Retire by stateFigures verified May 31, 2026

Retiring in Tennessee

Tennessee keeps your income tax-free. The cost is hot, humid summers and a real tornado season. You get lakes, mountains, and the most-visited national park in the country.

Could fit

You want to keep your full income with no state income tax, and you like having mountains, lakes, and live music close by.

Look closely at

Heat, humidity, spring tornadoes, or storm risk could become recurring planning stress.

$4,600/mo

Using the same $5,000 national monthly example, Tennessee comes out near $4,600 a month.

#14 of 50 for lowest everyday cost, using the same BEA index shown here.

U.S. avg 100
More affordablePricier

Tennessee runs about 8% below the national average on everyday prices.

103

Our index of how Tennessee's estimated annual hobby costs compare with the rest of the country.

#22 of 50 for lower estimated recreation cost, using the same hobby-cost model shown here.

U.S. avg 100
More affordablePricier

Tennessee's modeled hobby costs run about 3% above the national average. The modeled average is about $2,214 a year across the activity basket.

Est. Our own measure from 8 modeled hobbies. It uses published state fees where we have them, then adds recurring hobby assumptions like gear, trips, memberships, and upkeep. 100 = national average.

Find Tennessee in the ranking

The state lines the calculator actually changes.

Start here for the whole state picture. The quick math sits beside the things that change daily life: taxes, home costs, care costs, towns, weather, and what Tennessee actually feels like.

Tax and Medicare

Check the Tennessee income picture.

Estimate how Tennessee treats Social Security, pension income, IRA/401(k) withdrawals, city income tax, and Medicare premium tiers before you build the full journey.

Social Security

Not taxed

Pension

Not taxed

IRA / 401(k)

Not taxed

Compare states

Cost of living

$4,600/mo

Using the same $5,000 national monthly example, Tennessee prices translate to about $4,600 a month.

BEA Regional Price Parities

State income tax

None

Tennessee has no broad state income tax, but property tax, insurance, sales tax, vehicle costs, and local prices still belong in the plan. AARP lists Tennessee among states that do not tax IRA and 401(k) distributions in the summary used here.

Tax Foundation

Social Security

Not taxed

Tennessee does not tax Social Security benefits under the current state-tax summary used here.

AARP / IRS Pub. 915

Property tax

0.7%

Property tax is local, but the Tennessee state-level planning rate used here is 0.7% of home value. On a $350,000 home, that is about $2,300 a year before county detail.

Tax Foundation

Sales tax

9.6%

Tax Foundation puts Tennessee's 2026 average combined state and local sales tax near 9.6%, ranked 2 among states in that table.

Tax Foundation

Vehicle costs

Registration line

Vehicle costs still belong in the budget, but the vehicle-tax source used here does not flag Tennessee as a state where value-based vehicle property tax is the main planning issue.

FreeTaxUSA vehicle-tax guide

Tennessee tax note

Tennessee has no broad personal income tax after the Hall income tax repeal for tax periods beginning January 1, 2021, or later. Sales tax, property costs, and local housing still stay in the plan.

The care cliff, in Tennessee dollars.

CareScout and Genworth 2025 median costs, compared with the national median. Long-term care is a separate planning layer from ordinary Medicare costs.

Assisted living

$5,845/mo

About $70,140 a year, 6% lower than the national median.

Nursing home (semi-private)

$9,429/mo

About $113,150 a year, about the same as the national median.

Home caregiver

$5,911/mo

About $70,928 a year, 11% lower than the national median.

Full Tennessee long-term-care breakdown

What there is to do, with the sources.

How the things people retire for actually look in Tennessee. Each links to the full activity guide.

Fishing

Tennessee Wildlife Resources Agency licenses fishing on more than 19,000 miles of streams, rivers, and 35 major lakes and reservoirs across the state. Reelfoot Lake in the northwest, Dale Hollow Reservoir, and the Tennessee River impoundments are well-known for crappie, bass, and catfish. Residents 65 and older who have held a license for at least 25 consecutive years pay no fee for an annual license.

$421/yrEst.

Estimated annual hobby cost

One resident annual license, plus tackle, bait, simple access trips, and replacement gear.

No state-published fee is attached to this activity, so the estimate uses the recurring-cost assumption only.

Tennessee Wildlife Resources Agency - Fishing
Hiking & trails

Great Smoky Mountains National Park, the most visited national park in the country, offers paved accessible trails at Clingmans Dome and Laurel Falls alongside hundreds of miles of backcountry paths. Tennessee State Parks maintain paved walking loops and interpretive trails at dozens of facilities accessible to visitors of varying fitness levels.

$239/yrEst.

