9 Best Tennessee Towns For Retirees
Tennessee's low taxes, scenic beauty, and laid-back pace make it a popular choice for retirees, especially in its smaller, more affordable towns. The state's median home price hovers around $330,000, but many charming spots offer even better value without sacrificing amenities. From historic villages to lakeside escapes, these towns provide access to essential healthcare and a diverse range of attractions that cater to a variety of lifestyles. Here are nine retirement-friendly gems that have a delightful blend of comfort, community, and culture.
Dayton
Dayton is a budget-friendly retirement destination situated along the Tennessee River, known for its rich historical heritage and scenic outdoor spaces. The median home price is around $250,000, which is significantly lower than the state average, and rental options remain reasonably affordable. Rhea Medical Center offers essential healthcare, including diagnostic services and rehabilitation. The downtown area features the Rhea County Courthouse, site of the famous Scopes Trial, which now houses the Rhea County Heritage and Scopes Trial Museum. Chickamauga Lake offers boating and fishing opportunities, while the Laurel-Snow State Wilderness is a serene retreat featuring waterfalls and forest trails, making it an ideal spot for a slow-paced adventure close to home.
Jonesborough
Jonesborough is Tennessee's oldest town, making it a charming and culturally rich destination for retirees. Home values are below the state median, and property taxes are among the lowest in the region. Although it has a relatively small population, it benefits from proximity to Johnson City Medical Center, a large hospital that offers advanced care. The Downtown district's cobblestone streets, restored 18th-century buildings, and independent shops give it a timeless feel. The International Storytelling Center draws visitors and locals alike to its weekly events and National Storytelling Festival, while the Chester Inn Museum provides a glimpse into Jonesborough's storied past. Persimmon Ridge Park offers walking paths, picnic spots, and community spaces nestled in the foothills of the area.
Linden
Linden is a peaceful riverside town in western Tennessee, with one of the most affordable housing markets on this list, and home prices significantly below the state average. Linden has a walk-in medical clinic, and access to advanced medical care is within an hour's drive at the Maury Regional Medical Center in Columbia, as well as several options in Jackson, just over an hour away. Linden’s downtown features local boutiques, charming cafés, and the historic Commodore Hotel, a symbol of the town’s revival. Nature lovers can paddle along the Buffalo River or enjoy the Blooming Arts Festival, which brings together regional artists and musicians each spring.
Cumberland Gap
Cumberland Gap is a historic alpine town with a remarkably low cost of living, attracting retirees who are drawn to the beauty of the Appalachian Mountains. Real estate prices in this area are significantly lower than the state average - the town's median listing home price is below $210,000, and the absence of a state income tax benefits individuals on a fixed income. While the Cumberland Gap lacks a major hospital, residents are within a 10-minute drive of Middlesboro ARH Hospital in Kentucky, and larger medical centers are less than an hour away. Nearby Cumberland Gap National Historical Park offers some of the most scenic hiking and views in Tennessee, and you can check out the Cumberland Gap Artist Co‑op or Little Congress Bicycle Museum to enjoy the rich culture this town has to offer.
Lewisburg
Lewisburg is just under an hour from Nashville, striking a balance between affordability and accessibility. Median home prices are well below the state average, and the cost of living is quite manageable for retirees. Medical services are available nearby through Marshall Medical Center, a 25-bed critical access hospital serving residents of Marshall County and the surrounding area. The revitalized downtown features antique stores, coffee shops, and the Marshall County Community Theatre, which hosts a range of live performance events, including musicals and concerts. Rock Creek Park offers green spaces and walking paths in town, while local events like the Goats, Music and More Fair foster a strong sense of community that appeals to individuals seeking a lively and comfortable retirement.
Columbia
Columbia has seen a surge in interest, thanks to its artsy revival and proximity to Nashville, but housing remains relatively affordable and is consistent with the state average. It is home to Maury Regional Medical Center, a top-rated hospital offering extensive care options. Meanwhile, downtown Columbia is bustling with galleries, breweries, and cafés, as well as restored historic buildings. History buffs can visit the James K. Polk Home, while the Duck River and Riverwalk Park offer peaceful outdoor settings for walking or gathering. The mix of culture, healthcare, and affordability makes Columbia a top pick for retirees seeking variety and vibrancy.
Sweetwater
Sweetwater is situated between Knoxville and Chattanooga, offering small-town peace with big-time affordability. Median home prices remain around $250,000, comfortably below the state average, making the town's cost of living ideal for retirees with limited incomes. The Sweetwater Hospital Association offers local healthcare services, with larger medical centers within a one-hour drive. The town is renowned for the Lost Sea Adventure, America's largest underground lake, which is a major attraction for visitors. Sweetwater's historic Main Street features antique shops, art galleries, and regularly-scheduled seasonal events, while nearby parks and walking trails offer numerous spots to enjoy some fresh air. Stop by the Sweetwater Depot & Visitors Center for local information, exhibits on Sweetwater's heritage, and interpretive displays.
Tellico Plains
Tellico Plains is nestled in the foothills of the Cherokee National Forest. It offers peaceful living, stunning scenery, and relatively affordable housing, with median home prices around or just slightly above the state average. Sweetwater Hospital Association offers a range of clinical and home helathcare services, and more extensive care is available in Knoxville, just over an hour away. The town serves as the western gateway to the Cherohala Skyway, a scenic byway known for its breathtaking drives and stunning views. Bald River Falls and the Tellico River provide easy outdoor escapes, while the charming downtown area features a farmers' market, cafes, and local art galleries that promote a relaxed lifestyle.
Morristown
Morristown is situated between Knoxville and the Cherokee National Forest, offering a unique blend of affordability and access to natural beauty. Home prices in Tennessee sit well below the median at around $260,000, making it an attractive option for retirees on a budget. The city is served by Morristown-Hamblen Healthcare System, a full-service hospital offering emergency and specialty care. Panther Creek State Park is just minutes from town and is ideal for hiking, birdwatching, or fishing on Cherokee Lake. Downtown’s elevated SkyMart sidewalks add charm and convenience, hosting local shops, coffee spots, and small-town events. The Rose Center for the Arts offers a range of classes, exhibits, and performances throughout the year, and history buffs will love the Crockett Tavern Museum, located on the site of David Crockett’s boyhood home.
Whether you are drawn to historic streets, mountain views, or quiet riverside living, Tennessee’s retirement towns offer a perfect blend of affordability, community, and charm. With access to healthcare, low property taxes, and vibrant local life, these places prove that you don’t need a big city to enjoy a prosperous retirement. From festivals and art walks to peaceful parks and porch swings, each town on this list has something unique to offer those ready for their next chapter.
