These Are the 25 Best Towns to Retire in North Carolina Taking the Costs of Buying a Home and Homeownership Into Consideration Along with Several Other Key Criteria

This comprehensive guide examines 25 of North Carolina’s most attractive retirement destinations, arranged alphabetically for my easy reference.

I’ve evaluated each town across five key criteria: Cost of buying a home, Healthcare Access, Weather, Cultural Activities, and Crime Rate. The grades I’ve assigned (A+ through D) are relative only to other North Carolina communities, providing me a focused comparison within the state rather than national standards.

These subjective assessments are based on current data and trends, with each grade reflecting a town’s performance relative to its North Carolina peers. For instance, home prices in North Carolina are typically lower than many other states so nationally, the grades would be high (as in low cost). However, for this analysis, cost of housing is relative to only towns in North Carolina.

I analyzed many sources in coming up with these towns and assigning grades. The sources are listed at the end.

This approach allows me to make meaningful comparisons while acknowledging the unique characteristics that make each location special within the context of North Carolina living.

Here’s the list.

1. Apex

• Cost of Buying a Home: B-
• Healthcare Access: A-
• Weather: B+
• Cultural Activities: B+
• Crime Rate: A

Nestled in the heart of the Triangle region, Apex combines suburban charm with urban convenience. Housing costs reflect the area’s desirability, with prices trending above state averages but offering solid long-term value. The town’s proximity to major medical centers ensures top-tier healthcare accessibility. Residents enjoy mild winters and warm summers typical of the Piedmont region. A flourishing downtown hosts year-round festivals and events, while the community’s strong police presence maintains exemplary safety standards.

2. Asheville

• Cost of Buying a Home: C+
• Healthcare Access: A
• Weather: A-
• Cultural Activities: A+
• Crime Rate: B-

Tucked into the Blue Ridge Mountains, Asheville stands as North Carolina’s eclectic mountain paradise. The real estate market commands premium prices due to the city’s nationwide appeal. Multiple hospitals and specialist networks provide comprehensive medical care options. The four-season climate offers stunning seasonal displays without extreme temperature swings. The River Arts District, numerous festivals, and vibrant music scene create an unmatched cultural tapestry. While overall safety remains reasonable, urban-related property crimes occur at rates typical for a city of its size.

3. Black Mountain

• Cost of Buying a Home: B
• Healthcare Access: B+
• Weather: A-
• Cultural Activities: B+
• Crime Rate: A-

This charming mountain hamlet offers a peaceful alternative to nearby Asheville’s bustle. Property values remain more accessible than its larger neighbor while still providing mountain views and character. The town’s medical needs are well-served by nearby facilities. Mountain breezes keep summers pleasant while winters bring occasional snow dustings. Local artisans and craftspeople maintain studios throughout town, while the historic downtown hosts regular community gatherings. The close-knit community atmosphere contributes to consistently low crime statistics.

4. Brevard

• Cost of Buying a Home B+
• Healthcare Access: B
• Weather: A
• Cultural Activities: B+
• Crime Rate: A-

Known as the “Land of Waterfalls,” Brevard captivates retirees with its natural beauty and small-town charm. The housing market offers good value for a desirable mountain location. A local hospital provides essential services with specialized care available in nearby cities. The mountain climate creates perfect conditions for outdoor activities year-round. The renowned Brevard Music Center and numerous festivals keep residents culturally engaged, while the small-town atmosphere helps maintain impressive safety records.

5. Burlington

• Cost of Buying a Home: A-
• Healthcare Access: B+
• Weather: B+
• Cultural Activities: B-
• Crime Rate: C+

Situated in the Piedmont Triad, Burlington attracts retirees with its affordability and central location. The housing market remains surprisingly accessible despite the town’s strategic position between major cities. Medical facilities meet most needs with specialized care readily available in nearby metropolitan areas. The moderate climate provides comfortable conditions throughout most of the year. While cultural offerings are modest, the town’s location enables easy access to larger cities’ amenities. Crime rates align with typical metrics for similar-sized North Carolina communities.

