Retiring in Georgetown
Georgetown is a genuinely major Texas retirement destination, anchored by Sun City Texas -- the largest active-adult (55+) community in the state -- and the numbers back up how much this shapes the city: 28.19% of Georgetown's population is 65 or older, more than double the 16.84% national average and far above Williamson County's own roughly 13% share. Combined with Texas's standard no-income-tax and over-65 property-tax protections and genuine in-city hospital access, Georgetown is a strong, well-documented fit for retirees specifically seeking an amenity-rich, age-restricted community -- with the honest caveat that this is a defining, not incidental, part of the city's identity.
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Learn moreSun City Texas: The Scale That Drives the Numbers
Per this site's Georgetown base record, Sun City Texas spans 5,300 acres with more than 7,500 homes built and roughly 11,253 current residents, against an approved full build-out near 10,550 homes -- the largest 55+ active-adult community in Texas, managed by Del Webb. Amenities include three championship 18-hole golf courses (Cowan Creek, Legacy Hills, and White Wing), four fitness centers, eight pools, 86,000 square feet of indoor amenity space, more than 100 resident clubs, and a 9-mile trail network. HOA fees run roughly $1,200-$1,900/year (plus a one-time $650 working-capital fee on purchase), with golf memberships separate and optional at roughly $200-$350+/month. Resale homes start in the low $300s -- a genuinely accessible entry point for many retirees on a fixed income. That scale shows up directly in the city's demographics: 28.19% of Georgetown's overall population is 65 or older, per Census-based data reviewed August 2026 -- compared with 16.84% nationally and about 13% in Williamson County as a whole, and well above Austin's roughly 10-11% 65+ share in Travis County (per this site's Austin research). Georgetown is not a city with some retirees, it's a city where retirees make up more than a quarter of the population.
No State Income Tax, Plus Over-65 Property Tax Protections
Texas has no state income tax, applying fully to retirement income (Social Security, pensions, 401(k)/IRA withdrawals) as it does statewide. Homeowners 65 or older get an additional homestead exemption on top of the standard exemption, plus a school-district tax ceiling that freezes that portion of the bill at the amount owed the year they first qualify -- a genuinely valuable protection for anyone retiring in place here (see the taxes topic page for the fuller statewide mechanism).
Healthcare Access
St. David's Georgetown Hospital (118 beds, part of the St. David's HealthCare system) provides genuine in-city access for routine and many specialty needs, with the deeper Austin-area hospital system a real, if genuinely longer, drive away for the most severe trauma or the most specialized academic-medical-center-tier care (see the healthcare topic page). For a retirement-focused buyer, this in-city hospital access is a meaningful asset relative to smaller, more remote Texas retirement markets.
The Honest Caveat: This Shapes the Whole City, Not Just One Neighborhood
Sun City's scale means Georgetown's retirement-community identity is not confined to one subdivision -- it materially shapes the city's overall demographics, commercial character, and civic priorities. This is disclosed here as a genuine, positive draw for retirees specifically seeking that lifestyle, and equally as a real fact for buyers not seeking a retirement-community-influenced city to understand upfront (see the pros-and-cons topic page).
Key takeaways
- Sun City Texas is the largest 55+ active-adult community in the state (5,300 acres, 7,500+ homes built, ~11,253 residents), with three golf courses, eight pools, 100+ resident clubs, and resale homes starting in the low $300s.
- 28.19% of Georgetown's overall population is 65 or older -- more than double the 16.84% national average and far above Williamson County's ~13% -- a real, striking outlier directly attributable to Sun City's scale.
- No state income tax applies fully to retirement income, and homeowners 65+ get an additional exemption plus a school-tax ceiling that freezes future increases -- real, statewide Texas protections that apply fully in Georgetown.
- St. David's Georgetown Hospital provides genuine in-city healthcare access; Georgetown's retirement-community identity shapes the whole city, not one neighborhood -- a real draw for retirees seeking it, and a real fact for those not seeking it to know upfront.
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