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Bismarck, North Dakota Retirement Guide
established retirement community
49
Retirement Score
Bismarck, North Dakota at a Glance
- Median Home Price
- $312,300
- State Income Tax
- State income tax (low rate); Social Security fully exempt; partial retirement income deduction.
- Avg January Low
- 4.2°F
- Cost of Living Index
- 88.7 (US avg = 100)
- Best For
- established retirement community
- RetireCityIQ Score
- 49 / 100
Retirement Data
Affordability
Cost of Living Index
88.7 (U.S. avg = 100)Medium confidence
BEA Regional Price Parities · Updated March 2026
Median Home Price
$312,300High confidence
U.S. Census ACS 1-Year · Updated April 2026
Median Monthly Rent
$877High confidence
U.S. Census ACS 1-Year · Updated April 2026
Taxes
Retirement Tax Score
45 / 100Medium confidence
Tax Foundation · Updated March 2026
Tax Details
State income tax (low rate); Social Security fully exempt; partial retirement income deduction.Medium confidence
Tax Foundation · Updated March 2026
Retiree Readiness (Sprint 2)
Care Access Score (proxy)
31.9 / 100High confidence
RetireCityIQ proxy model · Updated April 2026
Aging-in-Place Score (proxy)
49.1 / 100High confidence
RetireCityIQ proxy model · Updated April 2026
Healthcare
Healthcare Access Score
31.9 / 100Medium confidence
CMS Hospital General Information · Updated March 2026
Climate
Avg July High
81.9°FMedium confidence
Open-Meteo Historical Weather (ERA5) · Updated March 2026
Avg January Low
4.2°FMedium confidence
Open-Meteo Historical Weather (ERA5) · Updated March 2026
Annual Precipitation
22.5"Medium confidence
Open-Meteo Historical Weather (ERA5) · Updated March 2026
Sunny Days / Year
288 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)
20 / 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
73,694High confidence
U.S. Census ACS 5-Year · Updated April 2026
Median Age
38.0High confidence
U.S. Census ACS 5-Year · Updated April 2026
Age 65+
18.5%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Median Household Income
$76,014High confidence
U.S. Census ACS 5-Year · Updated April 2026
Community Profile
Owner-Occupied Housing
65.4%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Veterans
7.1%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Bachelor's Degree+
37.4%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Poverty Rate
9.2%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Diversity
White
86.0%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Black
2.5%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Hispanic/Latino
2.7%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Asian
1.0%High confidence
U.S. Census ACS 5-Year · Updated April 2026
10-Year Housing Stress Test (Estimate)
Estimate monthly homeowner carrying cost in Bismarck using median home price and adjustable assumptions. Stress case applies +10% property tax, +20% insurance, +10% maintenance.
Estimated monthly carrying cost
$677
Stress-case monthly carrying cost
$760
Median home price used: $312,300
Median rent reference: $877 / month
Estimate includes property tax, insurance, maintenance reserve, and HOA. It excludes mortgage, utilities, and one-time transaction costs.