Do I have to be 55 or older to live in these communities?
Usually not. Most active-adult communities around Wilmington are not age-restricted. They are designed around a 55+ lifestyle, with amenities and social clubs that appeal to that stage of life, but anyone can buy.
Does North Carolina tax Social Security or retirement income?
North Carolina does not tax Social Security. Pensions, IRA and 401(k) withdrawals are taxed at the flat state rate, 3.99% for 2026. Some government pensions vested before August 1989 are exempt under the Bailey settlement.
How much are property taxes?
For fiscal year 2026–27, county rates are 34.2¢ per $100 of value in Brunswick, 30.6¢ in New Hanover and 73.75¢ in Pender. Homes inside town limits also pay a municipal rate. Use the estimator above for a quick county figure.
Is flood or hurricane insurance required?
Lenders require wind coverage, and they require flood insurance for homes in high-risk flood zones. Even outside those zones, flood coverage is worth pricing. Get quotes on a specific home during your due-diligence period.
How soon do I need a North Carolina driver's license?
Within 60 days of becoming a resident. Get your license first, then register your vehicle at a license plate agency.
What is winter like?
Mild. January averages a high of about 57°F and a low of about 36°F in Wilmington, and snowfall averages less than an inch a year.
Can you help if I'm building a new home from out of state?
Yes. We help you choose the community, homesite, builder and plan, and many of our clients build from a distance while we send progress updates and videos during construction.
When is the best time to visit?
Spring and fall are the most comfortable for touring. April and October average highs in the mid-70s, and you'll see communities at their most active.
