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Gadsden, Alabama Retirement Guide
established retirement community
76
Retirement Score
Gadsden, Alabama at a Glance
- Median Home Price
- $96,900
- State Income Tax
- State income tax; Social Security and defined-benefit pensions fully exempt.
- Avg January Low
- 39.2°F
- Cost of Living Index
- 88 (US avg = 100)
- Best For
- established retirement community
- RetireCityIQ Score
- 76 / 100
Retirement Data
Affordability
Cost of Living Index
88 (U.S. avg = 100)High confidence
BEA Regional Price Parities · Updated May 2026
Median Home Price
$96,900High confidence
U.S. Census ACS 5-Year · Updated June 2026
Median Monthly Rent
$765High confidence
U.S. Census ACS 5-Year · Updated June 2026
Taxes
Retirement Tax Score
60 / 100High confidence
Tax Foundation · Updated June 2026
Tax Details
State income tax; Social Security and defined-benefit pensions 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)
44.1 / 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
90.7°FHigh confidence
RetireCityIQ state median imputation after Open-Meteo coverage gaps · Updated May 2026
Avg January Low
39.2°FHigh confidence
RetireCityIQ state median imputation after Open-Meteo coverage gaps · Updated May 2026
Annual Precipitation
52.2"High confidence
RetireCityIQ state median imputation after Open-Meteo coverage gaps · Updated May 2026
Sunny Days / Year
308 daysHigh confidence
RetireCityIQ state median imputation after Open-Meteo coverage gaps · Updated May 2026
Safety
Safety Score
88.5 / 100High confidence
FBI Crime Data Explorer · Updated June 2026
Walkability
Walk Score (proxy)
19.4 / 100High confidence
U.S. Census ACS 5-Year (B08301) · Updated June 2026
Transit Score (proxy)
0.1 / 100High confidence
U.S. Census ACS 5-Year (B08301) · Updated June 2026
Demographics
Population
33,881High confidence
U.S. Census ACS 5-Year · Updated June 2026
Median Age
39.7High confidence
U.S. Census ACS 5-Year · Updated June 2026
Age 65+
17.8%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Median Household Income
$39,696High confidence
U.S. Census ACS 5-Year · Updated June 2026
Community Profile
Owner-Occupied Housing
55.5%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Veterans
6.6%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Bachelor's Degree+
15.7%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Poverty Rate
25.1%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Diversity
White
51.2%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Black
37.6%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Hispanic/Latino
8.5%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Asian
0.8%High confidence
U.S. Census ACS 5-Year · Updated June 2026
10-Year Housing Stress Test (Estimate)
Estimate monthly homeowner carrying cost in Gadsden using median home price and adjustable assumptions. Stress case applies +10% property tax, +20% insurance, +10% maintenance.
Estimated monthly carrying cost
$210
Stress-case monthly carrying cost
$236
Median home price used: $96,900
Median rent reference: $765 / month
Estimate includes property tax, insurance, maintenance reserve, and HOA. It excludes mortgage, utilities, and one-time transaction costs.