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Tennessee: Possible Retirement Location?

sfwilshire

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This is an awful place to live. Tell all your friends not to even THINK about retiring here! ;)

We seem to be inundated with new people discovering the quality of life here. I don't mind the new neighbors so much, but it kills me when they move to the country and then immediately start trying to make it look like town. If you like town, stay in town. Sorry. Just had to get that off my chest. :wave:

In answer to the question above, it's not the heat, it's the humidity. Just in the 80s yesterday but we were all very sweaty sitting around in the shade at Dollywood. Bluegrass and BBQ!

Sheila
 

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Define "real hot." :D Serious, as they say, its a dry heat. Our humidity yesterday was 6%. A lot more comfortable than the 80%+ many places have in the summer. There are many adjustments you have to make to the lack of humidity, but drink a lot of water (not beer, not soda pop), moisturize and you'll do fine.

The hot weather is only three or four months. It is not that hot in the spring, fall, and winter. Spring and fall are delightful. Winter is sometimes cold (to me) and windy.

Fern

Doesn't it get real hot there in the summer?
 

Fern Modena

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I agree about people moving somewhere and then starting every sentence with "back home we..." and trying to make *here* like "back home." We like the way we are, and why did you move here if you like "back home" so much? Drives me nuts.

Fern

This is an awful place to live. Tell all your friends not to even THINK about retiring here! ;)

We seem to be inundated with new people discovering the quality of life here. I don't mind the new neighbors so much, but it kills me when they move to the country and then immediately start trying to make it look like town. If you like town, stay in town. Sorry. Just had to get that off my chest. :wave:

In answer to the question above, it's not the heat, it's the humidity. Just in the 80s yesterday but we were all very sweaty sitting around in the shade at Dollywood. Bluegrass and BBQ!

Sheila
 

rapmarks

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someone from Pennsylvania mentioned some kind of tax and i can't remember what it was, but it seemed really high and something I hadn't heard of, like on bank accounts any pennsylvanians can enlighten me?
 
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someone from Pennsylvania mentioned some kind of tax and i can't remember what it was, but it seemed really high and something I hadn't heard of, like on bank accounts any pennsylvanians can enlighten me?

...lived here for most of my life, and I am not aware of anything like that.

PA sales tax - 6% grocery & clothing exempt (7% in Pittsburgh & Philadelphia w/additional 1% Regional Asset Tax applied)

PA state income tax - 3.2% (retirement income exempt / no capital loss offset on gains)

Most local income tax is 1% on earned income only.

PA inheritance tax - 4% for immediate family succession / 6% for extended & non-family.
 

VacationForever

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Add to what Fern Modena has said... Southern Nevada has all the pluses and very few minuses. Henderson NV is listed amongst the top in the US for 1) Safest city 2) Lowest crime 3) Lowest fatal accidents 4) Lowest taxes... and I will add one more "5) Nicest people ;)"

The temperature is very similar to where I currently live in CA. Dryness is the only downside. Moisturize, drink lots of liquid and use a nasal saline spray if you have sensitive nose like me to avoid nose bleed. Plus the place that we bought is very scenic (Hint: it has a lake and mountains).
 

rapmarks

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...lived here for most of my life, and I am not aware of anything like that.

PA sales tax - 6% grocery & clothing exempt (7% in Pittsburgh & Philadelphia w/additional 1% Regional Asset Tax applied)

PA state income tax - 3.2% (retirement income exempt / no capital loss offset on gains)

Most local income tax is 1% on earned income only.

PA inheritance tax - 4% for immediate family succession / 6% for extended & non-family.
maybe it was inheritance tax, is the 4$ on every bit of it or is a certain amount exempt.
 

hjtug

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...lived here for most of my life, and I am not aware of anything like that.

PA sales tax - 6% grocery & clothing exempt (7% in Pittsburgh & Philadelphia w/additional 1% Regional Asset Tax applied)

PA state income tax - 3.2% (retirement income exempt / no capital loss offset on gains)

Most local income tax is 1% on earned income only.

PA inheritance tax - 4% for immediate family succession / 6% for extended & non-family.

Someone mentioned to me something about a school tax in PA. Is that just the real estate tax?
 

hvsteve1

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OK, I'm back from vacation and found this discussion so here's the real scoop on retiring to Tennessee from someone who did it.

Six years ago we moved to Crossville, TN from upstate New York. At the time, "Where To Retire Magazine" listed Crossville as the number one budget retirement area in the United States.

