7. Chattanooga, Tennessee

Why it’s on the list: Chattanooga boasts affordability, outdoor recreation, and a revitalized downtown area.

Cost of Living: The cost of living is well below the national average, with no state income tax on Social Security benefits.

Taxes: Tennessee has no state income tax, a significant financial advantage for retirees.

Climate: Chattanooga experiences all four seasons, with mild winters and warm summers.

Medical Availability: The city has reputable healthcare facilities, including Erlanger Health System.

Housing: Chattanooga offers affordable housing options, including historic neighborhoods and new developments.

Retiree Community: Chattanooga’s retiree community is growing, drawn to its affordability and scenic beauty.