10 Tennessee Towns Where Couples Can Live On Nothing But Social Security

Retirement is that time in your life when you can sit back, relax, and reap the benefits of your hard work. But not if you struggle to make ends meet. If you're considering relocating to get more bang for your buck, Tennessee is a smart choice for retirees.

The state offers no tax on Social Security benefits, low property prices, and a below-average cost of living. With retired couples receiving around an average of $4,000 per month in Social Security benefits in 2025, Tennessee makes it possible to enjoy a stress-free retirement without overextending yourself.

We've rounded up 10 Tennessee towns where you can make your money go even further. See just what you can get in this Southern state.

Editor's note: Unless otherwise mentioned, all rent figures were provided by Apartments.com and all home prices by Zillow.

Average rent: $848

Average home price: $301,698

Known as the "Golf Capital of Tennessee," Crossville offers low housing costs and a relaxed pace of life on the Cumberland Plateau. There's easy access to hiking and fishing in state parks like Cumberland Mountain State Park. Everyday expenses like groceries and health care are more than reasonable enough to live off your Social Security benefits.

Average rent: $852

Average home price: $292,340

Tullahoma is a mid-sized town that boasts good health care access and plenty of outdoor activities near Tims Ford Lake, making it ideal for retirees to spend their golden years. Scenic and with a fantastic quality of life, it's an attractive spot where you can easily live off your Social Security benefits.

Average rent: $1,005

Average home price: $259,563

Morristown is a charming and affordable city nestled in East Tennessee, offering small-town living with convenient access to larger areas such as Knoxville and the Great Smoky Mountains. It boasts many natural highlights, such as Cherokee Lake and Panther Creek State Park, as well as a strong calendar of festivals and markets. There are several well-regarded medical centers, and the cost of living is around 13% less than the national average.

Average rent: $894

Average home price: $253,277

Nestled near scenic Chickamauga Lake, Dayton offers a peaceful lifestyle rich in outdoor recreation opportunities. This small town features a friendly community atmosphere, a variety of local restaurants and shops, and popular annual events like the Tennessee Strawberry Festival.

With a cost of living below the national average, Dayton provides an affordable and welcoming environment ideal for those seeking relaxation with a strong community feel in their retirement.

Average rent: $539

Average home price: $248,413

When looking to maximize your fixed income, McMinnville stands out as an attractive choice. Known as the "Nursery Capital of the World," it provides ample opportunities to enjoy nature, whether through gardening, exploring the parks, or simply taking in the scenery.

Located between Nashville and Chattanooga, it provides easy access to the amenities and cultural attractions of larger cities, but it retains a small-community feel. The cost of living here is around 18% lower than the national average.

Average rent: $691

Average home price: $246,964

Greeneville is Tennessee's second-oldest town, known for its rich history and welcoming small-town charm. Downtown is filled with historical architecture, while the city as a whole boasts many festivals and arts venues. The surrounding area offers scenic hiking routes ideal for staying active, and there's excellent access to healthcare. The historical pride and low cost of living make it a very appealing place to spend your retirement.

Average rent: $835

Average home price: $237,450

Lawrenceburg balances affordability with access to shopping, cultural activities, and high-quality healthcare. It boasts friendly neighborhoods and is near larger cities, so you can get to larger healthcare or shopping facilities if needed. The cost of living is around 17% lower than the national average and 5% less than the average Tennessee city.

Average rent: $513

Average home price: $232,590

New Tazewell stands out for couples looking to live on Social Security benefits, with an overall cost of living 17% below the U.S. average and 7% lower than the Tennessee average. Crime rates are relatively low, and with under 3,000 residents, it's a tight-knit and quiet community.

Average rent: $308

Average home price: $228,943

Nestled in the foothills of the Cumberland Mountains, LaFollette has an abundance of outdoor recreation opportunities ideal for those who want to stay active during retirement. A small, serene place to live, it offers a tight community and good healthcare services. Housing and bills are particularly reasonable here, with a cost of living 16% lower than the U.S. average.

Average rent: $495

Average home price: $201,947

Paris is one of the most budget-friendly towns on the list and is known for its charming downtown and Southern hospitality. There are many services and amenities specifically tailored to senior citizens, as well as easy access to healthcare and plenty of opportunities for outdoor recreation. Various events and volunteering opportunities make it easy for retirees to stay engaged and become part of the community. The average cost of living is 23% less than the average Tennessee city.

When you retire, it's important to be savvy with your money, but you also want to settle down somewhere you feel safe, are close to essential services, and can make the most of your time. These 10 Tennessee towns are ideal choices for retirees looking to do just that.

With such an affordable cost of living, you can comfortably live off your Social Security benefits and spend the rest of your time strolling through vibrant downtown locations, hiking through National parks, or meeting other like-minded individuals at local events.