6. Cary

• Cost of Buying a Home: C
• Healthcare Access: A
• Weather: B+
• Cultural Activities: A-
• Crime Rate: A

A technology hub turned suburban haven, Cary consistently ranks among North Carolina’s most desirable communities. The housing market reflects this popularity with elevated prices. The town’s location ensures access to world-class healthcare facilities throughout the Triangle. Mild seasons make outdoor activities enjoyable year-round. Cultural offerings range from the Cary Arts Center to numerous community festivals. The town’s commitment to public safety results in crime rates among the lowest in the state.

7. Chapel Hill

• Cost of Buying a Home: C-
• Healthcare Access: A+
• Weather: B+
• Cultural Activities: A+
• Crime Rate: B-

Home to one of the nation’s first public universities, UNC-Chapel Hill blends academic excellence with small-town Southern charm. The competitive housing market reflects the town’s enduring appeal. The presence of UNC Medical Center provides world-class healthcare at residents’ doorsteps. Four distinct seasons offer comfortable temperatures and beautiful scenery. The university influence creates a vibrant atmosphere of lectures, performances, and sporting events. Property crime rates run slightly higher than the state average, influenced by the seasonal student population.

8. Davidson

• Cost of Buying a Home: C
• Healthcare Access: A-
• Weather: B+
• Cultural Activities: A-
• Crime Rate: A

This lakeside college town captivates with its intellectual atmosphere and historic charm. Premium housing prices reflect Davidson’s reputation as a coveted address. Healthcare options abound with excellent facilities in and around the Lake Norman region. The climate provides ideal conditions for enjoying the town’s extensive greenway system. Davidson College ensures a steady stream of cultural enrichment through lectures, concerts, and art exhibitions. The town maintains an impressive safety record through community-oriented policing.

Related: These are the 25 best places to raise a family in North Carolina

9. Edenton

• Cost of Buying a Home: A
• Healthcare Access: B-
• Weather: B+
• Cultural Activities: B
• Crime Rate: B+

The “South’s Prettiest Small Town” welcomes retirees with historic architecture and waterfront views. Historic homes offer surprising value in this coastal gem. While medical facilities are modest, they adequately serve the community’s basic needs. The coastal climate moderates winter temperatures while providing cooling summer breezes. Colonial history comes alive through preserved architecture and regular historical tours. The close-knit community fosters a secure environment with relatively low crime rates.

10. Flat Rock

• Cost of Buying a Home: B-
• Healthcare Access: B+
• Weather: A-
• Cultural Activities: B+
• Crime Rate: A

Literary history and mountain charm converge in this cultural haven. Housing costs balance mountain town premiums with relative value. The proximity to Hendersonville’s medical facilities ensures quality healthcare access. The elevation provides relief from summer heat while maintaining mild winters. The famous Flat Rock Playhouse, North Carolina’s state theater, anchors a rich cultural scene. The village atmosphere contributes to exceptionally low crime rates.

11. Hendersonville

• Cost of Buying a Home: B
• Healthcare Access: A-
• Weather: A
• Cultural Activities: A-
• Crime Rate: B+

Often called the “City of Four Seasons,” Hendersonville delivers mountain living without the tourist crowds. The real estate market offers reasonable values for a popular mountain destination. A robust medical community serves the area with comprehensive care options. The climate provides ideal conditions for the region’s famous apple orchards. Downtown’s historic Main Street buzzes with galleries, restaurants, and regular events. Community policing helps maintain lower-than-average crime rates.

