No Social Security tax. Cost of living 40% below Florida. Nine golf courses. Two lakes. A national park in your backyard. And a home that costs half what you'd pay anywhere else.
Lower costs. Less traffic. No hurricanes. A community that actually feels like home. Hot Springs is quietly becoming America's favorite retirement destination — and the people moving here aren't looking back.
See what your retirement dollars buy in Hot Springs compared to where everyone else is going.
| Factor | Hot Springs, AR | Naples, FL | Scottsdale, AZ | Charleston, SC |
|---|---|---|---|---|
| Median Home Price | $245,000 | $625,000 | $680,000 | $475,000 |
| Social Security Tax | None | None | None | Taxed |
| Property Tax (on $300K home) | ~$1,800/yr | ~$3,600/yr | ~$2,400/yr | ~$2,100/yr |
| Homeowner's Insurance | ~$1,200/yr | ~$4,800/yr | ~$1,600/yr | ~$3,200/yr |
| Hurricane Risk | None | High | None | High |
| Golf Courses (within 30 min) | 12+ | 80+ | 50+ | 20+ |
| Cost of Living Index | 82 | 118 | 121 | 110 |
| Traffic / Congestion | Minimal | Severe (season) | Heavy | Moderate |
| National Park Access | In the city | Everglades (90 min) | Saguaro (2 hrs) | Congaree (2 hrs) |
Select where you're moving from and enter your current home value to see the difference.
"We sold our house in Dallas for $650,000 and bought a waterfront home on Lake Hamilton for $380,000. We retired with money in the bank instead of a mortgage."Retired Couple from Texas
Whether you want fairway views, lake sunsets, or a low-maintenance lock-and-leave, Hot Springs has a home that fits your next chapter.
Lake Hamilton & Lake Catherine — fish from your dock, kayak at sunrise, live the lake life
9 championship courses in Hot Springs Village — fairway views from your back porch
Condos, townhomes, and patio homes — lock the door and travel without worry
Just 4 hours from DFW. Same outdoor culture, same friendly people — at a fraction of the price. Trade your $500K suburban ranch for a lakefront home with money to spare.
Trade $1M mortgages for paid-off lakefront homes. Your equity goes 3x further here. Same sunshine, real seasons, and a community where people actually know your name.
Same warm weather, no hurricanes, and 60% cheaper insurance. Everything you moved to Florida for — minus the traffic, crowds, and rising costs that made you want to leave.
Escape the taxes and winters, keep the quality of life. Your property taxes alone could drop by $8,000 a year. Four mild seasons instead of six months of gray.
When you're buying the home you'll live in for the next 20 years, you need more than a salesperson. You need someone who knows what's behind the walls.
Mark Bergeron is a REALTOR® with home inspector certification. He evaluates every property for structural issues, moisture problems, and hidden defects that other agents miss.
When Mark finds problems, Nancy uses them as leverage to negotiate price reductions. One catch on a foundation issue can save you $30,000-$50,000 at closing.
Accessibility, single-story living, low-maintenance materials, energy efficiency — Mark evaluates what matters most for a home you'll age in comfortably.
Nancy Bergeron and Mark Bergeron are the #1 team at Keller Williams in the region. 69+ five-star reviews. $110M+ in sales. They know every neighborhood in Hot Springs.
"We looked at Florida, the Carolinas, and Arizona. When we ran the numbers on Hot Springs, it wasn't even close. We got twice the house for half the money — and Nancy made the whole process effortless."
"Mark's inspection background was the reason we chose The Bergeron Group. He found moisture issues in the crawl space that the seller's inspector completely missed. That saved us $25,000 in repairs — or from buying the wrong house."
"We were out-of-state buyers who knew nothing about Hot Springs. Nancy spent weeks educating us — neighborhoods, tax advantages, healthcare, golf courses. She didn't just sell us a house, she sold us on a lifestyle. And she was right."
Golf course villa. Lakefront retreat. Mountain hideaway. Whatever your retirement looks like, The Bergeron Group will help you find it in Hot Springs.
Absolutely. Hot Springs is consistently ranked among America's best retirement destinations due to its low cost of living, no state tax on Social Security income, mild four-season climate, world-class recreation, natural hot springs, and welcoming community. Hot Springs Village, the largest gated community in the U.S., is especially popular with retirees.
No. Arkansas does not tax Social Security retirement benefits, making it one of the most tax-friendly states for retirees. Combined with affordable property taxes and no estate tax, your retirement income goes further in Hot Springs than in most popular retirement destinations.
Hot Springs Village is the largest gated community in the United States — over 26,000 acres of resort-style living in the Ouachita Mountains. It features 9 championship golf courses, 11 lakes, 30+ miles of trails, fitness centers, pickleball, tennis, beaches, restaurants, and a packed social calendar. Homes range from $100,000 to over $1 million.
Hot Springs' cost of living index is 82 — significantly below the national average of 100, and dramatically lower than Naples (118), Scottsdale (121), or Charleston (110). You can buy a beautiful home with mountain or lake views for a fraction of what a comparable property would cost in those markets.
Hot Springs has two major hospital systems (CHI St. Vincent and National Park Medical Center), numerous medical specialists, urgent care facilities, and a full range of healthcare services. The VA has a presence in the area, and Little Rock's major medical centers are about an hour away for specialized procedures.
Everything you need to know before making the move — in one free download.
Whether you're moving next month or planning for next year, tell us what you're looking for and we'll help you find the perfect home.
801 Central Ave, Ste 30
Hot Springs, AR 71901
Nancy Bergeron and Mark Bergeron have helped hundreds of retirees find their perfect Hot Springs home. Every inquiry is handled personally — we specialize in out-of-state relocations and know how to make a long-distance move seamless.
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Nancy Bergeron, Broker • Keller Williams Realty The Bergeron Group