Forget South Carolina, Retire To This Highly-Rated East Coast Gem With Charming Small Towns And River Views

South Carolina is a popular state in which to retire thanks to its tax-friendly benefits and affordability, but there are plenty of underrated states on the east coast to also consider. Virginia, for example, is a great option for seniors who value peace and a slower pace of living, especially along the coast. While there are tons of appealing places across the state, Lancaster County is a great choice for retirees who prefer small-town living, stunning water views, and an escape from city life.

Lancaster County is a charming gem that has an overall rating of 3.8 out of 5 stars on Niche, and is ranked 23rd in the site's list of best counties for retirees in the U.S. Chartered in 1651, it sits right on the eastern edge of Virginia's Northern Neck region. Plenty of retirees call this scenic county home; of its nearly 11,000 residents, about 41% are 65 or older according to the U.S. Census Bureau, so retirees who move here are joining a robust senior community. As one resident noted on Reddit, "It's the kind of area where everyone in your town knows everyone else."

Lancaster County is bordered by the Rappahannock River to the south and Chesapeake Bay to the east, providing 180 miles of shoreline. This, along with parks, means active seniors can enjoy outdoor recreation year-round, especially as winters are mild and spring and summer are sunny. From the highly rated local hospital to lower-than-average tax rates, there are multiple reasons why Lancaster County should be high on your list of retirement destinations.

Not to be confused with Lancaster County in Pennsylvania, which is another affordable retirement gem, Virginia's Lancaster County only has three established towns: Kilmarnock, Irvington, and White Stone. While each has a distinct character and appeal, they are close enough that retirees can experience each one no matter where you choose to settle down. 

The largest, Kilmarnock, has a population just under 1,500 according to World Population Review. The underrated coastal town has charming galleries, shops, and a friendly vibe. Downtown Kilmarnock, also known as the Steptoe's District, is a bustling area with more than 55 local businesses, including Kilmarnock Antique Gallery, a sprawling space housing the nation's largest collection of oyster plates. The seaside community of Irvington, home to alluring boutiques and seafood restaurants, is about 5 miles south of Kilmarnock. Nestled on the Rappahannock River, it's the best place to live in Lancaster County, according to Niche. This is especially true for history lovers, who can visit its informative Steamboat Era Museum to learn about the area's maritime history and explore an original 1894 vessel. The nearby Historic Christ Church & Museum, meanwhile, is a well-preserved parish church built in 1735. 

The county's smallest town, White Stone, sits right where the Rappahannick River meets Chesapeake Bay. The Robert O. Norris Bridge spans the waterway, offering a vista of the river, bay, and surrounding landscape.

Lancaster County is in the center of the panoramic River Realm area. Boating is popular, as there are more than 25 marinas, while anglers can fish for largemouth bass or yellow perch. One of the best ways to explore is by following the River Realm loop, a tranquil, scenic route that carries boaters past waterfront communities and lovely creeks. 

There are more recreational activities on land. White Stone is home to Westland Beach, which underwent significant restoration in 2025 – it now has a 450-foot fishing pier with beautiful river views. Another beach can be found within Belle Isle State Park, an 892-acre protected area that features 7 miles of shoreline for even more riverside fun. The park is a haven for wildlife lovers and birdwatchers, as its diverse habitats are home to white-tailed deer, turkeys, blue herons, and hawks.

The river also provides Lancaster County with a robust seafood scene. After a day near the water, grab a meal at Dredge in Irvington, which serves fried oysters and steamed clams. Adrift in White Stone is a more upscale option, which, according to a Tripadvisor review, is "worth the price for the top quality."