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To help readers understand how insurance affects their finances, we have licensed insurance professionals on staff who have spent a combined 47 years in the auto, home and life insurance industries. While we adhere to strict editorial integritythis post may is nc or sc better for retirement references to products from our partners.

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Our reporters and editors focus on the points consumers care about most — how to save for retirement, understanding the types of accounts, how to choose investments and more bteter so you can feel confident when planning for your future. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions.

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Therefore, this compensation ix impact how, where and in what order products appear within listing categories. Other factors, such as our is nc or sc better for retirement proprietary website rules and whether a product is offered in your area or at your self-selected credit score range can also is nc or sc better for retirement how and where products appear on this site. While we strive to provide a wide range offers, Bankrate does not id information about every financial or credit product or are there lightning bugs in south carolina. All insurance products are governed by the terms in the applicable insurance policy, bettfr all related decisions such as approval for coverage, premiums, commissions and fees and policy obligations are the sole responsibility of the underwriting insurer.

The information on this site does not modify any insurance policy terms in any way. Retirement often /1489.txt a slower pace of life. No more sweating work deadlines, playing office politics or struggling betrer stay afloat in a city with a soul-crushing commute is nc or sc better for retirement a punitive cost of living. Should you settle down by the beach or in the mountains? Do you prefer golf or cross-country skiing?

Perhaps most importantly, where do your kids, grandkids, friends and health care providers live? Those are deeply personal questions. To find some этом things to see around asheville north carolina благодарен answers to the where-to-retire question, Bankrate crunched a bevy of statistics on costs of living, public health and other metrics.

For this study, Bankrate looked at five broad categories: affordability, wellness, od, weather and crime. We placed rehirement heaviest weighting on affordability. As a getter, many retirementt are looking for ways to stretch their savings. And, of bettwr, not everyone likes the sweltering summers of retiremenr Sun Belt states that populate the top of our rankings.

Alaska, on the other hand, held last place in our ranking. The state was dragged down by back-of-the-pack scores in affordability and weather.

Why should retirees pick Florida? The Sunshine State has long been a haven for retirees. If you like a warm climate, Florida has the second-hottest average is nc or sc better for retirement, right behind Hawaii.

The state topped our ranking of culture and diversity. Meanwhile, for potential retirees seeking a cultural melting pot, Florida boasts solid racial diversity and a tetirement LGBTQ population. Affordability was once a big selling point for Florida retirees, but that advantage ror fading. Florida ranks No. Retiremment a retirement move? Go to a variety of different places that you seem to be attracted to — places that have a lower cost of living and lower property taxes — and test them out for a while.

Access to medical care is another important factor. From a financial perspective, there are a lot of things to consider. How will your income be taxed? Some states offer tax breaks on retirement income. Even though Texas retiremwnt Florida have no income tax, they do have higher homeowners insurance costs because of hurricanes.

Other times, they want to be closer to family. Do you still want to be able to play golf, tennis or pickleball? I showed her around one community, and she fell in love with it.

Are you planning to retire in ? Do fro seven things now. Bankrate looked at several public and private datasets related to the life of a retiree. The study examined five categories weightings in parentheses : affordability 40 percentwellness 20 percentculture 15 percentweather 15 percent and crime 10 percent.

The index measures a variety of factors, including access to health care, access to food, physical health and economic security. Culture scores were calculated using the number of arts, entertainment and recreation establishments per capita and adults 65 and older per capita from the U. Census Bureau. Bstter weather scores, we relied rteirement three decades of average daily temperature data from the National Oceanic and Atmospheric Administration. We also used NOAA data for tornado strikes and hurricane bettre, along with earthquake reports from the U.

Geological Survey. Because the FBI significantly changed the reporting format for data, is nc or sc better for retirement did not rely on those statistics.

How We Make Money. Jeff Ostrowski. Written by. Jeff Ostrowski covers mortgages and the housing is nc or sc better for retirement. Before joining Getirement inhe wrote about real estate and the economy for the Palm Beach Post and the South Florida ….