Estimated annual hobby cost

12 trail or park visits per year, plus footwear, basic gear, parking, and local travel.

Published input

Tennessee State Parks have no entrance fee; access to all 62 state parks is free

Tennessee State Parks - Frequently Asked Questions · as of 2026-06
Great Smoky Mountains National Park
Boating & water

The Tennessee Valley Authority manages 49 reservoirs across Tennessee with public boat ramps, marinas, and day-use areas. Cherokee Lake, Douglas Lake, Norris Lake, and Pickwick Landing State Park draw power boaters, anglers, and paddlers, and TVA publishes a free map of all public recreation areas on its reservoir system.

$4,337/yrEst.

Estimated annual hobby cost

A modest owned boat, including registration, insurance, storage, maintenance, fuel, and basic upkeep.

No state-published fee is attached to this activity, so the estimate uses the recurring-cost assumption only.

Tennessee Valley Authority - Recreation
Golf

Nashville Metro Parks operates several public golf facilities including Harpeth Hills Golf Course, set within Percy Warner Park. A Senior annual membership is available at $600 per year, and regular green fees at Metro courses are among the more affordable options in the region. Tennessee's mild climate allows golf from late February through November in most years.

$1,294/yrEst.

Estimated annual hobby cost

24 public rounds per year, plus equipment refresh, range balls, carts, and other course extras.

Published input

Weekday 18-hole greens fee at Shelby Golf Course (municipal, Nashville); rates vary by season and tee time

Published range: $34 to $44.

Nashville Metro Parks - Shelby Golf Course · as of 2025-04
Nashville.gov - Harpeth Hills Golf Course
Gardening

The University of Tennessee Extension Master Gardener program trains volunteers in all 95 Tennessee counties to provide community horticulture education. Tennessee's growing season spans from April through October in most areas, and the Cheekwood Estate and Gardens in Nashville and the Memphis Botanic Garden offer inspiration and public programs year-round.

$478/yrEst.

Estimated annual hobby cost

Seeds, soil, tools, replacement plants, water, and a modest home or community-garden setup.

No state-published fee is attached to this activity, so the estimate uses the recurring-cost assumption only.

UT Extension Master Gardener Program
Pickleball & tennis

Nashville, Memphis, Knoxville, and Chattanooga all have dedicated pickleball courts at public parks and recreation centers, with the Nashville Pickleball Club among the more active in the state. Many county parks departments throughout Tennessee have converted underused tennis courts for pickleball play to meet rising demand.

$520/yrEst.

Estimated annual hobby cost

30 court visits per year, plus paddle replacement, balls, league fees, and small club costs.

Published input

Open play drop-in at Centennial Sportsplex dedicated pickleball courts (Nashville); quick-start area $5/hr/court

Published range: $5 to $10.

Nashville.gov - Centennial Sportsplex Pickleball · as of 2026-03
Nashville Parks and Recreation
Arts & culture

Nashville's Grand Ole Opry, Country Music Hall of Fame, Frist Art Museum, and Tennessee Performing Arts Center serve as anchors of a vibrant cultural calendar. The Osher Lifelong Learning Institute at Vanderbilt University offers noncredit courses in arts, music, history, and more for adults 50 and older, and Memphis hosts the Brooks Museum of Art and Stax Museum of American Soul Music.

$322/yrEst.

Estimated annual hobby cost

8 museum, theater, or cultural visits per year, plus a modest membership or ticket budget.

Published input

Admission to the Tennessee State Museum is free for all visitors

Tennessee State Museum - Plan Your Visit · as of 2026-06
Osher Lifelong Learning Institute at Vanderbilt
Social & community

The Tennessee Commission on Aging and Disability coordinates nine Area Agencies on Aging that fund senior centers, nutrition sites, in-home support, and volunteer programs statewide. The Foster Grandparent and Senior Companion programs are active across the state, and many counties host Senior Games events each spring drawing hundreds of older adult participants.

$10,101/yrEst.

Estimated annual hobby cost

Senior-center, club, class, trip, or program costs beyond any published membership fee.

Published input

YMCA of Middle Tennessee senior individual monthly membership (age 65+); plus one-time $75 joining fee

YMCA of Middle Tennessee - Join · as of 2026-03
Tennessee Commission on Aging and Disability

What a week can look like.

Great Smoky Mountains National Park

The Great Smokies are the most-visited national park in the country. You get mountain views, waterfalls, and trails that run from short and flat to steep. Scenic drives and overlooks let you take it in without a long hike.

National Park Service

Lakes and water recreation

Tennessee is full of reservoirs and lakes, with fishing, boating, and lakeside towns that draw retirees. State parks along the water add easy trails and picnic areas.

