Kiawah Island Real Estate

South Carolina vs. Florida: Which is Better for Retirement?

South Carolina vs. Florida: Which is Better for Retirement?

August 8, 2022

Categories: Lifestyle, The Island

Deciding on South Carolina or Florida for Retirement

When it comes to choosing a place to retire, the Southeast region of the United States is frequently top of mind. In fact, two of the most popular states for retirement are South Carolina and Florida. With warm weather and beautiful beaches, these Southern states are a hub for retirees. But which state is better to retire in? 

Continue reading to find out more about whether you should choose South Carolina or Florida for retirement. 

1. Weather and Climate

When deciding where to retire, one should take into account the climate of the state. Ideally, you may want to choose somewhere where you have the opportunity to enjoy the outdoors year-round. In terms of temperature, both South Carolina and Florida are considered to be very warm states. In the summer, the average high temperature in Florida falls around 90 degrees, while South Carolina averages a slightly cooler 85 degrees. Meanwhile, in the winter, Florida maintains highs in the 60s and 70s, while South Carolina averages around 50 degrees. Therefore, if you are looking to experience warmth all year long, you may prefer living in Florida. However, if you wish to experience a mild change in seasons, South Carolina may be better suited for your preferences. 

As well as the temperature, it is important to keep in mind the chance of natural disasters in each state. As a retiree, you want to avoid having to worry about evacuating an area or prepping for adverse weather. Since both Florida and South Carolina are located in the Southeast, both of these states experience tropical storms and hurricanes. In fact, Florida is the number one most hurricane-prone state in the United States — enduring four times the amount of hurricanes as South Carolina. For those still looking to reside in Florida during retirement, keep in mind that the inland area closer to the border of Georgia endures the least amount of hurricanes in the state. 

2. Recreational Activities

Retirement is the perfect time to engage in the recreational activities that you love. Whether it’s embarking on nature walks, going on leisurely bike rides, or swimming in the ocean, it is important that you are able to participate in your favorite recreational activities during retirement. So, be sure to consider access to your interests and hobbies when deciding where to retire.

One of the most popular recreational activities for retirees is golf. Known as a “lifelong sport,” golf is a great way for retirees to remain active and build friendships. If golf is one of your interests, you may want to keep this in mind when deciding what state to retire in as some states have more courses than others. Luckily, both South Carolina and Florida have some of the best golf in the nation. South Carolina is home to the infamous Ocean Course, home of the 2021 PGA Championship, and the magnificent May River Golf Club. Meanwhile, Florida boasts the distinct Seminole Golf Club and TPC Sawgrass — home of THE PLAYERS Championship. In regards to access to golf and other recreational activities, you can’t go wrong with either state.  

south carolina or florida for retirement

The Ocean Course at Kiawah Island

3. Culture and Arts

For those who enjoy learning about different cultures and being immersed in the arts, both South Carolina and Florida have something to offer. South Carolina is an extremely culturally-rich state and is home to the city of Charleston — a historic port city characterized by its cobblestone streets and traditional Southern architecture. Here, you will find countless art galleries, historic theaters, and a vibrant culinary scene featuring some of the best restaurants in the United States. All in all, the Palmetto State is a great place for retirees who have an appreciation for the arts and cultural diversity. 

Meanwhile, in Florida, the city of Miami is a cultural hotspot. As a mecca for Latin culture, the city hosts several festivals throughout the year as well as other cultural events. You will also find diverse cuisine options in Miami with many dishes being Caribbean-inspired or Latin American style. Overall, Miami is a great place to visit for retirees looking to enjoy an upbeat, vibrant city. 

south carolina or florida for retirement

Charleston, South Carolina

4. Taxes

When deciding where to retire, many people take taxes into consideration. Luckily, both South Carolina and Florida are considered to be very tax-friendly states. In fact, Florida has no state income tax, no taxes on Social Security, and no inheritance or estate taxes. Meanwhile, in South Carolina, there are also no taxes on Social Security and income deductions are available for retirees. Additionally, property taxes in South Carolina are some of the lowest rates in the nation. If taxes are a consideration for you when deceiving where to retire, you can rest assured that both Florida and South Carolina are great options. 

Retiring at Seafields on Kiawah Island, South Carolina 

When choosing between South Carolina or Florida for retirement, the choice is yours. Compare your preferences and dreams for retirement with the information above to help you make this important decision. 

For those leaning toward retiring in South Carolina, we recommend considering Kiawah Island. A barrier island located just 21 miles south of Charleston, Kiawah Island is a private luxury community ideal for retirees. Here, you can enjoy the white sand beaches and world-class golf offerings all while being just a short drive from the lively city of Charleston. 

Aside from its location in the heart of South Carolina, Kiawah is also welcoming luxury senior living to the Island. A 62+ Life Plan community, Seafields at Kiawah Island will feature spacious residences, luxurious amenities, and an ideal lifestyle for retirees. Here, retirement will be a celebration of community and friendship in a scenic, coastal setting. 

Looking to learn more about retiring at Seafields? Click the button below to get in touch with us. We’d be happy to introduce you to the community and answer any questions you may have!