12. Highlands

• Cost of Buying a Home: D+
• Healthcare Access: B-
• Weather: A+
• Cultural Activities: B+
• Crime Rate: A

Perched at just over 4,100 feet, this exclusive mountain retreat offers unparalleled natural beauty. The housing market ranks among western North Carolina’s most expensive, driven by luxury second homes. While medical facilities are limited, they meet basic needs effectively. The elevation ensures the coolest summers in the state. The Performing Arts Center and seasonal festivals provide sophisticated entertainment options. The affluent community enjoys extremely low crime rates.

13. Jacksonville

• Cost of Buying a Home: B+
• Healthcare Access: B+
• Weather: B
• Cultural Activities: B-
• Crime Rate: B-

Military presence shapes this coastal community’s character and economy. Housing costs reflect steady demand from military personnel and retirees. Onslow Memorial Hospital provides solid healthcare options, with additional medical facilities available at the nearby Camp Lejeune Naval Hospital for eligible military personnel. Coastal breezes moderate the climate throughout the year. While cultural activities center around military traditions, the city offers increasing civilian entertainment options. Crime rates remain average for a city of its size.

14. Lenoir

• Cost of Buying a Home: A
• Healthcare Access: B
• Weather: B+
• Cultural Activities: B-
• Crime Rate: C+

Once a major furniture manufacturing hub, Lenoir has diversified its economy with healthcare, tech, and small-scale manufacturing. Housing costs remain among the most affordable in the region. Local medical facilities provide standard care with specialists available in nearby cities. The foothills location offers mountain views with milder weather than higher elevations. The town maintains its furniture heritage through craft shows and festivals. Property crime rates run higher than state averages, requiring standard security precautions.

15. Matthews

• Cost of Buying a Home: B-
• Healthcare Access: A
• Weather: B+
• Cultural Activities: B+
• Crime Rate: A-

This charming Charlotte suburb balances small-town atmosphere with big-city convenience. Housing prices reflect the town’s desirable location and amenities. Charlotte’s extensive medical network provides excellent healthcare options. The piedmont climate offers relatively mild temperatures year-round. The historic downtown hosts regular events while Charlotte’s cultural scene lies within easy reach. Strong community policing maintains low crime rates.

16. New Bern

• Cost of Buying a Home: B+
• Healthcare Access: B+
• Weather: B
• Cultural Activities: A-
• Crime Rate: B

North Carolina’s colonial first capital charms with waterfront beauty and historic significance. The housing market offers good value for coastal living. CarolinaEast Medical Center leads a capable healthcare network. The coastal location brings mild winters but humid summers. Tryon Palace and numerous historic sites anchor a lively cultural scene. Crime rates remain typical for a coastal city of its size.

17. Pinehurst

• Cost of Buying a Home: B-
• Healthcare Access: A-
• Weather: B+
• Cultural Activities: A-
• Crime Rate: A

World-class golf meets village charm in this internationally renowned community. Housing costs reflect the prestige of living in a legendary golf destination. FirstHealth’s flagship hospital provides excellent medical care. The Sandhills region enjoys moderate temperatures ideal for year-round golf. Beyond golf, the village offers concerts, art shows, and cultural events. The residential nature of the community contributes to very low crime rates.

18. Pittsboro

• Cost of Buying a Home: B+
• Healthcare Access: B+
• Weather: B+
• Cultural Activities: B
• Crime Rate: A-

This historic county seat combines rural charm with proximity to urban amenities. The housing market offers value while new developments add modern options. Major medical facilities lie within easy reach in nearby Chapel Hill and Durham. The piedmont location provides pleasant weather most of the year. The town’s historic courthouse anchors a growing arts scene. Small-town vigilance helps maintain low crime statistics.

Related: 10 of the Most Secluded Towns in North Carolina for Homebuyers to Move to in 2025

19. Saluda

• Cost of Buying a Home: B
• Healthcare Access: B-
• Weather: A-
• Cultural Activities: B
• Crime Rate: A-

Artists and nature lovers find inspiration in this intimate mountain community. Real estate prices remain reasonable for a scenic mountain location. While local medical services are basic, regional healthcare centers are accessible. The mountain setting provides comfortable temperatures and stunning seasonal changes. The Saluda Arts Festival highlights a year-round creative community. The small population and strong community bonds contribute to very low crime rates.

