Retiring in Virginia: Pros & Cons

With its rolling Blue Ridge Mountains, sparkling coastal waters, and deep-rooted history, Virginia offers a little bit of everything for retirees. Whether you picture yourself exploring colonial landmarks, relaxing lakeside, or enjoying a vibrant city scene, the Old Dominion blends charm, culture, and convenience into one inviting retirement destination.

Beyond its natural beauty and rich history, Virginia’s generally mild, four-season climate makes it easy to soak up all the outdoor fun year-round! Plus, with practical benefits like no state tax on Social Security income, retirees can make the most of their savings. In this guide, we’ll explore the pros and cons of retiring in Virginia and highlight some of the best places to call home. Let’s dive in and explore what makes Virginia a great place to retire.

What You Will Learn:

• Pros of Retiring in Virginia
• Cons of Retiring in Virginia
• Best Places to Retire in Virginia
• Why Choose Trilogy by Shea Homes for Your Next Chapter in Virginia

Estimated Reading Time: 8 minutes

What Are the Pros of Retiring in Virginia?

Retiring in Virginia comes with a mix of exciting opportunities and practical benefits. From scenic mountain trails to charming coastal towns, the state offers a variety of lifestyles for those looking to embrace their next chapter. Here are some of the biggest advantages of retiring in Virginia:

Climate with Mild, Four-Season Appeal

Virginia’s climate offers a comfortable balance of seasons, making it an appealing choice for retirees seeking variety without extreme temperatures. Often described as a "Goldilocks Climate," the state is neither too hot nor too cold, but just right (Virginia.org). The state features five distinct climate regions: the Tidewater, Piedmont, Northern Virginia, Western Mountain, and Southwestern Mountain. Each region offers its own unique weather patterns based on elevation and proximity to the Chesapeake Bay and the Atlantic Ocean. Coastal Tidewater areas tend to be warmer with mild winters, while the Western and Southwestern mountainous regions experience cooler summers and occasional snowfall. Northern Virginia offers a blend of both, with moderate seasonal changes that appeal to many lifestyles. This variety allows retirees to select a location that fits their personal preferences and pace.
 
Both spring and fall in Virginia offer particularly stunning scenery, making outdoor activities even more inviting. As flowers bloom across gardens and trails in the spring, the mild temperatures encourage hiking, biking, and exploring local parks. In the fall, Virginia’s forests burst into a dazzling array of red, orange, and gold, providing breathtaking backdrops for scenic drives and leisurely walks. With its ever-changing landscapes, Virginia offers retirees a beautiful and comfortable environment to enjoy the outdoors throughout the year.

Scenic Beauty and Outdoor Recreation

Virginia’s landscapes range from the majestic Blue Ridge Mountains to the serene shores of the Atlantic, offering endless opportunities for outdoor enthusiasts. Shenandoah National Park is a must-visit, featuring breathtaking hikes like Old Rag Mountain Trail, known for its rewarding summit views. Big Meadows is a prime spot for birdwatching, especially in autumn when vibrant foliage sets the scene. The park is also home to Skyline Drive, a 105-mile drive near ThreeOaks™ - a Trilogy® Boutique Community™ in Culpeper, offering scenic overlooks and prime leaf-peeping spots.
 
Wintergreen Resort offers skiing, snowboarding, and tubing for winter sports enthusiasts, making it a great place to embrace the colder months. Those drawn to the water can enjoy boating on the Chesapeake Bay or relaxing lakeside at our Trilogy® community at Lake Frederick, where residents can access kayaking, fishing, and miles of scenic trails right in their community.

Rich Cultural and Historical Heritage

For those who appreciate history and culture, Virginia delivers. Home to iconic sites like Colonial Williamsburg, Jamestown, Monticello, and Mount Vernon, retirees can step into the past with daily reenactments and well-preserved landmarks that bring history to life.
 
Beyond its historic sites, Virginia is home to a thriving arts and entertainment scene. Residents can explore the Virginia Museum of Fine Arts in Richmond, watch world-class performances at the American Shakespeare Center in Staunton, or enjoy live music under the stars at Wolf Trap National Park for the Performing Arts in Vienna. Annual events like the Virginia Film Festival in Charlottesville, the Richmond Folk Festival, and the 3rd Thursday Summer Concert Series in Downtown Culpeper add even more entertainment and community engagement opportunities.
 