Edited by Brian Beers. Edited by. Brian Beers. Brian Beers is the managing editor for the Wealth team at Bankrate. He oversees editorial coverage of banking, investing, the economy and all things money.

Share this fetirement. Bankrate Logo Why you can trust Bankrate. Bankrate Logo Editorial Integrity. Key Principles We value your trust. Bankrate Logo Insurance Disclosure. Read more From Jeff. Why Nebraska is the best state to retire.

 
 

South Carolina Vs. North Carolina – Which is the better State of the Carolinas

 
› blog › north-carolina-south-carolina-better-place-to-live. In the end, it’s a tough decision when it comes to choosing one of the Carolinas over the other. North Carolina is geographically larger, and has the bigger.

 

Retirement in North Carolina vs. South Carolina – Acts – Site Navigation

 
Downtown Hendersonville, N.C., has a small-town atmosphere. Dear MarketWatch,. My wife and I are both 57 and looking to retire at We will. however, its retirement income exemption levels are more tax-friendly than North Carolina’s. Neither North nor South Carolina taxes social security. The sales tax in North Carolina is % lower but local taxes could narrow the difference. South Carolina, on the other hand, is tax-friendly towards retirees. Like NC, Social Security isn’t taxed, but retirement accounts and pensions.

 
 

Is nc or sc better for retirement

 
 

In this comprehensive guide, we break down everything you need to know to make an informed decision when looking for the best place to live out of these two great states. Read on to learn more about North and South Carolina, and see for yourself which is the better state.

One of the first things to consider when comparing these two states is the cost of living. While North Carolina has the bigger population, this usually translates to a higher cost of living, since there are more people in that area.

This means more competition and more demand which translates to higher costs. However, health costs are above average, just like SC. But as you can see in the table above, South Carolina has the edge when it comes to a more affordable area to live in. In almost every category, South Carolina has proven to be a much friendlier place for those wanting a fresh start, or for starting families.

As a result, South Carolina wins this round, hands down. One of the key differences we can see between these two states is their population.

Because of their lower costs and the promise of warmer weather, both states attract many retirees from all over the country. Because of this, native Carolinians have shown concern that their states are facing changes due to the sheer number of newcomers.

Both states have great colleges, and their education systems work similarly. However, because North Carolina has a bigger population, they have more students compared to South Carolina. Here is a table that demonstrates the difference in numbers when it comes to their students taken from a study. When it comes to their colleges, both states also have great choices to offer students who want a higher education.

North Carolina is home to some of the best places for education, such as Duke University and the University of North Carolina.

Furthermore, students have plenty of other options such as small private liberal arts colleges, midsize colleges, and large research universities. South Carolina exempts the portion of Social Security benefits included in federal taxable income , so you should expect to pay some taxes. If this is a big concern, talk to a tax professional. South Carolina also relies more on property taxes to fund state and local government than North Carolina does, according to the nonprofit Tax Foundation.

Of course, those taxes will vary by community and property. Read: There is more to picking a place to retire than low taxes — avoid these 5 expensive mistakes. You may want to ask about other costs as well. What will your air conditioning bill look like vs. Now read: This eye-opening experience has me rethinking how Social Security figures into my retirement planning.

Given that crime can vary by neighborhood or across a county, take the time to have a chat with the police department of communities that are on your short list. A bad move is a costly mistake. You can have easy access to Asheville but be away from the crowds by living in nearby Henderson County. About , people live in the county, including 14, in the county seat of Hendersonville, which offers a cute downtown and plenty of chains on the outskirts.

So does that mean you must have hurricane insurance as a homeowner in the Carolinas? The details of hurricane deductibles are spelled out on the declarations page of homeowners policies.

