🏆 Best of Austin 2026: Radio Coffee & Beer wins Best Coffee Shop. Finalists: Desnudo, Epoch Coffee, Spokesman. Our guide → · All 246 →
Austin RetireThe Hill Country Almanac · Retiring in Austin, Texas
No state income tax · 300 days of sun
Live Music Capital of the World
⚡ Built Agents Firstwhy →|AGENTS.mdllms.txtopenapiMCP

The Complete Guide

Retiring in Austin

No state income tax. 300 days of sunshine. World-class healthcare. Live music every night. Here's everything you need to know about retiring in Austin, Texas.

$0
State income tax
300
Days of sunshine a year
68°F
Barton Springs, year-round
70+
Direct flights from ABIA
01

Why Austin?

Six good reasons

No State Income Tax

Taxes

Texas has no state income tax. Your Social Security, pension, 401(k), and investment income are tax-free at the state level. This alone saves most retirees $5,000-15,000/year compared to California or New York.

300 Days of Sunshine

Climate

Average 300 sunny days per year. Mild winters (avg January high: 62°F). Hot summers, yes, but AC is everywhere. You can be outdoors year-round — hiking, swimming, golfing, kayaking.

World-Class Healthcare

Healthcare

Dell Seton Medical Center (Level 1 trauma), St. David's (5 hospitals), Ascension Seton, Baylor Scott & White, VA Outpatient Clinic. UT Dell Medical School. You're covered.

Culture & Entertainment

Culture

Live Music Capital of the World. 250+ live music venues. Film festivals. Theater. Museums. UT sports. F1 racing. Farmers markets. You will never be bored in Austin.

Outdoor Lifestyle

Outdoors

Lady Bird Lake (10-mile trail), Barton Springs (68°F year-round), 300+ parks, 50+ golf courses, Hill Country wine trails, state parks everywhere. Active living is the Austin default.

Austin-Bergstrom Airport

Travel

Direct flights to 70+ cities. International flights to London, Frankfurt, Cancún, and more. 15 minutes from downtown. Easy to visit grandkids or take trips.

02

Best Neighborhoods for Retirees

Where to land

Georgetown full guide →

North · #1 pick

30 min north. Sun City (55+ community, 9,600 homes, 3 golf courses, pools, 100+ clubs). Historic downtown square. Charming. Affordable. The #1 retirement destination in the Austin metro.

Lakeway$550K–800K

Lake Travis

Lake Travis. Lake living, golf courses (Flintrock Falls, Lakeway Resort), hill country views. Quieter, upscale. The luxury retirement option.

Bee Cave / Dripping Springs$500K–700K

West

Hill Country west. Upscale suburban with Hill Country character. Wineries, distilleries, natural beauty. Galleria shopping. Excellent restaurants. Growing fast.

Cedar Park / Leander$400K–500K

Northwest

Northwest. The affordable option. Growing rapidly. H-E-B Plus, restaurants, trails. 20 min to downtown. Best value in the metro for retirees on a budget.

Bastrop$300K–400K

Southeast

30 min southeast. Small-town Texas charm on the Colorado River. Artsy downtown, state park, affordable. The most affordable option with real character.

South Austin$500K–700K

In the city

In the city. Zilker Park, Barton Springs, South Congress culture. Stay in the action. For retirees who want urban energy, not suburban quiet.

03

Cost of Living

The honest math

Housing

Median home price: ~$450K (Austin proper), $350K-400K (suburbs). Rent: $1,400-2,000/mo for a nice 2BR. Austin is more expensive than most of Texas but cheaper than California, Colorado, or the Northeast.

Property Taxes

The tradeoff for no income tax. Travis County: ~1.8-2.0%. Williamson County: ~2.0-2.2%. Over-65 exemption: school district taxes freeze at the rate when you turned 65. Homestead exemption saves ~$1,000-2,000/yr.

Groceries & Utilities

H-E-B keeps grocery costs reasonable (below national average). Electric: $150-250/mo (summer AC). Water: $50-80/mo. Internet: $50-80/mo. Overall: 3-5% above national average, 30-40% below California.

04

Austin vs Other Retirement Destinations

Head to head

Austin vs Florida

Both: no income tax. Austin advantages: culture, music, less humidity, no hurricanes, Hill Country beauty. Florida advantages: beaches, lower property tax, cheaper housing. Austin wins on lifestyle; Florida wins on cost.

Austin vs Arizona

Austin advantages: greener, more water, more culture, better food scene, more diverse economy. Arizona advantages: drier heat, cheaper housing, stunning desert scenery. Austin wins for people who want an active urban life.

Austin vs Carolinas

Austin advantages: no income tax (NC has 4.5%), more tech/innovation culture, drier climate. Carolina advantages: beaches + mountains, lower cost, milder summers. Austin wins on taxes and culture; Carolinas win on geography.

05

55+ Communities

Active adult living

Sun City Georgetown

9,600 homes. 3 golf courses. 50,000 sq ft fitness center. 100+ clubs. Pools, tennis, pickleball, woodworking, pottery. The gold standard. Homes: $250K-600K. Del Webb built.

Kissing Tree (San Marcos)

30 min south. Brookfield Residential. Homes from $300K. Restaurant, fitness center, trails, pool. Growing community. Hill Country setting near outlet malls.

Trilogy at Lago Vista

Lake Travis area. Shea Homes. Resort-style with lake access, golf, spa. Homes from $400K. The luxury active-adult option northwest of Austin.

Palette
◐ Theme