Many other areas are rated above ours as best to retire, but they have high taxes or bad winters or hot summers but they had universities, theater, culture, etc. The heck with that. I want low cost of living and a quiet lifestyle.

Crossville is on the Cumberland Plateau which means it is cooler and less humid than most of the state. The other thing to know about this area is most of the people with whom you will interact are retirees like you as they tend to get more involved in the community than the locals.

Because of the lack of zoning codes as compared to other states, your safest bet for a retirement home is in one of the planned communities. The largest of these is Fairfield Glade which has a large Wyndham timeshare and several thousand other residents. While the timeshare means you will run into visiting families at your amenities, it also means Wyndham makes sure the amenities are top rate. There are 7 lakes and four golf courses along with two beaches and marinas, indoor and outdoor pools, tennis, a big rec center, etc. The full time residents have a lot of clubs and organizations and have a real sense of community with neighborhood cookouts, concerts etc.

We live in the small, more rural feeling Lake Tansi Village. We have a smaller timeshare, Hiawatha 1 and 2. Tansi is the largest lake in this part of Tennessee. We live on a smaller one. Let me tell you, when I sit in my good sized home looking out on my boat docked on the lake, I think I would have to be a millionaire to have retired like this in New York. We have more real friends here than we ever had in New York. People seem to care a lot more about friends and neighbors than in other places.

So far as cost of living. The big item is property taxes. We reduced our property taxes ninety percent by moving here. And that is on a house of about the same value though much newer, on larger property and a lake. Regarding the sales tax, it works out about the same as New York, so the undesirability of the sales tax depends on if you are coming from a state with a high sales tax (NY) or no sales tax (NH). Yes, they tax groceries, but it's not as bad as it seems. It bothered me at first until I realized that, although NY didn't tax groceries, the food is only a portion of my supermarket shopping. In NY I paid tax on soft drinks, detergents, prepared foods, paper goods,etc. which were probably half my shopping bill anyway. At least here Kroger gives seniors 5 percent off their entire bill on Wednesday which pretty much takes care of the extra sales tax. There's no tax on income but they do tax investments with certain limits for seniors.

When we moved here, I told my wife I wasn't going to spend my retirement working outdoors (which I've always hated, anyway) so we hired a professional landscaper to do mowing, edging, weed wacking, etc. It costs us about $100 per month for about six months out of the year (no snowplowing needed in winter). We pay a few hundred dollars for extras like putting down mulch in the spring, etc. The economy here is such that you can find competent people to do indoor or outdoor work for $12 an hour, even with insured contractors.

So far as things to do: We have one of the best new libraries you will ever see in a small town with films, concerts and children's events going on constantly, a rehabilitated theater downtown with a busy schedule of live events for as much as $15 a ticket or as little as free, an new outdoor amphitheater which is putting on two free concerts per week, a ten screen multiplex with great seating and low ticket prices and the area's pride and joy, the Cumberland County Playhouse which has two live professional productions going constantly and is one of the most highly regarded regional theaters in the country.

We are about an hour from Knoxville and one of the best shopping areas you will ever see along with better restaurants, more professional theater and, of course, the University of Tennessee with their college sporting events. Gatlinburg and the Smoky Mountains are a day trip. Nashville is about two hours and don't get me started on what's there.

So far as the general location, one reason our area is so popular is it is a daylong drive from about two thirds of the country. Most of our retirees are from the Chicago or Michigan areas as it's easy to drive home to family but there are those from the Northeast and Florida.

As the start of this topic was about retiring to Tennessee, I thought I would give input from someone who has.
 

Iwant2gonow

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Thanks Steve what a thoughtful reply!
Presently I am vacationing and checking out the Hilton Head area as a possible retirement location. A lot of the amenities that you mention are offered here too.
You have renewed my excitement about visiting Tennessee next year! :whoopie:
Thanks again for your great reply!!
Terrie
 

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We are very familiar with the Crossville area. It is very important that you visit this area before you retire. This is a small town with a rural feel.. If you are looking for close proximity to things a larger metropoplitan area has to offer, this is not it. There are some lakes in the area, but I do not find this area particularly appealing from a terrain perspective.
 

rapmarks

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two or three couples in our subdivision in florida have built a second home in Crossville and go for the summer and fall
 

lizap

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Its definitely cooler there in the summer than Florida, and there are several retirement communities nearby. We always though we wanted to retire in TN; after several trips there, have decided on the area near Asheville. The Asheville area has drop dead gorgeous scenery, culture, and conveniences of a moderate size metropolitan area. But, you will pay state income taxes... We really wanted to like TN , but, for the most part, it simply doesn't have the beauty and sophistication of the Asheville area.


