The Town Files

The 25 Best Affordable Small Towns to Retire in North Carolina With Mild Winters

Ranked on The Town Files lifestyle rankings among 479 towns of 500–10,000 people in North Carolina, scoring every town on all of these at once. #1 is Barker Ten Mile, NC.

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Numbers match the ranking.
The 25 Best Affordable Small Towns to Retire in North Carolina With Mild Winters1. Barker Ten Milescore 872. Trent Woodsscore 873. Cape Colonyscore 874. Newton Grovescore 845. Alliancescore 846. Arrowhead Beachscore 847. Lucamascore 848. Ellerbescore 839. Walnut Creekscore 8110. Bladenboroscore 8011. Boguescore 8012. Windsorscore 7913. Robersonvillescore 7914. Wagramscore 7915. White Lakescore 7816. Black Creekscore 7817. Brandywine Bayscore 7818. New Hopescore 7719. Grantsboroscore 7620. Baileyscore 7521. Red Oakscore 7522. River Bendscore 7523. Belhavenscore 7524. Wrightsboroscore 7525. Williamstonscore 75
  1. 25Williamston, North Carolina

    Retirement: 61st percentile · January average low (°F): 78th percentile · Home value ÷ income: 85th percentile

    Williamston is a town of 5,248 people in Martin County, North Carolina. Homes have a median value of $107,100 against household income of $38,738; January lows average 33°F.

    5,248 people · Martin County · median home $107,100 · income $38,738 · Jan low 33°F · 1 in snow

    Full Williamston, North Carolina profile: weather, storms, schools, jobs →

    Williamston: The 25 Best Affordable Small Towns to Retire in North Carolina With Mild Winters scoresRetirement61th pctMild winters78th pctAffordability85th pct
    Percentile vs North Carolina towns on each part of this ranking.
  2. 24Wrightsboro, North Carolina

    Retirement: 60th percentile · January average low (°F): 95th percentile · Home value ÷ income: 69th percentile

    Wrightsboro is a community of 5,526 people in New Hanover County, North Carolina. Homes have a median value of $255,700 against household income of $78,450; January lows average 36°F.

    5,526 people · New Hanover County · median home $255,700 · income $78,450 · Jan low 36°F · 1 in snow

    Full Wrightsboro, North Carolina profile: weather, storms, schools, jobs →

    Wrightsboro: The 25 Best Affordable Small Towns to Retire in North Carolina With Mild Winters scoresRetirement60th pctMild winters95th pctAffordability69th pct
    Percentile vs North Carolina towns on each part of this ranking.
  3. 23Belhaven, North Carolina

    Retirement: 78th percentile · January average low (°F): 74th percentile · Home value ÷ income: 72nd percentile

    Belhaven is a town of 1,410 people in Beaufort County, North Carolina. Homes have a median value of $103,000 against household income of $32,644; January lows average 33°F.

    1,410 people · Beaufort County · median home $103,000 · income $32,644 · Jan low 33°F · 1 in snow

    Full Belhaven, North Carolina profile: weather, storms, schools, jobs →

    Belhaven: The 25 Best Affordable Small Towns to Retire in North Carolina With Mild Winters scoresRetirement78th pctMild winters74th pctAffordability72th pct
    Percentile vs North Carolina towns on each part of this ranking.
  4. 22River Bend, North Carolina

    Retirement: 83rd percentile · January average low (°F): 90th percentile · Home value ÷ income: 52nd percentile

    River Bend is a town of 2,902 people in Craven County, North Carolina. Homes have a median value of $266,100 against household income of $71,824; January lows average 35°F.

    2,902 people · Craven County · median home $266,100 · income $71,824 · Jan low 35°F · 2 in snow

    Full River Bend, North Carolina profile: weather, storms, schools, jobs →

    River Bend: The 25 Best Affordable Small Towns to Retire in North Carolina With Mild Winters scoresRetirement83th pctMild winters90th pctAffordability52th pct
    Percentile vs North Carolina towns on each part of this ranking.
  5. 21Red Oak, North Carolina

    Retirement: 93rd percentile · January average low (°F): 52nd percentile · Home value ÷ income: 80th percentile

    Red Oak, North Carolina
    Photo: Nyttend (public domain, Wikimedia Commons)

    Red Oak is a town of 3,342 people in Nash County, North Carolina. Homes have a median value of $271,800 against household income of $90,214; January lows average 31°F.

