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Fort Collins, Colorado Retirement Guide
low crime rateestablished retirement community
35
Retirement Score
Fort Collins, Colorado at a Glance
- Median Home Price
- $542,000
- State Income Tax
- State income tax; Social Security partially exempt for seniors; limited pension deduction.
- Avg January Low
- 12.6°F
- Cost of Living Index
- 102.3 (US avg = 100)
- Best For
- low crime rate, established retirement community
- RetireCityIQ Score
- 35 / 100
Things to Consider
- higher state tax burden
- limited healthcare options
- harsh winters
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
$542,000High confidence
U.S. Census ACS 1-Year · Updated April 2026
Median Monthly Rent
$1,571High 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)
13.9 / 100High confidence
RetireCityIQ proxy model · Updated April 2026
Aging-in-Place Score (proxy)
61.6 / 100High confidence
RetireCityIQ proxy model · Updated April 2026
Healthcare
Healthcare Access Score
13.9 / 100Medium confidence
CMS Hospital General Information · Updated March 2026
Climate
Avg July High
87.2°FMedium confidence
Open-Meteo Historical Weather (ERA5) · Updated March 2026
Avg January Low
12.6°FMedium confidence
Open-Meteo Historical Weather (ERA5) · Updated March 2026
Annual Precipitation
17"Medium confidence
Open-Meteo Historical Weather (ERA5) · Updated March 2026
Sunny Days / Year
328 daysMedium confidence
Open-Meteo Historical Weather (ERA5) · Updated March 2026
Safety
Safety Score
100 / 100Medium confidence
FBI Crime Data Explorer · Updated March 2026
Walkability
Walk Score (proxy)
46.2 / 100Medium confidence
U.S. Census ACS 5-Year (B08301) · Updated March 2026
Transit Score (proxy)
5.2 / 100Medium confidence
U.S. Census ACS 5-Year (B08301) · Updated March 2026
Demographics
Population
168,758High confidence
U.S. Census ACS 5-Year · Updated April 2026
Median Age
30.1High confidence
U.S. Census ACS 5-Year · Updated April 2026
Age 65+
11.6%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Median Household Income
$78,977High confidence
U.S. Census ACS 5-Year · Updated April 2026
Community Profile
Owner-Occupied Housing
51.7%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Veterans
5.2%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Bachelor's Degree+
58.3%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Poverty Rate
16.2%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Diversity
White
82.8%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Black
1.4%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Hispanic/Latino
12.4%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Asian
3.4%High confidence
U.S. Census ACS 5-Year · Updated April 2026
10-Year Housing Stress Test (Estimate)
Estimate monthly homeowner carrying cost in Fort Collins using median home price and adjustable assumptions. Stress case applies +10% property tax, +20% insurance, +10% maintenance.
Estimated monthly carrying cost
$1,174
Stress-case monthly carrying cost
$1,319
Median home price used: $542,000
Median rent reference: $1,571 / month
Estimate includes property tax, insurance, maintenance reserve, and HOA. It excludes mortgage, utilities, and one-time transaction costs.