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Gaffney, South Carolina Retirement Guide
established retirement community
69
Retirement Score
Gaffney, South Carolina at a Glance
- Median Home Price
- $120,800
- State Income Tax
- State income tax; Social Security fully exempt; generous retirement income deduction.
- Avg January Low
- 35.6°F
- Cost of Living Index
- 93.3 (US avg = 100)
- Best For
- established retirement community
- RetireCityIQ Score
- 69 / 100
Retirement Data
Affordability
Cost of Living Index
93.3 (U.S. avg = 100)High confidence
BEA Regional Price Parities · Updated May 2026
Median Home Price
$120,800High confidence
U.S. Census ACS 5-Year · Updated June 2026
Median Monthly Rent
$837High confidence
U.S. Census ACS 5-Year · Updated June 2026
Taxes
Retirement Tax Score
45 / 100High confidence
Tax Foundation · Updated June 2026
Tax Details
State income tax; Social Security fully exempt; generous retirement income deduction.High confidence
Tax Foundation · Updated June 2026
Retiree Readiness (Sprint 2)
Care Access Score (proxy)
93 / 100High confidence
RetireCityIQ proxy model · Updated June 2026
Aging-in-Place Score (proxy)
39.8 / 100High confidence
RetireCityIQ proxy model · Updated June 2026
Healthcare
Healthcare Access Score
93 / 100High confidence
CMS Hospital General Information · Updated June 2026
Climate
Avg July High
91.8°FHigh confidence
Open-Meteo Historical Weather (ERA5) · Updated June 2026
Avg January Low
35.6°FHigh confidence
Open-Meteo Historical Weather (ERA5) · Updated June 2026
Annual Precipitation
43.6"High confidence
Open-Meteo Historical Weather (ERA5) · Updated June 2026
Sunny Days / Year
302 daysHigh confidence
Open-Meteo Historical Weather (ERA5) · Updated June 2026
Safety
Safety Score
78.1 / 100High confidence
FBI Crime Data Explorer · Updated June 2026
Walkability
Walk Score (proxy)
19.1 / 100High confidence
U.S. Census ACS 5-Year (B08301) · Updated June 2026
Transit Score (proxy)
0 / 100High confidence
U.S. Census ACS 5-Year (B08301) · Updated June 2026
Demographics
Population
12,651High confidence
U.S. Census ACS 5-Year · Updated June 2026
Median Age
33.6High confidence
U.S. Census ACS 5-Year · Updated June 2026
Age 65+
16.1%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Median Household Income
$38,059High confidence
U.S. Census ACS 5-Year · Updated June 2026
Community Profile
Owner-Occupied Housing
53.0%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Veterans
8.8%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Bachelor's Degree+
19.1%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Poverty Rate
23.1%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Diversity
White
42.2%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Black
43.4%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Hispanic/Latino
5.6%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Asian
0.1%High confidence
U.S. Census ACS 5-Year · Updated June 2026
10-Year Housing Stress Test (Estimate)
Estimate monthly homeowner carrying cost in Gaffney using median home price and adjustable assumptions. Stress case applies +10% property tax, +20% insurance, +10% maintenance.
Estimated monthly carrying cost
$262
Stress-case monthly carrying cost
$294
Median home price used: $120,800
Median rent reference: $837 / month
Estimate includes property tax, insurance, maintenance reserve, and HOA. It excludes mortgage, utilities, and one-time transaction costs.