    3,342 people · Nash County · median home $271,800 · income $90,214 · Jan low 31°F · 1 in snow

    Full Red Oak, North Carolina profile: weather, storms, schools, jobs →

    Red Oak: The 25 Best Affordable Small Towns to Retire in North Carolina With Mild Winters scoresRetirement93th pctMild winters52th pctAffordability80th pct
    Percentile vs North Carolina towns on each part of this ranking.
  6. 20Bailey, North Carolina

    Retirement: 61st percentile · January average low (°F): 77th percentile · Home value ÷ income: 88th percentile

    Bailey is a town of 568 people in Nash County, North Carolina. Homes have a median value of $155,700 against household income of $60,208; January lows average 33°F.

    568 people · Nash County · median home $155,700 · income $60,208 · Jan low 33°F · 2 in snow

    Full Bailey, North Carolina profile: weather, storms, schools, jobs →

    Bailey: The 25 Best Affordable Small Towns to Retire in North Carolina With Mild Winters scoresRetirement61th pctMild winters77th pctAffordability88th pct
    Percentile vs North Carolina towns on each part of this ranking.
  7. 19Grantsboro, North Carolina

    Retirement: 58th percentile · January average low (°F): 86th percentile · Home value ÷ income: 85th percentile

    Grantsboro is a town of 692 people in Pamlico County, North Carolina. Homes have a median value of $153,800 against household income of $54,583; January lows average 34°F.

    692 people · Pamlico County · median home $153,800 · income $54,583 · Jan low 34°F · 1 in snow

    Full Grantsboro, North Carolina profile: weather, storms, schools, jobs →

    Grantsboro: The 25 Best Affordable Small Towns to Retire in North Carolina With Mild Winters scoresRetirement58th pctMild winters86th pctAffordability85th pct
    Percentile vs North Carolina towns on each part of this ranking.
  8. 18New Hope, North Carolina

    Retirement: 57th percentile · January average low (°F): 88th percentile · Home value ÷ income: 85th percentile

    New Hope is a community of 1,588 people in Wayne County, North Carolina. Homes have a median value of $162,800 against household income of $58,667; January lows average 35°F.

    1,588 people · Wayne County · median home $162,800 · income $58,667 · Jan low 35°F · 2 in snow

    Full New Hope, North Carolina profile: weather, storms, schools, jobs →

    New Hope: The 25 Best Affordable Small Towns to Retire in North Carolina With Mild Winters scoresRetirement57th pctMild winters88th pctAffordability85th pct
    Percentile vs North Carolina towns on each part of this ranking.
  9. 17Brandywine Bay, North Carolina

    Retirement: 88th percentile · January average low (°F): 83rd percentile · Home value ÷ income: 62nd percentile

    Brandywine Bay is a community of 1,153 people in Carteret County, North Carolina. Homes have a median value of $371,500 against household income of $105,000; January lows average 34°F.

    1,153 people · Carteret County · median home $371,500 · income $105,000 · Jan low 34°F · 1 in snow

    Full Brandywine Bay, North Carolina profile: weather, storms, schools, jobs →

    Brandywine Bay: The 25 Best Affordable Small Towns to Retire in North Carolina With Mild Winters scoresRetirement88th pctMild winters83th pctAffordability62th pct
    Percentile vs North Carolina towns on each part of this ranking.
  10. 16Black Creek, North Carolina

    Retirement: 59th percentile · January average low (°F): 77th percentile · Home value ÷ income: 97th percentile

    Black Creek is a town of 692 people in Wilson County, North Carolina. Homes have a median value of $112,200 against household income of $53,750; January lows average 33°F.

