Photo by Squids Z on Unsplash (https://unsplash.com/@squids93)
Bedford, Indiana Retirement Guide
established retirement community
69
Retirement Score
Bedford, Indiana at a Glance
- Median Home Price
- $123,200
- State Income Tax
- State income tax; Social Security exempt; some retirement income deductions available.
- Avg January Low
- 26.3°F
- Cost of Living Index
- 91.9 (US avg = 100)
- Best For
- established retirement community
- RetireCityIQ Score
- 69 / 100
Retirement Data
Affordability
Cost of Living Index
91.9 (U.S. avg = 100)Medium confidence
BEA Regional Price Parities · Updated March 2026
Median Home Price
$123,200High confidence
U.S. Census ACS 5-Year · Updated April 2026
Median Monthly Rent
$780High 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; some retirement income deductions available.Medium confidence
Tax Foundation · Updated March 2026
Retiree Readiness (Sprint 2)
Care Access Score (proxy)
85.2 / 100High confidence
RetireCityIQ proxy model · Updated April 2026
Aging-in-Place Score (proxy)
53.7 / 100High confidence
RetireCityIQ proxy model · Updated April 2026
Healthcare
Healthcare Access Score
85.2 / 100Medium confidence
CMS Hospital General Information · Updated March 2026
Climate
Avg July High
86.8°FMedium confidence
Open-Meteo Historical Weather (ERA5) · Updated March 2026
Avg January Low
26.3°FMedium confidence
Open-Meteo Historical Weather (ERA5) · Updated March 2026
Annual Precipitation
43.3"Medium confidence
Open-Meteo Historical Weather (ERA5) · Updated March 2026
Sunny Days / Year
286 daysMedium confidence
Open-Meteo Historical Weather (ERA5) · Updated March 2026
Safety
Safety Score
98.2 / 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)
0.6 / 100Medium confidence
U.S. Census ACS 5-Year (B08301) · Updated March 2026
Demographics
Population
13,802High confidence
U.S. Census ACS 5-Year · Updated April 2026
Median Age
42.5High confidence
U.S. Census ACS 5-Year · Updated April 2026
Age 65+
23.8%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Median Household Income
$49,492High confidence
U.S. Census ACS 5-Year · Updated April 2026
Community Profile
Owner-Occupied Housing
65.0%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Veterans
10.0%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Bachelor's Degree+
16.3%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Poverty Rate
15.7%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Diversity
White
94.7%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Black
0.5%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Hispanic/Latino
3.5%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Asian
0.8%High confidence
U.S. Census ACS 5-Year · Updated April 2026
10-Year Housing Stress Test (Estimate)
Estimate monthly homeowner carrying cost in Bedford using median home price and adjustable assumptions. Stress case applies +10% property tax, +20% insurance, +10% maintenance.
Estimated monthly carrying cost
$267
Stress-case monthly carrying cost
$300
Median home price used: $123,200
Median rent reference: $780 / month
Estimate includes property tax, insurance, maintenance reserve, and HOA. It excludes mortgage, utilities, and one-time transaction costs.