Brunswick County has become one of North Carolina’s favorite places to retire, and it is easy to see why: beaches, golf, mild winters, small-town downtowns and a slower pace than most big metro areas. But “Brunswick County” covers a lot of ground, from Leland’s suburban neighborhoods to island towns and quiet golf communities near the South Carolina line. This guide walks through the practical questions retirees should answer before choosing where to land.
Step 1: Pick the Lifestyle, Then the Town
Every retiree’s ideal day looks a little different. Start there, and the right towns usually narrow themselves down.
If you want to be close to Wilmington
Leland and Belville put you minutes from downtown Wilmington’s restaurants, the airport and specialty medical care, with plenty of newer neighborhoods and planned communities. See our Leland town guide.
If you want a walkable small town by the water
Southport offers a historic downtown, waterfront dining and a strong community calendar. Our Southport relocation guide goes deeper, and nearby St. James is a popular gated golf community. Read our St. James guide.
If the beach is the point
Oak Island, Holden Beach, Ocean Isle Beach and Sunset Beach each have their own personality. Island living brings the beach to your door, along with flood and wind insurance, elevated homes and more seasonal traffic. Our guide to living on Oak Island year-round is a good starting point.
If you want golf and convenience
South Brunswick, including Sunset Beach’s mainland, Calabash and Carolina Shores, has many golf and planned communities and growing shopping along U.S. 17. Our golf community buyer’s guide explains what to check.
Step 2: Plan for Healthcare Access
For many retirees, healthcare is the deciding factor. Brunswick County has two hospitals: Novant Health Brunswick Medical Center in Bolivia and Dosher Memorial Hospital, an independent community hospital in Southport. Many residents also travel to Wilmington for specialists. Before you commit to a town:
- Check whether your doctors, specialists and preferred hospital system are in network with your Medicare plan.
- Map drive times from the homes you are considering to the care you use most.
- If you are looking on an island, think about how you would get to care during a storm or heavy summer traffic.
Step 3: Understand Taxes and Relief Programs
North Carolina does not tax Social Security benefits. The N.C. Department of Revenue explains that any Social Security included in federal adjusted gross income can be deducted on the state return. Other retirement income may be taxed differently, so talk with a tax professional about your situation.
Property taxes in Brunswick County include a county rate plus any town rate where you live. The county’s 2027 revaluation will update property values, and the county says owners should receive notices of new values in early 2027. Some older homeowners and disabled veterans may qualify for relief; our guide to property tax relief for Brunswick County seniors and veterans covers the programs.
Step 4: Budget for Insurance on the Coast
Insurance can be one of the biggest surprises for retirees moving from inland areas. Homeowners, wind and flood coverage vary widely depending on location, elevation and roof type. Get quotes early in your search, not after you are under contract. Our flood zones guide and our post on FORTIFIED roofs and insurance credits are both worth reading.
Step 5: Choose a Home That Fits the Next 20 Years
- Single-level living: Many retirees prioritize a primary bedroom on the main floor and few or no steps at the entry.
- Low maintenance: Patio homes and villas with HOA-maintained yards are popular. See our patio home and villa guide.
- HOA fit: Review dues, amenities, rules and reserve funds before you commit.
- Elevated beach homes: Stairs are a fact of life on the islands. Some homes have elevators, which can make island living workable long term.
Step 6: Expect Growth
Brunswick County is growing fast. Port City Daily, citing the N.C. Office of State Budget and Management, reported the county grew 24% between 2020 and 2024. Growth brings new shopping and services, but also more traffic and construction. Ask about planned developments and road projects near any home you are considering.
Retiring to Brunswick County FAQ
Does North Carolina tax Social Security?
No. Social Security benefits included in federal adjusted gross income can be deducted on the North Carolina return, according to NCDOR.
Which Brunswick County town is best for retirees?
It depends on what you want: Leland for Wilmington access, Southport for a walkable downtown, the islands for beach life, or South Brunswick for golf communities and newer shopping.
Where are the hospitals?
Novant Health Brunswick Medical Center is in Bolivia, and Dosher Memorial Hospital is in Southport. Many residents also use Wilmington for specialty care.
Should I rent before I buy?
For many retirees, renting for a season is a smart way to test a town, especially if you are choosing between the islands and the mainland.
Let’s Find Your Place in Brunswick County
We help retirees compare towns, communities and homes across Brunswick County with an eye on the details that matter long term. Reach out to Aspyre Collective to start planning your move.
