Master-Planned and Gated Communities in Tax-Friendly States

Some people want to get away from high taxes like they want to get away from snowy, cold winters. Both are valid reasons to start looking for a destination to retire or relocate. Moving to a tax-friendly state can set you up for a better financial situation—and may even have a better climate. You want your hard-earned money to go as far as it can—after all, you’ve worked toward your retirement your whole life. So, when you’re making plans to retire or relocate, you’ll want to think about how your income can fit into your ideal lifestyle.

The Benefits of Choosing a Tax-Friendly State

If you’re making the move from a high-tax state like New York, New Jersey, or Maryland, looking into a tax-friendly state is one of the best things you can do for you, your family, and your wallet. Some of the benefits include:

  • No tax on Social Security income, which can include 401(k)s, IRAs and pensions
  • Additional deductions on other forms of retirement income
  • Low sales, property, estate, inheritance and income tax rates

The goal is to get the most out of your savings and to live at your fullest capacity, and tax-friendly states are a great place to do that. But don’t just move because taxes are low. Consider all the other factors, too. Is it a place you want to live in? Does it have the amenities—dining, shopping, attractions, etc.—that you want in your everyday life? You should also look for other potential taxes that aren’t as nice. While tax-friendly states are generous in most tax areas, some may have drawbacks. For example, a state may have low income tax but a higher sales tax.

A Look at Some Tax-Friendly States

Delaware –  A destination full of gorgeous beaches, rich history, and beautiful scenery, the charm of seaside life is almost enough to make anyone want to move at the drop of a hat. But to sweeten the deal, Delaware is kind to your retirement incomes, offers low property tax, and has no sales tax.

Pennsylvania -  Full of history, an enticing geographical landscape, and a climate that’ll make you want to spend most of your time outdoors, this state is also easy on your wallet. No tax on retirement incomes, a low sales tax, and a lower-than-average cost of living make it an ideal place to retire or relocate.

Florida - If the Sunshine State is your escape from frigid winters, you’ll be pleased to know it’s also tax-friendly. You don’t have to worry about income tax, and your Social Security benefits and 401(k)s are untaxed at state levels.

North Carolina -  Enjoy a bit of southern charm, your choice of a mountain or seaside backdrop, and shorter winters. But that’s not all. Lower taxes and lower cost of living make this state an even more desirable destination.

Research and Explore Tax-Friendly Communities Around The U.S.

Search Filters:

Click to explore the following tax-friendly communities. Request information from multiple communities by selecting the checkboxes to the right and completing the form below.

Salters Haven

Hampstead, NC
Lots start at low $100K. Homes start at $400K.

Nestled along the sparkling Intracoastal, in the growing coastal town of Hampstead, NC, Salters Haven will be the place for those who seek an active lifestyle on the water. Logan Developers, the team of visionaries who brought the acclaimed Helms Port marina community into being, is re-creating the magic once again at Salters Haven. Its spirit is very much the same: a celebration of family, community, recreation on the water and elegant coastal homes. View our disclaimer here.

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Horizon Homes of Wilmington LLC

Wilmington, NC
Homes starting in Mid $300k and Lots starting at $35K.

Horizon Homes of Wilmington is a family-owned custom home builder in Southeastern North Carolina. Every Horizon home starts with your “wish list”. Robin Hackney, a Green Certified Professional with the National Association of Home Builders, designs every home with energy efficiency and sustainability in mind. Providing quality, energy efficient, custom homes designed around the individual wants and needs of their customers is what sets Horizon Homes apart. Send your “wish list” directly to Robin at BuyHorizonNewHomes.com and begin your dream home journey today!

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Cresswind Charlotte

Charlotte, NC
Homes: $300K - $500K

Encompassing 370 woodland acres, Cresswind Charlotte is a 55+ community in Charlotte, North Carolina. This active adult community is situated away from the congestion of the city, but within a 25-minute drive of Uptown Charlotte.

