Best Cities in North Carolina for Veterans 2025: Cost of Living & Quality of Life
North Carolina's best cities for veterans ranked by cost of living, veteran population, amenities, and quality of life. Housing costs and city comparisons.
Best Cities in North Carolina for Veterans 2025
Bottom Line Up Front
Raleigh ranks #1 for North Carolina veterans—it offers excellent job opportunities in the Research Triangle Park tech corridor, strong veteran community (47,844 in Wake County), proximity to Durham VA Medical Center (30 minutes), outstanding schools, and median home prices around $450,000. Fayetteville takes #2 for veterans specifically due to its massive veteran population (52,831 in Cumberland County—highest in NC), direct access to Fayetteville VA Medical Center, Fort Liberty proximity, and significantly lower housing costs at $225,000 median.
For quality of life and amenities, Charlotte (#3) offers the best urban experience with big-city amenities, major employers like Bank of America (6,800+ veterans nationwide), and median homes at $399,000. Cary (#4) provides suburban safety, excellent schools, and proximity to Raleigh jobs, but at premium prices ($598,000 median).
North Carolina's statewide challenge is rising housing costs—median home prices increased 10-15% in most metros from 2023-2025. However, the state's strengths offset this: full military retirement income tax exemption saves $1,700-$3,400 annually, 100% disabled veterans get $45,000 property tax exclusion (potentially rising to $500,000 if Senate Bill 660 passes), and veteran unemployment is just 2.6% (better than national 3.0%). North Carolina ranks 5th nationally for military presence.
Overall, NC cities excel for veteran employment, military-friendly culture, and moderate cost of living (compared to coastal states). Best for veterans prioritizing job opportunities, military community, healthcare access, and warm climate. Housing affordability varies dramatically—Fayetteville and Greensboro offer sub-$300K homes; Raleigh, Charlotte, and Asheville run $400K-$600K+.
Ranking Methodology
Cities Ranked By:
- Cost of living (housing, utilities, taxes): 30%
- Veteran population & community: 20%
- Proximity to VA healthcare: 15%
- Job opportunities: 20%
- Quality of life (crime, schools, amenities, climate): 15%
Top 10 Cities Ranked
#1: Raleigh (Wake County)
Why It's #1:
Raleigh combines the best overall package for veterans: strong economy with booming tech and government jobs, excellent veteran support (47,844 veterans in Wake County), quality healthcare access (30 min to Durham VAMC), outstanding schools, and moderate cost of living by major city standards. As North Carolina's capital and part of the Research Triangle, Raleigh offers unmatched career growth potential while maintaining southern hospitality and military-friendly culture.
Housing Costs:
- Median home price: $450,000 (September 2025)
- Rent (2BR): $1,485/month average
- Starter neighborhoods (Garner, Knightdale, Clayton): $350,000-$375,000
- 10% above NC state average
Cost of Living:
- Overall: 103/100 (3% above national average)
- Housing: 8% cheaper than national average (relative to income/quality)
- Utilities: $165/month average
- Transportation: 8% below national average
- Groceries: 2% below national average
- Healthcare: 13% above national average
Veteran Community:
- Veteran population: Wake County has 47,844 veterans (2023)—2nd largest in NC
- Raleigh metropolitan area: ~50,000+ veterans
- VFW/AL posts: 15+ in Wake County
- Veteran organizations: Active American Legion, VFW, DAV chapters
- Military-friendly culture: High concentration of veterans from nearby Fort Liberty, Seymour Johnson AFB, Pope Field
VA Healthcare Access:
- Durham VA Medical Center: 30 minutes (serves 200,000+ veterans)
- Raleigh VA Clinic: In city (primary care, mental health)
- Durham VA CBOCs: Multiple locations in Durham, Garner, Clayton
- Duke Health, UNC Health, WakeMed: Excellent Community Care networks
- Quality: Durham VAMC rated 3-4 stars (average to above-average)
Employment:
- Unemployment: 3.2% (Raleigh metro, 2025)
- Veteran unemployment: ~2.6% (NC average, likely lower in Raleigh due to strong economy)
- Major employers: State of North Carolina (veteran hiring preference), NC State University, IBM, Cisco, Lenovo, Red Hat, Duke Energy, WakeMed
- Research Triangle Park: 300+ companies including Apple, IBM, GSK, Biogen—actively recruit veterans
- Average salary: $68,000
- Job growth: 17% (2020-2024)—one of fastest-growing metros nationally
- Veteran hiring: Excellent—RTP tech companies, state government, defense contractors
Quality of Life:
- Climate: Four seasons, mild winters (average 42°F), warm summers (89°F), 215 sunny days/year
- Crime rate: Moderate—varies by neighborhood
- Safest areas: North Raleigh, Cary (adjacent), Apex, Wake Forest
- Higher crime: Southeast Raleigh, downtown periphery
- Schools: Wake County Public Schools rated 7-8/10—excellent magnet programs, diverse options
- Top districts: Cary, North Raleigh, Apex
- Recreation: William B. Umstead State Park, Neuse River Greenway Trail, Pullen Park, 30+ museums, NC State athletics, Carolina Hurricanes (NHL), 3 hours to beach, 3 hours to mountains
- Amenities: Strong restaurant scene, breweries, music venues, outdoor activities, college sports culture
Pros:
- Best job market in NC (Research Triangle Park tech hub)
- Excellent schools and universities (NC State, Wake Tech)
- Strong veteran community and support
- 30 minutes to Durham VA Medical Center
- Four-season climate with mild winters
- Fast-growing city with opportunity
- Military retirement fully exempt from state income tax
- 100% disabled vets: $45,000 property tax exclusion ($392 savings/year)
- Low crime in many neighborhoods
- 3 hours to beach, 3 hours to mountains
Cons:
- Housing costs rising rapidly ($450K median, up from $380K in 2023)
- Traffic congestion increasing (especially I-440, I-540 corridors)
- Not directly on military installation (Fort Liberty is 1 hour)
- Property taxes moderate ($0.5171 county + $0.3550 Raleigh city = $0.8721 per $100)
- Summer heat/humidity (90°F+ June-August)
Best For: Veterans seeking career growth in tech/government, families prioritizing schools, veterans using GI Bill at NC State or Wake Tech, veterans who want urban amenities with southern culture, retirees seeking mild climate
Tax Savings for Veterans:
- Military retiree ($50,000 pension): Saves $2,125 annually on state income tax
- 100% disabled veteran ($450K home): Saves $392 annually on property tax (current law)
- If Senate Bill 660 passes ($500,000 exclusion by 2027): Saves $4,361 annually
#2: Fayetteville (Cumberland County)
Why It's #2:
Fayetteville is North Carolina's ultimate military city, home to Fort Liberty (formerly Fort Bragg)—the largest military installation by population in the world. Cumberland County has the highest veteran population in NC (52,831), creating an unmatched military-friendly culture. With direct access to Fayetteville VA Medical Center, affordable housing ($225K median), and a community built around military service, Fayetteville ranks #2 for veterans prioritizing military community and affordability over high-end amenities.
