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The Shore Life Blog

Why Everyone Is Retiring in Delaware (And it’s not just the tax breaks!)

Lewes | 08/3/21


A view of Lewes, Delaware

Finding an idyllic setting for your retirement home may be easier than you think. If Delaware isn’t on your shortlist, it probably should be. In fact, it’s a bit of a hidden gem.

You might want to get comfortable before asking someone who’s in the know, “Is Delaware a good place to retire?” You’ll quickly discover retiring in Delaware is a decision many retirees wish they’d made sooner — and with good reason!

 

Tax advantages are a big draw …

Practical matters like finances are a top concern when it comes to retirement planning. Retiring in Delaware is a smart money move because the state has one of the nation’s lowest property tax rates, along with exclusions for seniors on pension and 401(k) income and other tax credits for homeowners over the age of 65. You won’t find sales tax on purchases in Delaware, and the income tax is low in comparison to other states, as well.

All of that adds up to more money in the bank, which makes retiring in Delaware not only affordable but even financially advantageous.

 

But there’s so much more to love!

Money matters rate high, but if you’re wondering how to decide where to retire, don’t underestimate the importance of an enriching lifestyle. That’s one thing you’ll find in spades in Delaware.

 

Coastal Living

Given its position on the Eastern Seaboard, it’s no surprise there are plenty of scenic shorelines to enjoy in Delaware — but did you know the state boasts a whopping 28 miles of beaches? Lewes, where The Moorings at Lewes is located, is nestled along the point where the Delaware Bay meets the Atlantic Ocean. From here, you can access multiple public beaches including Lewes Beach, Cape Henlopen State Park Public Beach, and Beach Plum Island Nature Preserve. That means plentiful opportunities to appreciate the natural beauty, exercise on trails with waves crashing nearby, or simply kick off your shoes and feel the sand between your toes.

 

Outdoor Adventures

For nature lovers, it doesn’t get much better than Delaware, where you can find 10,000 acres of state parks within a short drive. Miles of hiking trails, wildlife and lush vegetation are just part of the appeal; many of the 16 parks offer water sports like hunting and fishing, and at Delaware Seashore State Park,  you’ll even find a charter fishing fleet. By land, you can play a round of golf or engage in some friendly competition on the tennis courts. Go camping (in a cabin or yurt if that’s more your style) or make plans to join in daily programs like guided hiking tours and historical demonstrations. Seasonal activities like hayrides and a summer concert series give you even more excuses to get out and enjoy the great outdoors in Delaware.

 

Small-Town Charm

Numerous quaint communities dot the Delaware coast, each offering a charm of its own. Affectionately dubbed a “walking town,” Lewes features a half-square-mile of delightful historic heritage, museums, boutiques, a vibrant cultural scene, and plenty more to discover. Don’t let its modest footprint fool you, though; the town is also home to plenty of contemporary amenities, including golf courses, factory outlet shops, the Osher Lifelong Learning Institute, and enriching community events hosted year-around. Retiring in Delaware is also a food-lover’s dream come true; the “Culinary Coast” is home to an expansive selection of incredible dining options, including many on the waterfront.

 

Rich History

Delaware was the first state to ratify the U.S. Constitution, and the coastal community of Lewes, originally settled by the Dutch in 1631, is known as the first town in the first state. Nearly 400 years later, you’ll find glimpses into the past everywhere you turn, from architecture and nearby battle sites to local lore about visits by the likes of Captain Kidd.

 

Near but Far

Tucked comfortably below the northern states and within easy travel distance of the South, Delaware is an excellent home base for retirees who enjoy jaunts to visit friends and family. Major metropolitan areas like Baltimore, New York, Philadelphia and Washington, D.C., are all within a 200-mile radius, putting the excitement of the big city in easy reach while enjoying everyday living away from the hustle and bustle.

 

If your retirement dream includes financial security, charming surroundings and plenty of opportunities to immerse yourself in a friendly coastal community, retiring in Delaware is a sound plan for your future. The Moorings at Lewes is a place you’ll be proud to call home, so make plans to visit and explore the lifestyle and amenities that await.