Music and city life in Nashville and Memphis

Nashville and Memphis bring live music, museums, and a deep food scene. Smaller cities like Knoxville and Chattanooga have their own pull. Most venues and events are an easy day or evening out.

What can change the month.

No state income tax

Tennessee has no state income tax. Your Social Security, pension, and retirement withdrawals go untaxed by the state. The sales tax runs high, though, which eats into part of what you save.

AARP

Tornadoes and severe storms

Tennessee gets tornadoes and severe thunderstorms. The busy stretch is spring, with a second uptick in late fall. A safe room or basement plan and a weather radio are worth having.

A property tax freeze for some seniors

Tennessee runs a property tax freeze for homeowners 65 and older who meet local income limits. It can hold the tax on your home steady year to year. Not every county takes part, and you have to apply and qualify.

Tennessee Comptroller of the Treasury

What there is to do across Tennessee.

12 tracked categories across Tennessee. Each card opens the search filtered to that activity.

Upcoming events in Tennessee

See all events

Music & concerts

JUL17

8 PM

The Pinnacle - TN · Nashville, TN

Music & concerts

Vishal-Shekhar

The Pinnacle - TN

Music

Music & concerts

JUL17

8 PM

Exit/In · Nashville, TN

Music & concertsFrom $27.42

Midnight North

Exit/In

This event is 18 and over. Any ticket holder unable to present valid identification indicating that they are at least 18 years of age will not be admitted to this event, and will not be eligible for a refund. ALL PATRONS MUST BRING A VALID FORM OF IDENTIFICATION. NO RE - ENTRY ALL SALES FINAL

Music

Music & concerts

JUL17

7:30 PM

Turner Theater · Nashville, TN

Music & concerts

The Red Wheel - Cole Taylor, Paul Jenkins, Jordan Walker

Turner Theater

This one-of-a-kind songwriter series brings you closer to the music than you've ever been. On a rotating center stage, the writers behind some of country music's biggest hits perform the songs you know and love, and tell the stories behind how they came to be. Intimate seating. Exceptional talent...

MusicIndoors

Music & concerts

JUL17

8 PM

Ryman Auditorium · Nashville, TN

Music & concerts

Tori Amos: In Times of Dragons Tour

Ryman Auditorium

Music

Music & concerts

JUL17

8 PM

Exit/In · Nashville, TN

Music & concertsFrom $27.42

Midnight North

Exit/In

This event is 18 and over. Any ticket holder unable to present valid identification indicating that they are at least 18 years of age will not be admitted to this event, and will not be eligible for a refund. ALL PATRONS MUST BRING A VALID FORM OF IDENTIFICATION. NO RE - ENTRY ALL SALES FINAL

Music

Music & concerts

JUL17

8 PM

3rd and Lindsley · Nashville, TN

Music & concerts$19.90–$32.20

Jim Brown & Karen Waldrup with Ava Paige

3rd and Lindsley

Portion of the proceeds benefit Bridges For ParkinsonsProudly sponsored by Darrell Waltrip Honda

Music

Towns we have mapped in Tennessee.

Put Tennessee next to another state.

Compare cost of living, taxes, Social Security treatment, property and sales tax, and long-term-care costs side by side.

Retiring in Tennessee, answered.

Does Tennessee tax retirement income?

Tennessee does not tax Social Security benefits under the current state-tax summary used here. AARP lists Tennessee among states that do not tax IRA and 401(k) distributions in the summary used here. Tennessee has no broad state income tax, but property tax, insurance, sales tax, vehicle costs, and local prices still belong in the plan.

AARP: how states tax retirement income

Is Tennessee cheaper or more expensive than average?

BEA regional price parities put Tennessee about 8.1% below the U.S. average cost level. That price level is the first reason a national retirement number needs a Tennessee translation.

BEA Regional Price Parities

What does long-term care cost in Tennessee?

In the CareScout and Genworth 2025 medians, Tennessee assisted living runs about $70,140 a year (6% lower than the national median) and a semi-private nursing-home room about $113,150 a year (about the same as the national median).

CareScout / Genworth Cost of Care

Which towns in Tennessee have a retirement guide?

Tennessee has 4 researched town guides: Chattanooga, Knoxville, Memphis, Nashville. Each one breaks down local costs, services, and things to do.

Does Tennessee tax retirement income?

No. Tennessee has no state income tax, so your Social Security, pension, and retirement account withdrawals stay untaxed. The state leans on a high sales tax instead.

AARP

See what Tennessee does to your retirement plan.

Enter your real spending, income, home, and dreams. The planner applies the Tennessee tax and cost assumptions for you, then shows the years the money has to last.

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