Florida's Out, Georgia's IN: Why Retirees Are SKIPPING the Sunshine State

For decades, Florida has been the go-to retirement destination — beaches, sunshine, and no state income tax. But recently, retirees are beginning to look elsewhere, and Georgia has emerged as a strong contender. With its unique mix of financial benefits, seasonal weather, and lifestyle variety, North Georgia is quickly becoming one of the top retirement spots in the country.

Tax Benefits That Attract Retirees

One of Georgia’s biggest draws is its senior property tax exemptions. Many counties reduce or completely remove the school tax portion of property taxes for residents over a certain age, typically 62 or 65. This can cut a property tax bill by as much as 60%, saving retirees thousands each year. While the exemptions vary by county, the savings are a major advantage compared to Florida.

Lower Insurance Costs

Florida homeowners often face sky-high insurance premiums, especially in hurricane-prone areas. In fact, reports show that 1 in 5 homeowners in Florida go without insurance because it’s unaffordable or unavailable. Georgia, on the other hand, has far fewer natural disaster risks. Hurricanes are not a concern in North Georgia, and flood zones are rare, making insurance more affordable and reliable.

Housing and Lifestyle Differences

Home prices depend on location, but Georgia often provides more value for the money. Whether it’s a lakefront home on Lake Lanier, a suburban house with a finished basement, or a cozy property in the mountains, retirees find a wide variety of housing options. Many appreciate the charm of brick homes and hardwood floors over Florida’s stucco and tile.

Basements are especially popular in North Georgia, providing flexible space for hobbies, gyms, movie rooms, or storage — something Florida’s flat terrain rarely allows.

Weather: The Best of Both Worlds

While Florida offers endless warmth, it also brings hurricanes and relentless humidity. North Georgia strikes a balance — hot summers with temperatures in the 80s and 90s, paired with mild winters that rarely see snow. Retirees from the Northeast and Midwest especially enjoy this seasonal variety, which feels more like “home” during the holidays while still avoiding extreme cold.

Retirement Communities and HOAs

Florida is known for its massive master-planned developments, some with thousands of homes and built-in shopping centers. Georgia offers a slightly different pace. Many 55+ communities are smaller and located near hospitals, restaurants, and shopping. HOA fees are also significantly lower — averaging $500 to $750 per year in traditional neighborhoods, compared to Florida’s monthly rates. Even luxury 55+ communities with extensive amenities typically cost between $2,500 and $3,000 annually.

For those seeking peace and independence, Georgia also has plenty of small neighborhoods or properties with no HOA at all.

Lifestyle and Diversity

One of Georgia’s biggest appeals is its lifestyle diversity. From vibrant, upscale cities like Alpharetta filled with shops, dining, and cultural attractions, to quieter towns like Dawsonville with wooded lots and mountain access, there’s truly something for everyone.

Retirees can enjoy lakes, hiking, pickleball, and tennis, or simply relax in charming communities surrounded by pine trees and rolling hills. And while beaches aren’t right outside your door, Florida’s panhandle is just a few hours’ drive away.

Another major perk is proximity to Hartsfield-Jackson Atlanta International Airport, one of the busiest airports in the world. Retirees who want to travel or stay connected with family across the country can easily find direct flights.

KeyPoint

Florida may always hold its spot as the “classic” retirement destination, but Georgia is proving to be an attractive alternative. With tax breaks, lower insurance costs, affordable HOAs, diverse communities, and a climate that balances all four seasons, it’s easy to see why so many retirees are skipping the Sunshine State.

For those looking to retire in comfort — without the financial and environmental stresses of Florida — Georgia just might be the perfect place to call home.