Stunning scenery, affordable living, state-of-the-art retirement communities, and access to award-winning healthcare are among the many reasons that Chattanooga is a top destination for retirees.

Chattanooga has consistently been rated one of the best places to retire, and for good reason. In 2023, it earned the “Best All-Around” spot on Southern Living and Investopedia’s list of the South’s best places to retire, and last year, was ranked among the top spots for retirees in Tennessee by Travel + Leisure, the latter citing Chattanooga’s “stable economy, access to outdoor activities, a thriving downtown, and a revitalized waterfront” as major draws. Thanks to these amenities and more, Chattanooga offers its senior residents everything they need to enjoy their golden years.

With a cost of living that is 10% lower than the national average, Chattanooga lets seniors make the most of their retirement dollars. Tennessee’s affordable housing market, low property taxes, and lack of state income tax contribute to Chattanooga’s affordability and helped secure the state a spot on CNBC’s list of the most affordable U.S. states for retirement in 2024.

When it comes to finding a place to call home, welcoming neighborhoods and enticing real estate abound, from luxe downtown apartments to riverside residences, mountaintop homes, and suburban living. Also available are local retirement communities offering the best in independent and assisted living. Residents of these inviting properties can enjoy cleaning and dining services, daily programming, and a level of expert care that suits their needs. Skilled nursing facilities and residential memory care are available to provide specialty care, while in-home services range from assistance with daily tasks to full-service, professional care. Nearby, award-winning healthcare systems and rehabilitation hospitals stand ready to meet any medical needs.

Nationally recognized senior care companies, including Life Care Centers of America, Century Park Associates, and Morning Pointe Senior living, are headquartered in the Chattanooga area and offer their expert services at area facilities. Recent developments from these accomplished companies continue to add more options. In 2024, Morning Pointe Senior Living broke ground on a $15 million memory care campus in East Hamilton, slated for completion this year. Meanwhile, in Ooltewah, a 447-unit senior living community by Atlanta-based Thrive Senior Living is anticipated to begin construction in the coming months.

Seniors looking to stay active can enjoy a wealth of outdoor activities and sports here in the Scenic City, all while enjoying stunning views of the Tennessee River and surrounding mountains. Scenic overlooks, expansive parks, and trail systems for all activity levels are only a short drive away, while downtown, retirees can enjoy walking and biking on the 16-mile Riverwalk. Competitive spirits will feel right at home at area golf courses and sports complexes, while multiple waterfronts and marinas provide plenty of spots for fishing.

Chattanooga has a calendar packed with events for any interest, from concerts and car shows to local markets, seasonal festivals, and more. Year-round, seniors can visit a diverse lineup of museums and historic sites to learn more about the Chattanooga area’s rich history and culture. More educational opportunities await at area colleges offering programs for lifelong learners, as well as local arts, crafts, and cooking classes for those interested in honing creative skills. Retirees looking to give back to the community can partner with a variety of local nonprofits, and those seeking spiritual growth can join one of the city’s many churches and religious organizations.

The list of local amenities goes on, including shopping and dining to suit any tastes, and sightseeing spots to show off to visiting friends or family.