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Chapel Hill, North Carolina Retirement Guide
walkable neighborhoodslow crime rate
43
Retirement Score
Chapel Hill, North Carolina at a Glance
- Median Home Price
- $537,100
- State Income Tax
- State income tax; Social Security fully exempt; limited pension exclusion.
- Avg January Low
- 35°F
- Cost of Living Index
- 94 (US avg = 100)
- Best For
- walkable neighborhoods, low crime rate
- RetireCityIQ Score
- 43 / 100
Things to Consider
- limited healthcare options
Retirement Data
Affordability
Cost of Living Index
94 (U.S. avg = 100)Medium confidence
BEA Regional Price Parities · Updated March 2026
Median Home Price
$537,100High confidence
U.S. Census ACS 5-Year · Updated April 2026
Median Monthly Rent
$1,419High 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 fully exempt; limited pension exclusion.Medium confidence
Tax Foundation · Updated March 2026
Retiree Readiness (Sprint 2)
Care Access Score (proxy)
20 / 100High confidence
RetireCityIQ proxy model · Updated April 2026
Aging-in-Place Score (proxy)
70.8 / 100High confidence
RetireCityIQ proxy model · Updated April 2026
Healthcare
Healthcare Access Score
20 / 100Medium confidence
CMS Hospital General Information · Updated March 2026
Climate
Avg July High
91.1°FMedium confidence
Open-Meteo Historical Weather (ERA5) · Updated March 2026
Avg January Low
35°FMedium confidence
Open-Meteo Historical Weather (ERA5) · Updated March 2026
Annual Precipitation
45.5"Medium confidence
Open-Meteo Historical Weather (ERA5) · Updated March 2026
Sunny Days / Year
300 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)
60.7 / 100Medium confidence
U.S. Census ACS 5-Year (B08301) · Updated March 2026
Transit Score (proxy)
23.4 / 100Medium confidence
U.S. Census ACS 5-Year (B08301) · Updated March 2026
Demographics
Population
58,919High confidence
U.S. Census ACS 5-Year · Updated April 2026
Median Age
25.6High confidence
U.S. Census ACS 5-Year · Updated April 2026
Age 65+
11.9%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Median Household Income
$85,940High confidence
U.S. Census ACS 5-Year · Updated April 2026
Community Profile
Owner-Occupied Housing
50.0%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Veterans
3.3%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Bachelor's Degree+
77.4%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Poverty Rate
18.6%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Diversity
White
68.0%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Black
10.5%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Hispanic/Latino
6.8%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Asian
13.4%High confidence
U.S. Census ACS 5-Year · Updated April 2026
10-Year Housing Stress Test (Estimate)
Estimate monthly homeowner carrying cost in Chapel Hill using median home price and adjustable assumptions. Stress case applies +10% property tax, +20% insurance, +10% maintenance.
Estimated monthly carrying cost
$1,164
Stress-case monthly carrying cost
$1,307
Median home price used: $537,100
Median rent reference: $1,419 / month
Estimate includes property tax, insurance, maintenance reserve, and HOA. It excludes mortgage, utilities, and one-time transaction costs.