Cresswind Charlotte is specifically designed for those 55 and over, with resort-style amenities and a variety of activities. Miles of walking trails meander throughout the community, and the 18,000-square-foot clubhouse will feature a fitness center, indoor and outdoor swimming pools, tennis, pickleball, and bocce courts. A full-time activities director organizes fitness programs and clubs for every hobby.

Charlotte is home to NASCAR, Carowinds Amusement Park, and U.S. National Whitewater Center. The Nantahala National Forest, Pisgah National Forest, and ski resorts at Sugar Mountain and Beech Mountain are close enough for day trips and weekend getaways. Tour 9 designer model homes. Move-In Ready homes available now.

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Best Sunsets - River Bluffs Community Wilmington NC

River Bluffs

Castle Hayne, NC

A unique waterfront community with new homes from the $300s – $1.5M+ and available lots starting at $80k.

Located just 10 minutes north of Downtown Wilmington, NC (by boat or car) sits River Bluffs, a gated community that overlooks the Northeast Cape Fear River. River Bluffs offers a wide variety of home plans, including affordable cottage-style homes for a growing family, single-level homes with retirement-smart features, low-maintenance townhomes, and even fully-custom homes built by the area’s most prestigious builders. River Bluffs boasts a variety of luxurious amenities such as a a 2,700 foot river walk with covered gazebos, 188 slip marina, miles of walking trails and parks, a beach-entry pool, high-end fitness center, tennis and pickle ball courts, a community General Store, over 30+ resident clubs including kayaking, boating, and much more.

Enhance Your Quality of Life by Moving to River Bluffs:

• No city tax and no traffic!
• Low county & state taxes. North Carolina residents enjoy some of the lowest cost of living expenses on the Eastern seaboard!
• Enjoy low HOA dues which include yard maintenance, trash service, recycling, and access to all community amenities.
• 5.499% flat income tax and 0% estate or inheritance tax.

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Gated Community near Wilmington NC | The Bluffs on the Cape Fear

The Bluffs on the Cape Fear

Leland, NC

Gated Riverfront Living, Boundless Joy in Nature

The Bluffs on the Cape Fear is a vibrant, master-planned community perched on a pristine stretch of the Cape Fear River. Just 15 minutes from the classic waterfront hometown of historic Wilmington, NC, The Bluffs is a private, coastal haven for the families who call it home.

The unique vision of The Bluffs is realized every day: natural woodlands and the unspoiled riverfront landscape are preserved and celebrated. Classically-styled coastal homes exist in harmony with lush woodlands, and the riverfront.
Our visionary developers created The Bluffs with access and abundance in mind. Accordingly, residents here enjoy a close-knit, active lifestyle with total access to the riverfront and an impressive collection of amenities. We invite you to experience the joy of our authentic riverfront community, The Bluffs on the Cape Fear, with our 3 day-2 night Discovery Package.

Amenity List:
– 50-Slip Marina with Scenic Boardwalk
– 2-Acre Riverfront Park with Boat & Kayak Launch
– Lakefront Clubhouse with Resort-Style Salt Water Pool
– Private Beach Club on Oak Island – with Full Ocean Access
– Winding Walking & Biking Trails
– Golf Cart Friendly Community
– Tennis & Pickleball Courts
– Fully-Stocked Lake
– Community Boat & RV Storage
– And soon, a New State-of-the-Art Fitness & Wellness Center

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Albemarle Plantation

Hertford, NC
Homes, Condos: $99K - $899,750 Lots: $10K - $399K

On the North Carolina’s Inner Banks is a golf and marina community with a lifestyle like no other! Albemarle Plantation is perched between historic Edenton and Elizabeth City, NC, it’s an easy drive to any major city along the coast going north or south. With easy access to Tidewater Virginia and the Outer Banks of North Carolina, you will experience small town charm and big city culture at its finest. Spend days honing your game on the greens, charting a course to boating adventures and bountiful fishing or simply enjoying life amid the tranquil environment that surrounds you.

