5 Reasons to Retire on Florida’s Emerald Coast

5 Reasons to Retire on Florida’s Emerald Coast

  • Yvonne Summerfield
  • 12/25/22

For those looking to enjoy their retirement in a warmer climate, the Emerald Coast is a long stretch of beaches and luxury condominiums along the coast of Florida right on the Gulf of Mexico. When you are ready to forget about winter and relax on the beach, this coastal community will welcome you with open arms. You can continue golfing in the winter and basking in the sun, while some have to worry about the snow and ice. 

In addition to the tropical weather, Florida also has tax benefits for residents and retirees. There is no state income tax, and residents do not pay taxes on an IRA, 401K, or social security. The money you save yearly on taxes can stay in your savings or be put towards a pampering vacation. The city’s restaurants offer locally sourced seafood eateries, and the local atmosphere promotes fun and pampering. With many people moving to Florida for similar reasons, like retirement and affordable living, residents have a lot in common and are able to connect with one another through common interests. From financial benefits to consistent sunshine, there are so many reasons why Florida is a great place for those looking to retire.

Sun, sand, and surf


The Sunshine State stays true to its name and allows residents to get outside and stay active through all seasons. Those who enjoy golf or tennis can continue to hone their skills at their condominium's onsite court or one of many public or private facilities. Residents can take up new hobbies they have always wanted to try or spend their time outdoors enjoying nature or their private pool.

The calm waters of the gulf are perfect for paddleboarding and kayaking, and the white-sand beaches are ideal for napping and people-watching. Having beaches in your backyard incentivizes your family to visit, or if everyone lives nearby, you can make beach days a tradition. When you live near a hub of activity, you always have an easy meeting point for friends and family get-togethers. Retiring in a beautiful locale next to pristine waters is for those who appreciate the finer things in life.

Tax benefits

People are flocking to the state, not just for the temperate conditions but also for the tax incentives. Florida has recently been ranked as one of the best states in the country to retire to, with one of the main reasons being the tax breaks. No income tax extends to social security and 401Ks, so you can spend more of what you worked hard to save. The low cost of living in Florida means your retirement funds can be stretched further. As you enjoy this new chapter of your life, you can be sure that you are making the most prudent decision for your savings account.

Dinner and a show

If paying less in taxes sounds like a dream, but you're not one for sports, there is a plethora of other activities around the Emerald coast that could keep you and your family entertained. There are many top-tier Destin restaurants that are worth checking out, like Louisiana Lagniappe, which serves cajun-inspired seafood dishes that use freshly caught ingredients. There are many popular surf and turf options along the coast. Whether you need to celebrate a milestone anniversary or meet friends for lunch, the local dining options are varied, with options for everyone.

The cities along the Emerald Coast combine urban convenience with natural beauty. While the beaches remain an option, you can still find movie theaters and laser tag nearby for the days you don’t want to be outside. Retirement means the fun is beginning, and there is so much to explore both in the city and in nature.

Boating and fishing


Those who enjoy sport fishing will appreciate the abundance of wildlife in the Gulf of Mexico. With the booming tourism industry, many fishing charters and boat tours are available. If you want to experience fishing before committing to buying the gear, renting a charter for the day can be a safe way to try out the hobby. For those who boat or sail, there is a community of boating enthusiasts and plenty of marinas in the area that could house your vessel. Living on the gulf means spending a day on the water whenever you want, and the weather will usually work for you. And if you do not have a boat, you can fish off of most piers in the area and bring home some freshly caught seafood.

Keep a busy social calendar

The Emerald Coast has a retirement community that interacts with each other through shared interests and activities. There are groups who meet to go paddleboarding or running, among other events that have led to meaningful connections. The Florida weather means that there are so many ways for you to get out there, meet your neighbors, and make new acquaintances. There are national parks and springs in the area where you can walk through unkempt nature or float down a river. While you could remain a recluse, there are crafting clubs and sports groups that are eager for new members.

Are you looking for reliable representation?

When you are ready to start looking at the Santa Rosa Beach homes for sale or the Fort Walton Beach condos for sale, you should consult a seasoned real estate agent who can guide you through the process. When shopping for a retirement home, it is essential that your specifications are met and that you are happy when you get to the closing table.

You deserve to find your dream home and enjoy your golden years in comfort. Yvonne Summerfield will take the time to help you find the perfect property for you and your family's needs. She will protect your interests and communicate so that you are informed throughout the transaction.


Let's Work Together

As one of RE/MAX's top selling agents nationwide and worldwide, I am uniquely qualified to help you with your real estate needs along one of the most beautiful coastlines in the world. It is my privilege and goal to be of service to you, providing exceptional representation with the highest levels of integrity, discretion and professionalism. For over 18 years homeowners have entrusted me to represent them in over half a billion dollars in real estate transactions. I'm ready to help you with a purchase or sale by providing you with outstanding service and outstanding results.

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