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Galveston, Texas Retirement Guide
established retirement community
69
Retirement Score
Galveston, Texas at a Glance
- Median Home Price
- $258,300
- State Income Tax
- No state income tax; Social Security and pension income fully exempt.
- Avg January Low
- 52.3°F
- Cost of Living Index
- 97.4 (US avg = 100)
- Best For
- established retirement community
- RetireCityIQ Score
- 69 / 100
Retirement Data
Affordability
Cost of Living Index
97.4 (U.S. avg = 100)High confidence
BEA Regional Price Parities · Updated May 2026
Median Home Price
$258,300High confidence
U.S. Census ACS 5-Year · Updated June 2026
Median Monthly Rent
$1,200High 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)
44.2 / 100High confidence
RetireCityIQ proxy model · Updated June 2026
Aging-in-Place Score (proxy)
62.4 / 100High confidence
RetireCityIQ proxy model · Updated June 2026
Healthcare
Healthcare Access Score
44.2 / 100High confidence
CMS Hospital General Information · Updated June 2026
Climate
Avg July High
87.1°FHigh confidence
Open-Meteo Historical Weather (ERA5) · Updated June 2026
Avg January Low
52.3°FHigh confidence
Open-Meteo Historical Weather (ERA5) · Updated June 2026
Annual Precipitation
57.3"High confidence
Open-Meteo Historical Weather (ERA5) · Updated June 2026
Sunny Days / Year
314 daysHigh confidence
Open-Meteo Historical Weather (ERA5) · Updated June 2026
Safety
Safety Score
89.5 / 100High confidence
FBI Crime Data Explorer · Updated June 2026
Walkability
Walk Score (proxy)
58.5 / 100High confidence
U.S. Census ACS 5-Year (B08301) · Updated June 2026
Transit Score (proxy)
2 / 100High confidence
U.S. Census ACS 5-Year (B08301) · Updated June 2026
Demographics
Population
53,265High confidence
U.S. Census ACS 5-Year · Updated June 2026
Median Age
39.4High confidence
U.S. Census ACS 5-Year · Updated June 2026
Age 65+
19.1%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Median Household Income
$57,453High confidence
U.S. Census ACS 5-Year · Updated June 2026
Community Profile
Owner-Occupied Housing
46.3%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Veterans
7.4%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Bachelor's Degree+
32.2%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Poverty Rate
19.2%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Diversity
White
64.8%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Black
15.8%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Hispanic/Latino
29.7%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Asian
2.5%High confidence
U.S. Census ACS 5-Year · Updated June 2026
10-Year Housing Stress Test (Estimate)
Estimate monthly homeowner carrying cost in Galveston using median home price and adjustable assumptions. Stress case applies +10% property tax, +20% insurance, +10% maintenance.
Estimated monthly carrying cost
$560
Stress-case monthly carrying cost
$629
Median home price used: $258,300
Median rent reference: $1,200 / month
Estimate includes property tax, insurance, maintenance reserve, and HOA. It excludes mortgage, utilities, and one-time transaction costs.