The broad blue waters of Albemarle can be right outside your door. You can put your boat in the slip and be on the Dan Maples designed golf course in minutes. Every amenity you would expect from a private waterfront community is here. All amenities are complete and owned “debt free” by the Property Owner’s Association. Homesites range from $32,500 to $425,000; Homes start at $299,900.

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55+ Community near Houston TX | The Highlands - Encore

The Highlands – Encore

Porter, TX
45- and 55-foot single-story homes, request information for more pricing details!

David Weekley’s first 55+ active adult community is coming soon to the brand new, master-planned community of The Highlands! Located in Porter, TX, The Highlands is dedicated to everything you know and love about home and nature. The Highlands is a 2,300-acre exploration of natural beauty and will be built to take full advantage of its densely forested, national park-like setting. David Weekley’ section in The Highlands – Encore will feature 45- and 55-foot, single-story homesites along with top-quality construction, open-concept livability and a splendid Montgomery County location near shopping, dining and entertainment. In The Highlands, you’ll soon experience the best in Design, Choice and Service from one of Houston’s top home builders as well as a variety of amenities, including:

• Lifestyle Director to schedule activities
• 55+ clubhouse
• 18-hole golf course and tennis courts
• Hiking, biking and adventure trail system along the San Jacinto River
• Event lawn and pavilion, recreation field and playgrounds
• Acres of parks, greenspaces and onsite lakes for fishing and kayaking
• Waterpark with lazy river

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Heritage Shores | Delaware Retirement Communities Golf Community

Heritage Shores

Bridgeville, DE
For Sale Homes from $300K, Rental Homes with Flexible Leasing Options Also Available

The homes at Heritage Shores have been designed to maximize your lifestyle by incorporating the latest technologies that provide ease of maintenance and energy efficiency. There’s something for every taste and budget at Heritage Shores, with flexible main-level living home designs featuring two-car garages and available second levels, lofts and outdoor spaces. With a wealth of available upgrades, there are virtually endless possibilities for personalizing your new home. Plus, Heritage Shores also offers rental opportunities on some of its most popular floorplans, with flexible one- to five-year leases and all amenities included.

Additional amenities include: Full-Time Activities Director, 18 – Hole Arthur Hills Championship Golf Course, State-Of-The-Art Fitness Center, Indoor and Outdoor Swimming Pools, Tennis, Pickleball and Bocce Ball, Fresh Air Exercise Circuit, Health & Wellness Center, 28,000 sq. ft. Clubhouse, Kayak Launch, On-Site Restaurants, Sugar Beet Market, Woodshop, Aerobics and Dance Studio, Arts and Creative Studio, Billiards and Card Room, Pro Shop, Dog Park, Performance Lawn, Outdoor Chess and Checkers Tables, Shuffleboard, and Many Classes & Clubs.

Call 302.956.6129 for more information or to schedule a visit to our Discovery Center.

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Tennessee Gated Community Kimball TN | Jasper Highlands | Retire in TN

Jasper Highlands

Kimball, TN
Homes: $300K - $550K Lots: $41,900 - $500K

Welcome to Jasper Highlands, a unique residential mountain community, nestled along the bluffs of Jasper Mountain in Tennessee. This remarkable piece of residential real estate is positioned above the clouds with majestic views of Lake Nickajack and the Tennessee River Valley, with property taxes starting at $162.10 a year!

An affordable mountain bluff gated community, Jasper Highlands is perfect as a second home mountain retreat, a retirement hideaway or as a primary residence. It is designed for the economy of our future, but surrounded by our past, hovering above the historic towns of Jasper, Kimball and South Pittsburg, which offer all the amenities for everyday living. Just 25 minutes away is Chattanooga, recently voted the number one best mid size city in America. Choose Tennessee Planned Communities.