Housing Costs:
- Median home price: $225,000 (September 2025, down 5.1% from 2024)
- Rent (2BR): $1,279/month
- 40% below NC state average
- Most affordable major city in NC
Cost of Living:
- Overall: 94/100 (6% below national average, 6% below NC average)
- Housing: 29% cheaper than national average
- Utilities: $140/month
- Groceries: Slightly below national average
- Transportation: Below national average
Veteran Community:
- Veteran population: Cumberland County has 52,831 veterans (2023)—highest in NC
- Fayetteville metro: 17% of population are veterans (one of highest percentages nationally)
- Fort Liberty: 52,000 active duty + 14,000 civilians + 60,000+ family members
- VFW/AL posts: 20+ in Cumberland County
- Military culture: Strongest in NC—entire city built around military community
- Veteran services: Extensive support, transitioning service member programs
VA Healthcare Access:
- Fayetteville VA Coastal Health Care System: In city (2300 Ramsey Street)
- Best VA access in North Carolina for local residents
- Full medical center with emergency, specialty care, surgery
- Serves 140,000+ veterans across coastal NC
- Outpatient clinics: 9 locations including Jacksonville (Camp Lejeune), Sanford, Robeson County
- Quality: Rated 3 stars (average), improving with recent facility upgrades
- Wait times: Primary care 20-30 days, specialty care 30-50 days (higher demand due to Fort Liberty)
Employment:
- Unemployment: 4.8% (higher than NC average, typical for military cities due to transient population)
- Fort Liberty: 14,000 civilian jobs (priority hiring for veterans)
- Major employers: Fort Liberty, Fayetteville VA, Cape Fear Valley Health System, Fayetteville Technical Community College, Goodyear Tire, Purolator Filters
- Average salary: $52,000
- Veteran hiring: Excellent—Fort Liberty civilian positions actively recruit veterans, local employers highly military-friendly
- Federal jobs: USAJOBS.gov (Fort Liberty listings)
Quality of Life:
- Climate: Warm and humid, mild winters (average 45°F), hot summers (90°F), 216 sunny days/year
- Crime rate: Moderate to high—varies significantly by neighborhood
- Safest areas: Hope Mills (south), Spring Lake (north), eastern Fayetteville
- Higher crime: Downtown, parts of west Fayetteville (use caution, research neighborhoods)
- Schools: Cumberland County Schools rated 5-7/10—variable quality, improving
- Better schools: Hope Mills, suburban areas
- Military families: Many use on-base schools or homeschool
- Recreation: Fort Bragg Outdoor Recreation (fishing, hunting, camping), Cape Fear Botanical Garden, Airborne & Special Operations Museum, Fayetteville Motor Speedway, 1 hour to beach
- Amenities: Military-focused businesses, solid restaurant scene, growing arts district, outdoor activities
Pros:
- Most affordable major NC city ($225K median home)
- Largest veteran population in NC (52,831)
- Strongest military culture and community
- Fayetteville VA Medical Center in city (no driving for care)
- Fort Liberty civilian job opportunities
- Low cost of living (6% below national average)
- Military retirement fully exempt from state income tax
- 100% disabled vets: $45,000 property tax exclusion ($364 savings/year)
- 1 hour to Raleigh, 2 hours to beach
- Warm climate, mild winters
Cons:
- Higher crime rate than suburbs (choose neighborhood carefully)
- Schools variable (research districts before moving)
- Economy heavily dependent on Fort Liberty
- Downtown less developed than Raleigh/Charlotte
- Hot, humid summers
- Less cultural amenities than larger metros
- Traffic congestion near Fort Liberty gates during rush hour
Best For: Active duty transitioning to civilian employment, Fort Liberty civilian employees, veterans who want strong military community, families prioritizing affordability, veterans needing frequent VA care, retirees on fixed income seeking low cost of living
Tax Savings for Veterans:
- Military retiree ($50,000 pension): Saves $2,125 annually on state income tax
- 100% disabled veteran ($225K home): Saves $364 annually on property tax
- Combined savings: $2,489/year
#3: Charlotte (Mecklenburg County)
Why It's #3:
Charlotte is North Carolina's largest city and offers the most urban experience for veterans: big-city amenities, diverse economy (2nd largest banking center nationally after NYC), major employers actively hiring veterans (Bank of America, Duke Energy), professional sports, and cultural attractions. With 44,804 veterans in Mecklenburg County and median home prices around $399,000, Charlotte balances opportunity with relative affordability compared to northern cities. Best for veterans seeking career advancement and city living.
