South Carolina's Appeal to Seniors
South Carolina is a prime destination for retirees and older adults, and demographic trends confirm its growing popularity. By 2030, the U.S. Census Bureau projects that over a quarter of the state's population will be aged 60 and older. The state's low cost of living, favorable tax policies for retirees, and diverse geography contribute to its broad appeal. Understanding where these seniors are settling provides valuable insight for those considering a move or planning for their future. The choices are often split between the relaxed coastal lowcountry, the vibrant inland metropolitan hubs, and the scenic upstate.
The Coastal Lowcountry: Sun, Sand, and Community
The coastal region is arguably the most recognized retirement destination in South Carolina. The draw is undeniable, with mild winters, miles of beaches, and a wide array of leisure activities. Cities in this area boast significant senior populations and robust retirement communities.
Myrtle Beach, for example, is experiencing rapid growth in its senior population, with a 22% rise between 2020 and 2023 for adults 65+. It offers a lower cost of living compared to more exclusive coastal towns and provides ample access to championship golf courses, arts centers, and extensive senior programming. The area's appeal is bolstered by reliable healthcare systems, including Grand Strand and Tidelands Health.
Similarly, the Hilton Head Island and Bluffton area is a well-established senior hub. The state's largest age-restricted community, Sun City Hilton Head, is a testament to the area's popularity. Beaufort, another picturesque coastal town, is also a favored choice for its historic charm and seaside atmosphere. The proximity to beaches, fishing, and boating activities makes these areas highly desirable.
The Urban Appeal: Metropolitan Areas for an Active Lifestyle
For seniors who prefer a more urban or suburban setting with cultural amenities, South Carolina's metropolitan areas offer a compelling alternative. Cities like Greenville, Charleston, and Columbia each offer a unique blend of city life and accessibility.
Greenville, nestled in the scenic Upstate, is attracting retirees with its revitalized downtown, pleasant weather, and proximity to the Blue Ridge Mountains. The city provides a range of activities, including live theater, museums, and natural attractions. While the coastal cities offer seaside recreation, Greenville is ideal for those who enjoy hiking, mountain vistas, and a more temperate climate.
Charleston is a top-ranked city for retirees, celebrated for its rich history, architecture, and mild climate. It offers a bustling cultural scene, top-tier dining, and easy access to nearby islands. Mount Pleasant, a suburb of Charleston, also appeals to seniors with its mix of small-town comfort and big-city amenities.
Columbia, as the state capital, provides college-town amenities, lifelong learning opportunities, and a central location that draws many seniors. Its diverse offerings make it a strong option for those who want access to city services and cultural events without the coastal or mountain price tag.
Where Seniors Are Living: A County-by-County Perspective
By analyzing data from the National Institutes of Health, we can pinpoint which counties have the highest percentage of residents aged 65 and older. This provides a more granular view beyond just popular cities.
- McCormick County: At 37.8%, McCormick has one of the highest concentrations of seniors in the state.
- Georgetown County: This coastal county, home to the historic city of the same name, sees 29.8% of its population aged 65+.
- Beaufort County: Home to Hilton Head and Bluffton, this county has a senior population comprising 27.9% of its residents.
- Horry County: The location of Myrtle Beach and surrounding communities, this county's senior population is 25.7% of its total.
- Clarendon County: Located in the central part of the state, this county's senior population stands at 24.4%.
- Oconee County: In the state's Upstate region, Oconee's senior percentage is 24.2%.
- Calhoun County: This midlands county has 24.1% of its population aged 65+.
Regional Comparison: Coastal vs. Upstate vs. Midlands
Choosing a region to retire in South Carolina depends on individual priorities regarding cost, climate, and lifestyle. The following table provides a quick comparison to aid in decision-making.
| Feature | Coastal Lowcountry | Upstate (Greenville/Spartanburg) | Midlands (Columbia/Aiken) |
|---|---|---|---|
| Climate | Warm, humid summers; mild winters; susceptible to hurricanes. | Mild, four-season climate; cooler summers; less severe weather. | Hot, humid summers; mild winters; centrally located. |
| Cost of Living | Varies significantly; higher in exclusive areas like Hilton Head, lower in Myrtle Beach. | Often lower than coastal areas; generally affordable. | Generally affordable, with options for various budgets. |
| Taxes | Favorable for retirees across the state, with no tax on Social Security benefits. | Same statewide tax benefits apply. | Same statewide tax benefits apply. |
| Healthcare | Strong networks with multiple hospital systems serving coastal areas. | Reputable healthcare facilities, particularly in Greenville. | Good healthcare access, especially in the capital area. |
| Lifestyle | Beach-centric, golf, boating, tourism; can be crowded seasonally. | Outdoor activities, mountains, vibrant downtowns, cultural events. | City amenities, historical sites, proximity to lakes and nature. |
Factors Driving Senior Location Choices
While South Carolina's overall appeal is strong, specific factors guide seniors' choices of where to live. An authoritative resource on senior living trends is the South Carolina Department on Aging, which provides valuable information on local services and planning.
- Favorable Tax Environment: The absence of state income tax on Social Security benefits is a major draw. The state also offers significant deductions on other types of retirement income and has low property tax rates, further stretching retirement budgets.
- Healthcare Access: Access to quality healthcare facilities and specialists is a priority. South Carolina has many reputable healthcare systems, particularly in the metropolitan areas and near large senior communities.
- Lifestyle and Amenities: Modern seniors are active and look for environments that support a healthy and engaged lifestyle. This includes access to social programs, recreation, and cultural activities, whether they prefer coastal life, city culture, or mountain landscapes.
- Cost of Living: Affordability is a major consideration. South Carolina's overall lower cost of living compared to many other states allows for a more comfortable retirement, though costs can vary by region.
Conclusion
So, where do most seniors live in SC? The answer lies in a mix of factors, but trends point towards the coastal lowcountry and key metropolitan areas. The coastal regions like Myrtle Beach, Hilton Head, and Charleston offer a beach-focused, leisurely lifestyle. Meanwhile, upstate cities like Greenville attract those seeking a more mountainous, four-season environment. Regardless of the region, seniors are drawn to South Carolina for its attractive tax policies, accessible healthcare, and a broad range of lifestyle options. The state's appeal continues to grow, with more older adults choosing to call the Palmetto State home.
For more information on programs and resources for older adults in the state, visit the official SC Department on Aging.
