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Cape Girardeau, Missouri Retirement Guide
established retirement community
54
Retirement Score
Cape Girardeau, Missouri at a Glance
- Median Home Price
- $177,500
- State Income Tax
- State income tax; Social Security partially exempt based on income; limited pension deduction.
- Avg January Low
- N/A
- Cost of Living Index
- 91 (US avg = 100)
- Best For
- established retirement community
- RetireCityIQ Score
- 54 / 100
Retirement Data
Affordability
Cost of Living Index
91 (U.S. avg = 100)Medium confidence
BEA Regional Price Parities · Updated March 2026
Median Home Price
$177,500High confidence
U.S. Census ACS 5-Year · Updated April 2026
Median Monthly Rent
$822High confidence
U.S. Census ACS 5-Year · Updated April 2026
Taxes
Retirement Tax Score
30 / 100Medium confidence
Tax Foundation · Updated March 2026
Tax Details
State income tax; Social Security partially exempt based on income; limited pension deduction.Medium confidence
Tax Foundation · Updated March 2026
Retiree Readiness (Sprint 2)
Care Access Score (proxy)Data not available
Aging-in-Place Score (proxy)
43.1 / 100High confidence
RetireCityIQ proxy model · Updated April 2026
Healthcare
Healthcare Access ScoreData not available
Climate
Avg July HighData not available
Avg January LowData not available
Annual PrecipitationData not available
Sunny Days / YearData not available
Safety
Safety Score
76.5 / 100Medium confidence
FBI Crime Data Explorer · Updated March 2026
Walkability
Walk Score (proxy)
27 / 100Medium confidence
U.S. Census ACS 5-Year (B08301) · Updated March 2026
Transit Score (proxy)
2.1 / 100Medium confidence
U.S. Census ACS 5-Year (B08301) · Updated March 2026
Demographics
Population
39,795High confidence
U.S. Census ACS 5-Year · Updated April 2026
Median Age
33.6High confidence
U.S. Census ACS 5-Year · Updated April 2026
Age 65+
18.6%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Median Household Income
$51,671High confidence
U.S. Census ACS 5-Year · Updated April 2026
Community Profile
Owner-Occupied Housing
53.9%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Veterans
6.3%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Bachelor's Degree+
35.9%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Poverty Rate
21.6%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Diversity
White
77.7%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Black
13.8%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Hispanic/Latino
3.8%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Asian
2.8%High confidence
U.S. Census ACS 5-Year · Updated April 2026
10-Year Housing Stress Test (Estimate)
Estimate monthly homeowner carrying cost in Cape Girardeau using median home price and adjustable assumptions. Stress case applies +10% property tax, +20% insurance, +10% maintenance.
Estimated monthly carrying cost
$385
Stress-case monthly carrying cost
$432
Median home price used: $177,500
Median rent reference: $822 / month
Estimate includes property tax, insurance, maintenance reserve, and HOA. It excludes mortgage, utilities, and one-time transaction costs.