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Southern Pines, North Carolina Retirement Guide
established retirement community
65
Retirement Score
Southern Pines, North Carolina at a Glance
- Median Home Price
- $378,000
- State Income Tax
- State income tax; Social Security fully exempt; limited pension exclusion.
- Avg January Low
- 35.4°F
- Cost of Living Index
- 94 (US avg = 100)
- Best For
- established retirement community
- RetireCityIQ Score
- 65 / 100
Retirement Data
Affordability
Cost of Living Index
94 (U.S. avg = 100)High confidence
BEA Regional Price Parities · Updated May 2026
Median Home Price
$378,000High confidence
U.S. Census ACS 5-Year · Updated June 2026
Median Monthly Rent
$1,201High confidence
U.S. Census ACS 5-Year · Updated June 2026
Taxes
Retirement Tax Score
45 / 100High confidence
Tax Foundation · Updated June 2026
Tax Details
State income tax; Social Security fully exempt; limited pension exclusion.High confidence
Tax Foundation · Updated June 2026
Retiree Readiness (Sprint 2)
Care Access Score (proxy)
100 / 100High confidence
RetireCityIQ proxy model · Updated June 2026
Aging-in-Place Score (proxy)
40.9 / 100High confidence
RetireCityIQ proxy model · Updated June 2026
Healthcare
Healthcare Access Score
100 / 100High confidence
CMS Hospital General Information + RetireCityIQ nearest-hospital radius model · Updated June 2026
Climate
Avg July High
88.8°FHigh confidence
Open-Meteo Historical Weather (ERA5) · Updated June 2026
Avg January Low
35.4°FHigh confidence
Open-Meteo Historical Weather (ERA5) · Updated June 2026
Annual Precipitation
46.5"High confidence
Open-Meteo Historical Weather (ERA5) · Updated June 2026
Sunny Days / Year
298 daysHigh confidence
Open-Meteo Historical Weather (ERA5) · Updated June 2026
Safety
Safety Score
93.1 / 100High confidence
FBI Crime Data Explorer · Updated June 2026
Walkability
Walk Score (proxy)
8.1 / 100High confidence
U.S. Census ACS 5-Year (B08301) · Updated June 2026
Transit Score (proxy)
0 / 100High confidence
U.S. Census ACS 5-Year (B08301) · Updated June 2026
Demographics
Population
15,701High confidence
U.S. Census ACS 5-Year · Updated June 2026
Median Age
38.4High confidence
U.S. Census ACS 5-Year · Updated June 2026
Age 65+
25.6%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Median Household Income
$81,867High confidence
U.S. Census ACS 5-Year · Updated June 2026
Community Profile
Owner-Occupied Housing
60.4%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Veterans
13.3%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Bachelor's Degree+
53.3%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Poverty Rate
9.7%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Diversity
White
75.5%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Black
13.3%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Hispanic/Latino
7.8%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Asian
3.0%High confidence
U.S. Census ACS 5-Year · Updated June 2026
10-Year Housing Stress Test (Estimate)
Estimate monthly homeowner carrying cost in Southern Pines using median home price and adjustable assumptions. Stress case applies +10% property tax, +20% insurance, +10% maintenance.
Estimated monthly carrying cost
$819
Stress-case monthly carrying cost
$920
Median home price used: $378,000
Median rent reference: $1,201 / month
Estimate includes property tax, insurance, maintenance reserve, and HOA. It excludes mortgage, utilities, and one-time transaction costs.
Local Professionals
Financial Advisors
THE PINES WEALTH MANAGEMENT, LLC
DREHER FINANCIAL PARTNERS
H. S. DREHER CAPITAL MANAGEMENT, LLC
THE PINES WEALTH MANAGEMENT, LLC
+17 more financial advisors available