two or three couples in our subdivision in florida have built a second home in Crossville and go for the summer and fall
 
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Iwant2gonow

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Its definitely cooler there in the summer than Florida, and there are several retirement communities nearby. We always though we wanted to retire in TN; after several trips there, have decided on the area near Asheville. The Asheville area has drop dead gorgeous scenery, culture, and conveniences of a moderate size metropolitan area. But, you will pay state income taxes... We really wanted to like TN , but, for the most part, it simply doesn't have the beauty and sophistication of the Asheville area.

Lizap is it Ashville itself where you intend to retire or an area outside of Ashville? I'm curious about the exact name in case we decide to have a look at the area. Thanks
 

ride2slide

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hvsteve1, How is the healthcare in the Crossville area? Also what big box stores are there? I'm coming that way in August to check it out for a possible retirement location. Are there recreational golf cart trails thru the planned communities or just around the courses themselves?
 

hvsteve1

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Big box stores....Walmart. There is also a small outlet mall. Cookeville, about 40 minutes, has a lot more shopping and regular malls. Turkey Creek, on the edge of Knoxville, is a shopper's heaven. It is one of the new style of shopping centers set up as a serious of strip malls that goes on for more than a mile with many mall brand stores accounted for, along with a lot of restaurants of all types. http://turkeycreekshopping.com/

Healthcare is decent to world class, depending on how far you are willing to travel. The local hospital was recently purchased by Covenant Health and is upgrading care. The two big medical groups in town are affiliated with that hospital and Covenant. Cookeville, about 40 minutes down the interstate, has an outstanding hospital with many doctors and services affiliated with the famous Vanderbilt University Medical Center in Nashville. Knoxville, about an hour away, has some very good hospitals and medical groups.

Fairfield Glade is rather hilly, though the central area is mostly level. There is one course in the central area but most of the others are on top of the hills. I guess you could ride a cart around if you wanted, but you could be traveling a mile or two uphill to get to a course. Lake Tansi, the other major resort community, is more level and some people use carts if they're not too far from the course. Neither place has golf cart trails similar to Sun City or other such resorts.
 

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Where do I begin... I cannot say enough wonderful things about Asheville and the surrounding area. We have been visiting this area for 25+ years. It is one of the most beautiful areas in the U.S. if you like mountain-type scenery, IMO. We're approaching retirement, and are seriously considering retiring in the Hendersonville area, which is about 25 miles South of Asheville. Hendersonville has mountains near town, but not downtown. Hendersonville is a beautiful small town (approx. 17,000 people). Waynesville, west of Asheville, is more mountainous, and has more of a small 'mountain town' feel. Terrain-wise, I find it more interesting than Hendersonville, but much less quaint. If we were not looking to retire 'in the mountains', we'd choose Asheville (downtown) in a minute. Asheville is progressive and quirky, in a good way. Great shops, restaurants, a university etc... An added bonus to Asheville is the proximity to the Great Smoky Mountains and Greenville, SC., which is about an hour south. Greenville has a stunning downtown district with quaint shops and restaurants, and is more conservative than Asheville. You may want to consider the weather in your decision; Asheville has more snow than most areas in the South (due to its elevation), Hendersonville has less, and Crossville even less.

Lizap is it Ashville itself where you intend to retire or an area outside of Ashville? I'm curious about the exact name in case we decide to have a look at the area. Thanks
 
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lizap

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Like Steve said, Knoxville is roughly an hour's drive from Crossville. This is a heavily travelled route as most people (and trucks) travelling up East pass through here, and the interstate is often quite congested. Also, Knoxville is known for poor air quality, resulting in part from all this heavy traffic. Cookeville, west of Crossville, is still a relatively small town, with a few more conveniences. Cookeville has good healthcare, but to get the best health care, you're going to have to travel to Nashville or Knoxville (just my opinion)..

