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Southern Hospitality, a Lively Collegiate
Atmosphere and a Lower Cost of Living Bring Retirees to Stimulating Clemson, South Carolina
Cost of Living: Below the National Average
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Tucked away in the rural northwestern
section of South Carolina known as the
"Upcountry," Clemson
(population 13,500) is surrounded by wooded countryside
brimming with sparkling lakes and rolling hills. A youthful population, a boisterous
football culture and an active cultural community are reasons
that retirees come to this leafy town, a place that is completely defined by the
institution of higher learning, Clemson University
(population 17,000), that makes its home here. Not
everyone wants to retire in such a energetic spot, but
Clemson has a lot to offer, including a reasonable cost
of living, inviting lake recreation, a crime rate below the
national average and a good senior support system.
Of the population, 29% is age 45 or better, and
residents tend to be conservative even though this is a college
town.
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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 5% below the national average.
The median home price of $185,000 will buy 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.
South Carolina is a tax friendly state for retirees.
Social Security is exempt from state income tax Qualified
retirement income is taxed, but there is a $15,000 deduction per
spouse at age 65. Property tax is calculated at 4%
of a residence's fair market value multiplied by 206 mills per
$1,000 of the assessed value. For homeowners 65 and
older, a homestead exemption allows the first $50,000 of their
property's fair market value to be exempt from local property
taxes. So, for example, for a person age 65 or better, the
annual taxes on a $185,000 home are approximately $1,115
The state sales tax rate is 6%
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Many small towns can feel insular and not all that welcoming to
newcomers, but thanks to the University, Clemson has a diverse
population with 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. It 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 oasis, giving
retirees ample access to an outstanding boating, swimming and
particularly fishing (bass) venue. Lake Keowee, just to the west, also
attracts water devotees.
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 autumn Saturday afternoon,
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.
Shopping in Clemson is not outstanding, but the attractive downtown,
across from the University campus, has fun shops, cafes and
restaurants. For more diverse shopping and dining, the towns of
Seneca (with a Lowe's, Home Depot and Wal-Mart), Easly,
Greenville/Spartanburg, Pendleton, and Anderson are all within a short
drive, and Atlanta, Georgia, with everything a person could desire, is
about 125 miles to the southwest.
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 on the +/- signs
(more than once if necessary) to zoom in
and out.
There is no hospital in town, but Oconee Medical Center in Seneca
is just 10 miles away. It has 120 beds and is accredited by the
Joint Commission. A teaching hospital, it is affiliated with the
Medical University of South Carolina and is award-winning for
pulmonary care and clinical excellence. It also offers the
Oconee Medical Center Lifeline, which provides 24-hours-a-day,
365-days-a-year personal response service to seniors throughout the
community (cost is minimal). Both Medicare and Medicaid
patients are accepted. Larger
hospitals are a little farther away in the towns of Anderson (20
miles) and Greenville (40 miles). For military retirees,
Anderson and Greenville also have VA clinics, but the nearest VA
hospital is in Asheville, North Carolina, 65 miles away.
Those who are not keen on driving will be glad to know that Clemson
Area Transit (CAT) operates a free bus service on campus and around town.
There is also a para-transit service. Amtrak provides service to Greenville/Spartanburg, as well as New York
City, Philadelphia, Atlanta, Baltimore, Charlotte and New Orleans.
The closest domestic airport is in Greenville, and the closest
international airport is in Charlotte, North Carolina, 110 miles away.
For being a small town that caters to students, Clemson has a good senior support system. The Central/Clemson Senior Center
offers a variety of programs, including meals and
transportation. The Central/Clemson Recreation Center is
state of the art and provides classes and one on one instruction
especially for seniors, as well as a therapy pool and semi-private use
of other pools and facilities. The Clemson Young at Heart
Program offers educational activities, wellness programs, travel
opportunities and social events, and the Pitkens County Library, which
is actually in the town of Central, 5 miles away, delivers books and other materials to those who cannot leave their
home (and it has public computers with Internet access). Meals on Wheels is also active.
Churches are in abundance.
Living in a college town has numerous perks, and in Clemson this
includes access to the excellent Osher Lifelong Learning Institute
(OLLI), a membership organization sponsored by Clemson University.
As with all OLLIs around the country, Clemson's offers a diverse selection of stimulating classes to older adults.
Course titles include America: Land of Political Philosophers, The
Joy of Shade Gardening and A Journey into Upcountry Folklore
and Traditions. Fun! The annual
membership is $15. Adults age 55+ may also
audit University classes at a reduced charge.
Residents say that the weather in the "Upcountry" is
balmy, with the elevation (748 feet) mitigating the summer heat a bit.
Still, July and August bring temperatures into the low 90s, with
humidity in the 90% range in the mornings (tapering off into the 70%
vicinity in the afternoons). Winters are mild with
temperatures in the 30s, 40s and 50s. Historically, the area has
received four to five inches of precipitation per month, with very
little snow. On the comfort index, a combination of temperature and
humidity, Clemson comes in below the national average. The sun
shines 223 days of the year. The air quality is below the
national average, but the water quality is above the national
average.
Clemson does have some drawbacks. For some retirees the
overwhelming presence of the University and its youthful attendees may
be too much. There is a party scene, but for the most part, it seems
to be confined primarily to the University campus and immediate
surrounding neighborhoods (and the Party
Registration Program, a collaboration between the city and Clemson
University in which student parties register with the police, helps
keep noise levels down).
Heavy traffic on football game days in the fall can be a
headache. The tornado risk is 50% higher than the national
average.
And while these negatives are real, a big plus is Clemson's
reputation as a friendly town. It is a welcoming, safe,
well-managed place that successfully combines genuine Southern
hospitality with a stimulating collegiate atmosphere, not a small
feat. Retirees enjoy an active cultural community, top notch
athletic events and a bounty of outdoor recreational opportunities.
For many, Clemson may provide the perfect retirement, indeed.
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