    692 people · Wilson County · median home $112,200 · income $53,750 · Jan low 33°F · 2 in snow

    Full Black Creek, North Carolina profile: weather, storms, schools, jobs →

    Black Creek: The 25 Best Affordable Small Towns to Retire in North Carolina With Mild Winters scoresRetirement59th pctMild winters77th pctAffordability97th pct
    Percentile vs North Carolina towns on each part of this ranking.
  11. 15White Lake, North Carolina

    Retirement: 87th percentile · January average low (°F): 62nd percentile · Home value ÷ income: 85th percentile

    White Lake is a town of 843 people in Bladen County, North Carolina. Homes have a median value of $235,300 against household income of $84,375; January lows average 32°F.

    843 people · Bladen County · median home $235,300 · income $84,375 · Jan low 32°F · 1 in snow

    Full White Lake, North Carolina profile: weather, storms, schools, jobs →

    White Lake: The 25 Best Affordable Small Towns to Retire in North Carolina With Mild Winters scoresRetirement87th pctMild winters62th pctAffordability85th pct
    Percentile vs North Carolina towns on each part of this ranking.
  12. 14Wagram, North Carolina

    Retirement: 56th percentile · January average low (°F): 83rd percentile · Home value ÷ income: 97th percentile

    Wagram is a town of 615 people in Scotland County, North Carolina. Homes have a median value of $111,700 against household income of $52,159; January lows average 34°F.

    615 people · Scotland County · median home $111,700 · income $52,159 · Jan low 34°F · 1 in snow

    Full Wagram, North Carolina profile: weather, storms, schools, jobs →

    Wagram: The 25 Best Affordable Small Towns to Retire in North Carolina With Mild Winters scoresRetirement56th pctMild winters83th pctAffordability97th pct
    Percentile vs North Carolina towns on each part of this ranking.
  13. 13Robersonville, North Carolina

    Retirement: 64th percentile · January average low (°F): 78th percentile · Home value ÷ income: 94th percentile

    Robersonville is a town of 1,269 people in Martin County, North Carolina. Homes have a median value of $94,500 against household income of $43,523; January lows average 33°F.

    1,269 people · Martin County · median home $94,500 · income $43,523 · Jan low 33°F · 2 in snow

    Full Robersonville, North Carolina profile: weather, storms, schools, jobs →

    Robersonville: The 25 Best Affordable Small Towns to Retire in North Carolina With Mild Winters scoresRetirement64th pctMild winters78th pctAffordability94th pct
    Percentile vs North Carolina towns on each part of this ranking.
  14. 12Windsor, North Carolina

    Retirement: 69th percentile · January average low (°F): 78th percentile · Home value ÷ income: 91st percentile

    Windsor is a town of 3,582 people in Bertie County, North Carolina. Homes have a median value of $102,700 against household income of $40,714; January lows average 33°F.

    3,582 people · Bertie County · median home $102,700 · income $40,714 · Jan low 33°F · 1 in snow

    Full Windsor, North Carolina profile: weather, storms, schools, jobs →

    Windsor: The 25 Best Affordable Small Towns to Retire in North Carolina With Mild Winters scoresRetirement69th pctMild winters78th pctAffordability91th pct
    Percentile vs North Carolina towns on each part of this ranking.
  15. 11Bogue, North Carolina

    Retirement: 83rd percentile · January average low (°F): 83rd percentile · Home value ÷ income: 75th percentile

    Bogue is a town of 695 people in Carteret County, North Carolina. Homes have a median value of $291,100 against household income of $93,516; January lows average 34°F.

    695 people · Carteret County · median home $291,100 · income $93,516 · Jan low 34°F · 1 in snow

    Full Bogue, North Carolina profile: weather, storms, schools, jobs →

    Bogue: The 25 Best Affordable Small Towns to Retire in North Carolina With Mild Winters scoresRetirement83th pctMild winters83th pctAffordability75th pct
    Percentile vs North Carolina towns on each part of this ranking.
  16. 10Bladenboro, North Carolina

    Retirement: 74th percentile · January average low (°F): 69th percentile · Home value ÷ income: 98th percentile

    Bladenboro is a town of 1,648 people in Bladen County, North Carolina. Homes have a median value of $99,500 against household income of $52,337; January lows average 32°F.

