Best Places to Retire in Central Arkansas
Quick answer: Central Arkansas is an increasingly popular retirement destination thanks to low home prices, no state tax on Social Security, mild winters, and quality healthcare in Little Rock. Arkansas also freezes the assessed value of a homeowner's primary residence at age 65 (Amendment 79), helping keep property taxes predictable in retirement. Top picks include Maumelle, Hot Springs Village, Conway, Benton/Bryant, and the lake communities. Ashley Watters helps retirees and downsizers find the right fit — (501) 951-9200.
Why retirees choose Central Arkansas
- Low cost of living. Home prices and day-to-day costs run well below the national average, stretching retirement savings further.
- Tax-friendly basics. Arkansas does not tax Social Security benefits, fully exempts military retirement pay, and has relatively low property taxes — plus the age-65 assessed-value freeze (Amendment 79).
- Mild four-season climate. Real seasons without the harsh, long winters of the North.
- Healthcare access. Little Rock anchors the region's healthcare with UAMS, Baptist Health, and CHI St. Vincent.
- Outdoor lifestyle. Lakes, rivers, trails, and golf are close at hand.
Top retirement areas in and around Central Arkansas
- Maumelle. Master-planned, walkable, with trails and lake access near Pinnacle Mountain — popular with active retirees.
- Hot Springs Village. One of the largest gated communities in the country — golf, lakes, and amenities about an hour from Little Rock. See Hot Springs Village homes.
- Conway. College-town energy, healthcare, and easy single-level new construction.
- Benton & Bryant. Established Saline County suburbs with good services and value.
- Lake communities. Greers Ferry and other lakes for those who want water and recreation.
Housing that fits retirement
Many retirees downsize into low-maintenance, single-level homes. Explore 55+ & active-adult communities, patio & single-story homes, and the downsizing guide.
Frequently Asked Questions
Does Arkansas tax Social Security or retirement income?
Arkansas does not tax Social Security benefits and fully exempts military retirement pay. Other retirement income may be partially taxable — consult a tax professional for your situation.
What is the Arkansas property tax freeze for seniors?
Under Amendment 79, the assessed value of a homeowner's primary residence is frozen once they turn 65 (or are disabled), helping keep property taxes predictable in retirement.
Where do most retirees move in Central Arkansas?
Maumelle, Hot Springs Village, Conway, and the Benton/Bryant area are among the most popular, along with lake communities for water lovers.
Thinking about retiring in Central Arkansas? Ashley Watters helps retirees and downsizers find the right community and home. Call or text (501) 951-9200 or contact Ashley.