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Gainesville, Florida Retirement Guide
low home pricestax-friendly for retireesmild winterslow crime rate
61
Retirement Score
Gainesville, Florida at a Glance
- Median Home Price
- $240,600
- State Income Tax
- No state income tax; Social Security and pension income fully exempt.
- Avg January Low
- 42°F
- Cost of Living Index
- 102.3 (US avg = 100)
- Best For
- low home prices, tax-friendly for retirees, mild winters, low crime rate
- RetireCityIQ Score
- 61 / 100
Things to Consider
- limited healthcare options
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
$240,600High confidence
U.S. Census ACS 1-Year · Updated April 2026
Median Monthly Rent
$1,212High confidence
U.S. Census ACS 1-Year · Updated April 2026
Taxes
Retirement Tax Score
100 / 100Medium confidence
Tax Foundation · Updated March 2026
Tax Details
No state income tax; Social Security and pension income fully exempt.Medium confidence
Tax Foundation · Updated March 2026
Retiree Readiness (Sprint 2)
Care Access Score (proxy)
24.8 / 100High confidence
RetireCityIQ proxy model · Updated April 2026
Aging-in-Place Score (proxy)
58.1 / 100High confidence
RetireCityIQ proxy model · Updated April 2026
Healthcare
Healthcare Access Score
24.8 / 100Medium confidence
CMS Hospital General Information · Updated March 2026
Climate
Avg July High
90.5°FMedium confidence
Open-Meteo Historical Weather (ERA5) · Updated March 2026
Avg January Low
42°FMedium confidence
Open-Meteo Historical Weather (ERA5) · Updated March 2026
Annual Precipitation
50.9"Medium confidence
Open-Meteo Historical Weather (ERA5) · Updated March 2026
Sunny Days / Year
233 daysMedium confidence
Open-Meteo Historical Weather (ERA5) · Updated March 2026
Safety
Safety Score
93.1 / 100Medium confidence
FBI Crime Data Explorer · Updated March 2026
Walkability
Walk Score (proxy)
40.8 / 100Medium confidence
U.S. Census ACS 5-Year (B08301) · Updated March 2026
Transit Score (proxy)
16.7 / 100Medium confidence
U.S. Census ACS 5-Year (B08301) · Updated March 2026
Demographics
Population
142,414High confidence
U.S. Census ACS 5-Year · Updated April 2026
Median Age
26.0High confidence
U.S. Census ACS 5-Year · Updated April 2026
Age 65+
11.1%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Median Household Income
$43,783High confidence
U.S. Census ACS 5-Year · Updated April 2026
Community Profile
Owner-Occupied Housing
38.5%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Veterans
4.9%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Bachelor's Degree+
50.0%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Poverty Rate
29.0%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Diversity
White
61.4%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Black
21.9%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Hispanic/Latino
12.1%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Asian
6.1%High confidence
U.S. Census ACS 5-Year · Updated April 2026
10-Year Housing Stress Test (Estimate)
Estimate monthly homeowner carrying cost in Gainesville using median home price and adjustable assumptions. Stress case applies +10% property tax, +20% insurance, +10% maintenance.
Estimated monthly carrying cost
$521
Stress-case monthly carrying cost
$585
Median home price used: $240,600
Median rent reference: $1,212 / month
Estimate includes property tax, insurance, maintenance reserve, and HOA. It excludes mortgage, utilities, and one-time transaction costs.