They become the 13th and 14th counties to meet the criteria for the Retire Tennessee project, which includes marketing efforts to attract retirees.
The other counties are Cumberland, Hamilton, Hardin, Henry, Jefferson, Loudon, Maury, Putnam, Roane, Robertson, Sullivan and Warren.
State officials said the program is part of an economic development strategy.
Franklin County was touted for its hometown charm and great Southern living. White County has been welcoming retirees for many years.