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I’m 66, get $26,300 a year in Social Security and want to live in a small city by the ocean — so where should I retire?

by 198indonesianews_v2w0tn
August 27, 2021
in INDONESIA USA TRADE NEWS
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I’m 66, single, and hoping to retire quickly. I presently dwell in Connecticut, the place taxes are fairly excessive, and am on the lookout for a inexpensive place that can be hotter.

I’ve money belongings of about $900,000 and one other possibly $200,000 in fairness in my home (however I would wish to preserve the home for rental revenue). I’d like my major supply of retirement revenue to be my Social Safety of about $26,300 a yr.

I wish to journey, so I don’t need to spend so much on housing, and I would love a small metropolis, not more than half-hour from the Atlantic Ocean. I’d additionally like a metropolis that’s two hours or much less by automotive from a world airport. It will be nice if the town has a school or college and/or a blended inhabitants together with retirees. Any nice concepts?

Thanks,
MAM
—————————————————————————————————————————Pricey MAM,

You’re a part of a giant pattern: People getting the heck out of the Northeast for cheaper living and warmer weather — lots of them to the South. And whereas the South has its downsides, like sweltering summers, you’ll definitely be capable to discover a decreased value of dwelling, principally delicate climate for a lot of months of the yr, and loads of good meals and tradition.

That mentioned, it might be a little bit of a wrestle to dwell solely in your Social Safety — at the very least if you’d like a compelling metropolis proper by the coast. However if you happen to’re additionally getting some rental revenue from your private home, it is best to be capable to do it, whereas additionally utilizing a few of your financial savings for journey. With that in thoughts, listed here are some inexpensive spots close to the ocean that ought to meet most of your standards.

Palm Coast, Fla.

A pair partitions alongside a seashore in Florida close to Palm Coast.


iStock

Nestled between St. Augustine and Daytona Seashore, this under-the-radar Florida retirement spot — which sits on 70-plus miles of canals and the Intracoastal Waterway — proves that “Florida nonetheless could be a reasonable place to dwell,” Annette Fuller, the editor of Where to Retire magazine, tells MarketWatch.

The price of dwelling is roughly common for the U.S. Median properties in Palm Coast value round $215,000 (with property taxes which are decrease than common for the U.S.), and the median lease for a one-bedroom house is below $1,000, according to Sperling’s Best Places. (Fuller provides that there’s “plenty of active-adult housing” within the area.) One other perk in Florida: You’ll keep away from revenue tax.

Residents typically come to the world for the Atlantic seashores, however in Palm Coast they discover plenty of out of doors actions, too, together with “tennis, golf, pickleball and even croquet,” Fuller says. Palm Coast has greater than 125 miles of strolling and biking paths, in addition to fishing and boating. And chicken watching can be common right here, particularly at St. Joe Walkway and Linear Park.

Associated:People who live on the coast are typically happier than those who don’t

Different issues to examine off your listing: There are plenty of fellow retirees here, and you may get to the Daytona Worldwide Airport in slightly over a half-hour by automotive.

Now for some downsides: Summers are scorching and humid, there’s a threat of hurricanes, and a few residents complain in regards to the fast development and sprawl of the world. Plus, if you wish to reduce prices additional, there are cheaper locations to retire within the Sunshine State (particularly if you happen to’re keen to look inland).

By the numbers:
Inhabitants: 82,350
January low/July excessive: 45°F/90°F
Supply: Sperling’s Greatest Locations

——————————————————————————————————————Summerville, S.C.

Close by Charleston is a draw for residents of Summerville, S.C.


iStock

This small metropolis roughly 25 miles from Charleston just lately landed on Forbes’ listing of the best places to retire, with the publication highlighting its delicate winters, above-average air high quality, low charge of great crimes and “ample physicians per capita.”

What’s extra, it’s inexpensive: The price of dwelling is “at nationwide common,” Forbes notes, and Social Safety revenue shouldn’t be taxed in South Carolina. A median dwelling can be had for about $215,000, with property taxes decrease than the U.S. common. Lease for a one-bedroom house averages below $1,000 a month.

Summerville is notable for its greenery. Its streets are lined with attractive azaleas and towering pines. It’s additionally bursting with historical past: A part of the city is on the Nationwide Register of Historic Locations. And it’s received loads of that Southern taste to go round: Summerville claims to be the birthplace of candy tea, and Southern Living recently wrote of it: “One of the best two locations on this planet to take pleasure in candy tea this summer time are: 1. Your entrance porch; and a pair of. Summerville, South Carolina.” Plus, you’re near Charleston, which is famend for its wonderful meals and strong tradition, has a world airport and is a school city.

The most important draw back for you could be that you just’re slightly over your required half-hour from the favored Atlantic Ocean seashores (for instance, Folly Seashore is a few 45-minute drive from Summerville). However possibly the proximity to Charleston and the relative affordability of Summerville make up for that.

By the numbers:
Inhabitants: 49,000
January low/July excessive: 35°F/90°F
Supply: Sperling’s Greatest Locations

———————————————————————————————————————Brunswick, Ga., space

A house in Brunswick.


iStock

Whereas St. Simon’s, Jekyll Island and Sea Island (which make up the so-called Golden Isles) garner a lot of the consideration within the space, Brunswick — the mainland gateway to these islands — provides you entry to their wonderful seashores at a fraction of the fee. The price of dwelling is considerably beneath common for the U.S., with the median dwelling available for lower than $140,000. Social Safety revenue is exempt from Georgia’s state revenue tax.

Downtown Brunswick is understood for its historic Victorian-era structure (it was named a Essential Road Metropolis by the Nationwide Belief for Historic Preservation) and has more than a dozen historic squares. Plus, you’ll discover a smattering of native retailers, artwork galleries, eating places and extra on this city of roughly 16,000 folks — in addition to performances on the historic Ritz Theatre.

Out of doors actions like chicken watching are massive right here, as Brunswick is surrounded by saltwater marshes. And the Golden Isles are famend for golf and miles of seashores. Plus, the Golden Isles have a singular vibe — a “mix of ritual and down-home ease,” Travel & Leisure writes. And Where to Retire magazine, which listed Brunswick/Golden Isles amongst its where-to-retire picks, writes of the world: “In contrast to typical touristy East Coach seashore cities, Georgia’s Brunswick and the Golden Isles are extra sedate, with a give attention to preservation.”

Brunswick can be a school city — the College of Coastal Georgia is here — that’s roughly an hour from Jacksonville, Fla., which has a world airport; and there’s a hospital on the town (the Southeast Georgia Health System).

One draw back is that crime right here is increased than common (though there are statistically safer neighborhoods and towns in the area to live in, as you can see from this map).

By the numbers:
Inhabitants: 16,000
January low/July excessive: 42°F/91°F
Supply: Sperling’s Greatest Place

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