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Gary, Indiana Retirement Guide
established retirement community
51
Retirement Score
Gary, Indiana at a Glance
- Median Home Price
- $93,900
- State Income Tax
- State income tax; Social Security exempt; some retirement income deductions available.
- Avg January Low
- 19.6°F
- Cost of Living Index
- 91.9 (US avg = 100)
- Best For
- established retirement community
- RetireCityIQ Score
- 51 / 100
Retirement Data
Affordability
Cost of Living Index
91.9 (U.S. avg = 100)High confidence
BEA Regional Price Parities · Updated May 2026
Median Home Price
$93,900High confidence
U.S. Census ACS 1-Year · Updated June 2026
Median Monthly Rent
$929High confidence
U.S. Census ACS 1-Year · Updated June 2026
Taxes
Retirement Tax Score
45 / 100High confidence
Tax Foundation · Updated June 2026
Tax Details
State income tax; Social Security exempt; some retirement income deductions available.High confidence
Tax Foundation · Updated June 2026
Retiree Readiness (Sprint 2)
Care Access Score (proxy)
17 / 100High confidence
RetireCityIQ proxy model · Updated June 2026
Aging-in-Place Score (proxy)
44.2 / 100High confidence
RetireCityIQ proxy model · Updated June 2026
Healthcare
Healthcare Access Score
17 / 100High confidence
CMS Hospital General Information · Updated June 2026
Climate
Avg July High
81.2°FHigh confidence
Open-Meteo Historical Weather (ERA5) · Updated June 2026
Avg January Low
19.6°FHigh confidence
Open-Meteo Historical Weather (ERA5) · Updated June 2026
Annual Precipitation
43.4"High confidence
Open-Meteo Historical Weather (ERA5) · Updated June 2026
Sunny Days / Year
265 daysHigh confidence
Open-Meteo Historical Weather (ERA5) · Updated June 2026
Safety
Safety Score
98.2 / 100High confidence
FBI Crime Data Explorer · Updated June 2026
Walkability
Walk Score (proxy)
7.5 / 100High confidence
U.S. Census ACS 5-Year (B08301) · Updated June 2026
Transit Score (proxy)
10.5 / 100High confidence
U.S. Census ACS 5-Year (B08301) · Updated June 2026
Demographics
Population
69,136High confidence
U.S. Census ACS 5-Year · Updated June 2026
Median Age
36.9High confidence
U.S. Census ACS 5-Year · Updated June 2026
Age 65+
18.5%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Median Household Income
$36,874High confidence
U.S. Census ACS 5-Year · Updated June 2026
Community Profile
Owner-Occupied Housing
48.3%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+
14.4%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Poverty Rate
32.2%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Diversity
White
13.1%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Black
77.6%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Hispanic/Latino
9.4%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Asian
0.3%High confidence
U.S. Census ACS 5-Year · Updated June 2026
10-Year Housing Stress Test (Estimate)
Estimate monthly homeowner carrying cost in Gary using median home price and adjustable assumptions. Stress case applies +10% property tax, +20% insurance, +10% maintenance.
Estimated monthly carrying cost
$203
Stress-case monthly carrying cost
$228
Median home price used: $93,900
Median rent reference: $929 / month
Estimate includes property tax, insurance, maintenance reserve, and HOA. It excludes mortgage, utilities, and one-time transaction costs.