Scenic charm and Southern hospitality meet relaxed waterfront living.
Retiring in the South offers warm weather, affordable living, and plenty of charm—but for those who love the water, river towns provide something even more special. Whether you want stunning views, outdoor activities, or a laid-back pace, these Southern river towns offer a perfect retirement destination.
Here are the best places to settle down by the water and enjoy your golden years in style.
1. Beaufort, South Carolina, blends history with Lowcountry charm.
Nestled along the Beaufort River, this historic town offers breathtaking waterfront views, cobblestone streets, and antebellum architecture. Known for its rich history and welcoming community, Beaufort provides a quiet yet engaging retirement atmosphere.
With easy access to the Intracoastal Waterway, retirees can enjoy boating, fishing, and kayaking year-round. The town also boasts excellent healthcare facilities and a cost of living lower than many other coastal destinations.
2. New Bern, North Carolina, offers waterfront beauty and culture.
Located where the Neuse and Trent Rivers meet, New Bern is a picturesque retirement town with deep historical roots. It’s home to charming riverfront parks, scenic marinas, and an active arts scene.
New Bern’s mild climate and affordable housing make it ideal for retirees seeking beauty and convenience. With a walkable downtown filled with boutiques, restaurants, and cultural attractions, there’s always something to explore.
3. Paducah, Kentucky, is an artsy haven on the Ohio River.
This charming town blends a rich history with a vibrant arts culture, thanks to its designation as a UNESCO Creative City, according to NPR. Retirees can enjoy riverfront strolls, local galleries, and a welcoming community.
Paducah offers a low cost of living and excellent healthcare facilities. The town’s peaceful setting along the Ohio River makes it an excellent choice for those seeking both relaxation and creative inspiration.
4. Fairhope, Alabama, boasts a stunning Mobile Bay shoreline.
Though not directly on a river, Fairhope sits along Mobile Bay and offers retirees a dreamy waterfront lifestyle. Known for its beautiful parks, artsy downtown, and friendly locals, Fairhope provides a perfect mix of relaxation and activity.
With mild winters and a walkable downtown filled with shops, cafés, and cultural events, this town is ideal for those who love a vibrant yet laid-back community. Outdoor lovers will appreciate the fishing piers and scenic walking trails.
5. Apalachicola, Florida, delivers small-town charm with coastal flair.
Situated along the Apalachicola River, this hidden gem offers a quiet, affordable retirement option away from Florida’s busier tourist spots. The town is known for its historic buildings, fresh seafood, and relaxed atmosphere.
Retirees can spend their days boating, fishing, or simply soaking in the river views. Apalachicola also has a strong sense of community, making it easy to form friendships and enjoy a peaceful lifestyle.
6. Natchez, Mississippi, brings history and scenic river views.
Perched high on the banks of the Mississippi River, Natchez offers stunning sunsets, historic homes, and a relaxed pace of life. This charming town is a paradise for history lovers and those who enjoy classic Southern hospitality.
With affordable housing, cultural festivals, and plenty of outdoor recreation, Natchez is an excellent choice for retirees who want both beauty and community. The slow pace and friendly neighbors make it easy to settle in.
7. Georgetown, South Carolina, is a waterfront haven for nature lovers.
Located between Charleston and Myrtle Beach, this small town along the Sampit River provides a peaceful retirement option with easy access to bigger cities. Its historic district, seafood restaurants, and natural beauty make it a desirable destination.
Georgetown offers excellent fishing, boating, and birdwatching opportunities. The town’s strong sense of community and affordable cost of living make it an attractive place to retire without the hustle and bustle of larger cities.
8. St. Francisville, Louisiana, blends Southern charm with riverfront beauty.
Overlooking the Mississippi River, St. Francisville is known for its historic plantations, quaint shops, and breathtaking scenery. This small-town gem is perfect for retirees who appreciate Southern hospitality and a slower pace of life.
With plenty of outdoor activities, including hiking, birdwatching, and river cruises, there’s always something to enjoy. The town’s rich history and welcoming community make it easy to feel at home.
9. Elizabeth City, North Carolina, offers a peaceful waterfront escape.
Located on the Pasquotank River, Elizabeth City is a charming retirement town with scenic beauty and affordability. It boasts a thriving arts scene, waterfront parks, and a historic downtown area.
The town provides excellent healthcare, a low cost of living, and easy access to the Outer Banks. Retirees who love boating and outdoor activities will find plenty to do in this picturesque setting.
10. Savannah, Georgia, is a riverfront city with undeniable charm.
Savannah’s cobblestone streets, historic homes, and vibrant arts scene make it a dream retirement destination. Situated along the Savannah River, the city offers scenic beauty, excellent restaurants, and plenty of activities.
While Savannah is larger than some of the other towns on this list, it retains a friendly, welcoming atmosphere. Retirees can enjoy riverfront strolls, cultural events, and a mild year-round climate.
11. Conway, South Carolina, offers a charming escape near Myrtle Beach.
Nestled along the Waccamaw River, Conway is a historic town known for its oak-lined streets and small-town charm. It provides a quieter alternative to the busier Myrtle Beach area while still offering easy access to coastal attractions.
Retirees can enjoy fishing, kayaking, and exploring the scenic riverwalk. The affordable housing and friendly community make it an attractive place for retirement.
12. Rome, Georgia, sits at the confluence of three rivers.
Rome offers a unique riverfront lifestyle where the Etowah, Oostanaula, and Coosa Rivers meet. This scenic town features a historic downtown, cultural attractions, and a strong sense of community.
With numerous parks, hiking trails, and a thriving arts scene, Rome provides a perfect mix of relaxation and activity. The cost of living is reasonable, and the town has excellent healthcare facilities.
13. Orangeburg, South Carolina, is a hidden gem along the Edisto River.
This lesser-known town offers retirees an affordable and peaceful riverfront lifestyle. Orangeburg is known for its beautiful gardens, friendly locals, and outdoor recreation opportunities.
With mild winters and a cost of living lower than the national average, it’s a great choice for those looking to retire in a quiet yet charming setting. The river provides excellent fishing and boating opportunities.
14. Natchitoches, Louisiana, is a storybook town on the Cane River.
This picturesque town, known as Louisiana’s oldest settlement, is a retirement dream for those who love history and Southern charm. The Cane River Lake offers stunning waterfront views, and the historic district is full of character.
With year-round festivals, local markets, and a warm community, Natchitoches provides an engaging retirement lifestyle. The low cost of living makes it even more appealing.
15. Clarksville, Tennessee, offers riverfront beauty with city conveniences.
Located along the Cumberland River, Clarksville provides a balance between small-town charm and city amenities. It offers a strong economy, affordable housing, and excellent healthcare.
Retirees can enjoy riverfront parks, cultural events, and an active social scene. The proximity to Nashville allows for easy access to big-city attractions while maintaining a relaxed lifestyle.
16. Eufaula, Alabama, is a peaceful retreat on the Chattahoochee River.
Eufaula is known for its stunning antebellum homes, scenic lake views, and warm community. The historic downtown and beautiful waterfront make it a relaxing yet engaging place to retire.
With excellent fishing, boating, and outdoor activities, Eufaula is perfect for nature lovers. The low cost of living and friendly locals make it a welcoming spot for retirees.