5. Del Webb’s Sun City Hilton Head, South Carolina — Best Golf Retirement Community

Del Webb’s Sun City Hilton Head is one of America’s most celebrated planned retirement neighborhoods. South Carolina’s retirement-friendly tax laws — including exemptions on Social Security income and generous deductions on pension and retirement income — make it financially compelling.

This gated 55+ community offers championship golf, resort-style amenities, and a vibrant social calendar for active retirees. Healthcare access is well-developed, with Medicare Advantage plan providers and senior care specialists servicing the community.

Home prices are competitive compared to Florida counterparts, offering genuine retirement budget advantages. Financial advisors specialising in retirement income planning, 401(k) rollover management, and required minimum distributions (RMDs) are accessible locally.

For retirees prioritising community, security, and lifestyle in a low-tax state, Sun City Hilton Head represents outstanding value. Its Del Webb brand heritage guarantees a professionally managed, retiree-focused environment that continues to attract buyers from across the United States.

6. Pinehurst, North Carolina — Best Small-Town Retirement Neighborhood

Pinehurst, North Carolina is an elegant small-town retirement destination famous for its world-renowned golf courses and gracious Southern lifestyle. North Carolina’s moderate flat income tax rate and partial Social Security exemption for qualifying retirees provide meaningful retirement tax relief.

Pinehurst’s real estate offers exceptional value — from historic village cottages to modern golf community homes — accommodating retirees across a range of retirement budgets.

The local healthcare network, anchored by FirstHealth Moore Regional Hospital, offers strong Medicare and Medicare Advantage coverage. Senior living and continuing care retirement communities (CCRCs) in and around Pinehurst serve the growing retiree population with quality, compassionate care.

For retirees focused on retirement savings longevity, Pinehurst’s low cost of living dramatically extends purchasing power. Estate planning services and certified financial planners (CFPs) are well-represented, helping retirees manage everything from trust creation to annuity optimisation in this charming, storied retirement neighborhood.