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Fredericksburg, Texas Retirement Guide
76
Retirement Score
Fredericksburg, Texas at a Glance
- Median Home Price
- $416,700
- State Income Tax
- No state income tax; Social Security and pension income fully exempt.
- Avg January Low
- 40.3°F
- Cost of Living Index
- 98.1 (US avg = 100)
- Best For
- N/A
- RetireCityIQ Score
- 76 / 100
Retirement Data
Affordability
Cost of Living Index
98.1 (U.S. avg = 100)High confidence
BEA Regional Price Parities · Updated June 2026
Median Home Price
$416,700High confidence
U.S. Census ACS 5-Year · Updated June 2026
Median Monthly Rent
$1,296High confidence
U.S. Census ACS 5-Year · Updated June 2026
Taxes
Retirement Tax Score
100 / 100High confidence
Tax Foundation · Updated June 2026
Tax Details
No state income tax; Social Security and pension income fully exempt.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)
68.5 / 100High confidence
RetireCityIQ proxy model · Updated June 2026
Healthcare
Healthcare Access Score
100 / 100High confidence
CMS Hospital General Information · Updated June 2026
Climate
Avg July High
97.4°FHigh confidence
Open-Meteo Historical Weather (ERA5) · Updated June 2026
Avg January Low
40.3°FHigh confidence
Open-Meteo Historical Weather (ERA5) · Updated June 2026
Annual Precipitation
22"High confidence
Open-Meteo Historical Weather (ERA5) · Updated June 2026
Sunny Days / Year
310 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)
62.7 / 100High confidence
U.S. Census ACS 5-Year (B08301) · Updated June 2026
Transit Score (proxy)
1.7 / 100High confidence
U.S. Census ACS 5-Year (B08301) · Updated June 2026
Demographics
Population
11,020High confidence
U.S. Census ACS 5-Year · Updated June 2026
Median Age
50.7High confidence
U.S. Census ACS 5-Year · Updated June 2026
Age 65+
31.9%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Median Household Income
$56,858High confidence
U.S. Census ACS 5-Year · Updated June 2026
Community Profile
Owner-Occupied Housing
57.3%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Veterans
9.3%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Bachelor's Degree+
37.3%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Poverty Rate
11.3%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Diversity
White
88.1%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Black
0.5%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Hispanic/Latino
20.0%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Asian
0.2%High confidence
U.S. Census ACS 5-Year · Updated June 2026
10-Year Housing Stress Test (Estimate)
Estimate monthly homeowner carrying cost in Fredericksburg using median home price and adjustable assumptions. Stress case applies +10% property tax, +20% insurance, +10% maintenance.
Estimated monthly carrying cost
$903
Stress-case monthly carrying cost
$1,014
Median home price used: $416,700
Median rent reference: $1,296 / month
Estimate includes property tax, insurance, maintenance reserve, and HOA. It excludes mortgage, utilities, and one-time transaction costs.
Local Professionals
Financial Advisors
SSB&T WEALTH MANAGEMENT, LLC
SSB&T WEALTH MANAGEMENT, LLC
SSB&T WEALTH MANAGEMENT, LLC
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