    1,648 people · Bladen County · median home $99,500 · income $52,337 · Jan low 32°F · 1 in snow

    Full Bladenboro, North Carolina profile: weather, storms, schools, jobs →

    Bladenboro: The 25 Best Affordable Small Towns to Retire in North Carolina With Mild Winters scoresRetirement74th pctMild winters69th pctAffordability98th pct
    Percentile vs North Carolina towns on each part of this ranking.
  17. 9Walnut Creek, North Carolina

    Retirement: 69th percentile · January average low (°F): 88th percentile · Home value ÷ income: 85th percentile

    Walnut Creek is a village of 1,084 people in Wayne County, North Carolina. Homes have a median value of $468,700 against household income of $166,250; January lows average 35°F.

    1,084 people · Wayne County · median home $468,700 · income $166,250 · Jan low 35°F · 2 in snow

    Full Walnut Creek, North Carolina profile: weather, storms, schools, jobs →

    Walnut Creek: The 25 Best Affordable Small Towns to Retire in North Carolina With Mild Winters scoresRetirement69th pctMild winters88th pctAffordability85th pct
    Percentile vs North Carolina towns on each part of this ranking.
  18. 8Ellerbe, North Carolina

    Retirement: 81st percentile · January average low (°F): 74th percentile · Home value ÷ income: 94th percentile

    Ellerbe is a town of 864 people in Richmond County, North Carolina. Homes have a median value of $78,000 against household income of $34,808; January lows average 33°F.

    864 people · Richmond County · median home $78,000 · income $34,808 · Jan low 33°F · 3 in snow

    Full Ellerbe, North Carolina profile: weather, storms, schools, jobs →

    Ellerbe: The 25 Best Affordable Small Towns to Retire in North Carolina With Mild Winters scoresRetirement81th pctMild winters74th pctAffordability94th pct
    Percentile vs North Carolina towns on each part of this ranking.
  19. 7Lucama, North Carolina

    Retirement: 78th percentile · January average low (°F): 77th percentile · Home value ÷ income: 97th percentile

    Lucama is a town of 1,036 people in Wilson County, North Carolina. Homes have a median value of $115,500 against household income of $54,583; January lows average 33°F.

    1,036 people · Wilson County · median home $115,500 · income $54,583 · Jan low 33°F · 2 in snow

    Full Lucama, North Carolina profile: weather, storms, schools, jobs →

    Lucama: The 25 Best Affordable Small Towns to Retire in North Carolina With Mild Winters scoresRetirement78th pctMild winters77th pctAffordability97th pct
    Percentile vs North Carolina towns on each part of this ranking.
  20. 6Arrowhead Beach, North Carolina

    Retirement: 86th percentile · January average low (°F): 87th percentile · Home value ÷ income: 80th percentile

    Arrowhead Beach is a community of 640 people in Chowan County, North Carolina. Homes have a median value of $198,200 against household income of $66,667; January lows average 34°F.

    640 people · Chowan County · median home $198,200 · income $66,667 · Jan low 34°F · 2 in snow

    Full Arrowhead Beach, North Carolina profile: weather, storms, schools, jobs →

    Arrowhead Beach: The 25 Best Affordable Small Towns to Retire in North Carolina With Mild Winters scoresRetirement86th pctMild winters87th pctAffordability80th pct
    Percentile vs North Carolina towns on each part of this ranking.
  21. 5Alliance, North Carolina

    Retirement: 82nd percentile · January average low (°F): 86th percentile · Home value ÷ income: 85th percentile

    Alliance is a town of 733 people in Pamlico County, North Carolina. Homes have a median value of $142,400 against household income of $50,341; January lows average 34°F.

