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Raleigh, NC

Year-round Destination

One of the retirement towns we've already researched and scored. Everything below — the citations, the Census figures, the cost-of-living index — is real, not a mockup.

Scores

Golf Outdoor Healthcare Airport Climate Safety Natural Hazard Safety Air Quality Community character Restaurant / Bar Scene
Golf 7.5
Outdoor 8
Healthcare 8.5
Airport 8.5
Climate 7.5
Safety 5.5
Natural Hazard Safety 6.5
Air Quality 7
Community character 10
Restaurant / Bar Scene 9.3

Research

AI research, with sources

“Raleigh is a fast-growing, education-rich capital with strong healthcare, easy airport access, and a mild enough climate for year-round activity, but retirees should weigh higher-than-average home costs, summer humidity, and a crime profile that is best judged carefully at the county and metro level.”

Raleigh works well for an active retiree who wants a warm, urban-suburban market with golf, greenways, universities, and a major airport, all centered in Wake County. The tradeoffs are real: home prices are no longer low-cost, summers are hot and humid, and the most useful safety and hazard context often sits at the county or metro level rather than the city alone.

Cost of living & taxes Raleigh is relatively pricey for North Carolina, with strong incomes but homeownership costs that sit above the state norm.

Raleigh’s median household income was $78,631 in the 2018-2022 ACS, and the city’s per capita income was $47,257, while Wake County’s median household income was $101,763 and per capita income was $52,949 (Census QuickFacts[1]; Census QuickFacts[2]). For a retiree-target single-family home around $550K to $700K, Raleigh’s market is usually in that range or somewhat above depending on location and condition, but the exact median home price is not confirmed from an agency source here. North Carolina’s state sales tax and income-tax structure are not given here, and Raleigh metro CPI and current tax rates are not provided.

Healthcare access Raleigh has major hospital coverage in town, with the broader Triangle supplying deep specialist access.

Raleigh is the Wake County seat and a large regional center, but drive times, trauma levels, and Medicare Advantage plan details are not given here. Raleigh residents typically rely on the local Triangle hospital network for everyday and specialty care, but the nearest system, level, and plan options are not given here. Quantified healthcare access details for Raleigh are not given here.

Climate & weather Raleigh has a humid subtropical feel, with warm summers, cool winters, and nearly 41 inches of annual rain.

NOAA-derived climate summaries for Raleigh/Durham show annual precipitation of 41.32 inches in 2025, average summer maximum temperature of 91.1°F, average summer minimum of 70.3°F, and a mean summer temperature of 80.7°F (NWS annual climate summary[3]; NWS summer climate summary[4]). The annual summary also recorded 92 fair days and described 2025 as the 7th warmest year on record at Raleigh (NWS annual climate summary[3]). A clean annual sunny-days total and a precise winter-low average for Raleigh are not given here.

Crime & safety City-level FBI/CDE crime numbers for Raleigh are not given here.

A confirmed FBI Crime Data Explorer page for Raleigh city, Wake County, or North Carolina with current violent and property crime rates and the 3-year trend is not given here. FBI’s UCR/NIBRS reporting is voluntary and incomplete after 2021, so a crime-score website should not be used as a substitute. Crime should be checked directly on FBI CDE for Raleigh city and, if unavailable, for Wake County or North Carolina before making a relocation decision.

Housing market Raleigh, NC has a softer housing market than earlier this year, with list prices around the mid-$400Ks and homes typically taking about two months to sell.

Raleigh’s median listing price is about $449,900, and that is down 4.84% year over year on the city market page (Realtor.com Raleigh market[5]). Homes are moving at a median of 61 days on market in the city, while Wake County’s countywide median is 58 days, which suggests a market that is still active but not especially fast for sellers (Realtor.com Raleigh market[5], Realtor.com Wake County market[6]). FHFA’s metro series shows Raleigh-Cary house prices were up 1.10% year over year in 2026Q2, so the broader metro has remained resilient even as asking prices and market time have cooled (FHFA HPI datasets[7]). Raleigh also has at least one active-adult option in the city, including Overture Crabtree 55+ Active Adult Apartment Homes in Raleigh, and After55’s North Carolina active-adult directory confirms such communities are present in the state and includes that Raleigh property (After55 North Carolina active adult communities[8]).

Airport & travel RDU gives Raleigh unusually strong air access for a non-coastal retirement market.

Raleigh-Durham International Airport is the local commercial airport, and the airport itself says it now offers more than 90 nonstop destinations on 19 airlines (RDU[9]; RDU nonstop destinations[10]). The route map includes key East Coast and Midwest hubs such as Atlanta, Boston, Chicago-O’Hare, Chicago-Midway, Detroit, Minneapolis, Washington, Baltimore, Philadelphia, Newark, and New York airports (RDU nonstop destinations[10]). A clean drive-time figure from Raleigh neighborhoods to the terminal is not given here.

Golf & recreation Raleigh is a strong golf-and-greenways market, even though public-course counts within 30 minutes were not fully verified here.

Raleigh has a robust regional airport and active metropolitan growth, but the number of public courses within 30 minutes and their typical greens fees are not given here. For recreation more broadly, Raleigh’s year-round outdoor appeal is supported by mild winters, ample rainfall, and a large metro population, which is why golf, greenways, and nearby parks are part of the area’s draw. Because golf has no government source, any course-specific ranking should be treated as indicative only unless verified directly on official club sites.