Housing Costs:
- Median home price: $399,000 (June 2025)
- Rent (2BR): $1,653/month average
- Slightly below NC average (due to being calculated statewide)
- Urban neighborhoods: $450,000-$600,000+
- Suburban areas (Concord, Gastonia, Rock Hill SC): $300,000-$350,000
Cost of Living:
- Overall: 95/100 (5% below national average)
- Housing: Moderate relative to income and amenities
- Utilities: $180/month
- Transportation: Higher due to sprawl (car necessary)
- Sales tax: 7.25%
Veteran Community:
- Veteran population: Mecklenburg County has 44,804 veterans (2023)—3rd largest in NC
- VFW/AL posts: 12+ in Mecklenburg County
- Veteran organizations: Active chapters, Charlotte Vet Center
- Military-friendly culture: Strong support despite no nearby major installation
VA Healthcare Access:
- W.G. Hefner Salisbury VA Medical Center: 40 minutes (serves 95,000+ veterans)
- North Charlotte VA Clinic: In city (8220 University Executive Park Drive—primary care, mental health)
- South Charlotte VA Clinic: In south Charlotte (primary care, mental health)
- Salisbury VAMC outpatient clinics: Kernersville also accessible
- Atrium Health, Novant Health: Excellent Community Care networks
- Quality: Salisbury VAMC rated 3 stars (average), strong geriatric programs
Employment:
- Unemployment: 3.8% (Charlotte metro, 2025)
- Veteran unemployment: ~2.6% (NC average)
- Major employers:
- Bank of America (headquarters): 6,800+ veterans nationwide, 500+ in leadership
- Duke Energy (headquarters): Forbes #7 Best Employers for Veterans
- Atrium Health: Forbes #107 Best Employers for Veterans
- Wells Fargo, Truist, Lowe's (headquarters in nearby Mooresville), Honeywell, Collins Aerospace
- Finance sector: 2nd largest banking center nationally—strong opportunities
- Average salary: $67,000
- Veteran hiring: Excellent—major corporations have dedicated veteran recruiting programs
- Charlotte Douglas International Airport: Hub for American Airlines (career opportunities)
Quality of Life:
- Climate: Four seasons, mild winters (average 44°F), hot summers (90°F), 218 sunny days/year
- Crime rate: Moderate—varies dramatically by neighborhood
- Safest areas: South Charlotte (Ballantyne, Blakeney), Myers Park, North Charlotte suburbs (Huntersville, Cornelius), Matthews
- Higher crime: West Charlotte, parts of Central Charlotte
- Schools: Charlotte-Mecklenburg Schools rated 6-8/10—variable, good magnet programs
- Top areas: South Charlotte, Myers Park, suburbs
- Recreation: US National Whitewater Center, NASCAR Hall of Fame, professional sports (Panthers NFL, Hornets NBA, Charlotte FC MLS), Lake Norman, Carowinds amusement park, 2.5 hours to mountains, 3 hours to beach
- Amenities: Big-city amenities—restaurants, arts, music, museums, nightlife, shopping, professional sports
Pros:
- Best urban experience in NC
- Strongest economy (banking, finance, healthcare)
- Major employers actively recruit veterans (Bank of America, Duke Energy)
- Big-city amenities (pro sports, arts, dining)
- Charlotte Douglas Airport (hub for travel)
- Diverse economy and job opportunities
- Military retirement fully exempt from state income tax
- 100% disabled vets: $45,000 property tax exclusion ($470 savings/year)
- Good weather (mild winters)
- 2.5 hours to mountains, 3 hours to beach
Cons:
- Urban sprawl (long commutes common, car necessary)
- Traffic congestion on I-77, I-485, I-85
- Housing costs rising ($399K median, up from $350K in 2023)
- Schools variable by neighborhood
- Crime higher than suburbs (choose area carefully)
- 40 minutes to nearest VA medical center (Salisbury)
- Hot, humid summers
- Not on military installation (no base privileges)
Best For: Veterans seeking corporate careers (banking, finance, tech), urban-preference veterans, veterans who want big-city amenities, young professionals, retirees who want city culture, families in high-income brackets who can afford good school districts
Tax Savings for Veterans:
- Military retiree ($50,000 pension): Saves $2,125 annually on state income tax
- 100% disabled veteran ($399K home): Saves $470 annually on property tax
- Combined savings: $2,595/year
#4: Cary (Wake County)
Why It's #4:
Cary is Raleigh's affluent suburban neighbor, offering the best schools in North Carolina, extremely low crime, family-friendly environment, and proximity to Research Triangle Park jobs. However, quality comes at a price—median homes are $598,000 (highest on this list), making Cary best for higher-income veteran families prioritizing safety and education. Cary consistently ranks as one of America's safest cities and best places to raise families.