Virginia’s proximity to Washington, D.C., also makes day trips to the Smithsonian museums, the National Mall, and other national landmarks easy and accessible. History buffs can explore pivotal moments from the Civil War and American Revolution at sites like Manassas National Battlefield Park and Yorktown Battlefield. Whether you’re drawn to historic sites, arts and culture, or lively community events, Virginia offers retirees a rich and engaging lifestyle.

Potential Tax Benefits for Retirees

Virginia can also provide financial advantages for retirees, including no state tax on Social Security income, helping retirement savings go further. Those 65 and older may also qualify for tax subtractions that reduce their taxable income. Homeowners who are 65 or older may also qualify for personal property tax relief. Depending on the location, this relief may come as a tax exemption, a deferral, or a combination of both. Learn more about Virginia's property tax relief programs here.

Access to Quality Healthcare

Access to high-quality healthcare is a significant consideration for retirees, and Virginia excels in this area. The state is home to several top-rated hospitals, including UVA Medical Center, VCU Medical Center, and Inova Fairfax, ensuring residents can access excellent medical care. Virginia is also expanding specialty services in fields like cardiology, oncology, and geriatric care to meet the needs of its growing retiree population. Whether you're looking for quality routine checkups, specialized treatments, or cutting-edge medical advancements, Virginia provides exceptional healthcare options to support a thriving and healthy retirement.

What Are Some Cons of Retiring in Virginia?

While Virginia has plenty to offer, there are some factors retirees should consider:

Seasonal Weather Considerations

Virginia’s varied landscapes—from coastal shores to rolling hills and mountains—offer a range of scenery and activities to suit individual preferences. However, Virginia’s diverse geography means that climate can vary significantly, so selecting the right area can help retirees align their lifestyle with ideal weather conditions. Coastal areas like Virginia Beach enjoy mild winters but can experience occasional hurricanes and moderate flooding risks. Meanwhile, the Blue Ridge and Appalachian regions, including towns like Abingdon, receive significant snowfall in winter, making them ideal for snow lovers but requiring cold-weather preparedness.
 
The Piedmont region, which includes Richmond, tends to have warm, humid summers that may impact outdoor activities during peak months. However, for those who love seasonal changes, Virginia’s distinct four seasons provide a mix of mild springs, vibrant autumns, and snowy winters in higher elevations, creating a dynamic outdoor experience year-round.

Cost of Living

While Virginia offers a variety of lifestyle options, the cost of living is higher than the national average, which can be a factor to consider. Housing prices in Northern Virginia, particularly in areas close to Washington, D.C., also tend to be higher than the national average. Even in other parts of the state, costs for healthcare, property taxes, and daily expenses can vary depending on location. While some smaller towns and rural areas may offer more affordable options, retirees should carefully evaluate their budget and desired lifestyle when choosing where to settle.

Lack of Public Transportation/Traffic

Northern Virginia’s proximity to Washington, D.C., brings convenience but also comes with traffic congestion, especially during peak hours. While major cities like Richmond and Northern Virginia have public transportation options, many areas in the state are best explored by car. Ongoing infrastructure improvements are helping to enhance roadways and expand transit accessibility, making travel more convenient over time.

6 of the Best Places to Retire in Virginia

From vibrant cityscapes to peaceful lakeside retreats and charming small towns, Virginia offers a variety of retirement destinations tailored to different lifestyles. Whether you’re looking for rich cultural experiences, scenic outdoor adventures, or a strong sense of community, you’ll find a place that feels like home. Here are some of the best places to consider:

Lake Frederick – Tranquil Lakeside Living with Small-Town Charm

Nestled in the heart of the Shenandoah Valley, Lake Frederick offers a relaxed, lakeside environment perfect for those who love water-based activities. With scenic trails, fishing spots, and picturesque scenery, it’s an excellent destination for retirees who want to enjoy nature while still being close to modern conveniences.

If lakeside living is calling your name, Trilogy® at Lake Frederick provides a welcoming 55+ community with top-tier amenities. Imagine spending your mornings kayaking on the lake, afternoons exploring scenic hiking trails, or unwinding at the Shenandoah Lodge & Athletic Club—where farm-to-table dining, fitness classes, and social events make every evening something to look forward to. The community is conveniently located, with easy access to shopping, dining, and healthcare. Plus, traveling to see family or explore new destinations is simple with Dulles International Airport and Ronald Reagan Washington National Airport nearby. Whether you’re drawn to the stunning lake views, outdoor adventures, or a vibrant community, Lake Frederick is where retirees can feel at home.

