Gold IRA Companies in Georgetown Meet a City Retirees Built

Gold IRA companies in Georgetown open every conversation with the same number: 27%, the share of residents who are 65 or older, a figure high enough to make this Williamson County seat feel like a retirement town that happens to also be the fastest-growing city in America. The 2020 Census counted 67,176 residents here. By 2025, Georgetown had crossed 100,000 — a jump of nearly 50% in under five years, enough for the city to lead the nation in growth among cities over 50,000 people for a third consecutive year, according to Census Bureau estimates. Most growth stories like that run on young families and tech jobs. Georgetown's doesn't. A large share of the people moving in aren't starting careers — they're ending them, choosing this stretch of Williamson County, roughly 35 miles north of Austin, to do it.

Del Webb bought more than 7,000 acres of ranch land on Georgetown's western edge in 1994 and broke ground on Sun City Texas the following year. Three decades later, the age-55-and-up community spans 4,750 acres, holds more than 9,900 homes, and carries city approval to build out to roughly 10,550 homes and about 18,500 residents — making it the largest 55-plus community in the state. It comes with 86,000 square feet of resort-style amenities and three 18-hole golf courses, the kind of infrastructure a town builds when it expects people to stay for decades, not years. Here's the part that surprises people: Sun City's numbers run lower than Georgetown's citywide figures, not higher. Median household income inside Sun City sits around $88,564, against $95,062 citywide. Average home values run closer to $287,500, well under the city's $429,100 median. The retirees driving Georgetown's growth aren't arriving with the kind of nest egg you'd see in a wealthier Austin suburb thirty minutes south. They're often arriving with a paid-off house from somewhere else, a modest pension or 401(k), and a plan to make it last — which is a different gold IRA conversation entirely.

Georgetown's working-age population splits across employer types that don't share a retirement system, and that matters the moment someone tries to move money. Williamson County government — the courthouse, the sheriff's office, the rest of county government — enrolls employees in the Texas County & District Retirement System, a plan built specifically for county and district workers rather than the teacher-focused system used elsewhere in the state. Members contribute 7% of salary automatically, and the county sets its own match; unlike a typical 401(k), the account runs as a cash-balance plan funded mostly by pooled investment returns rather than an individual's own market picks. Georgetown ISD employees, meanwhile, pay into the Teacher Retirement System of Texas, the state's separate pension for public educators. St. David's Georgetown Hospital — an HCA-affiliated, 111-bed facility that's part of the fourth-largest private employer group in the Austin metro — runs an ordinary corporate 401(k). And Southwestern University, the private liberal arts college that's operated in Georgetown since 1840 and employs more than 500 people, sits apart from all three: as a private institution, its plan isn't tied to any state system at all.

Georgetown's three ZIP codes tell three different financial stories. 78626 covers the central and eastern side of town, including the historic downtown square and the city's older, established neighborhoods. 78628 covers the west side, home to newer master-planned communities like Wolf Ranch. 78633 covers the north, and it's almost entirely Sun City. The property tax numbers split along the same lines: homes in 78628 carry a median effective rate near 1.56%, while 78633 runs closer to 0.98% — a gap that lines up with how many Sun City residents qualify for Texas's mandatory over-65 school tax ceiling, which locks in a homeowner's school district tax bill once they turn 65 regardless of rising valuations. Layer city and county rates on top of that: Georgetown's own 2025 rate fell between a no-new-revenue figure of $0.340269 and a voter-approval ceiling of $0.353152 per $100 of assessed value, actually a decrease from the year before, while Williamson County's rate climbed 3.4% to $0.413776 per $100 for fiscal 2025-26. None of it touches how a gold IRA rollover itself gets taxed — Texas charges no state income tax on any retirement distribution — but it shapes how much of a Georgetown household's balance sheet is already tied up in the house before a rollover conversation even starts.

A lot of Georgetown's gold IRA conversations start with someone who just moved here, not someone who's lived here for decades — which changes the checklist. Get the full first-year fee schedule in writing, covering setup, annual custodian costs, storage, and the markup over spot, from at least three companies before signing with any of them. If the funds are coming from a TCDRS account, confirm directly with the county or TCDRS whether the employee has actually separated from service, since that account doesn't roll over the way an active 401(k) does. If the money's arriving from an out-of-state 401(k) or IRA tied to wherever a Sun City buyer moved from, make sure the old custodian's rules don't get lost in a cross-state move. And ask any custodian directly whether it defaults to the Texas Bullion Depository in Leander, about 12 miles south of Georgetown, or ships metal out of state without being asked. Few Texas cities sit this close to the vault — worth asking about before a Georgetown gold IRA rollover heads out of state by default.