Housing Costs:
- Median home price: $598,000 (September 2025, up 3%)
- Rent (2BR): $1,850/month average
- 30% above NC state average
- Most expensive area in NC
Cost of Living:
- Overall: 110/100 (10% above national average)
- Housing: Primary driver of higher cost
- Utilities: $170/month
- Otherwise similar to Raleigh
Veteran Community:
- Veteran population: Part of Wake County's 47,844 veterans
- VFW/AL posts: 2 in Cary, access to all Wake County posts
- Military-friendly culture: High concentration of veterans and military families
- Proximity to Fort Liberty, Seymour Johnson AFB
VA Healthcare Access:
- Durham VA Medical Center: 25 minutes
- Raleigh VA Clinic: 15 minutes
- Identical healthcare access to Raleigh
Employment:
- Unemployment: 2.8% (among lowest in NC)
- Research Triangle Park: 15-20 minutes (Apple, IBM, Cisco, Lenovo, pharmaceuticals)
- Average salary: $78,000 (highest in NC)
- Many Cary residents work in Raleigh or RTP
- Veteran hiring: Excellent due to RTP proximity
Quality of Life:
- Climate: Same as Raleigh (four seasons, mild winters)
- Crime rate: Extremely low—Cary consistently ranks as one of America's safest cities (top 10 nationally)
- Schools: Wake County Public Schools rated 8-10/10 in Cary areas—best in NC
- Green Hope High School, Cary High School, Middle Creek High School all top-rated
- Recreation: Fred G. Bond Metro Park, Hemlock Bluffs Nature Preserve, greenways, 20 minutes to Raleigh amenities
- Amenities: Suburban—excellent parks, safe neighborhoods, family-oriented
Pros:
- Safest city in NC (top 10 nationally)
- Best schools in North Carolina
- Highest household income in NC ($78K average)
- 15-20 minutes to Research Triangle Park jobs
- 25 minutes to Durham VA
- Low crime, excellent for families
- Military retirement fully exempt from state income tax
- 100% disabled vets: $45,000 property tax exclusion ($389 savings/year)
- Proximity to Raleigh amenities without city crime
Cons:
- Most expensive housing in NC ($598K median)
- Less urban amenities (must drive to Raleigh/Durham)
- Higher property taxes (Wake County + Cary town = $0.8571 per $100)
- Not diverse economy (bedroom community)
- Suburban sprawl (car necessary)
Best For: High-income veteran families prioritizing schools and safety, dual-income families working in RTP, veterans with children, retirees who can afford premium prices for quality of life
Tax Savings for Veterans:
- Military retiree ($50,000 pension): Saves $2,125 annually on state income tax
- 100% disabled veteran ($598K home): Saves $389 annually on property tax (current law), potentially $5,165 if SB 660 passes
- Combined savings: $2,514/year (current), $7,290/year (if SB 660 passes)
#5: Durham
Why It's #5:
Durham combines intellectual culture (Duke University, NC Central University), strong healthcare sector (Duke Health, Durham VAMC), diverse economy, and a thriving arts scene with moderate housing costs ($440K median). Veterans get direct access to Durham VA Medical Center (the state's largest), excellent GI Bill options at Duke or NC Central, and a progressive, diverse city environment. Durham's revitalized downtown offers urban amenities without Charlotte-level sprawl.
Housing Costs:
- Median home price: $440,000 (September 2025)
- Rent (2BR): $1,550/month
- Comparable to Raleigh, 8% above NC average
Cost of Living:
- Overall: 102/100 (2% above national average)
- Housing: Moderate
- Utilities: $170/month
- Similar to Raleigh overall
Veteran Community:
- Veteran population: Part of larger Durham-Chapel Hill metro with 15,000+ veterans
- Durham Vet Center: Not confirmed in city currently; Raleigh Vet Center accessible
- Military-friendly culture: Strong due to proximity to Fort Liberty, Research Triangle military contractors
VA Healthcare Access:
- Durham VA Medical Center: In city (508 Fulton Street)—serves 200,000+ veterans
- Best VA access in North Carolina (largest medical center in state)
- Full medical center with emergency, surgery, specialty care, mental health, dialysis, blind rehabilitation
- Outpatient clinics: Raleigh, Greenville, Morehead City, others
- Quality: Rated 3-4 stars (average to above-average)
- Wait times: Primary care 15-25 days, specialty care 30-45 days
Employment:
- Unemployment: 3.5% (Durham metro, 2025)
- Major employers: Duke University & Health System, Durham VA Medical Center, IBM, Fidelity, Cree (LED/semiconductor), NC Central University, Research Triangle Park companies
- Average salary: $64,000
- Veteran hiring: Excellent—Duke Health, RTP companies, VA medical center all recruit veterans
- Strong biotech and pharmaceutical sector
Quality of Life:
- Climate: Four seasons, mild winters (average 43°F), hot summers (90°F)
- Crime rate: Moderate—higher than Cary/Raleigh suburbs, lower than Charlotte
- Safest areas: South Durham, Hope Valley, Forest Hills, North Durham suburbs
- Higher crime: Parts of East Durham, Central Durham
- Schools: Durham Public Schools rated 5-7/10—variable
- Better schools: Southern Durham suburbs, magnet programs
- Recreation: Duke Gardens, American Tobacco Campus, Durham Bulls (AAA baseball), vibrant arts scene, breweries, restaurants, Eno River State Park
- Amenities: Progressive culture, diverse population, strong food scene, arts/music, urban revival
Pros:
- Durham VA Medical Center in city (best VA access in NC)
- Duke University (elite GI Bill option with Yellow Ribbon)
- Strong healthcare job market (Duke Health)
- Research Triangle Park proximity (15 minutes)
- Progressive, diverse culture
- Revitalized downtown with restaurants, arts, entertainment
- Military retirement fully exempt from state income tax
- 100% disabled vets: $45,000 property tax exclusion ($249 savings/year)
- Moderate housing costs relative to amenities
Cons:
- Crime higher than suburbs (choose neighborhood carefully)
- Schools variable quality (research districts)
- Downtown parking limited
- Traffic congestion increasing
- Gentrification displacing some communities
- Not directly on military installation
Best For: Veterans seeking healthcare careers (Duke Health), veterans using GI Bill at Duke, veterans who value diversity and progressive culture, veterans needing frequent VA care, young professionals in biotech/pharma
Tax Savings for Veterans:
- Military retiree ($50,000 pension): Saves $2,125 annually on state income tax
- 100% disabled veteran ($440K home): Saves $249 annually on property tax
- Combined savings: $2,374/year
#6: Greensboro (Guilford County)
Why It's #6:
Greensboro offers the best value proposition for veterans: affordable housing ($284K median), solid job market, UNC Greensboro with Yellow Ribbon, and central location in North Carolina. As the state's 3rd largest city, Greensboro balances urban amenities with southern charm and affordability. Good option for veterans prioritizing cost over prestige.