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Encore at Viridian | 55+ New Homes near Dallas TX

Encore at Viridian

Arlington, TX

Encore by David Weekley Homes will soon offer a new 55+ lifestyle community in Arlington. You will shortly be able to enjoy thoughtfully-designed one-story homes and bright, open floor plans. Elements at Viridian – Signature Series homes are situated on 45 and 50 foot homesites and will feature expanded Outdoor Living Areas for entertaining. Here, you can soon enjoy the home of your dreams, plus the lifestyle you’ve been looking for, including:
• Calendar full of activities planned by a Lifestyle Director
• Staying in prime shape on the miles of walking, hiking and biking trails
• Relaxing in the resort-style pools
• Gathering with friends at the amenity center’s lounge
• Fishing in the catch-and-release lakes
• Enjoying a friendly game on the putting greens, shuffleboard, bocce ball and tennis courts

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Cresswind at PGA Village Verano

Port St. Lucie, FL
Homes from $300K to $500K

Cresswind at PGA Village Verano is a 55+ gated neighborhood within the gates of PGA Village Verano. This age-restricted neighborhood features eighteen unique floorplans. Cresswind neighbors enjoy access to Club Talavera’s amenities including a 27,000 sq. ft. Social Center and 13,000 sq. ft. Fitness Center, as well as its own neighborhood pool and pool house. The social clubs and full-time Lifestyle Director make it easy to try new activities along with meeting your neighbors and lifelong friends.

PGA Village Verano neighbors the PGA Golf Club that includes three championship courses. Also, Cresswind homeowners have access to the PGA Village Verano Pickleball Center designed with 27 pickleball courts, the largest private pickleball complex in South Florida. Cresswind’s groundbreaking approach to home building ensures solid construction and maximum comfort with the least amount of worry possible. You’ll find quality brands adorning each model, with options to keep your home customized and complete. Ten designer-decorated model homes open daily.

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Noble's Pond | Delaware 55+ Community | Homes For Sale in DE

Noble’s Pond

Dover, DE
Homes from the high 300s.

Noble’s Pond Delaware 55+ Community

Noble’s Pond is where active adults ages 55+ are having the time of their lives during the prime of their lives. It’s the place Homeowners choose to build their dream homes and be always active. But upon moving to the community, they find that Noble’s Pond is more than a buzzing, amenity-rich lifestyle haven; It’s a community. Each day, community Homeowners – the influencers behind the award- winning Noble’s Pond experience in tax-friendly Delaware – join together to uncover their next adventure. They attend happy hours, plan events and even travel the globe with one another – all with the help of our Lifestyle Director who is passionate about making Homeowners’ aspirations a reality. Noble’s Pond is where you can enjoy your home and your lifestyle, your way.

Amenities Listing:

Award-Winning Lifestyle Director: She plans everything from low-key community get-togethers and
regular outings to international adventures. Your social calendar will be the envy of all your friends.

Clubhouse: The social hub of the community with amenities such as swimming pool with Olympic lap
lane, new fitness center, four bocce courts, tennis courts, putting green, billiards, library, commercial
kitchen, event spaces and more.

Enjoy the outdoors: Community nature trail great for walking and biking, fishing pier with large
picturesque pond, community gardens.

Location: Centrally located for easy traveling. Within a few hours of major hubs like Washington, DC,
Baltimore, Philadelphia.

Give Back Together: Homeowners regularly plan benefits and fundraisers to benefit causes they care
about. So many ways to get involved and make a difference in the local community and beyond.

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Retire NC

Cary, NC

North Carolina has always been recognized for its natural diversity and gracious hospitality, which now has made it into an extremely popular retirement destination. Choices abound for a healthy, happy retirement setting, whether you want to relax on the beach or enjoy the great outdoors in our mountains or stay busy in a bustling city. The North Carolina Certified Retirement Community designation means a city has completed a comprehensive evaluation process with requirements outlined by the North Carolina General Assembly. These Certified Retirement Communities are recognized for providing the amenities, services and opportunities retirees need to enjoy active and productive lives.