These are boomers who are following their kids and grandkids who have moved to the Carolinas for lucrative jobs, usually in the Charlotte area, according to market research firm Meyers Research there’s even a baby-chaser index. Charlotte, No. In alone, more than 26, millennials age 23 to 38 moved to Charlotte, chasing their careers. Raleigh’s a top city, too. Many of the baby-chasers are monied , Meyers Research found, especially those who sell their long-time homes in the Northeast, tap the more-affordable real estate market in North Carolina, and have money to pocket.

And the Charlotte area is rising to the rush. Suburban Lancaster County is a hotbed for boomers settling into ever-growing numbers of active adult communities , including Tree Tops by Lennar , according to Meyers. The top-selling adult community in the county, Meyers says, offers 19 different floor plans for ranch homes.

If baby-chasing boomers follow, there are more than two dozen retirement communities in the Cary region, including The Courtyards at West Cary and Waltonwood Cary Parkway. Retirees Moving to Be Near the Grandkids. The short list is a long one. The Carolinas are actively recruiting retirees, and local governments are friendly to the developers of the numerous active adult over communities that surround beach and mountain communities.

Census Bureau population estimates from April to July — note this is well before the pandemic — show:. Retirement communities also dot some of the top retirement destinations in South Carolina as well, including popular destination towns Georgetown, Spartanburg, West Columbia, Greenville and Hilton Head Island. And retirees will find plenty of beach to roam along the Grand Strand , a mile arc of beach that stretches across the Carolina coast around Myrtle Beach.

Beaches around Hilton Head are also popular with local retirees, especially in the fall, when tourism drops off. Rock Hill is the area that seems to come up the most in my conversations with people in our Charlotte office, and I see there is a Del Web community there. Good luck — maybe our moving trucks will pass each other on the way to the Carolinas! It is about the best organized community I know and I have been through more than in the southeast. The owners have deep pockets, all the amenities were in from the beginning, the golf course is one of the best on the east coast reasonable annual dues and baby boomers are beating a path to their door.

My real estate professional in Brunswick County tells me they sold 55 properties in BF last month. The only thing it is missing is a beach nearby; it is about a half hour to Wrightsville Beach. Happy to provide more info or put you in touch with my Realtor in Brunswick County by the way, other nice options in the area at prices below BF although it is well priced and loaded with value and above.

I note in some of the posts here an obsession with tax rates. I have worked with some folks to help find them homes in the southern U. The concern for everyone except the millionaires among us should be total cost of living, not just taxes. In the last couple of days, there has been some dialogue here about comparable property taxes in Rock Hill, SC and Charlotte, about 20 minutes or so apart.

Source: BestPlaces. I counsel my customers not to get too deep in the heart of taxes. I will pay cash for a retirement home. Differences in real estate taxes, income tax, insurance, HOA fees and utilities will mean a lot to me in retirement since these expenses have the potential to significantly reduce the money I have available each month. I bet the majority of people are in the same boat and are also looking for lowest cost of living and highest quality of life to get the biggest bang for their bucks.

If the net cost of living in S. Carolina for equivalent housing, that could be important information for some of us. Ted, I am using the same sources as you are to live in retirement. Good point Larry. We began looking at areas by comparing tax rates and quickly changed our planning when I computed the cost of living with elec, gas, water, insurance, etc.

Larry, Does Brunswick Forest have any age restrictions? Do non-golfers pay the same HOA fees? It is really important to look at the total cost of living not just tax rates. We basically looked at taxes but not some other issues before we moved to the Charlerston area. My water bill is about 3 times what it was in Michigan but so far gas and electric have been less even with running the ac nonstop until recently.

I feel like the cost of food is more, had sticker shock in the grocery stores. There is also a personal property tax on cars, boats, etc. Our property taxes will be much less but most areas have higher sales tax to make up the difference. That all being said, would I still have moved here?

Larry regarding Brunswick Forest the community sounds nice but the prices are quite high for the homes or townhouse. Looking at the Myrtle Beach area the prices and inventory are more in line with our budget. Skip, you are correct, Myrtle Beach will offer much more in that price range. Ted, we agree that the Charlotte suburbs do extend to SC. I prefer the Carolinas, but not in the middle of no where and not in the middle of the urban hubbub!

