North Carolina vs. Florida: Which is Better for Retirees?
The decision to retire in North Carolina vs. Florida depends on your priorities. Florida’s appeal is well-known: no state income tax, year-round sunshine, and abundant retiree-focused services make it one of the top destinations in the country. The lack of income tax in Florida includes exemptions on Social Security, pensions, and withdrawals from IRAs and 401(k)s (Florida Department of Revenue).
North Carolina, meanwhile, offers a more moderate climate with all four seasons and a generally lower cost of living than Florida’s most populated areas. While North Carolina does tax retirement income, recent changes have exempted military pensions, and property taxes remain relatively low. The state also offers diverse geography—from beaches to mountains—and excellent healthcare networks through Duke Health and UNC.
Both states offer high-quality continuing care retirement communities from Acts Retirement-Life Communities, giving residents access to on-campus healthcare, active lifestyle programming, and financial peace of mind. You really can’t go wrong whether you choose the year-round warmth and tax relief of Florida or the scenic beauty and seasonal charm of North Carolina. And you’ll find top-tier living and care with Acts in either state.
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