit for retirees prioritizing affordability and tax savings, though it may be less appealing for those prioritizing statewide healthcare access or mild summers.
Is Georgia tax-friendly for retirees?
Yes. Social Security is exempt from state tax at any age, and retirees ages 65 and older may exclude up to $65,000 of eligible retirement income. Georgia also has no estate or inheritance tax, and its flat income tax rate has dropped to 4.99% in 2026 and is expected to drop to 3.99% in the coming years.
What is the best place to retire in Georgia?
The best place to retire in Georgia depends on what you're looking for. Savannah offers walkable historic charm, while St. Simons and Jekyll Island offer coastal living. Towns like Athens offer a college-town atmosphere with cultural access, and Atlanta's suburbs offer the strongest healthcare and amenity access. The best place to retire in Georgia comes down to priorities like healthcare proximity, budget, and pace of life.
