Safest Places to Retire in Tennessee

Tennessee feels like a place where life slows down in all the right ways. Retirees love the laid-back Southern hospitality, the rolling hills that stretch as far as the eye can see, and the kind of mild weather that makes outdoor living a year-round treat. From the toe-tapping music of Nashville to the peaceful mountain views in the Smokies, Tennessee feels like home the second you settle in. Whether you want the energy of a lively city or the quiet charm of a small town, you’ll find a spot that fits you just right. And the best part? Life here won’t drain your hard-earned savings.

What Are the Safest Places to Retire in Tennessee?

Franklin

Violent Crime Rate: 2 per 1,000 people
Property Crime Rate: 10.4 per 1,000 people
Extreme Weather Risk: Moderate, with occasional tornadoes

Franklin feels like a small town with big appeal, blending history, charm, and modern living. Its downtown is known for brick-lined streets, local shops, and restaurants serving everything from Southern comfort food to farm-to-table dishes. History buffs can visit landmarks like Carnton Plantation or the Lotz House Museum, both offering a deep dive into the area’s Civil War past.

Catch a concert or movie at the beautifully restored art deco Franklin Theatre, or spend an afternoon at The Factory at Franklin, a former stove factory turned hub for shopping, dining, and art galleries.

For outdoor fun, Harlinsdale Farm is a favorite, with trails, a dog park, and even a fishing pond. The Natchez Trace Parkway, just minutes away, offers scenic drives, hiking trails, and plenty of spots for picnicking or a leisurely stroll.

Housing options in Franklin range from upscale neighborhoods to charming cottages near downtown. It’s more expensive than some other Tennessee towns, but the safety, amenities, and overall quality of life make it a top pick for retirees.

Williamson Medical Center is a 203-bed acute care facility that serves the Franklin community. They offer a wide range of services, including:

• Emergency Care: 24/7 emergency services for urgent needs.

• Cardiology Services: Heart health diagnostics and treatments.

• Orthopedics: Joint replacements and physical therapy.

• Senior Wellness Programs: Chronic disease management and fall prevention.

• Women’s Health: A women’s center with a variety of services, including mammography.

• Cancer Care: A cancer center offering chemotherapy, radiation therapy, and support services.

• Surgery: Inpatient and outpatient surgical services.

Weather in Franklin:

• Summer: Warm, with highs in the mid-80s°F

• Winter: Mild, with lows in the 30s°F

• Spring/Fall: Perfect for outdoor activities, with comfortable, sunny days

Knoxville

Violent Crime Rate: 8.4 per 1,000 people
Property Crime Rate: 39.6 per 1,000 people
Extreme Weather Risk: Low, but occasional severe thunderstorms and winter storms can occur

Knoxville is affordable but rich in cultural experiences, and is neighbor to the Great Smoky Mountains.

The city’s downtown area is lively and inviting, with Market Square as a favorite spot for outdoor dining, live music, and local shops. The historic Tennessee Theatre hosts Broadway shows, concerts, and classic films in a beautifully restored setting.

Outdoor enthusiasts will appreciate being close to Great Smoky Mountains National Park, ideal for hiking, fishing, or just soaking in the views. For those who prefer to stay closer to home, Ijams Nature Center offers walking trails and a peaceful escape. Art lovers can explore the Knoxville Museum of Art, which features regional exhibits and engaging programs.

You’ll find plenty of affordable housing in Knoxville, whether you want a quiet neighborhood or a senior-friendly community.

The University of Tennessee Medical Center (710 beds) provides top-notch healthcare services, including:

• Emergency Care: 24/7 services with a Level I Trauma Center

• Cardiology: Heart diagnostics, treatments, and rehab programs

• Oncology: Cancer care with advanced therapies and support groups

• Orthopedics: Joint replacements, spine care, and sports medicine

• Rehabilitation: Physical and occupational therapy for recovery

Weather in Knoxville:

• Summer: Warm, with highs in the upper 80s°F

• Winter: Mild, with lows in the 30s°F

• Spring/Fall: Comfortable and perfect for outdoor activities

Maryville

Violent Crime Rate: 1.8 per 1,000 people
Property Crime Rate: 9 per 1,000 people
Extreme Weather Risk: Low

Maryville sits at the base of the Great Smoky Mountains, offering retirees a mix of natural beauty, small-town charm, and a friendly community. The pace of life is slower here, making it a great spot to enjoy the outdoors or connect with neighbors who share your interests.

Maryville’s downtown area feels like a step back in time, with local shops, cozy cafes, and seasonal events that bring the town together. Nature is a big draw, with Greenbelt Park providing peaceful walking trails and the Foothills Parkway offering scenic drives with views that never get old. For water lovers, Little River is a great spot to fish, kayak, or just relax by the shore.

If you enjoy history and culture, don’t miss the Smoky Mountain Scottish Festival or the Foothills Fall Festival, where you can meet locals and soak up the vibrant community vibe.

Maryville is budget-friendly for retirees, with a cost of living below the national average. Housing options include everything from affordable single-family homes in quiet neighborhoods to senior-friendly communities near town.

While many residents own cars for errands and appointments, downtown is walkable and easy to navigate.

Blount Memorial Hospital, a 304-bed facility, ensures that quality care is close to home. Services include:

• Emergency Care: 24/7 for urgent needs.