Community & demographics Raleigh is a younger-than-average retirement market, with a large and educated population and a lively downtown core.

Raleigh’s 2023 population estimate was 482,295, and the city’s 2020 Census population was 482,425, with a median age of 34.9 years in the city profile and 11.4 percent of residents age 65 and older in QuickFacts (Census QuickFacts[1]; Raleigh city profile[11]). Wake County’s median age was 37.3 years in Census Reporter’s ACS-based profile, and county population was 1,232,444, reinforcing that this is a large, still-growing metro rather than an older retirement enclave (Census Reporter, Wake County[12]). For a retiree, that usually means strong amenities, active dining and cultural options, and a more urban-suburban feel than a classic age-restricted market.

Hazard & air quality Wake County carries measurable flood and wind exposure, but a full FEMA risk score is not given here.

FEMA’s National Risk Index is the right county-level source to use, but Wake County’s composite score and hazard ranking are not given here. Raleigh’s NOAA pages do not cover AQI or smoke-season severity, and a confirmed EPA AirNow page for annual good-air-day counts is not given here. The prudent takeaway is that Raleigh should be evaluated as an inland, humid Southeast market with stormwater and heavy-rain considerations, but the exact county risk score and AQI metrics still need a separate source pull.

Sources (12)

Numbered sources are the ones cited inline above.

  1. Census QuickFacts, Raleigh city
  2. Census QuickFacts, Wake County
  3. NWS Raleigh annual climate summary
  4. NWS Raleigh summer climate summary
  5. Realtor.com Raleigh housing market
  6. Realtor.com Wake County housing market
  7. FHFA HPI datasets
  8. After55 North Carolina active adult communities
  9. RDU home page
  10. RDU nonstop destinations
  11. Raleigh city profile
  12. Census Reporter, Wake County

Cost of living

95.0 cost-of-living index for a retired household (100 = U.S. average) — about 5.0% below the national average for retirees.

Groceries102.5
Housing84.2
Utilities91.9
Transportation88.1
Healthcare115.7
Misc. goods & services98.5

General-population composite: 92.4. The retired-household figure above weights spending the way a retiree actually spends rather than a general household, and is the more relevant number here.

C2ER Cost of Living Index (Expanded Edition), 2026 Q2 (as of 2026). A purchased, licensed index — not a live lookup — so it is refreshed by hand rather than on demand.

Census figures

American Community Survey, 2020–2024 five-year estimates

Measure Figure
Total population Everyone living here, from the Census Bureau’s rolling five-year survey and controlled to its official population estimate — an average over the five years, not a headcount on one day. Source: Table B01001 on data.census.gov ↗ 481,031 plus or minus 391
Share of population aged 65+ calculated Residents aged 65 and over as a share of all residents, added up from the survey’s age brackets. It counts people living here year-round, so a town with many seasonal residents will read lower than it feels. Source: Table B01001 on data.census.gov ↗ 11.9% plus or minus 0.4 percentage points
Median household income The midpoint of what households here earned over the twelve months before they were surveyed — half earned more, half less. Not an average, and not per person: a household can be one earner or five. Research text elsewhere on this page may quote an income from a different source, year or boundary, so it will not match this figure. Source: Table B19013 on data.census.gov ↗ $85,395 plus or minus $2,159
Median home value The midpoint of what owners estimate their own homes are worth, across owner-occupied homes only. It is not a list price, not a sale price, and not an assessment, so it will not match a market figure quoted elsewhere on this page. Source: Table B25077 on data.census.gov ↗ $415,800 plus or minus $7,720
Median gross rent The midpoint of rent plus tenant-paid utilities across occupied rental homes — what sitting renters pay, not what is being advertised to someone moving in today. Source: Table B25064 on data.census.gov ↗ $1,572 plus or minus $23
Median real estate taxes paid The midpoint of the property tax actually paid by owner-occupied households, which reflects what they own and any exemptions they hold. It is not the rate a new buyer would pay on a purchase at today’s price. Source: Table B25103 on data.census.gov ↗ $3,048 plus or minus $85
Owner households spending 30%+ of income on housing calculated Owner households whose monthly housing costs — mortgage, taxes, insurance, utilities — take 30% or more of their income, out of the owner households for which that ratio can be computed. Renters are not in this figure. Source: Table B25091 on data.census.gov ↗ 20.1% plus or minus 1.2 percentage points

3 of 7 figures are precise enough to compare with another town. These are survey estimates, not a census count, and the margin of error is part of the figure.

Key details

RegionNC
AirportRDU — 20-35 min (major regional airport)
ClimateHumid subtropical; ~41.3 in rain; hot humid summers; comfortable outdoors Oct-May
Lot size0.15–0.35 ac low-maintenance
Home type1,900–2,600 sq ft single-family ranch or 2-story
Key watchSummer humidity; higher home prices near golf/amenities; flood-prone low spots after heavy rain
HealthcareMajor Triangle hospital systems; specialist care = Raleigh-Durham Triangle
Best seasonOctober - May
Top communityNorth Ridge, Stonehenge, MacGregor Downs, Brier Creek, Wakefield

In your free trial: more on Raleigh

Retirement taxes: Social Security not taxed · pensions and IRA withdrawals partly taxed · Typical home: $550K–$750K

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