Author: O.K. Hogan | REALTOR®/BROKER, CCIM, SFR

Looking for a peaceful, affordable, and beautiful place to retire? North Carolina’s coastal towns are perfect for retirees who want a laid-back lifestyle, mild weather, and scenic waterfront views.

At Star Team Real Estate, we specialize in helping retirees find the perfect coastal home. With over 20 years of experience, we know the best towns, the best deals, and how to make your move easy. 

Call us today at 252-422-2205 to start your search.

Why Retire in a Coastal Town in North Carolina?

Retiring near the beach is a dream for many, and North Carolina’s coastal towns offer everything retirees need for a comfortable life. Here’s why this region is an excellent choice:

• Beautiful Weather: Enjoy mild winters and warm summers.
• Affordable Cost of Living: Lower home prices than many other coastal states.
• Low Taxes for Retirees: No state tax on Social Security benefits.
• Great Healthcare Facilities: Access to top hospitals and medical centers.
• Senior-Friendly Communities: Peaceful neighborhoods with amenities for retirees.

Want to find out which town is best for you? Keep reading to explore your options.

Top 6 Coastal Towns in North Carolina for a Comfortable Retirement

Here are the best coastal towns for retirees in North Carolina. Each one offers its unique charm, affordable homes, and retirement-friendly amenities.

1. Southport, NC (A Small-Town Gem)

Why Retire Here?

• A quiet and friendly town with a strong sense of community.
• Beautiful waterfront views and a walkable downtown.
• Affordable homes with great neighborhoods for retirees.

Looking for a home in Southport? Call us at 252-422-2205.

2. Beaufort, NC (A Historic, Seaside Town)

Why Retire Here?

• A charming coastal town with a relaxed atmosphere.
• Close to the Crystal Coast, ideal for fishing and boating.
• Affordable homes with great ocean views and a welcoming community.

Find your dream home in Beaufort with Star Team Real Estate.

3. Wilmington, NC (City Living by the Beach)

Why Retire Here?

• A blend of beach life and city conveniences.
• Great restaurants, cultural attractions, and healthcare facilities.
• Higher home prices but excellent quality of life for active retirees.

Thinking of moving? Let’s find your perfect home in Wilmington.

4. Emerald Isle, NC (A Quiet Beach Paradise)

Why Retire Here?

• A peaceful beach town with stunning ocean views.
• Perfect for outdoor lovers who enjoy fishing, biking, and boating.
• Limited but high-quality real estate options.

Want to get a home in Emerald Isle? Call Star Team Real Estate today.

5. Morehead City, NC (Affordable Waterfront Living)

Why Retire Here?

• Affordable waterfront properties with a welcoming community.
• A vibrant fishing and boating culture with local events.
• Close to top hospitals and medical care facilities.

Find your Morehead City home with our expert team.

6. Oak Island, NC (A Family-Friendly Beach Town)

Why Retire Here?

• A peaceful town with a strong sense of community.
• Affordable beach homes with low crime rates.
• Ideal for retirees seeking quiet coastal living.

Let us help you find your Oak Island home – call 252-422-2205 today.

Cost of Living and Housing Market in Coastal North Carolina

One of the best parts about retiring in North Carolina’s coastal towns is affordability.

• Home Prices: Smaller coastal towns have homes starting at around $250,000.
• Property Taxes: Lower than in many other coastal states.
• Cost of Living: Generally lower than Florida or California.

Need help finding a home within your budget? Call Star Team Real Estate at 252-422-2205.

How to Choose the Right Coastal Town for Your Retirement

Before making a decision, consider these factors:

• Budget: Are you looking for affordability or luxury?
• Lifestyle: Do you prefer a quiet town or an active community?
• Healthcare Access: How close are hospitals and medical facilities?
• Weather Risks: Some areas have more hurricane exposure than others.

Still unsure? Let Star Team Real Estate help you pick the best town for your needs. Call us at 252-422-2205 for expert advice.

Frequently Asked Questions (FAQs)

What is the most affordable coastal town to retire in North Carolina?

Edenton and Morehead City are two of the most affordable coastal towns in North Carolina. Home prices in these areas start at around $250,000, and the overall cost of living is lower than in many other coastal states. Property taxes are also relatively low for retirees.

Are there 55+ retirement communities in North Carolina’s coastal towns?

Yes, many coastal towns in North Carolina have 55+ retirement communities. Places like Southport, Wilmington, and Morehead City offer active adult communities with amenities such as clubhouses, fitness centers, and planned social activities. These communities provide a low-maintenance lifestyle for retirees.

Is healthcare easily accessible in these coastal towns?

Most coastal towns in North Carolina have easy access to quality healthcare. Wilmington and Morehead City have top-rated hospitals, while smaller towns like Southport and Beaufort are within a short drive of major medical centers. Many areas also offer specialized senior healthcare services.

What are property taxes like for retirees in North Carolina?

North Carolina has relatively low property taxes, making it a great option for retirees. The state also does not tax Social Security income, which helps retirees save money. Many coastal towns offer additional property tax breaks for seniors, making homeownership even more affordable.

Which coastal town in North Carolina has the best weather for retirees?

Southport and Oak Island have some of the most pleasant weather for retirees. These towns experience mild winters, warm summers, and gentle ocean breezes. They also have lower humidity compared to some other coastal areas, making them comfortable places to live year-round.

How much money do I need to retire in North Carolina’s coastal towns?

The amount needed depends on lifestyle and location, but many retirees in North Carolina’s coastal towns live comfortably on $3,500 to $5,000 per month. This includes housing, utilities, healthcare, and leisure activities. More affordable towns like Edenton and Morehead City require a lower monthly budget.

How do I find the best real estate deals in North Carolina’s coastal towns?

The best way to find great real estate deals is by working with an experienced local agent. At Star Team Real Estate, we specialize in helping retirees find homes that fit their budget and lifestyle. Call us at 252-422-2205 to get started today.

Final Thoughts – Let Star Team Real Estate Help You Find Your Dream Home

North Carolina’s coastal towns offer the perfect combination of affordability, beauty, and relaxation for retirees. Whether you want a small, quiet town or a more vibrant beach city, there is a perfect location for you.

At Star Team Real Estate, we have helped retirees find their dream coastal homes for over 20 years. We know the best neighborhoods, the best deals, and how to make your move simple and stress-free.

Call us today at 252-422-2205 to start your journey.