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Sumter, South Carolina Retirement Guide
Retirement Score
Sumter, South Carolina at a Glance
- Median Home Price
- $171,400
- State Income Tax
- State income tax; Social Security fully exempt; generous retirement income deduction.
- Avg January Low
- 39.4°F
- Cost of Living Index
- 93.3 (US avg = 100)
- Best For
- established retirement community
- RetireCityIQ Score
- 52 / 100
Overview
Explore the key retirement factors for Sumter, South Carolina, including cost of living, taxes, healthcare quality, and climate data.
Cost of Living
Affordability Metrics
Sumter's cost of living is 6.700000000000003% below the national average. For a detailed breakdown of expenses, see our cost of living methodology.
Housing
Real Estate & Housing
10-Year Housing Stress Test (Estimate)
Estimate monthly homeowner carrying cost in Sumter using median home price and adjustable assumptions. Stress case applies +10% property tax, +20% insurance, +10% maintenance.
Estimated monthly carrying cost
$371
Stress-case monthly carrying cost
$417
Median home price used: $171,400
Median rent reference: $1,019 / month
Estimate includes property tax, insurance, maintenance reserve, and HOA. It excludes mortgage, utilities, and one-time transaction costs.
Budget validation
Calculate if your savings last in this city
Use RetireFree to test whether your portfolio can support retirement in Sumter, South Carolina after local housing costs, taxes, healthcare, inflation, and withdrawal timing.
Open the RetireFree Calculator →Healthcare
Access & Quality
Quality of care and specialist availability are critical for a successful retirement. Sumter scores 27.3 out of 100 for healthcare access.
Care planning link
Find local assisted living in Sumter
If your city research includes aging parents, future care needs, or a move closer to family, compare local care options alongside housing and healthcare access.
Assisted living in Sumter →Taxes
State Tax Climate
South Carolina has a tax environment that is moderate for retirees.Read more in our detailed South Carolina tax guide.
Climate
Weather & Environment
With 302 sunny days a year and an average January low of 39.4°F, Sumter offers a traditional winter climate.
Safety & Walkability
Community Safety
Walkability
Demographics
Population Profile
Diversity Breakdown
Frequently asked questions about retiring in Sumter
Is Sumter, South Carolina a good place to retire?▾
Sumter, South Carolina is one of the US retirement-friendly cities tracked by RetireCityIQ. Notable retirement-relevant traits include established retirement community. See the at-a-glance card on this page for the cost of living, state tax treatment, climate, and healthcare access metrics.
What is the cost of living in Sumter, South Carolina for retirees?▾
The cost-of-living index is 93, roughly 7% below the national average of 100. Median home price is around $171,400.
Does South Carolina tax Social Security or retirement income?▾
For South Carolina residents: State income tax; Social Security fully exempt; generous retirement income deduction.
What is the climate like in Sumter, South Carolina?▾
Sumter, South Carolina has January average low around 39°F, July average high around 91°F. Climate normals are based on 30-year averages from NOAA's National Centers for Environmental Information.
What is healthcare access like in Sumter, South Carolina?▾
Sumter scores 27/100 on the RetireCityIQ healthcare access index — a limited score. The index combines CMS hospital quality ratings, Medicare Advantage plan availability, and hospitals per 100,000 residents (KFF + CMS data).