Housing Costs:
- Median home price: $284,000 (September 2025)
- Rent (2BR): $1,115/month
- 35% below Raleigh, 28% below Charlotte
- Among most affordable mid-size cities in NC
Cost of Living:
- Overall: 92/100 (8% below national average)
- Housing: Significantly cheaper than Raleigh/Charlotte/Cary
- Utilities: $160/month
- Transportation: $5,447/year
- Food: $3,926/year
Veteran Community:
- Veteran population: Guilford County has substantial veteran community (exact count not available, estimated 20,000+)
- Greensboro Vet Center: 3515 West Market Street (PTSD counseling, readjustment services)
- VFW/AL posts: 10+ in Guilford County
- Military-friendly: Moderate—not as strong as Fayetteville/Raleigh but supportive
VA Healthcare Access:
- W.G. Hefner Salisbury VA Medical Center: 45 minutes
- Durham VA Medical Center: 55 minutes
- No VA clinic directly in Greensboro (must drive to Salisbury or Durham)
- Cone Health, Moses Cone Hospital: Good Community Care options
- Quality: Salisbury VAMC rated 3 stars
Employment:
- Unemployment: 4.4% (slightly above NC average)
- Major employers: Cone Health, Honda Aircraft Company, Volvo Trucks, Syngenta (agriculture), Guilford County Schools, UNC Greensboro, NC A&T State University
- Average salary: $51,667
- Veteran hiring: Moderate—smaller employers than Charlotte/Raleigh
- Manufacturing base: Some blue-collar opportunities
Quality of Life:
- Climate: Four seasons, mild winters (average 43°F), hot summers (90°F)
- Crime rate: Moderate—varies by neighborhood
- Safest areas: Irving Park, Fisher Park, Starmount, Friendly Hills
- Higher crime: East Greensboro, parts of downtown
- Schools: Guilford County Schools rated 6-7/10—decent
- Recreation: Greensboro Science Center, Wet 'n Wild Emerald Pointe (water park), Greensboro Coliseum (concerts, hockey), Battleground Park, Guilford Courthouse National Military Park
- Amenities: Mid-size city amenities, solid restaurant scene, arts, moderate entertainment
Pros:
- Affordable housing ($284K median—2nd lowest on list after Fayetteville)
- Low cost of living (8% below national average)
- Central NC location (1.5 hours to Charlotte, 1.5 hours to Raleigh)
- UNC Greensboro (Yellow Ribbon, $63K+ awarded)
- Moderate traffic (less congestion than Raleigh/Charlotte)
- Military retirement fully exempt from state income tax
- 100% disabled vets: $45,000 property tax exclusion ($329 savings/year)
- Good balance of affordability and amenities
Cons:
- No VA clinic in city (45+ minutes to Salisbury or Durham VAMC)
- Smaller job market than Raleigh/Charlotte
- Higher unemployment (4.4%)
- Schools not as strong as Wake County or Charlotte suburbs
- Less cultural amenities than larger metros
- Smaller veteran community than Fayetteville/Raleigh
Best For: Veterans prioritizing affordability, retirees on fixed income, veterans using GI Bill at UNC Greensboro, families seeking moderate cost of living, veterans willing to drive for VA care, veterans who prefer mid-size cities
Tax Savings for Veterans:
- Military retiree ($50,000 pension): Saves $2,125 annually on state income tax
- 100% disabled veteran ($284K home): Saves $329 annually on property tax
- Combined savings: $2,454/year
#7: Wilmington (New Hanover County)
Why It's #7:
Wilmington offers coastal living for veterans: beach access, mild winters, active lifestyle, and growing job market. With median home prices around $463K and a strong tourism/service economy, Wilmington appeals to veterans prioritizing beach proximity and warm weather. However, VA healthcare requires 60+ minutes to Fayetteville or community care.
Housing Costs:
- Median home price: $463,000 (September 2025)
- Rent (2BR): $1,636/month
- 8% above NC average
- Coastal premium pricing
Cost of Living:
- Overall: 102/100 (2% above national average)
- Housing: Elevated due to coastal location
- Utilities: $175/month
- Higher costs due to tourism economy
Veteran Community:
- Veteran population: New Hanover County has moderate veteran population (estimated 10,000+)
- VFW/AL posts: 5+ in New Hanover County
- Military connection: Proximity to Camp Lejeune (45 minutes north)
VA Healthcare Access:
- Fayetteville VA Coastal Health Care System: 60 minutes
- Brunswick County VA Clinic: 25 minutes south (Bolivia, NC—primary care)
- No VA medical center nearby (Fayetteville is closest)
- Novant Health, New Hanover Regional Medical Center: Good Community Care options
Employment:
- Unemployment: 3.9%
- Major employers: New Hanover Regional Medical Center, University of NC Wilmington, PPD (pharmaceutical), GE Hitachi Nuclear Energy, tourism/hospitality
- Average salary: $54,000
- Veteran hiring: Moderate—smaller job market, some defense contractors
- Film industry: "Hollywood East"—occasional opportunities
Quality of Life:
- Climate: Warm coastal climate, mild winters (average 50°F), hot, humid summers (88°F), 221 sunny days/year
- Crime rate: Moderate
- Schools: New Hanover County Schools rated 6-7/10
- Recreation: Beaches (Wrightsville Beach, Carolina Beach, Kure Beach), fishing, boating, surfing, historic downtown Wilmington riverfront, water sports
- Amenities: Beach town vibe, restaurants, bars, outdoor activities, coastal lifestyle
Pros:
- Beach access (Atlantic Ocean)
- Warm coastal climate, mild winters
- Active outdoor lifestyle (fishing, boating, surfing)
- Historic downtown riverfront
- Military retirement fully exempt from state income tax
- 100% disabled vets: $45,000 property tax exclusion ($244 savings/year)
- Growing city with opportunity
- 2 hours to Raleigh
Cons:
- Higher housing costs ($463K median)
- 60 minutes to nearest VA medical center (Fayetteville)
- Hurricane risk (coastal location)
- Tourism crowds in summer
- Smaller job market, lower salaries
- Hot, humid summers
- Traffic congestion in summer tourist season
Best For: Retirees seeking coastal living, veterans who prioritize beach lifestyle, outdoor enthusiasts (fishing, boating), veterans willing to drive for VA care, families who want warm climate
Tax Savings for Veterans:
- Military retiree ($50,000 pension): Saves $2,125 annually on state income tax
- 100% disabled veteran ($463K home): Saves $244 annually on property tax
- Combined savings: $2,369/year
#8: Asheville (Buncombe County)
Why It's #8:
Asheville offers mountain living, vibrant arts scene, outdoor recreation paradise, and a unique, progressive culture. However, it's also North Carolina's most expensive mid-size city ($567K median home), with limited job opportunities and higher cost of living. Veterans get direct access to Charles George VAMC, making it viable for those prioritizing mountain lifestyle and VA care.
