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Gainesville, Georgia Retirement Guide
50
Retirement Score
Gainesville, Georgia at a Glance
- Median Home Price
- $296,400
- State Income Tax
- State income tax; Social Security fully exempt; retirement income exclusion up to $65k.
- Avg January Low
- 36.9°F
- Cost of Living Index
- 95.7 (US avg = 100)
- Best For
- N/A
- RetireCityIQ Score
- 50 / 100
Retirement Data
Affordability
Cost of Living Index
95.7 (U.S. avg = 100)High confidence
BEA Regional Price Parities · Updated May 2026
Median Home Price
$296,400High confidence
U.S. Census ACS 5-Year · Updated June 2026
Median Monthly Rent
$1,167High 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; retirement income exclusion up to $65k.High confidence
Tax Foundation · Updated June 2026
Retiree Readiness (Sprint 2)
Care Access Score (proxy)
27.5 / 100High confidence
RetireCityIQ proxy model · Updated June 2026
Aging-in-Place Score (proxy)
55.3 / 100High confidence
RetireCityIQ proxy model · Updated June 2026
Healthcare
Healthcare Access Score
27.5 / 100High confidence
CMS Hospital General Information · Updated June 2026
Climate
Avg July High
89.1°FHigh confidence
Open-Meteo Historical Weather (ERA5) · Updated June 2026
Avg January Low
36.9°FHigh confidence
Open-Meteo Historical Weather (ERA5) · Updated June 2026
Annual Precipitation
53.7"High confidence
Open-Meteo Historical Weather (ERA5) · Updated June 2026
Sunny Days / Year
296 daysHigh confidence
Open-Meteo Historical Weather (ERA5) · Updated June 2026
Safety
Safety Score
97.1 / 100High confidence
FBI Crime Data Explorer · Updated June 2026
Walkability
Walk Score (proxy)
34 / 100High confidence
U.S. Census ACS 5-Year (B08301) · Updated June 2026
Transit Score (proxy)
7.9 / 100High confidence
U.S. Census ACS 5-Year (B08301) · Updated June 2026
Demographics
Population
42,780High confidence
U.S. Census ACS 5-Year · Updated June 2026
Median Age
32.1High confidence
U.S. Census ACS 5-Year · Updated June 2026
Age 65+
14.5%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Median Household Income
$64,163High confidence
U.S. Census ACS 5-Year · Updated June 2026
Community Profile
Owner-Occupied Housing
43.4%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Veterans
4.9%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Bachelor's Degree+
25.2%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Poverty Rate
16.9%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Diversity
White
59.1%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Black
15.5%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Hispanic/Latino
36.4%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Asian
3.5%High confidence
U.S. Census ACS 5-Year · Updated June 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
$642
Stress-case monthly carrying cost
$721
Median home price used: $296,400
Median rent reference: $1,167 / month
Estimate includes property tax, insurance, maintenance reserve, and HOA. It excludes mortgage, utilities, and one-time transaction costs.
Local Professionals
Financial Advisors
WILLIS INVESTMENT COUNSEL INC
JT STRATFORD, LLC
WILLIS INVESTMENT COUNSEL INC
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