One of the most generous states for retirees — up to $130K per couple of retirement income excluded from state tax. Mild climate, mountains, and Atlanta as a hub.
| State income tax | Flat 5.29% |
| Social Security | Fully exempt |
| Pensions & 401k/IRA | $35K retirement income exclusion ages 62–64; $65K ages 65+ ($130K per couple). SS fully exempt. |
| Avg combined sales tax | 7.40% |
| Estate / inheritance tax | None |
Effective property tax: 0.81% (ranked #22 of 50 states).
Standard $2,000 homestead + larger exemptions for 65+ in many counties; double for 65+ with income under ~$10K
Cost of living index: 90.8 where the US average is 100 — about 9% cheaper than the national average.
Hot humid summers, mild winters in southern half; cooler in northern mountains. Long growing season.
Strong — Emory Healthcare (Atlanta), Piedmont Healthcare. Solid coverage in mid-sized cities.
Athens, Savannah, Blue Ridge
No, Georgia does not tax Social Security retirement benefits.
Flat 5.29%. $65K/person retirement exclusion at 65+ — among the most generous in the US.
Georgia's cost of living index is 90.8 where the US average is 100. Effective property tax averages 0.81% and combined sales tax averages 7.40%.
Popular retirement spots in Georgia include Athens, Savannah, Blue Ridge.
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Tax data current as of 2026 publication. Rates and rules change annually — verify with a CPA before relocating. This page is educational and not personalized tax or legal advice.