City of Reidsville

City of Reidsville

LIVE SIMPLY, THINK BIG isn’t just our tagline, it’s our way of life. We aren’t limited by
our size and neither are our dreams. Whether you want to spend your retirement volunteering,
spending time with friends or finally opening that small business you always dreamed of, you
can "Do What You Love in Reidsville"; Being "retired" doesn’t mean you can’t live out your
dreams, it means you now have the freedom to do it!
https://www.riseupreidsville.com/retire

Johnston County

Johnston County

Johnston County has become the first county in North Carolina to be designated a Retire NC destination. Johnston County’s top retirement destination, Clayton, is located at the crossroads of I-95 and I-40. Experience rural small-town living, just 15 minutes from Downtown Raleigh. Retirees will find rural farmland and small town charm in and around the Research Triangle Park region. Find out more about the 55+ communities located in the Clayton area and visit us for a weekend to see what awaits you in retirement — local festivals, unique boutique shops, a little nightlife, good people, even better BBQ and quality built homes.
https://www.johnstoncountync.org/retire-joco/

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Crossings at Sweetbriar | Pennsylvania Real Estate | Landmark Homes

Crossings at Sweetbriar

Lebanon, PA
Homes from 300K

Style. Location. Value. The Crossings at Sweetbriar 55+ community has it all. Located in tranquil Lebanon, PA, with a vast expanse of scenic farmland to the north, and recreation, shopping, dining, and medical centers just to the south, Sweetbriar offers a relaxing lifestyle for adults 55 and over in a low cost of living area, yet with all the simple conveniences of life nearby.

Residents can enjoy the private community clubhouse with pool, in addition to walking and biking trails which meander through acres of preserved open space.

Combine all of these wonderful features with new home prices that start in the $300’s, and you’ll not only love Sweetbriar 55+ community for its location, convenience, and amenities, but for its value, too.

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Beau Coast | Communities in Beaufort | Coastal Living in NC | The Carolinas

Beau Coast

Beaufort, NC
Homes from the mid $300K and Homesites starting at $149.5K

Beau Coast is found in the quaint coastal town of Beaufort, NC, which was named “South’s Best Small Town” by Southern Living Magazine. If you’re wondering why Beaufort deserves those accolades, the explanation is simple: it’s a small town with big character.

Historic Beaufort, NC is more than just a small coastal town, it’s steeped in a distinct history. First established in 1709, it’s the third oldest town in North Carolina and was a port town visited by patriots, merchants, and craftsmen. When you call Beau Coast home, you’ll find yourself at the center of it all. The coastal charm. The compelling culture. The stunning natural areas. And so much more.

Beau Coast’s Best Features also include:
• 365 Day Lifestyle
• Prime Location
• Beautiful Clubhouse
• Resort Style Pool
• Kayak Barn
• Event Lawn
• Onsite Deli
• Gathering Areas
• Community Day Dock
• Miles of Sidewalks
• Numerous Social Events
• Townhomes, Single-Family Homes and Homesites Available
• Low HOA Dues
• Affordability
• Trusted Developer

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Landmark Homes

Multiple Sites, ##

Landmark Homes – Pennsylvania Home Builder

Cliff and Claire Weaver founded Landmark Homes in 1998. Their intention? To create a company focused on three essential values: attention to detail, hard work, and excellence. These core values quickly became the company’s foundation. And, a peek at any Landmark home and the processes therein will tell you that these values are not only upheld, but diligently adhered to today.

From lot choice, to design, build, and move-in day; Landmark keeps their eye on the target, so you can too.

View all or out communities on the Landmark Homes builder page

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Lucero Golf & Country Club

Chiriqui, PAN
Homes and Lots $370K - $1.2M


Lucero is located in the “La Estrella” suburb of Boquete (valley of the flowers) in the Province of Chiriqui, which is Panama’s southwestern-most province, immediately next to Costa Rica”s southern border.

Also known as a Paradise in the Sky, Lucero is the perfect property to retire and to find a second home. You can choose from our Duplex Villa, our Townhomes, or our condos, each or them will be designed with attention to detail and keeping you preferences in mind. With us you will find a place to disconnect from the world and get lost in nature.

