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Chicopee, Massachusetts Retirement Guide
established retirement community
65
Retirement Score
Chicopee, Massachusetts at a Glance
- Median Home Price
- $230,700
- State Income Tax
- State income tax; Social Security exempt; many public pensions exempt with partial rules for others.
- Avg January Low
- 22.5°F
- Cost of Living Index
- 109.4 (US avg = 100)
- Best For
- established retirement community
- RetireCityIQ Score
- 65 / 100
Retirement Data
Affordability
Cost of Living Index
109.4 (U.S. avg = 100)High confidence
BEA Regional Price Parities · Updated May 2026
Median Home Price
$230,700High confidence
U.S. Census ACS 5-Year · Updated June 2026
Median Monthly Rent
$1,058High confidence
U.S. Census ACS 5-Year · Updated June 2026
Taxes
Retirement Tax Score
45 / 100High confidence
Tax Foundation · Updated June 2026
Tax Details
State income tax; Social Security exempt; many public pensions exempt with partial rules for others.High confidence
Tax Foundation · Updated June 2026
Retiree Readiness (Sprint 2)
Care Access Score (proxy)
100 / 100High confidence
RetireCityIQ proxy model · Updated June 2026
Aging-in-Place Score (proxy)
46.8 / 100High confidence
RetireCityIQ proxy model · Updated June 2026
Healthcare
Healthcare Access Score
100 / 100High confidence
CMS Hospital General Information + RetireCityIQ nearest-hospital radius model · Updated June 2026
Climate
Avg July High
86°FHigh confidence
Open-Meteo Historical Weather (ERA5) · Updated June 2026
Avg January Low
22.5°FHigh confidence
Open-Meteo Historical Weather (ERA5) · Updated June 2026
Annual Precipitation
54.2"High confidence
Open-Meteo Historical Weather (ERA5) · Updated June 2026
Sunny Days / Year
268 daysHigh confidence
Open-Meteo Historical Weather (ERA5) · Updated June 2026
Safety
Safety Score
100 / 100High confidence
FBI Crime Data Explorer · Updated June 2026
Walkability
Walk Score (proxy)
13.6 / 100High confidence
U.S. Census ACS 5-Year (B08301) · Updated June 2026
Transit Score (proxy)
4.3 / 100High confidence
U.S. Census ACS 5-Year (B08301) · Updated June 2026
Demographics
Population
55,441High confidence
U.S. Census ACS 5-Year · Updated June 2026
Median Age
41.4High confidence
U.S. Census ACS 5-Year · Updated June 2026
Age 65+
18.8%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Median Household Income
$63,866High confidence
U.S. Census ACS 5-Year · Updated June 2026
Community Profile
Owner-Occupied Housing
59.0%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Veterans
8.9%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Bachelor's Degree+
22.9%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Poverty Rate
15.5%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Diversity
White
76.5%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Black
5.7%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Hispanic/Latino
24.0%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Asian
2.2%High confidence
U.S. Census ACS 5-Year · Updated June 2026
10-Year Housing Stress Test (Estimate)
Estimate monthly homeowner carrying cost in Chicopee using median home price and adjustable assumptions. Stress case applies +10% property tax, +20% insurance, +10% maintenance.
Estimated monthly carrying cost
$500
Stress-case monthly carrying cost
$561
Median home price used: $230,700
Median rent reference: $1,058 / month
Estimate includes property tax, insurance, maintenance reserve, and HOA. It excludes mortgage, utilities, and one-time transaction costs.