Best place to retire with horses

I’m about 7 years out from retirement. I currently live on Central Coast of CA, and truly love it here. However, the tax burden in this state is already heavy, and seems to increase on a regular basis. Honestly, the only good thing we have from a tax perspective is Prop 13. So, give me some of your ideas.

Here is my wish list:
*Tax friendly state for retirees
*Horsey community
*access to good country for riding out
*NOT a fan of shoveling snow :wink:
*Reasonable cost of real estate

Ready, set, go!

I would go for Aiken or Ocala area. Aiken is less expensive and probably more tolerable in summer.

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Aiken has the Hitchcock Woods Trails
https://www.hitchcockwoods.org/learn/history

South Carolina does not tax Social Security retirement benefits and has a $15,000 deduction for seniors receiving any other type of retirement income. The state has some of the lowest property taxes in the country. Wages are taxed at normal rates, your marginal state tax rate is 4.0%.

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It depends primarily on your tolerance for heat and humidity and secondarily on your budget.

The Brooksville/Ocala/Gainesville, FL stretch meets all of your requirements, but in summer, and by summer I mean May through September, the weather is miserable. If you want to ride, you almost have to be up and out by shortly after sunrise. When I had a horse in training a couple of years ago, I used to go ride at 9 and it was already too hot by then for me. Alternatively, if you have a lighted arena, you can wait and ride around dusk. It’s still too hot, but bearable. And, real estate, as long as you don’t need to be right in the immediate Ocala area, is still quite reasonable.

Tennessee is also tax-friendly. The cousin of a friend has a small farm in the Cumberland Plateau area, I don’t recall exactly where, and says it’s a great place to live and have horses. But, I don’t have any firsthand knowledge.

I’m planning to move to the western corner of NC when I retire. NC isn’t especially tax-friendly to retirees, but I like the area and some parts are very horse-friendly. They do have winter but I’m assured that snow doesn’t come all that often and when it does, it doesn’t stay long. Of course, that’s what they all say. :slight_smile:

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Here’s an interesting article about the states without personal income tax, states that don’t tax pensions, and other factors. However, the last few paragraphs about alternative ways the states raise money is interesting:

https://www.thebalance.com/states-without-an-income-tax-3193345

A lot depends on the type of place you want to live. I used to live in New Mexico, and Colorado, and moving back east with high humidity was something I had to factor in when I made a career decision. Another thing to consider is it may be cheaper to live in certain areas for taxes, but utility, and property taxes can really hurt your pocketbook.

The way I evaluate a new place is to go to realtor . com, sign up for an account, put in a search strategy, and see if you can afford to live there, or even want to after seeing the living costs. Then I go to Google, and search:
city-data forum city name, state name. Look at the moving to, relocating, best areas, and sometimes you find a thread on why people moved away. You can see what actual residents think about an area, what the crime situation is, and a lot of other factors.

For example, someone I know was considering a job in Huntsville, AL. I found a thread on city-data about weather risks, and best areas of town, and found a great map with highlighted areas that had repeated issues with weather, since often the weather follows the terrain.

If you narrow your list down to two or three cities, you can post on here and ask what the horse scene is like.

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Fair Hill, MD

http://dnr.maryland.gov/publiclands/Pages/central/fairhill.aspx

I think the town is Elkton, but i’m not sure. There are absolutely fabulous trails for riding, and they have lots of fun equestrian competitions including Fair Hill International. It’s right in a corner of MD that borders PA and DE, so if you don’t want to buy a horse property that borders Fair Hill, you can get one pretty reasonable nearby, and I think there are some boarding facilities that have trail access if you want to skip the chores and board.

It’s near the Chesapeake Bay, and an easy drive to beach resorts. I think DE is a tax friendly state. It snows but heck, pay someone else to shovel. Or better yet - take up skiing!!

I might look at this one myself. Love the access to water. Probably keeps the humidity down?

My favorite part of the country, but cold. Really cold at times.

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Not south of the C&D Canal.

