Moving To Nashville? Don’t Retire to Nashville TN! Try Gallatin’s 55+ Community Instead

If you're thinking about Moving To Nashville and the dream looks like easy days, friendly neighbors, lake days, and still the option to catch a show on Broadway or a game downtown, you owe it to yourself to read this. I'm Susan Thetford — a native Nashvillian, a realtor in the Nashville area, and a retired general contractor — and I want to share what I learned touring a brand-new 55+ community in Gallatin, Tennessee. In this article I'll walk you through floor plans, energy-efficient features, lifestyle advantages, and the honest pros and cons so you can decide if Gallatin should be on your shortlist when Moving To Nashville.

Why Gallatin should be on your radar when Moving To Nashville

When people tell me they're Moving To Nashville, they often list a set of priorities that seems hard to combine: under $600,000, one-level living, two-car garage, newer construction, easy access to downtown when they want it, and great hospitals. I hear those priorities all the time. After touring this Gallatin community, it's clear to me that you can have most — if not all — of those things by choosing a thoughtfully designed 55+ community outside the city rather than buying in downtown Nashville itself.

Gallatin offers a small-town feel with big perks: lower taxes, lake access (Old Hickory Lake), new construction with modern finishes, gated communities with “lock-and-go” ease, and resort-style amenities that keep you active without the Nashville traffic every day. If Moving To Nashville means you want proximity without constant city living, Gallatin might be exactly what you’re looking for.

The community and homes: built for comfort, safety, and longevity

This is a 55+ community thoughtfully designed for long-term comfort. The homes feature solid surface flooring, wide hallways, and wide doorways — small but important design elements that make the houses feel accessible now and in the future. If mobility concerns arise later in life, you won’t have to sell your home to move into something more accessible. These homes were built with those needs in mind.

Inside, you'll find modern kitchens with solid surface countertops, a wide double sink with no divider (great for accessibility and space), and stainless appliances. Deep soaking tubs for those aching days, double sinks in the primary bathroom, and large closets are standard. These aren't just cookie-cutter retirement units; they’re refined and new, the kind of spaces that let you age in place with dignity and comfort.

Floor plans and villa options

There are four main models of single-family homes at this community, each with variations you can choose from. Some plans offer the option to finish a second-floor bonus area with an additional bathroom — turning a one-level concept into a flexible 2,700 sq ft design if you need it. This kind of flexibility is perfect for people who plan ahead: keep it simple now and add finished space later if your lifestyle changes.

The villas are attached units — you share one wall (usually along the garage), but every villa has multiple outside walls for natural light. Villa layouts include two-bedroom plus office or three-bedroom variations around 1,475 sq ft. Because they attach on the garage side, daylight isn't an afterthought; these villas feel airy and private, and they come with private patios.

Energy efficiency and modern mechanicals

One of the most important features for downsizers is energy efficiency — smaller homes today, but smart homes. These homes have tankless water heaters, gas heat, and gas cooking. Gas cooking is increasingly rare in newer developments, so if you love to cook on gas, this is a welcome feature. The homes were built in 2020 or later, which means newer insulation standards, modern HVAC, and building techniques that help keep utility costs down compared to older homes.

Amenities that keep you active and social

For many buyers considering Moving To Nashville, the lifestyle matters as much as the house. This Gallatin community delivers with resort-style amenities geared toward active adults:

• Gated entry for security and peace of mind
• A brand-new amenity center (just opened) with a pool and gathering spaces
• Tennis and pickleball courts — eight courts in total, which is more than most newer communities provide
• Planned community events and social programming
• Professional grounds maintenance — perfect for “lock and go” lifestyles

Having eight courts is one of those details that makes a real difference. Many places underbuild for court lovers and residents end up waiting or scheduling around limited court time. This community anticipates demand and provides the room to play. If you like to be active — tennis, pickleball, swimming, or just pool days with friends — you’re covered.

Location: Lake access, local charm, and a reasonable drive to downtown

One of the biggest draws of Gallatin is Old Hickory Lake. If you enjoy boating, kayaking, fishing, or waterfront days with friends, you can be at the boat in roughly 15 minutes. The lake offers hundreds of miles of shoreline across Sumner County and connects you to nearby communities like Mount Juliet. That lake lifestyle paired with the convenience of being about 35 minutes (under ideal traffic conditions) from downtown Nashville gives you the best of both worlds: peaceful neighborhood life with quick access to Music City when you want it.

The Gallatin town square itself is charming. Expect boutiques, festivals, and live music — a postcard-perfect small town that still has personality and cultural life. When people say they want to be close to Nashville but not in the middle of it, this is often the balance they’re picturing.

Costs, taxes, and HOA: what to expect

Cost is a big factor for folks Moving To Nashville. If you’re buying in central Nashville, your budget can be stretched quickly. In Gallatin, you’ll find comparably lower home prices and notably lower county taxes than Davidson County. We saw villa units listed around $2400 annually in taxes for the home examples we toured — yes, that's for the year, not per month — which is substantially less than many Nashville neighborhoods.

