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Home›Expert Advice›Thinking of Retiring? 12 Towns That May Surprise You (In a Bad Way)

Thinking of Retiring? 12 Towns That May Surprise You (In a Bad Way)

By Our Editorial Team  |  Published February 18, 2026

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6. Memphis, Tennessee

Memphis offers low home prices and rich musical history. Tennessee also has no state income tax.

However, crime rates—especially violent crime—remain significantly higher than national averages. Healthcare access varies, and economic disparities across neighborhoods are noticeable.

Retirees must research specific areas carefully rather than assuming affordability equals comfort.

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