🇺🇸 North America

FIRE Number for Savannah, United States

Name: Savannah, United States
Address: Savannah, United States

United States

Moss-Draped Squares, Affordable Southern Charm, and Coastal Access

FIRE Score Based on safety, healthcare, infrastructure & expat friendliness

Savannah offers one of the best value propositions among charming Southern cities. Its iconic moss-draped squares, historic architecture, and walkable downtown create a storybook setting at a fraction of the cost of nearby Charleston. Georgia's moderate tax burden and Savannah's genuinely affordable housing make it an excellent FIRE destination. The city's art scene, excellent seafood, and proximity to Tybee Island beaches round out a compelling retirement package.

Lean FIRE, FIRE, and Fat FIRE for Savannah

Needed to retire here is the portfolio that, in a historical backtest, would have lasted your retirement at your chosen confidence and length. Status is the verdict for your portfolio. The 4% rule benchmark is shown underneath each figure for reference only.

Use my own healthcare cost

Lifestyle	Needed to retire here	Monthly Cost
Lean FIRE	$1.06M	$3,550/mo
FIRE	$1.8M	$6,000/mo
Fat FIRE	$4.32M	$14,400/mo

Cost data: Q1 2026 · Medium confidence

Cost of Living Breakdown for Savannah

All cost and FIRE figures assume a single adult.

Lean FIRE Lifestyle

$1.06M

A one-bedroom in Midtown or the Starland District runs around $1,250, leaving enough for groceries, a car, and basic health coverage. You cook most meals at home but can afford casual Southern restaurants a couple of times a week. The 22 historic squares and Forsyth Park are free to enjoy daily, and Tybee Island is a short drive. Summer A/C is the biggest recurring cost to watch.

FIRE Lifestyle

$1.8M

A historic rowhouse on one of the squares or a waterfront home on Wilmington Island is well within reach. Regular dinners at The Grey and Elizabeth on 37th, a golf membership, and weekend boating on the Intracoastal Waterway fill the calendar. This budget leaves comfortable margin for travel and savings. Savannah's small-city scale makes it easy to build a social circle.

Fat FIRE Lifestyle

$4.32M

A landmark historic home on a prime square, a full-time housekeeper and property manager, and a cook who comes in several times a week. A boat for the waterways, first-class travel, and regular fine dining are all comfortable. Savannah's low cost base means this budget covers premium housing, regular domestic help, and generous travel without feeling stretched.

Retirement Confidence

The 4% rule is a great starting point. Here we go a step further and test your plan against real market history.

Enter your portfolio on the homepage to backtest a retirement in Savannah against market history.

How this is calculated

This is a real historical backtest. We run your plan through every retirement-length window in US market history (1871–2022): a 75% stock / 25% bond portfolio, rebalanced annually, with withdrawals raised each year for that period's actual inflation. The success rate is the share of those historical start years in which the money lasted the full length without running out.

Your confidence level sets the bar: at Balanced (90%), a survival rate of 90% or more reads "You can retire here", within 10 points below is "Close — worth a closer look", and lower is "Not quite yet". The same level sizes the "Needed to retire here" target. Retirement length also drives it — early retirees planning 40–50+ years see lower survival than the 30-year baseline.

Healthcare, Visa & City Overview

climate Warm

healthcare Good

english Widely spoken

safety Exercise caution

visa Easy

Timezone

EST (UTC-5)

Currency

USD

Language

English

Avg. Temperature

66°F / 19°C

Internet

150+ Mbps average

Airport

Savannah/Hilton Head International (SAV)

Frequently Asked Questions About Retiring in Savannah

What is the FIRE Number for Savannah, United States?

The FIRE Number for Savannah ranges from $1.06M (Lean FIRE lifestyle) to $4.32M (Fat FIRE lifestyle). A FIRE retirement requires a portfolio of approximately $1.8M, based on estimated monthly costs of $6,000 and a 4% safe withdrawal rate.

How much does it cost to retire in Savannah?

Monthly living costs in Savannah range from $3,550 (Lean FIRE) to $6,000 (FIRE), covering housing, dining, groceries, healthcare, transportation, entertainment, and utilities.

What is healthcare like in Savannah for retirees?

Healthcare in Savannah costs approximately $625 to $675/month depending on coverage level. ACA Silver plan on the Georgia marketplace; Memorial Health nearby.

What is the weather like in Savannah?

Subtropical with hot, humid summers and mild, short winters The average temperature is 66°F / 19°C.

How safe is Savannah for retirees?

Moderate – safe in historic and suburban areas; some rougher pockets