As retirement lifestyles evolve, Charleston, SC, is emerging as a top destination for retirees in 2025. A combination of excellent healthcare, tax advantages, vibrant communities, and lifestyle appeal are drawing retirees to the Holy City.
1. Outstanding Healthcare Access
- Charleston is home to MUSC Health–University Medical Center and Roper Hospital, consistently ranked among the best in South Carolina.
- The region offers a wide network of specialized clinics and services tailored to seniors, covering everything from cardiology to rehabilitation.
- Home to multiple assisted living and senior living communities—such as Seafields, Peninsula of Charleston, and Seafield at Freshfields Village—Charleston combines medical care with senior lifestyle amenities.
2. Active Adult & Retirement Community Options
- Charleston and nearby Lowcountry areas feature numerous active adult communities—offering resort-style living, wellness facilities, pools, golf, and social clubs.
- Exclusive coastal neighborhoods like Kiawah Island, Seabrook Island, and Freshfields Village cater to retirees seeking luxury, security, and easy access to nature and recreation.
- South Carolina ranks high for retiree migration, partly due to its array of active living communities that combine outdoor living with social amenities .
3. Retiree-Friendly Tax Structure
a. Social Security & Retirement Income
- South Carolina does not tax Social Security benefits, and those 65+ can deduct up to $15,000 from other retirement income (pensions, IRAs, etc.).
b. Property Tax Benefits
- The state's effective property tax rate remains low (≈0.53%), with a $50,000 homestead exemption for seniors.
- Charleston County’s average property tax burden remains manageable—especially for retirees .
c. Other Tax Perks
- No estate or inheritance tax in South Carolina.
- Sales tax is moderate: 6% state plus up to 3% local adds—averaging around 9%.
4. Climate, Lifestyle & Recreation
- The subtropical climate offers mild winters and warm summers, averaging 230 sunny days annually.
- Outdoor lovers can enjoy walking tours, hiking, golf, boating, beaches, and gardens—Charleston’s lifestyle aligns perfectly with active retirement.
- A vibrant cultural scene includes festivals like Spoleto, numerous museums, and a strong foodie culture with award-winning restaurants.
5. Social & Community Engagement
- Charleston’s senior living communities include independent living, assisted living, and lifelong learning programs—like college auditing options for residents over 60.
- Rich cultural engagement offerings—clubs, arts, beach walks, fitness programs, and golf—keep retirees active and socially connected.
6. Considerations & Challenges
- Cost of living is above average: groceries +1%, utilities +20%, while healthcare is ~14% below national averages .
- Summer humidity and heat, with occasional hurricanes, may require adjustment .
- Higher sales tax and potential limited public transit mean you may need to drive more .
The Outlook: Why Charleston Will Keep Drawing Retirees in 2025
- Top-tier healthcare and senior living infrastructure ensure safety and convenience.
- Tax breaks mean retirees can keep more of their income and property investments.
- Soft climate and active lifestyle cater to both wellness and leisure.
- Cultural and social vibrancy fosters connection and ongoing engagement.
- Range of community options, from luxury coastal villages to lifelong learning programs.
Takeaway
Charleston blends healthcare quality, financial benefits, lifestyle amenities, and community in a coastal environment—creating an ideal setting for retirees who want both relaxation and engagement. While it’s not the lowest-cost retirement spot, its thoughtful balance of services, culture, and retirement-specific advantages make it a standout choice in 2025.
