Photo by Wes Hicks on Unsplash (https://unsplash.com/@sickhews)
Garden City, Idaho Retirement Guide
established retirement community
51
Retirement Score
Garden City, Idaho at a Glance
- Median Home Price
- $363,000
- State Income Tax
- State income tax; Social Security fully exempt; partial pension deduction.
- Avg January Low
- 9.3°F
- Cost of Living Index
- 91.8 (US avg = 100)
- Best For
- established retirement community
- RetireCityIQ Score
- 51 / 100
Retirement Data
Affordability
Cost of Living Index
91.8 (U.S. avg = 100)Medium confidence
BEA Regional Price Parities · Updated March 2026
Median Home Price
$363,000High confidence
U.S. Census ACS 5-Year · Updated April 2026
Median Monthly Rent
$1,132High confidence
U.S. Census ACS 5-Year · Updated April 2026
Taxes
Retirement Tax Score
45 / 100Medium confidence
Tax Foundation · Updated March 2026
Tax Details
State income tax; Social Security fully exempt; partial pension deduction.Medium confidence
Tax Foundation · Updated March 2026
Retiree Readiness (Sprint 2)
Care Access Score (proxy)Data not available
Aging-in-Place Score (proxy)
46.2 / 100High confidence
RetireCityIQ proxy model · Updated April 2026
Healthcare
Healthcare Access ScoreData not available
Climate
Avg July High
85.4°FMedium confidence
Open-Meteo Historical Weather (ERA5) · Updated March 2026
Avg January Low
9.3°FMedium confidence
Open-Meteo Historical Weather (ERA5) · Updated March 2026
Annual Precipitation
14.3"Medium confidence
Open-Meteo Historical Weather (ERA5) · Updated March 2026
Sunny Days / Year
322 daysMedium confidence
Open-Meteo Historical Weather (ERA5) · Updated March 2026
Safety
Safety Score
100 / 100Medium confidence
FBI Crime Data Explorer · Updated March 2026
Walkability
Walk Score (proxy)
13.1 / 100Medium confidence
U.S. Census ACS 5-Year (B08301) · Updated March 2026
Transit Score (proxy)
2 / 100Medium confidence
U.S. Census ACS 5-Year (B08301) · Updated March 2026
Demographics
Population
12,301High confidence
U.S. Census ACS 5-Year · Updated April 2026
Median Age
47.1High confidence
U.S. Census ACS 5-Year · Updated April 2026
Age 65+
25.4%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Median Household Income
$61,548High confidence
U.S. Census ACS 5-Year · Updated April 2026
Community Profile
Owner-Occupied Housing
64.2%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Veterans
8.2%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Bachelor's Degree+
36.4%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Poverty Rate
10.5%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Diversity
White
90.8%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Black
1.3%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Hispanic/Latino
10.2%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Asian
0.9%High confidence
U.S. Census ACS 5-Year · Updated April 2026
10-Year Housing Stress Test (Estimate)
Estimate monthly homeowner carrying cost in Garden City using median home price and adjustable assumptions. Stress case applies +10% property tax, +20% insurance, +10% maintenance.
Estimated monthly carrying cost
$787
Stress-case monthly carrying cost
$883
Median home price used: $363,000
Median rent reference: $1,132 / month
Estimate includes property tax, insurance, maintenance reserve, and HOA. It excludes mortgage, utilities, and one-time transaction costs.