Culpeper – Scenic, Small-Town Feel with Mountain Views

Located in the Piedmont region, Culpeper is a picture-perfect town with historic character and breathtaking views of the Blue Ridge Mountains. Named "Prettiest Town in Virginia" by Architectural Digest, Culpeper is beloved for its historic architecture, vibrant downtown, and welcoming atmosphere. Stroll through boutique shops, dine at locally owned restaurants, and soak in the town’s rich character.
 
For retirees looking to enjoy small-town charm and outdoor adventure, ThreeOaks™ - a Trilogy® Boutique Community™ in Culpeper offers the best of both worlds. With easy access to Skyline Drive in Shenandoah National Park, residents can take in stunning mountain views, explore scenic trails, and enjoy a lifestyle surrounded by nature. Complementing the community’s beautiful surroundings is the planned Club at ThreeOaks™, a stylish social hub designed to bring neighbors together in the pursuit of fun, fitness, and adventure. From curated dining experiences and social spaces to outdoor sports courts and fitness opportunities, life at ThreeOaks™ is all about living well and connecting often. Here, every day is an opportunity to do more of what you love, in a community designed to feel like home.

Richmond – Cultural Hub with Urban Amenities

Richmond, Virginia’s capital, is where historic charm meets modern energy. Stroll along cobblestone streets lined with historic landmarks, pop into a vibrant art gallery, or take in the lively food scene with award-winning restaurants. The city’s walkable neighborhoods and top-rated healthcare facilities make it an ideal choice for retirees looking for both convenience and culture as they enter their next phase of life.

Williamsburg – Historic Charm and Engaging Lifestyle

Williamsburg might be your ideal retirement destination if you love history and walkable communities. Home to Colonial Williamsburg, this city blends the past and present, offering engaging historical experiences, lively cultural events, and a thriving local dining scene. Its proximity to the coast makes for easy weekend getaways to the beach.

Charlottesville – College Town Charm with Scenic Beauty

Surrounded by rolling vineyards and home to the University of Virginia, Charlottesville delivers a blend of intellectual curiosity, scenic landscapes, and top-tier healthcare. Whether touring a winery, exploring charming boutiques, or taking in a concert at the Paramount Theater, this vibrant town offers a rich retirement experience with a balance of city energy and countryside serenity.

Virginia Beach – Coastal Living and Recreation

For retirees dreaming of ocean breezes and sandy toes, Virginia Beach offers miles of pristine coastline, a lively boardwalk, and endless opportunities for outdoor fun. Whether you’re soaking up the sun, biking along the oceanfront, or enjoying fresh seafood with a view, this laid-back city makes it easy to embrace coastal living. Virginia Beach also offers a lively entertainment scene with concerts, festivals, and various waterfront restaurants. Outdoor enthusiasts can enjoy water sports, golf courses, and scenic nature trails. Plus, with a lower cost of living than Northern Virginia, it’s an attractive option for retirees looking to enjoy a high quality of life by the coast.

Is Virginia a Good Place to Retire?

If you dream of a retirement filled with new experiences, breathtaking views, and a welcoming community, Virginia might be the perfect place to call home. Whether you're drawn to the Blue Ridge Mountains, the peaceful shores of Lake Frederick, or the lively energy of Richmond and Virginia Beach, there’s a community here to match your ideal lifestyle. With tax-friendly policies, high-quality healthcare, and thriving 55+ communities, Virginia is well-equipped to support an enjoyable and fulfilling retirement.
 

Why Choose Shea Homes or Trilogy for Your Next Chapter in Virginia

Shea Homes and Trilogy® 55+ communities provide thoughtfully designed homes and vibrant neighborhoods that foster active and fulfilling lifestyles. With communities like Trilogy® at Lake Frederick and ThreeOaks™ - a Trilogy® Boutique Community™, retirees can enjoy resort-style amenities, social events, and access to Virginia’s stunning landscapes.
 
Discover the perfect Shea Homes community for your lifestyle in Virginia! Explore our communities and find your ideal home for the next exciting chapter of your life.