Related: 15 Towns in North Carolina Where Pottery is a Big Deal

20. Southport

• Cost of Buying a Home: B-
• Healthcare Access: B
• Weather: B+
• Cultural Activities: B+
• Crime Rate: A-

Made famous by numerous films, this picturesque coastal town embodies seaside charm. Housing costs reflect the premium for coastal living but remain reasonable compared to other waterfront communities. While local medical facilities handle routine care, specialized treatment requires travel to nearby cities. The maritime climate brings mild winters and sea breezes that moderate summer heat. The waterfront district buzzes with galleries, shops, and seafood restaurants. Strong community bonds help maintain notably low crime rates.

21. Southern Pines

• Cost of Buying a Home: B
• Healthcare Access: A-
• Weather: B+
• Cultural Activities: A-
• Crime Rate: B+

Pine-scented air and equestrian heritage define this sophisticated Sandhills community. Property values balance golf course properties with more modest options. FirstHealth Moore Regional Hospital provides comprehensive medical care. The region’s sandy soil and mild climate create ideal conditions for year-round outdoor activities. The town’s cultural scene includes art galleries, theater productions, and equestrian events. Property crime rates run slightly above state averages but violent crime remains low.

22. Swansboro

• Cost of Buying a Home: B+
• Healthcare Access: C
• Weather: B+
• Cultural Activities: B
• Crime Rate: A-

Known as the “Friendly City by the Sea,” this coastal gem preserves its fishing village heritage. Housing costs provide good value for waterfront living. Medical care requires travel to larger facilities in Jacksonville or Morehead City. The coastal climate ensures mild winters and cooling summer breezes. The historic waterfront hosts festivals celebrating the town’s maritime culture. The small-town atmosphere helps maintain consistently low crime rates.

23. Wake Forest

• Cost of Buying a Home: B-
• Healthcare Access: A-
• Weather: B+
• Cultural Activities: B+
• Crime Rate: A-

This growing Triangle town masterfully blends historic charm with modern amenities. Real estate prices reflect the area’s rapid development and desirability. The town’s location ensures access to the region’s extensive medical network. The climate provides classic North Carolina seasons without extremes. A revitalized downtown and regular community events create a vibrant cultural scene. Proactive law enforcement maintains impressive safety statistics.

24. Waynesville

• Cost of Buying a Home: B+
• Healthcare Access: B
• Weather: A-
• Cultural Activities: B+
• Crime Rate: A-

Gateway to the Smokies, Waynesville combines mountain majesty with small-town friendliness. The housing market offers surprising value for a scenic mountain location. Haywood Regional Medical Center provides reliable healthcare services. The elevation ensures comfortable summers and seasonal winter snow. Art galleries and craft studios line historic Main Street, while the Folkmoot Festival celebrates international culture. The strong community spirit contributes to consistently low crime rates.

25. Wilmington

• Cost of Buying a Home: B-
• Healthcare Access: A
• Weather: B+
• Cultural Activities: A
• Crime Rate: C-

Port city sophistication meets coastal leisure in this vibrant riverside community. Housing costs reflect the premium for coastal living near urban amenities. Novant Health New Hanover Regional Medical Center leads a comprehensive healthcare network. The coastal climate brings mild winters and warm, humid summers. Historic river district tours, film festivals, and a thriving arts scene provide rich cultural experiences. Urban challenges result in higher crime rates than other retirement destinations.

Sources:

• Newobserver.com
• Safehome.org
• Carolinajournal.com
• Reddit.com
• Billcorbettlaw.com
• Travelandleisure.com
• Realestate.usnews.com
• USA.com
• Retirenc.com
• Niche.com
• Romanticasheville.com
• ucr.fbi.gov