When you’re planning for retirement, one of the smartest moves you can make is choosing a place where your money goes further — especially if Social Security is your primary source of income. With the average monthly Social Security check at $1,976 for individuals or $3,014 for couples, it’s important to find a community that offers both affordability and a good quality of life.
That’s where Tennessee shines. Thanks to its lack of state income tax, moderate weather, and a mix of vibrant and quiet towns, the Volunteer State offers excellent options for retirees who want to stretch their dollars without sacrificing comfort or lifestyle.
Here are 10 Tennessee towns where living on Social Security is not only possible — it’s enjoyable.
1. Clarksville
- Average Rent: $1,091
- Median Home Price: $304,551
- Cost of Living: 10% below the national average
Clarksville sits along the Cumberland River, just an hour from Nashville. With a population of 180,000, it’s a bustling city with small-town charm. Austin Peay State University adds a youthful vibe and offers discounted classes for seniors. It’s a great pick if you want affordability and access to higher education.
2. Cleveland
- Average Rent: $1,023
- Median Home Price: $294,126
- Cost of Living: 17% below the national average
Nestled near the Georgia border, Cleveland combines Southern hospitality with affordability. Outdoor enthusiasts love its proximity to the Cherokee National Forest, and with nearly one in five residents aged 65 or older, retirees will find a strong sense of community.
3. Crossville
- Average Rent: $773
- Median Home Price: $292,242
- Cost of Living: 11% below the national average
Known as the “Golf Capital of Tennessee,” Crossville is perfect for retirees who enjoy staying active. With nine golf courses nearby and easy access to hiking, it’s a paradise for nature lovers. Healthcare and daily essentials are also affordable here.
4. Dyersburg
- Average Rent: $559
- Median Home Price: $152,594
- Cost of Living: 10% below the national average
Dyersburg offers a relaxed lifestyle with historic charm. Located on the Forked Deer River and just 80 miles from Memphis, it provides small-town tranquility with big-city access. With some of the lowest housing and healthcare costs in the state, it’s a hidden gem for retirees.
5. Johnson City
- Average Rent: $990
- Median Home Price: $279,301
- Cost of Living: 4% below the national average
Set in the Appalachian Highlands, Johnson City blends mountain serenity with a vibrant downtown scene. Anchored by East Tennessee State University, this town supports an active retirement lifestyle with hiking, festivals, and local boutiques.
6. Kingsport
- Average Rent: $986
- Median Home Price: $241,090
- Cost of Living: 17% below the national average
Kingsport is a favorite among retirees — and for good reason. Nearly 25% of the population is over 65, and its award-winning senior center offers everything from classes to social events. With low transportation and housing costs, it’s a practical and lively place to retire.
7. La Follette
- Average Rent: $307
- Median Home Price: $213,103
- Cost of Living: 10% below the national average
This cozy mountain town near Norris Lake offers natural beauty and peaceful living. With Knoxville only 40 miles away, you get the best of both worlds: quiet country living and easy access to city amenities. La Follette also boasts the lowest average rent on this list.
8. Memphis
- Average Rent: $1,035
- Median Home Price: $144,131
- Cost of Living: 10% below the national average
If you crave culture, music, and food, Memphis is a great choice. With its deep musical roots, world-class BBQ, and vibrant arts scene, there’s never a dull moment. It’s also surprisingly affordable, with quality healthcare and a wealth of services for older adults.
9. Paris
- Average Rent: $451
- Median Home Price: $187,843
- Cost of Living: 10.8% below the national average
Yes, this small Tennessee town has its own Eiffel Tower! But beyond the fun, Paris offers a great culinary scene, arts programs, and a welcoming atmosphere. It’s a quiet, friendly place where your money goes a long way.
10. Union City
- Average Rent: $649
- Median Home Price: $140,241
- Cost of Living: 13% below the national average
Close to the Kentucky border, Union City is perfect for those looking for a quiet, tight-knit community. More than 16% of the population is retirement-aged, and essential services are both available and affordable.
Final Thoughts
Retiring on Social Security alone might seem like a challenge, but in the right place, it’s entirely possible — even enjoyable. These Tennessee towns offer low living costs, friendly communities, and the kind of lifestyle that makes retirement feel like a reward, not a restriction.
Whether you’re into music, mountains, golf, or small-town peace, you’ll find your perfect fit in Tennessee — and still have money left over to enjoy it.