Big box stores....Walmart. There is also a small outlet mall. Cookeville, about 40 minutes, has a lot more shopping and regular malls. Turkey Creek, on the edge of Knoxville, is a shopper's heaven. It is one of the new style of shopping centers set up as a serious of strip malls that goes on for more than a mile with many mall brand stores accounted for, along with a lot of restaurants of all types. http://turkeycreekshopping.com/

Healthcare is decent to world class, depending on how far you are willing to travel. The local hospital was recently purchased by Covenant Health and is upgrading care. The two big medical groups in town are affiliated with that hospital and Covenant. Cookeville, about 40 minutes down the interstate, has an outstanding hospital with many doctors and services affiliated with the famous Vanderbilt University Medical Center in Nashville. Knoxville, about an hour away, has some very good hospitals and medical groups.

Fairfield Glade is rather hilly, though the central area is mostly level. There is one course in the central area but most of the others are on top of the hills. I guess you could ride a cart around if you wanted, but you could be traveling a mile or two uphill to get to a course. Lake Tansi, the other major resort community, is more level and some people use carts if they're not too far from the course. Neither place has golf cart trails similar to Sun City or other such resorts.
 
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Iwant2gonow

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I started a 24 hour hold on a late Oct Nashville Week yesterday

I canceled my search for a week next summer on Nashville thinking it might be too hot so I did a search for this fall and placed a hold on Oct 25 through Nov1 2014.
I'm thinking there might be more to do in Sept or early October and that I should just wait and make an ongoing search for fall 2015. Having never been there I'm not sure.
Looking for some input.
 

lizap

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This is very good time to visit the Nashville area. Hopefully you will see some leaf color. Do try to get down to Franklin, about 20 miles south of Nashville. If I was going to live in the Nashville area, it would be near Franklin. Franklin is one of the most beautiful small towns in America. A number of country music singers live in or near Franklin.

I canceled my search for a week next summer on Nashville thinking it might be too hot so I did a search for this fall and placed a hold on Oct 25 through Nov1 2014.
I'm thinking there might be more to do in Sept or early October and that I should just wait and make an ongoing search for fall 2015. Having never been there I'm not sure.
Looking for some input.
 
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Lisa P

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Having lived in the area around Asheville since moving from CT in 1997, perhaps I could add a few comments to round out Lizap's thoughtful posts. We do absolutely love this region and we plan to stay here when we retire. But there are many people who move here and leave a year or two later. Different strokes.

The most common complaints that I've heard from folks who've changed their minds and left... are related to the cultural differences, which they didn't expect and didn't understand by just visiting. I don't mean north vs south, because this area has become heavily populated by transplants from around the country. I mean urban vs mountains, conservative vs liberal, traditional vs progressive, laid back vs highly competitive.

If you consider yourself somewhat of a "city" person who has enjoyed living in the pace, culture, and intensive amenities of the urban centers of the northeast or pacific coast, you may find it much more difficult to settle in happily here. If the driver ahead does not move when the light turns green, and you have to wait through another light cycle, and it's not the height of rush hour, it is unlikely that a soul will honk their horn. If you honk, locals here would consider you to be selfishly concerned with getting to the store a few minutes faster and careless over embarrassing your neighbor by honking. Impatient people from outside this culture tend to find locals unreceptive to their attempt to make friends or find jobs. In small day-to-day ways, a lot of urban transplants struggle to make their new home here, and make it feel like a home.

We've very happily transitioned. We love the culture of the southeast, which to us is gentle, generous, mostly traditional. Western NC offers natural beauty, abundant outdoor activities, and extensive in-town amenities and services throughout this tourism-friendly region. We do not presently live in Asheville itself but we have. Asheville is and has been increasingly progressive, something of an enclave of liberalism within the region.

West Asheville, Brevard, and some parts of Candler, Montreat, Black Mountain and Mars Hill are also fairly liberal - mostly related to their arts districts and college campuses. North Asheville (despite UNC-Asheville), South Asheville, Fletcher, Arden, and especially Hendersonville, are decidedly conservative, almost in firm response to the changes in Asheville, in my personal opinion. Moving further out, the region is generally quietly traditional, rural, quaint, relaxed - and very beautiful.

Maggie Valley is known for being popular with "half-backs", people who originally lived and worked in the northeast and urban centers across the U.S., retired south to FL, then came "halfway back" north once they had decided that FL (full time) was not for them, either due to weather, culture, cost or terrain. Consequently, the culture of Maggie Valley and surrounding towns has become a little more blended with northeast-style culture. Maggie Valley offers striking scenery, a friendly town, and it's only about 45 minutes to drive in to Asheville. Out that way, Cullowhee is a fun university town too. Communities in this region have distinctly different personalities, and it's not always easy to tell the differences if you don't spend a fair amount of time "living" here rather than just visiting like a tourist. If you like an area, visit the local "Y" or senior community center a few times. See you think you could make friends easily. These are the same folks who vote and influence local change.

