Retirement isn’t just about leaving the workforce — it’s about finding a place where your lifestyle, budget, and peace of mind align. More and more retirees are asking the same question: Is East Tennessee the right place to retire?
If you’re seeking natural beauty, low taxes, affordable living, and a welcoming community, East Tennessee might just be your perfect landing spot. Here’s what makes it one of the fastest-growing retirement destinations in the U.S.
1. No State Income Tax = More Retirement Dollars
Tennessee is one of only a handful of states with no state income tax — meaning your retirement income, pensions, and Social Security benefits go farther. There’s also no tax on earned wages, which is ideal for retirees planning part-time work or consulting in retirement.
Even property taxes in Tennessee are among the lowest in the nation. Whether you’re buying a mountain-view custom home or downsizing to a single-level plan, you’ll likely pay significantly less in annual taxes compared to northern or coastal states.
2. Four Seasons with Mild Winters
Retirees from the Midwest and Northeast often come to East Tennessee for one key reason: gentle seasons. You’ll still experience fall leaves, spring blooms, and light snow — but without the harsh winters or hurricanes found in other regions.
In towns like Greeneville, Sevierville, and Pigeon Forge, the elevation offers cool breezes in summer and cozy mountain scenes in winter — perfect for retirees who enjoy outdoor living without extreme weather.
3. Small-Town Charm, Big-City Access
East Tennessee offers the best of both worlds: peaceful small towns with easy access to larger metro areas. Popular retirement-friendly towns include:
- Greeneville – Affordable, historic, and close to the Cherokee National Forest
- Sevierville & Pigeon Forge – Near the Smoky Mountains with great medical care and recreation
- Morristown & Johnson City – Growing communities with walkable town centers and medical infrastructure
- Gatlinburg – High demand for vacation-style living or investment rentals
For travel and specialty healthcare, Knoxville is just a short drive from most areas.
4. Outdoor Recreation Without the Crowds
Whether it’s hiking, fishing, golfing, or gardening, East Tennessee’s natural setting offers retirees unlimited ways to stay active and enjoy life. Popular attractions include:
- Great Smoky Mountains National Park
- Douglas Lake and Cherokee Lake
- Dozens of golf courses and state parks
- Mild trails perfect for older adults or casual hikers
At Olson Custom Homes, many of our clients choose custom home sites with direct access to trails, water, or mountain views — creating retirement spaces that blend nature and comfort.
5. Affordable Custom Living
One of the top reasons retirees move to East Tennessee is the ability to build or buy a home that fits their lifestyle — without draining their savings.
Custom homes here start at more affordable prices than in Western or coastal states, and our team at Olson Custom Homes specializes in:
- Single-level, no-stair floor plans
- Accessible features like wide hallways, curbless showers, and open kitchens
- Flexible designs that adapt to future aging-in-place needs
With over 500 homes built in the region, we understand how to design for retirees who value both beauty and practicality.
6. A Community That Welcomes You
East Tennessee is known for its Southern hospitality — and that extends to its retirement communities. Whether you’re moving here full-time or planning a seasonal stay, you’ll find:
- Churches and civic groups with strong outreach
- Craft fairs, local music events, and regional festivals
- Supportive neighbors who treat you like family
Many of our clients say they feel “at home” even before construction is finished — and we think that speaks volumes about life in this region.
Final Thoughts
So, is East Tennessee the best place to retire? For many, the answer is a resounding yes.
You get the charm of the Smokies, the affordability of the South, and the flexibility to create the lifestyle you’ve earned — whether it’s in a quiet mountain cottage or a modern custom home.
At Olson Custom Homes, we’ve helped countless retirees design their dream homes — from first sketch to final walk-through. If you’re ready to explore East Tennessee as your retirement destination, we’d love to be part of your journey.
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