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Flagstaff, Arizona Retirement Guide
established retirement community
45
Retirement Score
Flagstaff, Arizona at a Glance
- Median Home Price
- $574,000
- State Income Tax
- State income tax; Social Security fully exempt; limited pension exemption.
- Avg January Low
- 20.4°F
- Cost of Living Index
- 100 (US avg = 100)
- Best For
- established retirement community
- RetireCityIQ Score
- 45 / 100
Things to Consider
- limited healthcare options
Retirement Data
Affordability
Cost of Living Index
100 (U.S. avg = 100)Medium confidence
BEA Regional Price Parities · Updated March 2026
Median Home Price
$574,000High confidence
U.S. Census ACS 1-Year · Updated April 2026
Median Monthly Rent
$1,409High confidence
U.S. Census ACS 1-Year · Updated April 2026
Taxes
Retirement Tax Score
45 / 100Medium confidence
Tax Foundation · Updated March 2026
Tax Details
State income tax; Social Security fully exempt; limited pension exemption.Medium confidence
Tax Foundation · Updated March 2026
Retiree Readiness (Sprint 2)
Care Access Score (proxy)
30.9 / 100High confidence
RetireCityIQ proxy model · Updated April 2026
Aging-in-Place Score (proxy)
79.8 / 100High confidence
RetireCityIQ proxy model · Updated April 2026
Healthcare
Healthcare Access Score
30.9 / 100Medium confidence
CMS Hospital General Information · Updated March 2026
Climate
Avg July High
85°FMedium confidence
Open-Meteo Historical Weather (ERA5) · Updated March 2026
Avg January Low
20.4°FMedium confidence
Open-Meteo Historical Weather (ERA5) · Updated March 2026
Annual Precipitation
18.7"Medium confidence
Open-Meteo Historical Weather (ERA5) · Updated March 2026
Sunny Days / Year
350 daysMedium confidence
Open-Meteo Historical Weather (ERA5) · Updated March 2026
Safety
Safety Score
97.2 / 100Medium confidence
FBI Crime Data Explorer · Updated March 2026
Walkability
Walk Score (proxy)
88.6 / 100Medium confidence
U.S. Census ACS 5-Year (B08301) · Updated March 2026
Transit Score (proxy)
6.7 / 100Medium confidence
U.S. Census ACS 5-Year (B08301) · Updated March 2026
Demographics
Population
76,177High confidence
U.S. Census ACS 5-Year · Updated April 2026
Median Age
25.9High confidence
U.S. Census ACS 5-Year · Updated April 2026
Age 65+
9.1%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Median Household Income
$65,652High confidence
U.S. Census ACS 5-Year · Updated April 2026
Community Profile
Owner-Occupied Housing
43.1%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Veterans
5.3%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Bachelor's Degree+
52.8%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Poverty Rate
18.9%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Diversity
White
69.0%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Black
1.8%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Hispanic/Latino
19.1%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Asian
2.8%High confidence
U.S. Census ACS 5-Year · Updated April 2026
10-Year Housing Stress Test (Estimate)
Estimate monthly homeowner carrying cost in Flagstaff using median home price and adjustable assumptions. Stress case applies +10% property tax, +20% insurance, +10% maintenance.
Estimated monthly carrying cost
$1,244
Stress-case monthly carrying cost
$1,397
Median home price used: $574,000
Median rent reference: $1,409 / month
Estimate includes property tax, insurance, maintenance reserve, and HOA. It excludes mortgage, utilities, and one-time transaction costs.