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Georgetown, Texas Retirement Guide
tax-friendly for retireesmild summersmild winters
61
Retirement Score
Georgetown, Texas at a Glance
- Median Home Price
- $441,500
- State Income Tax
- No state income tax; Social Security and pension income fully exempt.
- Avg January Low
- 74.6°F
- Cost of Living Index
- 97.4 (US avg = 100)
- Best For
- tax-friendly for retirees, mild summers, mild winters
- RetireCityIQ Score
- 61 / 100
Things to Consider
- limited healthcare options
- high annual rainfall
Retirement Data
Affordability
Cost of Living Index
97.4 (U.S. avg = 100)Medium confidence
BEA Regional Price Parities · Updated March 2026
Median Home Price
$441,500High confidence
U.S. Census ACS 1-Year · Updated April 2026
Median Monthly Rent
$1,870High confidence
U.S. Census ACS 1-Year · Updated April 2026
Taxes
Retirement Tax Score
100 / 100Medium confidence
Tax Foundation · Updated March 2026
Tax Details
No state income tax; Social Security and pension income fully exempt.Medium confidence
Tax Foundation · Updated March 2026
Retiree Readiness (Sprint 2)
Care Access Score (proxy)
32.8 / 100High confidence
RetireCityIQ proxy model · Updated April 2026
Aging-in-Place Score (proxy)
46.9 / 100High confidence
RetireCityIQ proxy model · Updated April 2026
Healthcare
Healthcare Access Score
32.8 / 100Medium confidence
CMS Hospital General Information · Updated March 2026
Climate
Avg July High
84.4°FMedium confidence
Open-Meteo Historical Weather (ERA5) · Updated March 2026
Avg January Low
74.6°FMedium confidence
Open-Meteo Historical Weather (ERA5) · Updated March 2026
Annual Precipitation
106.8"Medium confidence
Open-Meteo Historical Weather (ERA5) · Updated March 2026
Sunny Days / Year
344 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)
15.2 / 100Medium confidence
U.S. Census ACS 5-Year (B08301) · Updated March 2026
Transit Score (proxy)
0.1 / 100Medium confidence
U.S. Census ACS 5-Year (B08301) · Updated March 2026
Demographics
Population
71,788High confidence
U.S. Census ACS 5-Year · Updated April 2026
Median Age
44.7High confidence
U.S. Census ACS 5-Year · Updated April 2026
Age 65+
28.5%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Median Household Income
$87,465High confidence
U.S. Census ACS 5-Year · Updated April 2026
Community Profile
Owner-Occupied Housing
71.6%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Veterans
11.4%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Bachelor's Degree+
48.0%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Poverty Rate
7.1%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Diversity
White
77.5%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Black
5.2%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Hispanic/Latino
22.7%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Asian
2.0%High confidence
U.S. Census ACS 5-Year · Updated April 2026
10-Year Housing Stress Test (Estimate)
Estimate monthly homeowner carrying cost in Georgetown using median home price and adjustable assumptions. Stress case applies +10% property tax, +20% insurance, +10% maintenance.
Estimated monthly carrying cost
$957
Stress-case monthly carrying cost
$1,074
Median home price used: $441,500
Median rent reference: $1,870 / month
Estimate includes property tax, insurance, maintenance reserve, and HOA. It excludes mortgage, utilities, and one-time transaction costs.