I enjoy participating in music organizations as a vocalist and instrumentalist. I thrive on spectator sports, esp baseball and motor sports. Needing to come East again from the West. Again, any and all of your suggestions and shared experiences will be most appreciated. I can read them here or at inparafl aol. Skip, I too am looking in the same general price range as you.

Have you looked at Fort Mill, S. Baxter Village has some reasonably priced condos. I have relatives that live in the area of Fort Mill so I am somewhat familiar. Best of luck in your search. We spent 5 months looking around NC and SC for a community that met our criteria. BF was one of the few that met our criteria. As Larry said the amenities are some of the best we saw during our search.

The website has a full list of amenities and information about the community. We did find that the prices for homes in BF are above average for the area. It is a large community. However, the community is divided into smaller neighborhoods so it still has a smaller feel within the actual neighborhoods. Most of the people you speak with who live here, love it. People are eager to meet each other and are very friendly. The one thing my husband struggles with is the traffic and red lights.

You need to be patient when driving into and around Wilmington. There is a lot going on in the area as far as road improvements and new road construction. Some things are less taxes, etc. Good luck with your search! For our money and lifestyle SC seems to offer everything we need for a happy retirement.

SueC — my husband and I visited Aiken recently Woodside Plantation It is a fantastic town with lots to offer: restaurants, shops, equestrian activities, community involvement, the arts — we loved it. Anyone have an opinion on St.

James Plantation? Countess, we also looked at Aiken and also thought Woodside Plantation to be a wonderful community. But the distance from the ocean ruled it out for us as well, as we have lived on the coast in New England our entire lives.

Just could not give up the beach walks! We found the town of Beaufort to be just as charming — if not more — than Aiken. Many restaurants, activities, festivals and arts events — a campus of USC is located there. More water in this area of the LowCountry than we could have imagined!

So we are super excited to be planning our retirement home there, and you might want to check it out online if the coast is where you want to be! Countess, I have not been to St. Southport is a nice town but is more of a tourist place. You might want to consider Brunswick Forest in Leland, just over the river from Wilmington. You have a sense of community there and it is just a hop, step and a jump from Wilmington.

Countess, this spring my husband and I toured St James Plantation, along with many of the large communities in the area in N. We crossed St James off our list for a few reasons, even though the houses and landscape is very impressive, I did not get a neighborhood feel.

Also there are different price memberships you must pay for for golfing or pool and fitness they are not included in the hoa fees. The last reason is there really is not much around there as far as stores or restaurants. We are from long Island and did not want to have to drive 30 miles to go to certain stores or restaurants. We bought a house in Brunswick Forest which has many choices as far as housing, all the amenities are included, and we have endless choices of what to do in the area, since Wilmington is just a few miles away.

We do have our own village with brand new food store, pharmacy, restaurants too! Aiken is what I think of a small, southern town to be, and Woodside is well managed and mature; it seemed to skirt the problems of the recession better than many such communities…Barbara, I am thinking I may have helped you find your home at Brunswick Forest.

If so, I am glad things have worked out so well. You had the good sense and taste to buy into the fastest growing golf community on the the east coast the last few years, and whenever I drive by on Highway 17, I am blown away by how much the area outside the community has grown.

In terms of convenience to services and shopping, as well as to Wilmington, an interesting town, Brunswick Forest is hard to beat on the coast except it, too, is a good 20 minutes from a beach.

The distance from the gatehouse at Dataw Island is Not a perfectly scientific stat for sure, just our info to share. The island itself is surrounded by tidal waters and Morgan River frontage.

We found it to be a perfect match — and we spent YEARS visiting other locations, even trying inland locations such as Aiken. Just felt like something was missing without seeing water.

Good luck and have fun searching! General comparisons of one state to another are not especially helpful. There are locations in Tennessee that I am sure, for some people, are better than some locations in South Carolina; and there are some locations in SC that, for those same folks, are way better than in Tenn.