I can speak in depth about both Fair Hill, MD and Tennessee (although not of retirement).

I was born and raised a stone’s throw north of Fair Hill, just over the Pennsylvania state line. Less than 15 minutes away from the Natural Resource Area. Not long after my college graduation, I moved to the greater Nashville, TN area and stayed for 11 years. At the end of last spring, I moved back to the eastern shore of Maryland, about an hour south of Fair Hill.

I love Tennessee. I love Maryland, too. The novelty of moving back to Maryland has not worn off yet.

Feel free to PM me with questions on either area.

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Ocala.

Depends on what you consider cold.

I lived there for 35+ years.

Biting cold. Not Minnesota cold, but not South Carolina or Florida cold.

Too cold for me anymore. I don’t like riding below 45. Average highs-not average temps but average highs-don’t get above that for December, January, or February. Winters are harsh.

It gets into the teens and sometimes below zero.

Ocala or surrounding area. You really need to visit and look around, but it is an almost perfect place for horses.

You get the full range of temps and weather conditions in the Mid Atlantic area. And the full range of outdoor recreational activities that go along with it. Cold? Ski! Hot? Head to the beach! You can always find friends with cool toys like boats, and there are tons and tons and tons of good restaurants, shops and towns to wander in. Fair Hill is close to I-95, so NYC is a quick trip north and DC a quick (ha) trip south, with Philadelphia, Wilmington and Baltimore in between. Since you are retired, there is plenty of time to do those things.

I personally would not want to live south of North Carolina due to the heat, humidity, bugs and floods. It’s lowland and prone to flooding.

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I love Southern PA, 25 miles from Baltimore County, MD but I won’t retire here. Winters are Northeast cold with typically 30 inches of snow. An indoor is a must. I’d second Aiken/Greenville and add Southern Pines N.C. and Camden SC. Muggy in the summer but bearable.

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Texas, maybe around Austin, San Antonio? TX is tax friendly, no income tax and no sales tax on food and medicine (I believe). Hot but not as humid as FL. Tornado’s in warm months but not much for winters, except occasional ice storms. Real estate can be pricey, don’t know what property taxes are like.

Ocala is a good option. Hurricane season is June thru November and while they aren’t on the coast, hurricanes can still come across and effect them. Lots of thunderstorms and lightening in the summer. Bugs, humidity, wild critters, BUT it is beautiful, plenty of horse related activities and property can be had for a good price, property taxes aren’t bad either. Plenty of equine vets and hospitals. Ocala as far as a town, can’t really comment and good eats can’t comment. Ocala may not have the best human medical centers but there are plenty of options close by.

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Alpine Texas… The town is in the Davis Mountains at an elevation of 4,475 ft, [TABLE]
[TR]
[TD]Av. annual snowfall:[/TD]
[TD]1 inch
[/TD]
[/TR]
[/TABLE]
[TABLE]
[TR]
[TD]Annual high temperature:[/TD]
[TD]76°F[/TD]
[/TR]
[/TABLE]
[TABLE]
[TR]
[TD]Annual low temperature:[/TD]
[TD]47.1°F[/TD]
[/TR]
[/TABLE]

thousands of miles of riding

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I was going to recommend texas too. Some of my family just moved there, and it seems very horse friendly and definitely more budget friendly than CA!

Check out the price of hay in Ocala and have a heart attack.

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I’m a bit closer to retirement than you, 7 months out for me, and I’m in So Cal. My criteria for a retirement locale, should we decide to leave CA are as follows in no particular order:

High Speed Internet
Not too far from family
Ready Access to quality healthcare
Lower Taxes than CA
Reasonable Access to quality dressage training and shows
Little to no snow; prefer NONE ( I lived in Upper MI for 7 years!)
Socially liberal

I know people who omitted the 1st and last items on my list and lasted about 5 years before picking up and moving again.

We plan to spend the 1st year of my retirement visiting places to determine if we could be happy elsewhere. I simply love it in CA and would hate to leave.

All that said, our leading candidates are Central CA, Nevada, Arizona and Oregon.

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