Housing Costs:
- Median home price: $567,000 (2025)
- Rent (2BR): $1,716/month
- 23% above NC average
- Most expensive mid-size city in NC
Cost of Living:
- Overall: 103/100 (3% above national average)
- Housing: 6% more expensive than national average (significant relative to local wages)
- Utilities: 4% cheaper than national average
- Income required: $57,816 for single adult to live comfortably
Veteran Community:
- Veteran population: Buncombe County has moderate veteran population (estimated 15,000+)
- VFW/AL posts: 8+ in Buncombe County
- Military culture: Moderate—not as strong as Fayetteville/Raleigh
VA Healthcare Access:
- Charles George VA Medical Center: In city (1100 Tunnel Road)
- Serves 49,000 veterans across 23 counties in western NC
- Full medical center with surgery, specialty care, mental health
- Outpatient clinics: Hickory, Franklin, Forest City (Rutherford County)
- Quality: Rated 3-4 stars (above-average for rural access)
- Best VA access in western North Carolina
Employment:
- Unemployment: 3.6%
- Major employers: Mission Health (HCA), Charles George VAMC, Biltmore Estate, tourism/hospitality, breweries, Sierra Nevada Brewing
- Average salary: $50,000
- Limited job market—tourism/hospitality heavy
- Veteran hiring: Moderate—VA medical center is largest veteran employer
Quality of Life:
- Climate: Four seasons, mild winters (average 39°F), moderate summers (83°F), mountain climate with cooler temps than rest of NC
- Crime rate: Low to moderate
- Schools: Buncombe County Schools rated 6-7/10
- Recreation: Mountain living—Blue Ridge Parkway, Great Smoky Mountains National Park (45 min), hiking, biking, Pisgah National Forest, skiing (Cataloochee, Beech Mountain), whitewater rafting
- Amenities: Vibrant arts scene, live music, breweries (30+ craft breweries), farm-to-table restaurants, Biltmore Estate, progressive culture, outdoor lifestyle
Pros:
- Charles George VA Medical Center in city
- Mountain living with four seasons
- Outdoor recreation paradise (hiking, biking, skiing)
- Vibrant arts and music scene
- 30+ craft breweries
- Progressive, diverse culture
- Cooler summers than rest of NC
- Blue Ridge Parkway, Smoky Mountains nearby
- Military retirement fully exempt from state income tax
- 100% disabled vets: $45,000 property tax exclusion ($231 savings/year)
Cons:
- Most expensive mid-size city ($567K median home)
- Limited job market (tourism/hospitality heavy)
- Lower salaries ($50K average)
- High cost of living relative to wages
- Gentrification and affordability crisis
- Winter weather occasionally challenging (mountain roads)
- Isolated from major metros (2 hours to Charlotte)
- Smaller veteran community than Fayetteville/Raleigh
Best For: Retirees prioritizing mountain lifestyle and outdoor recreation, veterans needing frequent VA care in western NC, outdoor enthusiasts (hiking, biking, skiing), veterans who value arts/culture, veterans with remote jobs or significant retirement income
Tax Savings for Veterans:
- Military retiree ($50,000 pension): Saves $2,125 annually on state income tax
- 100% disabled veteran ($567K home): Saves $231 annually on property tax (current law), potentially $2,913 if SB 660 passes
- Combined savings: $2,356/year (current)
#9: Jacksonville (Onslow County)
Why It's #9:
Jacksonville is North Carolina's ultimate Marine Corps city, home to Camp Lejeune. Onslow County has the highest percentage of veterans in NC (21.5% of adults)—even higher than Fayetteville. With affordable housing ($250K estimated median), strong military culture, and Jacksonville VA Clinic access, it's ideal for Marines transitioning locally. However, limited civilian job market and high dependence on Camp Lejeune economy drop it to #9.
Housing Costs:
- Median home price: ~$250,000 (estimated, 2025)
- Rent (2BR): ~$1,200/month
- Below NC average
- Affordable military town
Cost of Living:
- Overall: 95/100 (5% below national average)
- Housing: Affordable
- Economy heavily tied to Camp Lejeune
Veteran Community:
- Veteran population: Onslow County has highest veteran percentage in NC (21.5% of adults 18+)
- VFW/AL posts: 10+ in Onslow County
- Military culture: Strongest Marine Corps culture in NC—entire city built around Camp Lejeune
- Transitioning Marines: Extensive support programs
VA Healthcare Access:
- Jacksonville VA Clinic: In city (110A Branchwood Drive—primary care, mental health)
- Fayetteville VA Coastal Health Care System: 60 minutes (for specialty care)
- Camp Lejeune Naval Hospital: Active duty and retirees have access
- Onslow Memorial Hospital: Community Care option
Employment:
- Unemployment: Higher than NC average (typical for military cities)
- Camp Lejeune: Largest employer—civilian positions available
- Major employers: Camp Lejeune, Onslow Memorial Hospital, Onslow County Schools, Coastal Carolina Community College
- Average salary: $48,000
- Limited civilian job market outside Camp Lejeune
- Veteran hiring: Excellent on-base, limited civilian sector
Quality of Life:
- Climate: Coastal, mild winters (average 50°F), hot, humid summers (88°F)
- Crime rate: Moderate
- Schools: Onslow County Schools rated 5-6/10—variable
- Recreation: Beaches (Atlantic Beach, Emerald Isle nearby), fishing, Camp Lejeune outdoor recreation, 30 minutes to beach
- Amenities: Military town—limited cultural amenities, growing downtown
Pros:
- Highest veteran percentage in NC (21.5%)
- Strong Marine Corps culture and community
- Affordable housing (~$250K)
- Jacksonville VA Clinic in city
- Camp Lejeune civilian jobs (priority hiring for veterans)
- 30 minutes to beaches (Emerald Isle, Atlantic Beach)
- Military retirement fully exempt from state income tax
- Low cost of living
Cons:
- Economy entirely dependent on Camp Lejeune
- Limited civilian job market
- 60 minutes to Fayetteville VA for specialty care
- Schools variable quality
- Smaller city with limited amenities
- Camp Lejeune water contamination legacy (ongoing VA claims)
- Lower salaries ($48K average)
Best For: Marines transitioning from Camp Lejeune, Camp Lejeune civilian employees, veterans who want strong military community, retirees on fixed income, veterans prioritizing affordability over amenities, families with Marine Corps ties
Tax Savings for Veterans:
- Military retiree ($50,000 pension): Saves $2,125 annually on state income tax
- 100% disabled veteran ($250K home): Saves ~$380 annually on property tax
- Combined savings: ~$2,505/year
#10: Winston-Salem (Forsyth County)
Why It's #10:
Winston-Salem rounds out the top 10 as North Carolina's "Twin City," offering affordable housing ($265K median), growing medical sector (Wake Forest Baptist Health), and central Piedmont location. It's quieter and more affordable than Charlotte or Raleigh but lacks direct VA medical center access (45+ min to Salisbury or Durham). Good for veterans prioritizing affordability and laid-back living.
