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Retire in Duck, North Carolina?
Overview: Incorporated in 2002, tiny Duck is one of the newest additions to North Carolina's Outer Banks. Just 20 miles south of the Virginia state line, it has an affluent seaside ambiance. Dunescapes and wetlands dot the area, with Currituck Sound is to the west and the open ocean is to the east.
The town hosts a jazz festival, concert series, movie nights, rotating art exhibits and more. Most retailers are along the charming (but touristy), sound-side village center boardwalk and are locally owned. There are cozy book stores, chic boutiques, gourmet food markets, ice cream parlors, elegant eateries and even bait shops but no chain stores or chain restaurants. Town Park has an amphitheater and canoe access to the Sound, where sailing, paddling and fishing take place. The pristine, often uncrowded seven-mile beach is only open to residents and vacation home guests. Bikers, skaters and walkers share the seven-mile long Duck Trail in and around town. Duck is also a designated bird sanctuary, with more than 400 species in the area.
Streets are named after different duck species (Old Squaw Drive, Pintail Drive, etc.). As many homes sit inland as face the sound or ocean, but generally all are large, expensive and beautiful. Sanderling is a waterfront community with classic coastal architecture.
Population: 550 (city proper)
Age 45 or Better: 72%
Cost of Living: 43% above the national average
Median Home Price: $585,000
Climate: This area has hot, humid summers with temperatures in 80s and 90s and mild winters with temperatures in 40s, 50s and 60s. On average, it receives 56 inches of rain per year.
At Least One Hospital Accepts Medicare Patients? No. Outer Banks Hospital is 17 miles away in Nags Head and accepts Medicare patients.
At Least One Hospital Accredited by Joint Commission? No. Outer Banks Hospital is 17 miles away in Nags Head and is accredited.
Public Transit: No
Crime Rate: Meets the national average
Public Library: No, but neighboring Southern Shores has one.
Political Leanings: Conservative
College Educated: 60%
Is North Carolina Considered Tax Friendly for Retirement? Somewhat
Cons: The area is completely exposed if/when a hurricane strikes, and Duck was brushed by Florence in 2018 and Dorian in 2019.
Notes: Duck has a lot of vacation home owners and is very quiet during the winter. It has grown by 35% within the last decade. U.S. Army Corps of Engineers' Field Research Facility is just outside of town.
Recommended as a Retirement Spot? Yes, although the distance to an accredited hospital should be considered.
"Esse quam videri" is the motto of North Carolina, also known as the Tar Heel State. It was the 12th state to be admitted to the Union, joining the other states on November 21, 1789. North Carolina was also one of the Thirteen Colonies and was originally named the Province of Carolina. It was the second to the last state to declare its secession from the Union during the Civil War.
The state is situated in the Southeastern region of the United States and is bordered by South Carolina, Georgia, Tennessee and Virginia. The capital is Raleigh, but the largest city is Charlotte.
The historical people of North Carolina include the Chowanoke, Roanoke, Pamlico, Coree and Cape Fear Indians. The Revolutionary War impoverished the state of North Carolina for several years.
Charlotte is on a rapid growth streak thanks to its banking industry. North Carolina is also home to several universities, including the University of North Carolina, Duke University and North Carolina State University.
The state hosts more than 80% of the NASCAR racing teams and is the site of the Charlotte Motor Speedway. The Carolina Panthers represents North Carolina in the National Football League, and the Charlotte Bobcats play in the National Basketball Association.
Population - 10,147,788
Persons 65 years old and over - 16%
High school graduates, age 25+ - 86%
Bachelor's degree or higher, age 25+ - 25%
Persons of Hispanic or Latino origin - 10%
White persons, not Hispanic - 63%
Median household income - $46,868
Median home value - $162,500
Social Security taxed? No
Source: U.S. Census Bureau
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