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Barnstable, Massachusetts Retirement Guide
established retirement community
43
Retirement Score
Barnstable, Massachusetts at a Glance
- Median Home Price
- $498,700
- State Income Tax
- State income tax; Social Security exempt; many public pensions exempt with partial rules for others.
- Avg January Low
- 29.7°F
- Cost of Living Index
- 109.4 (US avg = 100)
- Best For
- established retirement community
- RetireCityIQ Score
- 43 / 100
Retirement Data
Affordability
Cost of Living Index
109.4 (U.S. avg = 100)Medium confidence
BEA Regional Price Parities · Updated March 2026
Median Home Price
$498,700High confidence
U.S. Census ACS 5-Year · Updated April 2026
Median Monthly Rent
$1,711High confidence
U.S. Census ACS 5-Year · Updated April 2026
Taxes
Retirement Tax Score
45 / 100Medium confidence
Tax Foundation · Updated March 2026
Tax Details
State income tax; Social Security exempt; many public pensions exempt with partial rules for others.Medium confidence
Tax Foundation · Updated March 2026
Retiree Readiness (Sprint 2)
Care Access Score (proxy)
26.7 / 100High confidence
RetireCityIQ proxy model · Updated April 2026
Aging-in-Place Score (proxy)
55 / 100High confidence
RetireCityIQ proxy model · Updated April 2026
Healthcare
Healthcare Access Score
26.7 / 100Medium confidence
CMS Provider of Services · Updated March 2026
Climate
Avg July High
81.3°FMedium confidence
Open-Meteo Historical Weather (ERA5) · Updated March 2026
Avg January Low
29.7°FMedium confidence
Open-Meteo Historical Weather (ERA5) · Updated March 2026
Annual Precipitation
46.7"Medium confidence
Open-Meteo Historical Weather (ERA5) · Updated March 2026
Sunny Days / Year
263 daysMedium confidence
Open-Meteo Historical Weather (ERA5) · Updated March 2026
Safety
Safety Score
100 / 100Medium confidence
FBI Crime Data Explorer · Updated March 2026
Walkability
Walk Score (proxy)
31.8 / 100Medium confidence
U.S. Census ACS 5-Year (B08301) · Updated March 2026
Transit Score (proxy)
4.7 / 100Medium confidence
U.S. Census ACS 5-Year (B08301) · Updated March 2026
Demographics
Population
48,922High confidence
U.S. Census ACS 5-Year · Updated April 2026
Median Age
47.1High confidence
U.S. Census ACS 5-Year · Updated April 2026
Age 65+
23.4%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Median Household Income
$94,387High confidence
U.S. Census ACS 5-Year · Updated April 2026
Community Profile
Owner-Occupied Housing
75.6%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Veterans
7.5%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Bachelor's Degree+
39.5%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Poverty Rate
6.9%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Diversity
White
81.0%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Black
6.3%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Hispanic/Latino
6.9%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Asian
0.9%High confidence
U.S. Census ACS 5-Year · Updated April 2026
10-Year Housing Stress Test (Estimate)
Estimate monthly homeowner carrying cost in Barnstable using median home price and adjustable assumptions. Stress case applies +10% property tax, +20% insurance, +10% maintenance.
Estimated monthly carrying cost
$1,081
Stress-case monthly carrying cost
$1,214
Median home price used: $498,700
Median rent reference: $1,711 / month
Estimate includes property tax, insurance, maintenance reserve, and HOA. It excludes mortgage, utilities, and one-time transaction costs.