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Athens, Tennessee Retirement Guide
75
Retirement Score
Athens, Tennessee at a Glance
- Median Home Price
- $182,100
- State Income Tax
- No state income tax; Social Security and pension income fully exempt.
- Avg January Low
- 31.5°F
- Cost of Living Index
- 91.8 (US avg = 100)
- Best For
- N/A
- RetireCityIQ Score
- 75 / 100
Retirement Data
Affordability
Cost of Living Index
91.8 (U.S. avg = 100)High confidence
BEA Regional Price Parities · Updated May 2026
Median Home Price
$182,100High confidence
U.S. Census ACS 5-Year · Updated June 2026
Median Monthly Rent
$795High confidence
U.S. Census ACS 5-Year · Updated June 2026
Taxes
Retirement Tax Score
100 / 100High confidence
Tax Foundation · Updated June 2026
Tax Details
No state income tax; Social Security and pension income fully exempt.High confidence
Tax Foundation · Updated June 2026
Retiree Readiness (Sprint 2)
Care Access Score (proxy)
83.5 / 100High confidence
RetireCityIQ proxy model · Updated June 2026
Aging-in-Place Score (proxy)
33.3 / 100High confidence
RetireCityIQ proxy model · Updated June 2026
Healthcare
Healthcare Access Score
83.5 / 100High confidence
CMS Hospital General Information · Updated June 2026
Climate
Avg July High
89.7°FHigh confidence
RetireCityIQ state median imputation after Open-Meteo coverage gaps · Updated May 2026
Avg January Low
31.5°FHigh confidence
RetireCityIQ state median imputation after Open-Meteo coverage gaps · Updated May 2026
Annual Precipitation
53.8"High confidence
RetireCityIQ state median imputation after Open-Meteo coverage gaps · Updated May 2026
Sunny Days / Year
295 daysHigh confidence
RetireCityIQ state median imputation after Open-Meteo coverage gaps · Updated May 2026
Safety
Safety Score
58.8 / 100High confidence
FBI Crime Data Explorer · Updated June 2026
Walkability
Walk Score (proxy)
21.8 / 100High confidence
U.S. Census ACS 5-Year (B08301) · Updated June 2026
Transit Score (proxy)
0 / 100High confidence
U.S. Census ACS 5-Year (B08301) · Updated June 2026
Demographics
Population
14,091High confidence
U.S. Census ACS 5-Year · Updated June 2026
Median Age
41.2High confidence
U.S. Census ACS 5-Year · Updated June 2026
Age 65+
18.2%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Median Household Income
$50,150High confidence
U.S. Census ACS 5-Year · Updated June 2026
Community Profile
Owner-Occupied Housing
57.7%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Veterans
6.3%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Bachelor's Degree+
23.0%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Poverty Rate
19.1%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Diversity
White
85.7%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Black
7.1%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Hispanic/Latino
6.7%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Asian
1.1%High confidence
U.S. Census ACS 5-Year · Updated June 2026
10-Year Housing Stress Test (Estimate)
Estimate monthly homeowner carrying cost in Athens using median home price and adjustable assumptions. Stress case applies +10% property tax, +20% insurance, +10% maintenance.
Estimated monthly carrying cost
$395
Stress-case monthly carrying cost
$443
Median home price used: $182,100
Median rent reference: $795 / month
Estimate includes property tax, insurance, maintenance reserve, and HOA. It excludes mortgage, utilities, and one-time transaction costs.
Local Professionals
Financial Advisors
CAPITAL SQUARE, LLC
CAPITAL SQUARE, LLC
CAPITAL SQUARE, LLC
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