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Cleveland, Tennessee Retirement Guide
established retirement community
60
Retirement Score
Cleveland, Tennessee at a Glance
- Median Home Price
- $225,700
- State Income Tax
- No state income tax; Social Security and pension income fully exempt.
- Avg January Low
- 33.9°F
- Cost of Living Index
- 91.8 (US avg = 100)
- Best For
- established retirement community
- RetireCityIQ Score
- 60 / 100
Retirement Data
Affordability
Cost of Living Index
91.8 (U.S. avg = 100)High confidence
BEA Regional Price Parities · Updated May 2026
Median Home Price
$225,700High confidence
U.S. Census ACS 5-Year · Updated June 2026
Median Monthly Rent
$922High confidence
U.S. Census ACS 5-Year · Updated June 2026
Taxes
Retirement Tax Score
100 / 100High confidence
Tax Foundation · Updated June 2026
Tax Details
No state income tax; Social Security and pension income fully exempt.High confidence
Tax Foundation · Updated June 2026
Retiree Readiness (Sprint 2)
Care Access Score (proxy)
24.7 / 100High confidence
RetireCityIQ proxy model · Updated June 2026
Aging-in-Place Score (proxy)
32.8 / 100High confidence
RetireCityIQ proxy model · Updated June 2026
Healthcare
Healthcare Access Score
24.7 / 100High confidence
CMS Hospital General Information · Updated June 2026
Climate
Avg July High
89.9°FHigh confidence
Open-Meteo Historical Weather (ERA5) · Updated June 2026
Avg January Low
33.9°FHigh confidence
Open-Meteo Historical Weather (ERA5) · Updated June 2026
Annual Precipitation
52.6"High confidence
Open-Meteo Historical Weather (ERA5) · Updated June 2026
Sunny Days / Year
300 daysHigh confidence
Open-Meteo Historical Weather (ERA5) · Updated June 2026
Safety
Safety Score
58.8 / 100High confidence
FBI Crime Data Explorer · Updated June 2026
Walkability
Walk Score (proxy)
20.7 / 100High confidence
U.S. Census ACS 5-Year (B08301) · Updated June 2026
Transit Score (proxy)
0 / 100High confidence
U.S. Census ACS 5-Year (B08301) · Updated June 2026
Demographics
Population
47,725High confidence
U.S. Census ACS 5-Year · Updated June 2026
Median Age
34.5High confidence
U.S. Census ACS 5-Year · Updated June 2026
Age 65+
17.0%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Median Household Income
$52,468High confidence
U.S. Census ACS 5-Year · Updated June 2026
Community Profile
Owner-Occupied Housing
50.3%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Veterans
6.9%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Bachelor's Degree+
30.8%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Poverty Rate
17.3%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Diversity
White
79.1%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Black
8.5%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Hispanic/Latino
9.5%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Asian
1.8%High confidence
U.S. Census ACS 5-Year · Updated June 2026
10-Year Housing Stress Test (Estimate)
Estimate monthly homeowner carrying cost in Cleveland using median home price and adjustable assumptions. Stress case applies +10% property tax, +20% insurance, +10% maintenance.
Estimated monthly carrying cost
$489
Stress-case monthly carrying cost
$549
Median home price used: $225,700
Median rent reference: $922 / month
Estimate includes property tax, insurance, maintenance reserve, and HOA. It excludes mortgage, utilities, and one-time transaction costs.