Housing Costs:
- Median home price: $265,000 (estimated, 2025)
- Rent (2BR): $1,200/month
- Below NC average
- Among most affordable cities in NC
Cost of Living:
- Overall: 91/100 (9% below national average)
- Housing: Affordable
- Lower cost of living than Greensboro, Charlotte, Raleigh
Veteran Community:
- Veteran population: Forsyth County has moderate veteran population (estimated 15,000+)
- VFW/AL posts: 8+ in Forsyth County
- Military culture: Moderate
VA Healthcare Access:
- W.G. Hefner Salisbury VA Medical Center: 45 minutes
- Durham VA Medical Center: 70 minutes
- No VA clinic in Winston-Salem (must drive to Salisbury)
- Wake Forest Baptist Health, Novant Health: Excellent Community Care networks
Employment:
- Unemployment: 4.2%
- Major employers: Wake Forest Baptist Health (medical center), Novant Health, HanesBrands, Lowes Foods, Reynolds American (tobacco), Truist (banking), Winston-Salem State University
- Average salary: $52,000
- Veteran hiring: Moderate—healthcare sector offers opportunities
Quality of Life:
- Climate: Four seasons, mild winters (average 43°F), hot summers (88°F)
- Crime rate: Moderate—varies by neighborhood
- Schools: Winston-Salem/Forsyth County Schools rated 6-7/10
- Recreation: Old Salem Historic District, Reynolda Gardens, Pilot Mountain State Park, Wake Forest Demon Deacons (ACC sports)
- Amenities: Mid-size city—arts district, restaurants, moderate entertainment
Pros:
- Affordable housing ($265K median)
- Low cost of living (9% below national average)
- Wake Forest Baptist Health (strong healthcare job market)
- Central Piedmont location
- Military retirement fully exempt from state income tax
- 100% disabled vets: $45,000 property tax exclusion (~$312 savings/year)
- Quiet, laid-back city
Cons:
- 45+ minutes to nearest VA medical center (Salisbury)
- No VA clinic in city
- Limited job market compared to Charlotte/Raleigh
- Smaller veteran community
- Less cultural amenities than larger metros
- Tobacco industry legacy (economic transition ongoing)
Best For: Veterans prioritizing affordability, retirees seeking low cost of living, veterans in healthcare careers (Wake Forest Baptist Health), veterans willing to drive for VA care, families seeking quiet mid-size city
Tax Savings for Veterans:
- Military retiree ($50,000 pension): Saves $2,125 annually on state income tax
- 100% disabled veteran ($265K home): Saves ~$312 annually on property tax
- Combined savings: ~$2,437/year
Cost of Living Comparison
| City | Median Home Price | Rent (2BR) | Overall COL | Property Tax Savings (100% Disabled)* | Military Retirement Savings ($50K) | Combined Annual Savings |
|---|---|---|---|---|---|---|
| Fayetteville | $225,000 | $1,279 | 94/100 | $364 | $2,125 | $2,489 |
| Greensboro | $284,000 | $1,115 | 92/100 | $329 | $2,125 | $2,454 |
| Winston-Salem | $265,000 | $1,200 | 91/100 | $312 | $2,125 | $2,437 |
| Jacksonville | ~$250,000 | ~$1,200 | 95/100 | ~$380 | $2,125 | ~$2,505 |
| Charlotte | $399,000 | $1,653 | 95/100 | $470 | $2,125 | $2,595 |
| Durham | $440,000 | $1,550 | 102/100 | $249 | $2,125 | $2,374 |
| Raleigh | $450,000 | $1,485 | 103/100 | $392 | $2,125 | $2,517 |
| Cary | $598,000 | $1,850 | 110/100 | $389 | $2,125 | $2,514 |
| Wilmington | $463,000 | $1,636 | 102/100 | $244 | $2,125 | $2,369 |
| Asheville | $567,000 | $1,716 | 103/100 | $231 | $2,125 | $2,356 |
*Property tax savings based on current $45,000 exclusion. If Senate Bill 660 passes with $500,000 cap by 2027, savings would increase dramatically (see individual city entries).
Additional Considerations
Hurricane Risk (Coastal Areas)
Wilmington and Jacksonville face Atlantic hurricane risk (June-November). Consider flood insurance costs and evacuation plans.