Asking if NC is a better place to retire than GA, or vice versa, is like asking which is better — a filet mignon or a ribeye. There is plenty of data available on the web to answer questions about climate, taxes, overall cost of living, and the like; the questions that will yield the most helpful answers are those that ask, for example, if one community is friendlier than another, or if the traffic in one urban area is better or worse than in another, or if a beach 15 minutes away is good enough to get you to drive there frequently.

SandyZ, for example, does an excellent job of describing why she loves Dataw; asking about specific communities will always yield more helpful information than asking if State A is a better place to live than State B. I prefer ribeye, by the way. Please just tell me if I am looking for a Utopia that does not exist! I am looking for an active retirement community so I will have a social life and activities.

I would like to be near a lake. And I want a rental. I thought western Carolinas or eastern Tennessee would be cheaper than urban and costal areas, but I have only seen info on large expensive estates. I do not golf or ride horses, but want to swim and watch boating. Any help appreciated! Moving South, your Utopia seems within reason, but without a price range, it is hard to determine where Utopia might be found. Question: Does your swimming need to be in a lake, or would a nice community pool work?

Would you take an attractive river instead of a lake, one beside which you could sit and watch the boats go by although you might have to drive to the park to do that?

I am a widow and I am receiving benefits for my current state. Any advice would be appreciated. He provides so much detail we […]. Would love recommendations on reasonably-priced condo living in mountain area near Asheville in which an active single lady would feel welcomed, secure and find plenty to do. Edenton, NC is a waterfront community with tons of young, active retirees.

It is on the beautiful Albemarle Sound which is ideal for sailing, boating, and fabulous views. The charming historic downtown area is walkable and friendly with many beautiful historic homes and great water views. Several newer communities in the area offer waterfront properties, golf and tennis facilities. DE vs. MD vs. The weather in all three of these areas is similar, mild winters and hot steamy summers not as hot as Charleston. We cannot afford to own two places nor would we want to travel back and forth.

We are in a gated community that offers golf and boating and have a myriad of volunteer opportunities to stay busy. This community is low cost enough for us to own our house outright after selling our Northeast home.

We like the community because the people are friendly and easy to meet. The nearest city is Elizabeth City, NC about 20 minutes away where you can find just about everything. Charlie […]. We moved to Asheville, NC before retirement 28 yrs. Being transplanted Wisconsinites the climate is perfect here- the SE outside the mountains is far too hot and humid for us in late spring, summer, and early fall.

In the years we have lived here we have been almost everywhere in NC, SC and definitely prefer Asheville. It has a fantastic medical system, too, which should be very important to retirees. Spring and fall are my favorite seasons — long and gorgeous! Asheville, however, has some of the highest home prices in the Carolinas. Thankfully, we moved here before the boom! My husband and I are about to start building a house in Charleston, SC.

We live in Ohio and have been going to Charleston for years, first with our kids and then without them. After considering many other places in the US, we made this decision because we love everything about the city — the culture, the beauty, the restaurants, the water and, for the most part, the weather.

I know the hot, humid summers will bother me, but I think we will try to travel in August. Our daughter lives in Seattle and August is the best time of year there! We are moving to an area where many people have come or are coming from the northeast or midwest, so hopefully that will help a little! Anyone have any firsthand knowledge — positive or otherwise about the area?

Darci, The Reserve at Lake Keowee is a wonderful choice. I have visited it three times and reviewed its real estate and golf course for my blog site, GolfCommunityReviews. First, the development of the community has been patient and well organized. For example, they contemplated building two full 18 hole golf courses right off the bat, but decided — quite wisely, as it turned out — to invest in only one they have the blueprints for the other safely stored in a drawer.

The Jack Nicklaus golf course is good enough to host a professional tour event every May. The community was founded by a few local professional people — the one I interviewed is an ophthalmologist — and they are passionate about what they created and continue to be personally involved. The real estate is harmonious, which is to say all homes look like they belong there and do not clash with each other at all.

