Retiring in Central Texas: Best Cities for Active Adults

Central Texas has become a premier retirement destination for active adults across the country. The combination of warm weather, no state income tax, affordable housing, and world-class healthcare makes this region particularly attractive for retirees. As an Accredited Senior Agent specializing in downsizing and retirement transitions, I have helped dozens of clients find their perfect retirement home.

Georgetown and Sun City Texas

Georgetown is home to Sun City Texas and a range of 55+ active adult communities. Sun City is one of the largest and most popular active adult communities in the United States, with resort-style amenities, three championship golf courses, fitness centers, and hundreds of social clubs offering a vibrant retirement lifestyle. Home prices start around $250,000 and go up to over $600,000 for premium lots. Georgetown's historic downtown provides shopping, dining, and entertainment, and the city's medical facilities are excellent. See our complete guide to 55+ living in Georgetown for full details.

Cedar Park

Cedar Park offers a mix of active adult communities and traditional neighborhoods that appeal to retirees. The city's recreation center offers senior-specific programs, and the proximity to Austin means world-class healthcare at Dell Seton Medical Center and other major hospitals. Cedar Park's single-story homes in the $350,000 to $500,000 range are popular with downsizers who want modern amenities without the maintenance.

Round Rock

Round Rock offers retirees affordable housing, excellent healthcare at St. David's Round Rock Medical Center, and a growing number of active adult communities. The Kalahari Resort provides family-friendly attractions for visits from grandchildren, while the city's extensive trail system and parks support an active lifestyle.

Salado and Belton

For retirees seeking small-town charm and lower cost of living, Salado and Belton are excellent options. Salado's walkable historic downtown, art galleries, and creek-side setting provide a peaceful retirement backdrop. Belton offers lake living at Lake Belton with boating, fishing, and waterfront homes. Both communities are within 30 minutes of Baylor Scott & White Medical Center in Temple.

Key Considerations for Retirees

• Texas has no state income tax, which benefits retirees with pension, Social Security, or retirement account income.
• Property taxes are higher than average, but the Texas homestead exemption provides some relief for homeowners aged 65 and older.
• Single-story homes, low-maintenance landscaping, and active adult communities are widely available.
• Healthcare access is excellent, with major medical centers in Austin, Round Rock, Georgetown, and Temple.