HOA dues do tend to be higher in gated, amenity-heavy communities. The trade-off is that the HOA handles mowing, security, amenity maintenance, and general exterior upkeep — a big advantage if you want a low-maintenance lifestyle or plan to travel often. Many buyers appreciate paying a bit more in HOA fees to have that “lock and go” peace of mind.

Pros and cons: honest takeaways for those Moving To Nashville

Now for the meat of the matter — the pros and cons. I always give the honest skinny. Here’s what you need to know when you're weighing Gallatin vs other spots while Moving To Nashville.

Pros

• Close enough to Nashville — Concerts, Broadway, sporting events, and high-end dining are a drive away when you want them, but you can come home to quiet.
• Lake life — Routine boating, fishing, and kayaking are within easy reach; perfect for outdoor lovers.
• Small-town charm — Gallatin’s square, boutiques, and festivals give local flavor and community connection.
• Lower taxes and home prices — Compared to Davidson County, you’ll likely pay less in property taxes and can find newer homes in your budget.
• Neighbors know you — This is a real advantage in a 55+ community and small town: local shop owners and baristas learn your name, and there’s a sense of belonging.

Cons

• Traffic — The 386 bypass and main routes into Nashville can get congested, especially during peak hours. It’s something locals feel strongly about.
• Not ultra walkable — If your ideal life is walkable neighborhood errands, Gallatin’s suburban layout may not match that lifestyle.
• Shopping choices — Essentials are available locally, but for big-box retail or higher-end malls you may need to drive to neighboring Hendersonville or further.
• Hot, humid summers — Tennessee heat and humidity are real — Lake proximity can increase humidity at times.
• Specialized medical care — General healthcare is available locally, but for highly specialized care and VA hospitals you may need to travel to Nashville or Murfreesboro.
• Growth pressures — Gallatin is booming. That means new construction, traffic growth, and the familiar growing pains of a desirable area.

Who this community is for — and who should keep looking

If you're Moving To Nashville and your ideal life includes one-level living, a two-car garage, modern energy-efficient systems, easy lake access, organized activities, and a gated community with lower taxes — this Gallatin 55+ community could be a home run. It’s especially well-suited for:

• Active adults who enjoy tennis, pickleball, swimming, and social events
• People who want newer construction with accessible design elements to age in place
• Buyers who prefer lower taxes and a small-town vibe with occasional trips into the city
• Those who want a “lock and go” community with HOA-maintained grounds

Who it’s not for:

• People who want ultra-rural solitude (this is suburban, amenity-rich living)
• Those who hate driving or need a fully walkable environment
• Buyers who need immediate access to highly specialized medical centers or VA hospitals

Making the move: planning, affordability, and next steps

If you’re serious about Moving To Nashville but want to prioritize affordability, access to nature, and low-maintenance living, start by clarifying your must-haves. Write down your wishlist (I call them wish-listing priorities): one-level living, two-car garage, newer construction, proximity to downtown, and lower taxes. Then map those priorities to communities like this Gallatin neighborhood.

Here are practical steps I recommend:

1. Decide your absolute non-negotiables (e.g., one-level living, budget cap, proximity to family).
2. Compare property taxes and HOA fees for targeted communities — remember to calculate annual costs, not just monthly mortgage.
3. Plan a visit to tour homes and the amenity center; test drive the commute to Nashville during peak and off-peak hours.
4. Talk to local healthcare providers about the availability of specialty services if that’s important to you.
5. Factor in long-term resale and aging-in-place needs — accessible doorways, shallow thresholds, and wide hallways matter.

If you’d like, download a relocation guide and schedule a 30-minute call to talk through lifestyle needs. Having a local realtor who’s also a native and a contractor helps — you get market insight and construction know-how in one conversation.

Final thoughts: is Gallatin the smart alternative when Moving To Nashville?

There’s a lot to love here. For many retirees and active adults, choosing Gallatin over downtown neighborhoods in Nashville gives more living space, lower taxes, a calmer pace, and a lifestyle centered on activity and community. You can still get into Nashville when you want the big-city perks, but come home to lake access, friendly neighbors, and resort-style amenities.

If your plan for Moving To Nashville is to have the best of Music City available without living in the thick of it every day, Gallatin’s 55+ communities deserve a spot on your shortlist. With smart floor plans, energy-efficient systems, and amenities that keep you active and social, these neighborhoods are thoughtfully designed for the life you want next.

Want help narrowing down options or evaluating walk-throughs and costs? Reach out for a conversation — I love helping people plan their next chapter and making Moving To Nashville (or near-Nashville) stress-free and smart.

Ready to explore Gallatin or other great spots while Moving To Nashville? Download the relocation guide and let’s talk.