Home                             Vol V   Issue 17                       April 26, 2010                       Previous Issues

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Southern Hospitality Combined with a Vibrant Collegiate Atmosphere, Not to Mention a Lower Cost of Living, Bring Retirees to Pretty Clemson, South Carolina

Cost of Living:  Below the National Average

Tucked away in the rural northwestern section of South Carolina known as the "Upcountry," Clemson, South Carolina (population 13,000) is surrounded by wooded countryside brimming with sparkling lakes and rolling mountains.  A youthful population, a boisterous football season and an active cultural scene are reasons that retirees come here, a pretty town whose character is completely defined by the school, Clemson University (population 17,000), that makes its home here.  Not everyone wants to retire in such a lively place, but Clemson has a lot to offer, including a reasonable cost of living, lake recreation, a crime rate below the national average and a good senior support system.   Of the population, 16% is age 45 to 64, and 13% is age 65 or above.

 

 

After the Civil War, members of South Carolina's ruling class began to build second homes in the spot that would one day become the village of Clemson.  With the founding of the University in 1893 (originally Clemson College and for years an all male military school), the area began to grow and prosper.  Luckily for today's retirees, however, Clemson, unlike many college towns, never became overpriced and still has a cost of living that is roughly 15% below the national average.  The median home price of $179,000 will fetch a 3 bedroom, 3 bath home with mature landscaping in an established, middle-income neighborhood.  Modest but well-kept, brick, ranch-style homes are available for less than $150,000.    Clemson University is on the north and west sides of town, so homes at the opposite end of campus are the best bet for finding a quiet neighborhood.  Apartments are plentiful, but most are occupied by students.

 

Property tax is calculated at 4% of a residence's fair market value multiplied by 206 mills per $1,000 of the assessed value.  There are also several credits that come into play, so, for example, the annual taxes on a $200,000 home would be roughly $1,320.    Qualified retirement income is taxed, but there is a $15,000 deduction per spouse at age 65.  Social Security is exempt from state income tax.  The state sales tax rate is 6%

Many small towns can feel insular and not all that welcoming to newcomers, but thanks to the University, Clemson has a diverse population and newcomers arriving all the time.   The town retains a friendly small town ambiance but manages to combine that with lots of activities to keep many a retiree busy.  The first class Brooks Center for the Performing Arts brings all kinds of talent to town, including string quartets, jazz violinists and choral ensembles; the Center also presents a full season of dance performances and theater productions.  The Clemson Art Center offers reasonably priced, high quality classes in fine art, writing and music to all ages and skill levels and exhibits local artists' works.  The Clemson Little Theater mounts productions throughout the year, and the South Carolina Botanic Gardens houses some historic structures and is a delightful spot in which to spend a leisurely afternoon.   For outdoor lovers, pretty Lake Hartwell, along which Clemson is nestled, is a 56,000-acre recreation Paradise, giving retirees ample access to some outstanding fishing, boating and swimming venues.   Lake Keowee, just to the west, also attracts water devotees.  

Clemson, South Carolina


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This is an interactive map.  Click on the arrows in the upper left hand corner to move the map to the East, West, North or South, and click (more than once if necessary) on the +/- signs to zoom in and out.

Of course, retirees in search of days full of watching sports will love Clemson.  Football in this part of the country is practically a religion, and each Saturday afternoon during the autumn, 80,000 crazed fans fill the football stadium, cheering on their beloved Clemson Tigers.  There are also college baseball, basketball and soccer games in need of screaming fans.  And the Walker Golf Course at Clemson University has 18 holes and 6,911 yards to enjoy.

Clemson, South Carolina, Continued....


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