    733 people · Pamlico County · median home $142,400 · income $50,341 · Jan low 34°F · 1 in snow

    Full Alliance, North Carolina profile: weather, storms, schools, jobs →

    Alliance: The 25 Best Affordable Small Towns to Retire in North Carolina With Mild Winters scoresRetirement82th pctMild winters86th pctAffordability85th pct
    Percentile vs North Carolina towns on each part of this ranking.
  22. 4Newton Grove, North Carolina

    Retirement: 86th percentile · January average low (°F): 73rd percentile · Home value ÷ income: 94th percentile

    Newton Grove is a town of 585 people in Sampson County, North Carolina. Homes have a median value of $149,600 against household income of $68,906; January lows average 32°F.

    585 people · Sampson County · median home $149,600 · income $68,906 · Jan low 32°F · 2 in snow

    Full Newton Grove, North Carolina profile: weather, storms, schools, jobs →

    Newton Grove: The 25 Best Affordable Small Towns to Retire in North Carolina With Mild Winters scoresRetirement86th pctMild winters73th pctAffordability94th pct
    Percentile vs North Carolina towns on each part of this ranking.
  23. 3Cape Colony, North Carolina

    Retirement: 88th percentile · January average low (°F): 87th percentile · Home value ÷ income: 85th percentile

    Cape Colony is a community of 691 people in Chowan County, North Carolina. Homes have a median value of $221,400 against household income of $78,152; January lows average 34°F.

    691 people · Chowan County · median home $221,400 · income $78,152 · Jan low 34°F · 2 in snow

    Full Cape Colony, North Carolina profile: weather, storms, schools, jobs →

    Cape Colony: The 25 Best Affordable Small Towns to Retire in North Carolina With Mild Winters scoresRetirement88th pctMild winters87th pctAffordability85th pct
    Percentile vs North Carolina towns on each part of this ranking.
  24. 2Trent Woods, North Carolina

    Retirement: 98th percentile · January average low (°F): 90th percentile · Home value ÷ income: 72nd percentile

    Trent Woods is a town of 4,074 people in Craven County, North Carolina. Homes have a median value of $343,100 against household income of $107,802; January lows average 35°F.

    4,074 people · Craven County · median home $343,100 · income $107,802 · Jan low 35°F · 2 in snow

    Full Trent Woods, North Carolina profile: weather, storms, schools, jobs →

    Trent Woods: The 25 Best Affordable Small Towns to Retire in North Carolina With Mild Winters scoresRetirement98th pctMild winters90th pctAffordability72th pct
    Percentile vs North Carolina towns on each part of this ranking.
  25. 1Barker Ten Mile, North Carolina

    Retirement: 89th percentile · January average low (°F): 80th percentile · Home value ÷ income: 91st percentile

    Barker Ten Mile is a community of 937 people in Robeson County, North Carolina. Homes have a median value of $163,700 against household income of $66,667; January lows average 33°F.

    937 people · Robeson County · median home $163,700 · income $66,667 · Jan low 33°F · 1 in snow

    Full Barker Ten Mile, North Carolina profile: weather, storms, schools, jobs →

    Barker Ten Mile: The 25 Best Affordable Small Towns to Retire in North Carolina With Mild Winters scoresRetirement89th pctMild winters80th pctAffordability91th pct
    Percentile vs North Carolina towns on each part of this ranking.

Price vs ranking

Median home value vs ranking, North Carolina towns0255075100$27K$195K$364K$532K$701KMedian home valuePercentile
Orange squares are the 25 towns on this list; green dots are other towns on The Town Files in North Carolina.

More North Carolina rankings

Same ranking, other places

Methodology. We ranked 479 towns of 500–10,000 people in North Carolina (2020 Census population). Lifestyle measures are The Town Files lifestyle rankings, built from federal demographic, school, crime and housing data (2025), shown as percentiles. The combined score is the average of the percentiles shown for each town; a town must be above the middle on every one. Only towns better than 60% of their peers on this measure qualify, so lists can be shorter than 25. Sources: