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Garner, North Carolina Retirement Guide
established retirement community
51
Retirement Score
Garner, North Carolina at a Glance
- Median Home Price
- $288,900
- State Income Tax
- State income tax; Social Security fully exempt; limited pension exclusion.
- Avg January Low
- 34.4°F
- Cost of Living Index
- 94 (US avg = 100)
- Best For
- established retirement community
- RetireCityIQ Score
- 51 / 100
Retirement Data
Affordability
Cost of Living Index
94 (U.S. avg = 100)High confidence
BEA Regional Price Parities · Updated May 2026
Median Home Price
$288,900High confidence
U.S. Census ACS 5-Year · Updated June 2026
Median Monthly Rent
$1,371High 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; limited pension exclusion.High confidence
Tax Foundation · Updated June 2026
Retiree Readiness (Sprint 2)
Care Access Score (proxy)
37.1 / 100High confidence
RetireCityIQ proxy model · Updated June 2026
Aging-in-Place Score (proxy)
43.2 / 100High confidence
RetireCityIQ proxy model · Updated June 2026
Healthcare
Healthcare Access Score
37.1 / 100High confidence
CMS Hospital General Information · Updated June 2026
Climate
Avg July High
90.4°FHigh confidence
RetireCityIQ state median imputation after Open-Meteo coverage gaps · Updated May 2026
Avg January Low
34.4°FHigh confidence
RetireCityIQ state median imputation after Open-Meteo coverage gaps · Updated May 2026
Annual Precipitation
43.8"High confidence
RetireCityIQ state median imputation after Open-Meteo coverage gaps · Updated May 2026
Sunny Days / Year
301 daysHigh confidence
RetireCityIQ state median imputation after Open-Meteo coverage gaps · Updated May 2026
Safety
Safety Score
93.1 / 100High confidence
FBI Crime Data Explorer · Updated June 2026
Walkability
Walk Score (proxy)
13.2 / 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
31,684High confidence
U.S. Census ACS 5-Year · Updated June 2026
Median Age
37.3High confidence
U.S. Census ACS 5-Year · Updated June 2026
Age 65+
15.8%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Median Household Income
$77,171High confidence
U.S. Census ACS 5-Year · Updated June 2026
Community Profile
Owner-Occupied Housing
63.9%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Veterans
7.6%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Bachelor's Degree+
45.1%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Poverty Rate
5.4%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Diversity
White
62.0%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Black
24.7%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Hispanic/Latino
11.1%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Asian
1.7%High confidence
U.S. Census ACS 5-Year · Updated June 2026
10-Year Housing Stress Test (Estimate)
Estimate monthly homeowner carrying cost in Garner using median home price and adjustable assumptions. Stress case applies +10% property tax, +20% insurance, +10% maintenance.
Estimated monthly carrying cost
$626
Stress-case monthly carrying cost
$703
Median home price used: $288,900
Median rent reference: $1,371 / month
Estimate includes property tax, insurance, maintenance reserve, and HOA. It excludes mortgage, utilities, and one-time transaction costs.