The property is 15 to 20 minutes by car from Boquete and about 45 to 50 minutes by car from David, the capital of Panama’s Chiriqui Province.

In Lucero you will find a challenging world class par-72 golf course designed by J. Michael Poellot at 3,600 feet above sea level. Not only is it the best in the country, but also the only one with 360 views that will blow your mind.

Besides that you will find classic clay tennis courts, with everything you might need to play. After practicing your favorite sport, you can take a dip in our infinity pool and our jacuzzi while you enjoy the view surrounding our whole Club House.

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Active Adult Community near Seattle WA | Port Ludlow | Waterfront Homes

Port Ludlow

Port Ludlow, WA
Homes: $490K+


Port Ludlow is a resort-style community located on the shores of the Puget Sound, just a 30-minute ferry ride away from Seattle, Washington. Port Ludlow is close enough to the city, but far enough to enjoy an active and tranquil lifestyle. With views of the Olympic Mountains, a bustling social life, waterfront inn, and myriad of recreational amenities, the community has regularly been ranked as one of the top ten neighborhoods in the U.S.

Port Ludlow is home to a championship golf course that embraces the area’s natural surroundings of lakes, streams, and evergreens and provides challenging play for all skill levels. Residents can enjoy the community’s waterfront location at Port Ludlow’s 300-slip Marina by taking a boat cruise, renting a kayak, or dining at the award-winning Fireside Restaurant. Two clubhouses provide fitness facilities, tennis and pickleball courts, swimming pools, and over 100 community clubs.

Residences in Port Ludlow include Craftsman-style beachfront homes, waterfront condos, and villas with golf course views. Currently, there are two new neighborhoods being built in Port Ludlow. Ludlow Cove Cottages and Olympic Terrace II.

Check out our 360 degree view of Port Ludow by clicking here!

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Osprey Cove

Saint Marys, GA
Homes: $225K - $1.5M Lots: $30K - $300K

Located just 21 minutes from Jacksonville, FL International airport, and just a 90 minute drive to Savannah, GA and St. Augustine, FL, Osprey Cove is a constant recipient in the “Top 100 places to Retire.” Kiplinger rated Georgia as a “Top 10 Tax Friendly state for Retirees”. This plush coastal community boasts 722 single family homes. Home buyers in search of an active lifestyle are finding the right fit at Osprey Cove with private golf, tennis, boating and fishing available year round. Located near Kings Bay Naval Base, Osprey is a top pick for military, government and other retirees. With incredible views across the marsh to Florida and Amelia Island, this three season coastal community awaits you – and you deserve the best. Perfect for a primary or second home. Check out this Georgia gated community to learn more.

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Cresswind Charleston

Summerville, SC
Homes: $300K - $500K

Cresswind Charleston brings the award-winning Cresswind active adult lifestyle to the Charleston area. This gated community is integrated within the thriving community of The Ponds while maintaining its own privacy. Cresswind features a full list of resort-style amenities, all located within a natural, Lowcountry setting.

Residents can take a short walk to the 12,000-square-foot clubhouse, enjoy pickleball and tennis or participate in activities at the event lawn and amphitheater. Additionally, homeowners have the opportunity to enrich their lives with cooking and yoga classes or bocce ball. Residents also can nurture their talent in the art room, play pool, swim in the resort-style pool, fish or kayak – and stay fit and healthy at a well-equipped fitness center.

Cresswind Charleston offers spacious homes featuring a wide range of personalization opportunities, designer choices, uniquely designed with careful attention to details. Single-family, ranch-style homes will include designer features, energy efficiency and designs complementary to active living. Tour nine designed model homes. Move-In Ready homes available now.

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Plan your visit

These are only a few of the tax-friendly states. You may find that you’re looking for a destination out west or somewhere else in the south. Take a look at the list of other low-tax states below, and browse the 55+, resort, gated and other communities waiting to welcome you with open arms.

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