Unfortunately, property taxes in both Buncombe County and Asheville (city), are among the highest in the region. Henderson County taxes are rising more quickly than most surrounding counties as well. Taxes seem to rise faster wherever many transplants come from higher cost-of-living parts of the country: To them, $1000 does mean as much as it does to a rural, southern local. Folks coming from outside may want to add more local services and development into the county, and they are less troubled by the associated increase in taxes. It's worth looking at trends and not just numbers.
 
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Iwant2gonow

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I really want to thank everyone for their thoughtful in depth responses.

So many places to visit, so much to think about, and I am sure it is only the tip of the iceberg:eek:
 

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Lisa P, this is a wonderful review of the Asheville area. Having lived in the "deep" South all my life, Asheville, and even Hendersonville are a 'breath of fresh air'. Compared to rural parts of Alabama and Mississippi, even the most conservative parts of this area are progressive; its all relative). But you're so right, it's mountaineous, liberal/progressive, laid-back, and we love it! We have been fortunate enough to have travelled extensively around the world. Other than Italy, this is the only place that we are drawn back to time and time again.


Having lived in the area around Asheville since moving from CT in 1997, perhaps I could add a few comments to round out Lizap's thoughtful posts. We do absolutely love this region and we plan to stay here when we retire. But there are many people who move here and leave a year or two later. Different strokes.

The most common complaints that I've heard from folks who've changed their minds and left... are related to the cultural differences, which they didn't expect and didn't understand by just visiting. I don't mean north vs south, because this area has become heavily populated by transplants from around the country. I mean urban vs mountains, conservative vs liberal, traditional vs progressive, laid back vs highly competitive.

If you consider yourself somewhat of a "city" person who has enjoyed living in the pace, culture, and intensive amenities of the urban centers of the northeast or pacific coast, you may find it much more difficult to settle in happily here. If the driver ahead does not move when the light turns green, and you have to wait through another light cycle, and it's not the height of rush hour, it is unlikely that a soul will honk their horn. If you honk, locals here would consider you to be selfishly concerned with getting to the store a few minutes faster and careless over embarrassing your neighbor by honking. Impatient people from outside this culture tend to find locals unreceptive to their attempt to make friends or find jobs. In small day-to-day ways, a lot of urban transplants struggle to make their new home here, and make it feel like a home.

We've very happily transitioned. We love the culture of the southeast, which to us is gentle, generous, mostly traditional. Western NC offers natural beauty, abundant outdoor activities, and extensive in-town amenities and services throughout this tourism-friendly region. We do not presently live in Asheville itself but we have. Asheville is and has been increasingly progressive, something of an enclave of liberalism within the region.

West Asheville, Brevard, and some parts of Candler, Montreat, Black Mountain and Mars Hill are also fairly liberal - mostly related to their arts districts and college campuses. North Asheville (despite UNC-Asheville), South Asheville, Fletcher, Arden, and especially Hendersonville, are decidedly conservative, almost in firm response to the changes in Asheville, in my personal opinion. Moving further out, the region is generally quietly traditional, rural, quaint, relaxed - and very beautiful.

Maggie Valley is known for being popular with "half-backs", people who originally lived and worked in the northeast and urban centers across the U.S., retired south to FL, then came "halfway back" north once they had decided that FL (full time) was not for them, either due to weather, culture, cost or terrain. Consequently, the culture of Maggie Valley and surrounding towns has become a little more blended with northeast-style culture. Maggie Valley offers striking scenery, a friendly town, and it's only about 45 minutes to drive in to Asheville. Out that way, Cullowhee is a fun university town too. Communities in this region have distinctly different personalities, and it's not always easy to tell the differences if you don't spend a fair amount of time "living" here rather than just visiting like a tourist. If you like an area, visit the local "Y" or senior community center a few times. See you think you could make friends easily. These are the same folks who vote and influence local change.

Unfortunately, property taxes in both Buncombe County and Asheville (city), are among the highest in the region. Henderson County taxes are rising more quickly than most surrounding counties as well. Taxes seem to rise faster wherever many transplants come from higher cost-of-living parts of the country: To them, $1000 does mean as much as it does to a rural, southern local. Folks coming from outside may want to add more local services and development into the county, and they are less troubled by the associated increase in taxes. It's worth looking at trends and not just numbers.
 
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