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Savannah, GA

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 8
Outdoor 8
Healthcare 7.5
Airport 8
Climate 7.5
Safety 4.5
Natural Hazard Safety 3.5
Air Quality 7
Community character 10
Restaurant / Bar Scene 8.6

Research

AI research, with sources

“Savannah blends historic charm, walkable neighborhoods, and strong leisure amenities with hot, humid summers, higher-than-average crime concerns, and coastal hurricane and flood exposure.”

Savannah can work well for retirees who value a lively, scenic coastal city with golf, restaurants, parks, and a distinctive downtown core. The tradeoffs are important: home prices in desirable areas are still substantial, summers are muggy and storm-prone, and the city’s crime profile and insurance exposure warrant careful neighborhood-by-neighborhood screening.

Cost of living & taxes Savannah is more affordable than many coastal retirement markets, but taxes and insurance still matter.

The city’s median home value estimate is about $322,400 in Census QuickFacts, while Georgia taxes real property at 40% of fair market value and the City of Savannah notes that city residents also pay county and school taxes (Census QuickFacts[1], City of Savannah property tax FAQ[2]). Georgia’s state income tax is not city-specific, but it is still part of the retirement cost picture, and Savannah’s city page says property taxes are billed in two installments each year (City of Savannah property tax FAQ[2]).

For day-to-day costs, the Savannah metro area is the relevant geography for federal price series rather than the city itself, so any CPI-style inflation measure must be read as metro-level rather than city-level. A direct federal grocery-price index for Savannah is not given here.

Healthcare access Savannah has strong local hospital coverage, with major systems in town and specialty care available locally.

Savannah residents have access to Memorial Health University Medical Center and St. Joseph’s/Candler, both cited by local retirement guidance as the main comprehensive care options in the city (AARP / local retirement overview[3], AskDoss Savannah retirement guide[4]). The city also has a sizable medical ecosystem for routine and specialist needs, which is one reason AARP highlights Savannah’s health-care accessibility as part of its livability case (AARP / local retirement overview[3]).

For Medicare Advantage, plan availability changes annually and should be checked in Medicare.gov’s Plan Finder at the ZIP-code level before choosing a neighborhood or suburb. A single current plan list for Savannah is not given here.

Climate & weather Savannah has a humid subtropical climate, with mild winters and long, hot, wet summers.

NOAA/NWS climate normals for Savannah International Airport show an annual precipitation total of 44.46 inches and average monthly conditions consistent with a warm, humid coastal climate (NWS Savannah annual climate summary[5], NOAA climate normals station page[6]). The same summary shows average maximum temperatures around 78.2°F and average minimum temperatures around 57.2°F for 2025, with 80 days at or above 90°F and 26 days at or below 32°F, which means summer comfort is limited but winter is generally mild (NWS Savannah annual climate summary[5]).

City-specific sunny-day counts for Savannah are not given here. For a retiree, the best outdoor season is generally late fall through early spring, when heat index and humidity are much more comfortable than in midsummer (NWS Savannah annual climate summary[5]).

Crime & safety Savannah’s crime profile needs caution, and the most reliable comparison is at the city level from the FBI.

Savannah violent- and property-crime rates from the FBI are not given here. Savannah’s crime should be checked directly in the FBI Crime Data Explorer neighborhood by neighborhood before buying.

Savannah crime rates are not given here. Buyers should verify the current Savannah Police Department reporting status and compare the latest city trend inside the FBI data portal before making a decision.

Housing market Savannah, GA’s housing market is moderately priced for coastal Georgia, with a median listing price around $404K, a median of 78 days on market, and multiple 55+ community options in and near the metro.

Savannah’s median listing home price is $404,333 and homes sit a median 78 days on market, which suggests a slower but still active resale pace for a retiree buyer (Realtor.com Savannah market[7]). The broader Savannah metro also shows positive long-run appreciation in FHFA’s city series, with a 1-year house price change of 3.37% for Savannah, GA (FHFA HPI datasets[8]). For age-targeted options, Savannah-area 55+ communities are available, including The Landings on Skidaway Island in Savannah, Coffee Pointe in Savannah, and Del Webb Savannah at Heartwood in nearby Richmond Hill (NewHomeSource Savannah area 55+ communities[9]); those communities indicate an established active-adult market rather than a single niche development.

Airport & travel Savannah has a convenient medium-hub airport close to the city, with easy access for most retiree travel needs.

Savannah/Hilton Head International Airport is the nearest commercial airport and FAA describes it as a medium-sized multi-use airport located just northwest of Savannah (FAA SAV airport page[10]). AARP also notes that Savannah is served by good transportation access and that downtown activities are concentrated enough to reduce some car dependence, which can help if you live near the urban core (AARP / Savannah profile[3]).

The airport and general location are confirmed for Savannah, but specific nonstop routes are not given here.

