Photo by Maxime Vermeil (@max.vrm) on Unsplash (https://unsplash.com/@maxvrm)
Cedar Falls, Iowa Retirement Guide
established retirement community
62
Retirement Score
Cedar Falls, Iowa at a Glance
- Median Home Price
- $244,800
- State Income Tax
- State income tax; Social Security and retirement income exempt for those 55+.
- Avg January Low
- N/A
- Cost of Living Index
- 88.4 (US avg = 100)
- Best For
- established retirement community
- RetireCityIQ Score
- 62 / 100
Retirement Data
Affordability
Cost of Living Index
88.4 (U.S. avg = 100)Medium confidence
BEA Regional Price Parities · Updated March 2026
Median Home Price
$244,800High confidence
U.S. Census ACS 5-Year · Updated April 2026
Median Monthly Rent
$1,112High confidence
U.S. Census ACS 5-Year · Updated April 2026
Taxes
Retirement Tax Score
60 / 100Medium confidence
Tax Foundation · Updated March 2026
Tax Details
State income tax; Social Security and retirement income exempt for those 55+.Medium confidence
Tax Foundation · Updated March 2026
Retiree Readiness (Sprint 2)
Care Access Score (proxy)Data not available
Aging-in-Place Score (proxy)
70.8 / 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
100 / 100Medium confidence
FBI Crime Data Explorer · Updated March 2026
Walkability
Walk Score (proxy)
68.3 / 100Medium confidence
U.S. Census ACS 5-Year (B08301) · Updated March 2026
Transit Score (proxy)
0.3 / 100Medium confidence
U.S. Census ACS 5-Year (B08301) · Updated March 2026
Demographics
Population
40,686High confidence
U.S. Census ACS 5-Year · Updated April 2026
Median Age
28.0High confidence
U.S. Census ACS 5-Year · Updated April 2026
Age 65+
15.5%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Median Household Income
$71,011High confidence
U.S. Census ACS 5-Year · Updated April 2026
Community Profile
Owner-Occupied Housing
62.5%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Veterans
4.5%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Bachelor's Degree+
49.1%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Poverty Rate
17.0%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Diversity
White
92.0%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Black
1.3%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Hispanic/Latino
2.8%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Asian
4.0%High confidence
U.S. Census ACS 5-Year · Updated April 2026
10-Year Housing Stress Test (Estimate)
Estimate monthly homeowner carrying cost in Cedar Falls using median home price and adjustable assumptions. Stress case applies +10% property tax, +20% insurance, +10% maintenance.
Estimated monthly carrying cost
$530
Stress-case monthly carrying cost
$596
Median home price used: $244,800
Median rent reference: $1,112 / month
Estimate includes property tax, insurance, maintenance reserve, and HOA. It excludes mortgage, utilities, and one-time transaction costs.