Castillo Rancon
Tennessee continues to attract retirees for good reason. With no state income tax and reasonable living costs, it’s possible to settle somewhere serene without draining your budget. The towns on this list offer comfort and enough charm to turn a fixed income into a fulfilling chapter of life.
Athens
Living costs in Athens hover well below the national average, especially when it comes to rent and groceries. The town offers just enough charm and convenience to keep life pleasant. With a walkable downtown and friendly community, it’s a strong pick for retirees on limited income.
Tullahoma
Tullahoma’s housing market remains accessible for one-bedroom rentals, with median rents under $900 and utility costs that don’t spike with the seasons. It’s home to scenic greenways and solid medical services. Plus, you don’t need a car to run errands if you settle near the town center.
Morristown
With average rents around $1,019 and a surprising amount of public parks, Morristown still manages to offer a livable option for those relying on Social Security alone. Public transportation is basic but present, and healthcare facilities are accessible without long travel. It balances affordability with livability in a way that still stands out.
McMinnville
Not every town with rolling hills and historic charm costs a fortune. McMinnville delivers Southern serenity alongside rental homes and apartments that don’t break four digits. Farmers markets thrive here, and if you like gardening or neighborly potlucks, this spot can stretch every dollar and still feel like home.
Dyersburg
Dyersburg offers practical amenities in a wallet-friendly package. Grocery costs remain low, and senior housing options are located close to shopping spots. Local events, like bluegrass nights or crafts fairs, keep things lively without denting your wallet. Life here tends to feel self-sustaining and straightforward.
Paris
Yes, there’s an Eiffel Tower replica—and yes, you can afford to live nearby. Paris, Tennessee, offers apartments for well under $800 and groceries that stretch a budget surprisingly far. Plus, with Lake Kentucky just a short drive away, you get nature and affordability in one tidy package.
Humboldt
In Humboldt, $900 stretches like $1,200 in other towns. There’s a low crime rate, and utility bills are refreshingly tame. Coffee shops, thrift stores, and community meals help keep the social life active without straining your wallet. Many locals age in peace here, and it’s easy to see why.
Erwin
Near the Appalachian Trail, Erwin offers one-bedroom rentals for less than many big cities charge for parking. Public parks are plentiful, and there’s a strong sense of safety and calm. If you enjoy slow living and don’t need luxury, this peaceful spot checks a lot of the right boxes.
Camden
Camden’s the kind of place where the water bill won’t shock you, and rent tends to stay within reach, especially in areas with rent control. While prices can shift with demand or amenities, many residents find housing costs more predictable than in larger cities.
Savannah
Located near the Tennessee River, Savannah offers nature’s beauty at a discount. The area is known for its calm pace and low housing costs, especially in senior communities. Grocery chains and family-run diners keep food prices manageable, while a strong local library adds value for anyone craving a quiet day out.
