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Council Bluffs, Iowa Retirement Guide
established retirement community
58
Retirement Score
Council Bluffs, Iowa at a Glance
- Median Home Price
- $153,400
- State Income Tax
- State income tax; Social Security and retirement income exempt for those 55+.
- Avg January Low
- 16.9°F
- Cost of Living Index
- 88.4 (US avg = 100)
- Best For
- established retirement community
- RetireCityIQ Score
- 58 / 100
Retirement Data
Affordability
Cost of Living Index
88.4 (U.S. avg = 100)High confidence
BEA Regional Price Parities · Updated May 2026
Median Home Price
$153,400High confidence
U.S. Census ACS 5-Year · Updated June 2026
Median Monthly Rent
$964High confidence
U.S. Census ACS 5-Year · Updated June 2026
Taxes
Retirement Tax Score
60 / 100High confidence
Tax Foundation · Updated June 2026
Tax Details
State income tax; Social Security and retirement income exempt for those 55+.High confidence
Tax Foundation · Updated June 2026
Retiree Readiness (Sprint 2)
Care Access Score (proxy)
37.5 / 100High confidence
RetireCityIQ proxy model · Updated June 2026
Aging-in-Place Score (proxy)
47.3 / 100High confidence
RetireCityIQ proxy model · Updated June 2026
Healthcare
Healthcare Access Score
37.5 / 100High confidence
CMS Hospital General Information · Updated June 2026
Climate
Avg July High
85.7°FHigh confidence
Open-Meteo Historical Weather (ERA5) · Updated June 2026
Avg January Low
16.9°FHigh confidence
Open-Meteo Historical Weather (ERA5) · Updated June 2026
Annual Precipitation
23.4"High confidence
Open-Meteo Historical Weather (ERA5) · Updated June 2026
Sunny Days / Year
301 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)
15.8 / 100High confidence
U.S. Census ACS 5-Year (B08301) · Updated June 2026
Transit Score (proxy)
1.4 / 100High confidence
U.S. Census ACS 5-Year (B08301) · Updated June 2026
Demographics
Population
62,670High confidence
U.S. Census ACS 5-Year · Updated June 2026
Median Age
38.4High confidence
U.S. Census ACS 5-Year · Updated June 2026
Age 65+
16.7%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Median Household Income
$61,181High confidence
U.S. Census ACS 5-Year · Updated June 2026
Community Profile
Owner-Occupied Housing
63.4%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Veterans
8.8%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Bachelor's Degree+
21.4%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Poverty Rate
13.6%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Diversity
White
88.5%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Black
2.2%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Hispanic/Latino
10.3%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Asian
1.2%High confidence
U.S. Census ACS 5-Year · Updated June 2026
10-Year Housing Stress Test (Estimate)
Estimate monthly homeowner carrying cost in Council Bluffs using median home price and adjustable assumptions. Stress case applies +10% property tax, +20% insurance, +10% maintenance.
Estimated monthly carrying cost
$332
Stress-case monthly carrying cost
$373
Median home price used: $153,400
Median rent reference: $964 / month
Estimate includes property tax, insurance, maintenance reserve, and HOA. It excludes mortgage, utilities, and one-time transaction costs.