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Ellicott City, Maryland Retirement Guide
established retirement community
56
Retirement Score
Ellicott City, Maryland at a Glance
- Median Home Price
- $628,000
- State Income Tax
- State income tax; Social Security exempt; pension exclusion available for qualifying retirees.
- Avg January Low
- 29.4°F
- Cost of Living Index
- 104.9 (US avg = 100)
- Best For
- established retirement community
- RetireCityIQ Score
- 56 / 100
Retirement Data
Affordability
Cost of Living Index
104.9 (U.S. avg = 100)High confidence
BEA Regional Price Parities · Updated May 2026
Median Home Price
$628,000High confidence
U.S. Census ACS 1-Year · Updated June 2026
Median Monthly Rent
$2,165High confidence
U.S. Census ACS 1-Year · Updated June 2026
Taxes
Retirement Tax Score
45 / 100High confidence
Tax Foundation · Updated June 2026
Tax Details
State income tax; Social Security exempt; pension exclusion available for qualifying retirees.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)
39.9 / 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
87.6°FHigh confidence
Open-Meteo Historical Weather (ERA5) · Updated June 2026
Avg January Low
29.4°FHigh confidence
Open-Meteo Historical Weather (ERA5) · Updated June 2026
Annual Precipitation
53.5"High confidence
Open-Meteo Historical Weather (ERA5) · Updated June 2026
Sunny Days / Year
290 daysHigh confidence
Open-Meteo Historical Weather (ERA5) · Updated June 2026
Safety
Safety Score
86.2 / 100High confidence
FBI Crime Data Explorer · Updated June 2026
Walkability
Walk Score (proxy)
11.1 / 100High confidence
U.S. Census ACS 5-Year (B08301) · Updated June 2026
Transit Score (proxy)
2.8 / 100High confidence
U.S. Census ACS 5-Year (B08301) · Updated June 2026
Demographics
Population
73,589High confidence
U.S. Census ACS 5-Year · Updated June 2026
Median Age
42.1High confidence
U.S. Census ACS 5-Year · Updated June 2026
Age 65+
17.2%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Median Household Income
$149,534High confidence
U.S. Census ACS 5-Year · Updated June 2026
Community Profile
Owner-Occupied Housing
72.0%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Veterans
6.1%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Bachelor's Degree+
68.8%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Poverty Rate
4.5%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Diversity
White
53.0%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Black
8.6%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Hispanic/Latino
4.5%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Asian
30.1%High confidence
U.S. Census ACS 5-Year · Updated June 2026
10-Year Housing Stress Test (Estimate)
Estimate monthly homeowner carrying cost in Ellicott City using median home price and adjustable assumptions. Stress case applies +10% property tax, +20% insurance, +10% maintenance.
Estimated monthly carrying cost
$1,361
Stress-case monthly carrying cost
$1,528
Median home price used: $628,000
Median rent reference: $2,165 / month
Estimate includes property tax, insurance, maintenance reserve, and HOA. It excludes mortgage, utilities, and one-time transaction costs.
Local Professionals
Financial Advisors
BLUEPRINT WEALTH MANAGEMENT INC.
HUSSMAN STRATEGIC ADVISORS INC
ELITE INCOME ADVISORS, INC.
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