Golf & recreation Savannah is a strong golf market, with several public and semi-private options and easy access to the coast.

Savannah has a deep golf inventory, including the city’s only municipal course, Bacon Park Golf Course, which the club says was designed by Donald Ross and is owned by the City of Savannah (Bacon Park Golf Course[11]). Explore Georgia identifies Henderson Golf Club as one of the city’s best public courses and notes an 18-hole championship layout up to 6,700 yards with a lighted driving range (Explore Georgia: Henderson Golf Club[12]). GolfLink also lists public courses such as Crosswinds, Bacon Park, Henderson, Southbridge, and Mary Calder within the Savannah area, supporting a dense local golf scene (GolfLink Savannah courses[13]).

For non-golf recreation, Savannah’s coastal setting adds beach access, waterways, and lowcountry scenery, and AARP specifically highlights the nearby Tybee Island beach plus the city’s network of squares and green spaces (AARP / Savannah profile[3]).

Community & demographics Savannah is a mid-sized, older-than-average city with a walkable historic core and strong amenity density.

Census QuickFacts shows Savannah’s population at 148,808 in July 2024, and Census Reporter’s ACS-based profile shows a population of 152,798 for the Savannah census-designated geography it reports, so the exact figure depends on which official geography you use (Census QuickFacts[1], Census Reporter Savannah CCD[14]). AARP describes Savannah as a walkable place with a historic square pattern, River Street, and an active downtown environment that lets residents cluster errands and social activity in a compact area (AARP / Savannah profile[3]).

The city is also one of AARP’s highlighted places for older adults, and the article reports an AARP Livability Index score of 55 and average monthly housing cost of $1,250 for its profile comparison (AARP / Savannah profile[3]). That combination points to a community with enough urban energy for active retirees, especially those who value dining, walking, and cultural character more than suburban sameness.

Hazard & air quality Savannah’s coastal setting increases flood and hurricane exposure, while air quality is generally better than many metro areas but still seasonally affected by smoke.

The National Risk Index is published at the county level, and Savannah sits in Chatham County, so that is the correct geography for hazard screening rather than the city itself (Chatham County QuickFacts[15]). The county’s FEMA NRI composite score and hazard ranks are not given here.

Because Savannah is coastal Georgia, hurricane wind and storm-surge exposure are part of the real estate risk picture, and wildfire smoke can occasionally affect air quality even far from local ignition sources. Savannah’s annual good-air-days figure is not given here.

Sources (15)

Numbered sources are the ones cited inline above.

  1. U.S. Census Bureau QuickFacts: Savannah city, Georgia
  2. City of Savannah FAQ: When are property taxes due?
  3. AARP: Reasons to Consider Living in Savannah, GA
  4. AskDoss: Retiring in Georgia, Taxes, Healthcare & Cost of Living
  5. National Weather Service: Savannah annual climate summary
  6. NOAA NCEI: U.S. Climate Normals
  7. Realtor.com Savannah market
  8. FHFA HPI datasets
  9. NewHomeSource Savannah area 55+ communities
  10. FAA: Savannah/Hilton Head International (SAV)
  11. Bacon Park Golf Course
  12. Explore Georgia: Henderson Golf Club
  13. GolfLink: Savannah golf courses
  14. Census Reporter: Savannah CCD, Chatham County, GA
  15. U.S. Census Bureau QuickFacts: Chatham County, Georgia

Cost of living

91.5 cost-of-living index for a retired household (100 = U.S. average) — about 8.5% below the national average for retirees.

Groceries101.8
Housing73.6
Utilities99.6
Transportation97.9
Healthcare98.5
Misc. goods & services95.4

General-population composite: 89.4. 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 ↗ 147,898 plus or minus 64
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 ↗ 14.3% plus or minus 0.7 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 ↗ $57,137 plus or minus $1,715
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 ↗ $248,900 plus or minus $9,593
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 ↗ $1,382 plus or minus $32
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 ↗ $2,040 plus or minus $159
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 ↗ 26.8% plus or minus 2.3 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

RegionGA
AirportSAV - 20 min (regional/medium hub)
ClimateHumid subtropical; 44.46" rain; hot humid summers; mild winters; best outdoors Nov-Apr
Lot size0.15–0.35 ac (manageable yard)
Home type1,900–2,600 sq ft low-maintenance single-family home
Key watchHurricane/flood insurance; muggy summers; neighborhood-by-neighborhood crime variation
HealthcareMemorial Health / St. Joseph’s-Candler; specialists = local metro, major tertiary care = Atlanta if needed
Best seasonNovember - April
Top communityArdsley Park, Dutch Island, Wilmington Island, The Landings, Southbridge

In your free trial: more on Savannah

Retirement taxes: Social Security not taxed · pensions and IRA withdrawals partly taxed · Typical home: $525K–$775K

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