Military Installation Proximity
- Fort Liberty (Fayetteville): Commissary, PX, MWR, healthcare access
- Camp Lejeune (Jacksonville): Marine Corps base access, commissary, PX
- Seymour Johnson AFB (near Goldsboro): Air Force base, 1 hour from Raleigh
- Coast Guard stations: Elizabeth City, Wilmington
Veterans with military retiree status or 100% disabled veterans retain installation access.
School Quality by City (Families with Children)
Best school systems:
- Cary (Wake County) - 8-10/10
- Raleigh suburbs (Wake County) - 7-9/10
- Charlotte suburbs (South Charlotte, Matthews) - 7-8/10
- Durham suburbs (South Durham, Hope Valley) - 6-8/10
Variable school systems (research specific schools/districts):
- Greensboro (6-7/10)
- Winston-Salem (6-7/10)
- Wilmington (6-7/10)
- Asheville (6-7/10)
Lower-performing systems:
- Fayetteville/Cumberland County (5-7/10, improving)
- Jacksonville/Onslow County (5-6/10)
Climate Preferences
- Mildest winters: Wilmington, Jacksonville (coastal)
- Four seasons with mild winters: Raleigh, Cary, Charlotte, Durham, Greensboro, Winston-Salem
- Coolest summers: Asheville (mountain elevation)
- Hottest, most humid: Fayetteville (inland, no coastal breeze)
Frequently Asked Questions
Q: Which NC city has the most veterans?
A: Cumberland County (Fayetteville) has the most veterans in North Carolina with 52,831 (2023), followed by Wake County (Raleigh/Cary) with 47,844 and Mecklenburg County (Charlotte) with 44,804.
Q: Which NC city has the highest percentage of veterans?
A: Onslow County (Jacksonville) has the highest veteran percentage in NC—21.5% of adults 18+ are veterans, followed by Cumberland County (Fayetteville) at 17%.
Q: What's the most affordable NC city for veterans?
A: Fayetteville has the lowest median home price ($225K) among major cities, followed by Jacksonville (~$250K), Winston-Salem ($265K), and Greensboro ($284K).
Q: Which NC city has the best VA healthcare access?
A: Durham, Fayetteville, and Asheville have full VA medical centers within city limits, providing the best VA access. Raleigh has excellent access (30 min to Durham VAMC). Charlotte has good access (40 min to Salisbury VAMC).
Q: I'm transitioning from Fort Liberty. Where should I live?
A: If staying near Fort Liberty: Fayetteville (most affordable, direct VA access, strongest military community). If relocating: Raleigh (best jobs), Charlotte (urban amenities), or Cary (best schools, highest cost).
Q: Which NC city is best for using the GI Bill?
A: Raleigh/Durham metro offers the most options—NC State (strong engineering/tech), UNC Chapel Hill (top public university), Duke (elite with full Yellow Ribbon), Wake Technical CC (excellent trades). Chapel Hill and Durham are 15-30 minutes from Raleigh.
Q: I'm a 100% disabled veteran. Where do I save the most on property taxes?
A: Currently, Charlotte saves the most ($470/year) due to higher tax rate, followed by Raleigh ($392), Jacksonville (~$380), Fayetteville ($364), and Greensboro ($329). If Senate Bill 660 passes increasing the exclusion to $500K+ by 2027, cities with higher home values (Cary, Asheville, Raleigh, Charlotte) will see dramatically higher savings ($4,000-$5,000+/year).
Q: Which NC city has the best job market for veterans?
A: Raleigh (#1—Research Triangle Park tech jobs, state government with veteran hiring preference), Charlotte (#2—banking/finance, major corporations), Durham (#3—Duke Health, biotech), Fayetteville (#4—Fort Liberty civilian jobs).
Q: I want to live near the beach. Should I choose Wilmington or Jacksonville?
A: Wilmington if you want: larger city, more amenities, higher income potential, diverse economy ($463K homes). Jacksonville if you want: stronger military community, more affordable ($250K homes), Camp Lejeune proximity, Marine Corps culture. Both have beach access.
Q: Which NC city is best for retirees?
A: Depends on priorities. Asheville (mountain lifestyle, arts, outdoor recreation but expensive at $567K). Wilmington (coastal lifestyle, beaches, warm winters at $463K). Fayetteville or Greensboro (affordability $225K-$284K, low cost of living). Raleigh suburbs (mild climate, healthcare access, amenities at $450K+).
Q: I'm moving to NC and prioritize safety. Where should I live?
A: Cary (#1—consistently ranks as one of safest cities nationally). Raleigh suburbs (North Raleigh, Apex, Wake Forest—low crime). Charlotte suburbs (South Charlotte, Ballantyne, Matthews—low crime). Research specific neighborhoods—crime varies significantly within all NC cities.
Q: Do all NC cities offer the $45,000 property tax exclusion for 100% disabled veterans?
A: Yes. The disabled veteran homestead exclusion is a statewide North Carolina benefit available in all counties. County tax rates vary, so savings differ, but all NC counties honor the $45,000 exclusion (potentially increasing to $75K-$500K if Senate Bill 660 passes).
Q: Which NC city is best for families with children?
A: Cary (#1—best schools in NC, safest, highest income, but most expensive at $598K). Raleigh suburbs (excellent Wake County schools, safer than urban core, $350K-$450K). Charlotte suburbs (South Charlotte, Matthews—good schools, safe, $400K+). Avoid urban cores and research specific school districts before choosing neighborhoods.
Q: I'm separating from Camp Lejeune. Should I stay in Jacksonville or move?
A: Stay in Jacksonville if: you have civilian job at Camp Lejeune, want strong military community, prioritize affordability, have Marine Corps ties. Move to Raleigh if: seeking career growth, using GI Bill at major university, want better job market. Move to Wilmington if: want beach lifestyle with more amenities/opportunities than Jacksonville.
Last updated: 2025. Housing prices, unemployment rates, and statistics based on 2024-2025 data. Verify current conditions before relocating. For veteran-specific assistance, contact NC Department of Military and Veterans Affairs: (844) 624-8387 | milvets.nc.gov