Lake Keowee is one of the cleanest and most beautiful anywhere, and the Great Lawn from the clubhouse down to the lake is a great gathering spot for people in the community. If there is anything negative to say about The Reserve it is its remote location; the closest town is Clemson, home to the university but not an especially full-service town in my humble opinion.

I found it tough to identify more than one or two decent restaurants. On the other hand, the dinner I had in The Reserve clubhouse was expertly prepared, by a German or Swiss chef, as I recall. If you have not engaged a sales person there, I would be happy to recommend the gentleman I work with.

Hope this has been helpful. I have lived in Raleigh, NC for 28 years, and expect to retire here also. The Triangle area is great to live in! We have the arts, sports, college ball, 3 major universities, tons of golf, beautiful parks, world-class health care and affordability.

The beaches are 2. Everything you could want — except real NY bagels. Does anyone out there have insight or opinions about these 2 projects? I would really appreciate feedback. We have not regretted our decision for a minute! We love our community and have met lots of people from all over the country. We enjoy all that Charleston has to offer and are 45 minutes from the beach. I sometimes shake my head at the political culture but try not to stress about it.

Leslie, My husband and i visited The Coves last May and really liked the community. The land is beautiful. The portion we saw was noisy — filled with hotels and restaurants; hopefully not indicative of the down town area. The community is a lot more rustic and unfinished than the ads indicate, but beautiful if you appreciate nature as we do.

We drove around in an open off-the-road vehicle wear your worst sneakers while exploring the property! You could easily walk along the main roads, though, and truly enjoy it! Met with one builder, and spoke with another on the phone once home, to discuss the cost of building a home. It is more than the ad indicates. Having all on the main level would have raised the price substantially. The property tax in Lenoir was also higher than in more western NC 2 hours away. I hope this helps a bit.

If you have any more questions, please feel free. Kathy, Del Webb Charleston? Is that Summerville? If so, is there shopping close now. When we were there the supermarket was just being built out side the community entrance. The recreation center was a nearby YMCA which was not what we were looking for.

Lovely community though. How far is it to a beach with beach parking? Can you use your golf carts to get to any stores? How close is the library, and what is it like? What do you think of the home construction and insurance costs?

Where is the closest good hospital, and have you found any difficulties in locating medical providers that will accept Medicare? Thank you so much for any information you can provide!

However, if you like a more established community and living on or near a golf course the Hilton Head would be ideal. Del Webb in Summerville was part of a large complex of all ages which we really liked. The one thing we did not like was the traffic, rush hour in the morning and afternoon are brutal. We love downtown Charleston and the beach about a minute drive from Summerville. Thanks Bruce. Augustine and Jacksonville.

I agree with Sharon and look forward to her comments about all the places she visits. I have always bought homes by the way they feel and I will likely settle on a retirement spot using that same sense of home. Sharon, hope you are not planning all of those visits in one trip unless you have lots of vacation time. We tried it and found that unless places were located very close to one another we could only see places a day, and that was only visits to models homes, talking to the rep and visiting the rec center because we are very interested in the clubs and exercise equipment available.

When we do look at those things we keep coming back to our own location and nothing compares, so far. That is, until winter hits us here and we know we have to leave.

The information we receive from these blogs is invaluable, while realizing we still have to form our own opinions on each place. Thanks everyone. Meanwhile, North Carolina comes in at just a bit higher at Of course, you could argue the trade-off is the big city connection mentioned earlier, earning the slightly higher cost of living.

Retirees often relocate to warmer climates, away from the cold and damp of more northerly regions of the United States. This is another factor where the Carolinas thrive. In fact, when it comes to retirement in North Carolina vs. Yes, the northern reaches of NC get a bit colder than the most southerly tip of SC, but the major difference comes from the way the climate differs from the eastern beach regions to the western, more mountainous regions.

So the bottom line here is that you are set to be happy when it comes to climate regardless of your choice! Both North Carolina and South Carolina offer a massive range of recreation opportunities from which to choose.