Photo by Jake Knight-Lang on Unsplash (https://unsplash.com/@midknightmedia)
Denver, Colorado Retirement Guide
established retirement community
30
Retirement Score
Denver, Colorado at a Glance
- Median Home Price
- $599,500
- State Income Tax
- State income tax; Social Security partially exempt for seniors; limited pension deduction.
- Avg January Low
- 10.6°F
- Cost of Living Index
- 102.3 (US avg = 100)
- Best For
- established retirement community
- RetireCityIQ Score
- 30 / 100
Things to Consider
- higher state tax burden
Retirement Data
Affordability
Cost of Living Index
102.3 (U.S. avg = 100)Medium confidence
BEA Regional Price Parities · Updated March 2026
Median Home Price
$599,500High confidence
U.S. Census ACS 1-Year · Updated April 2026
Median Monthly Rent
$1,711High confidence
U.S. Census ACS 1-Year · Updated April 2026
Taxes
Retirement Tax Score
30 / 100Medium confidence
Tax Foundation · Updated March 2026
Tax Details
State income tax; Social Security partially exempt for seniors; limited pension deduction.Medium confidence
Tax Foundation · Updated March 2026
Retiree Readiness (Sprint 2)
Care Access Score (proxy)
11.6 / 100High confidence
RetireCityIQ proxy model · Updated April 2026
Aging-in-Place Score (proxy)
46.8 / 100High confidence
RetireCityIQ proxy model · Updated April 2026
Healthcare
Healthcare Access Score
11.6 / 100Medium confidence
CMS Hospital General Information · Updated March 2026
Climate
Avg July High
89.3°FMedium confidence
Open-Meteo Historical Weather (ERA5) · Updated March 2026
Avg January Low
10.6°FMedium confidence
Open-Meteo Historical Weather (ERA5) · Updated March 2026
Annual Precipitation
18"Medium confidence
Open-Meteo Historical Weather (ERA5) · Updated March 2026
Sunny Days / Year
326 daysMedium confidence
Open-Meteo Historical Weather (ERA5) · Updated March 2026
Safety
Safety Score
63.3 / 100Medium confidence
FBI Crime Data Explorer · Updated March 2026
Walkability
Walk Score (proxy)
42.4 / 100Medium confidence
U.S. Census ACS 5-Year (B08301) · Updated March 2026
Transit Score (proxy)
16.3 / 100Medium confidence
U.S. Census ACS 5-Year (B08301) · Updated March 2026
Demographics
Population
710,800High confidence
U.S. Census ACS 5-Year · Updated April 2026
Median Age
34.9High confidence
U.S. Census ACS 5-Year · Updated April 2026
Age 65+
12.0%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Median Household Income
$85,853High confidence
U.S. Census ACS 5-Year · Updated April 2026
Community Profile
Owner-Occupied Housing
49.4%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Veterans
4.9%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Bachelor's Degree+
54.2%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Poverty Rate
11.7%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Diversity
White
65.7%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Black
8.9%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Hispanic/Latino
29.2%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Asian
3.6%High confidence
U.S. Census ACS 5-Year · Updated April 2026
10-Year Housing Stress Test (Estimate)
Estimate monthly homeowner carrying cost in Denver using median home price and adjustable assumptions. Stress case applies +10% property tax, +20% insurance, +10% maintenance.
Estimated monthly carrying cost
$1,299
Stress-case monthly carrying cost
$1,459
Median home price used: $599,500
Median rent reference: $1,711 / month
Estimate includes property tax, insurance, maintenance reserve, and HOA. It excludes mortgage, utilities, and one-time transaction costs.