• Cardiology: Comprehensive diagnostics and treatments.

• Orthopedics: Joint replacements and spine care.

• Rehabilitation: Physical and occupational therapy.

• Women’s Health: Mammograms and wellness screenings.

Weather in Maryville:

• Summer: Warm, with highs in the low 80s°F and occasional stretches into the 90s

• Winter: Cool, with lows in the 20s°F

• Spring/Fall: Mild and breezy

Chattanooga

Violent Crime Rate: 11.3 per 1,000 people
Property Crime Rate: 52.4 per 1,000 people
Extreme Weather Risk: Moderate, with occasional storms

Chattanooga feels like the best of both worlds—a city full of energy but close to nature. Sitting along the Tennessee River and surrounded by mountains, it’s perfect for retirees who love to stay active without giving up city perks.

Downtown Chattanooga has a little bit of everything. The Tennessee Aquarium is a must-see, with impressive exhibits for nature lovers. If you’re into art, check out the Hunter Museum of American Art or spend the afternoon wandering through the Bluff View Art District, where you’ll find galleries, cafes, and amazing river views.

Lookout Mountain is perfect for hiking, enjoying breathtaking views, or exploring historical spots. The Tennessee Riverwalk makes for a relaxing stroll or bike ride, and the Tennessee River is great for kayaking or paddleboarding.

Chattanooga is affordable compared to other cities its size. Housing is budget-friendly, whether you want a riverfront condo or a quiet home in the suburbs.

Your daily commute will be hassle-free thanks to the Chattanooga Area Regional Transportation Authority (CARTA). Still, many residents prefer having a car for errands outside downtown.

Chattanooga’s healthcare system is reliable and comprehensive. CHI Memorial Hospital (357 beds)offers:

• Emergency Care: 24/7 with a Level III Trauma Center.

• Cardiology: Full heart health services.

• Orthopedics: Joint replacements, spine care, and therapy.

• Cancer Care: Chemo, radiation, and support programs.

• Rehabilitation: Physical and occupational therapy.

• Women’s Health: Mammograms and specialized care.

Weather in Chattanooga:

• Summer: Hot, with highs in the low 90s°F

• Winter: Mild, with lows in the 30s°F, icy roads can happen occasionally, but rarely

• Spring/Fall: Mild, pleasant temperatures.

Cookeville

Violent Crime Rate: 2.5 per 1,000 people
Property Crime Rate: 25.2 per 1,000 people
Extreme Weather Risk: Low

Cookeville feels like a breath of fresh air for retirees. You’ve got scenic parks, a welcoming downtown, and a wealth of housing options that makes it easy—and afffordable—to enjoy your golden years.

Nature is everywhere in Cookeville. Cane Creek Park is a local favorite with walking trails, fishing spots, and picnic areas perfect for a quiet afternoon. If you want a little more adventure, head to Burgess Falls State Park to see stunning waterfalls or spend the day swimming and relaxing at Cummins Falls State Park. For retirees who enjoy water activities, Center Hill Lake is close by and offers boating, fishing, and peaceful views.

Downtown Cookeville is warm and welcoming. You’ll find historic buildings, cozy cafes, and unique shops. It’s a great place to meet up with friends, grab lunch, or browse the farmers market on weekends. The community vibe here makes it easy to feel at home.

Cookeville is easy on the budget. Retirees can choose from senior apartments, single-family homes, or neighborhoods that are quiet but close to everything you need. The cost of living here is lower than the state and national averages. It’s a smart choice for retirees looking to stretch their savings without giving up quality of life.

Cookeville Regional Medical Center is a 247-bed hospital offering:

• 24/7 Emergency Services for urgent care.

• Cardiology for heart health needs.

• Orthopedics for joint replacements and recovery.

• Cancer Care with chemotherapy and radiation therapy.

• Rehabilitation for physical and occupational therapy.

• Women’s Health services, including mammograms.

What Are the Best Healthcare Options for Seniors in Tennessee?

• Vanderbilt University Medical Center (Nashville): Top-ranked for geriatric and cardiac care

• UT Medical Center (Knoxville): Known for cancer and orthopedic services

• CHI Memorial Hospital (Chattanooga): Offers strong cardiology and oncology care

Which City Has the Lowest Crime Rate?

Franklin stands out with a violent crime rate of 1.4 per 1,000 and a property crime rate of 10.8 per 1,000. Maryville also ranks high in safety, offering retirees peace of mind along with stunning views of the Smoky Mountains. Both towns provide safe, welcoming communities perfect for retirement.

Is Tennessee Senior-Friendly and Accessible?

Pros

• Affordable Living: Housing and taxes are lower than the national average.

• Outdoor Activities: Great for hiking, fishing, and exploring nature.

• Southern Hospitality: Southern hospitality is a real thing in Tennessee! Retirees often comment on how welcoming and helpful the people are.

• Culture: Tennessee has a rich musical heritage and a vibrant arts and culture scene, with museums, theaters, and music venues in cities like Nashville, Memphis, and Knoxville.

Cons

• Weather Risks: Tornadoes and severe storms are possible. Tennessee averages around 50 tornadoes per year.

• Humidity: Summers can be warm and humid, especially in low-lying areas and Westen parts of the state.

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