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Grand Forks, North Dakota Retirement Guide
established retirement community
49
Retirement Score
Grand Forks, North Dakota at a Glance
- Median Home Price
- $237,000
- State Income Tax
- State income tax (low rate); Social Security fully exempt; partial retirement income deduction.
- Avg January Low
- -1.3°F
- Cost of Living Index
- 88.7 (US avg = 100)
- Best For
- established retirement community
- RetireCityIQ Score
- 49 / 100
Retirement Data
Affordability
Cost of Living Index
88.7 (U.S. avg = 100)Medium confidence
BEA Regional Price Parities · Updated March 2026
Median Home Price
$237,000High confidence
U.S. Census ACS 5-Year · Updated April 2026
Median Monthly Rent
$927High 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 (low rate); Social Security fully exempt; partial retirement income deduction.Medium confidence
Tax Foundation · Updated March 2026
Retiree Readiness (Sprint 2)
Care Access Score (proxy)
20 / 100High confidence
RetireCityIQ proxy model · Updated April 2026
Aging-in-Place Score (proxy)
61.6 / 100High confidence
RetireCityIQ proxy model · Updated April 2026
Healthcare
Healthcare Access Score
20 / 100Medium confidence
CMS Hospital General Information · Updated March 2026
Climate
Avg July High
80.6°FMedium confidence
Open-Meteo Historical Weather (ERA5) · Updated March 2026
Avg January Low
-1.3°FMedium confidence
Open-Meteo Historical Weather (ERA5) · Updated March 2026
Annual Precipitation
24.4"Medium confidence
Open-Meteo Historical Weather (ERA5) · Updated March 2026
Sunny Days / Year
261 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)
46.4 / 100Medium confidence
U.S. Census ACS 5-Year (B08301) · Updated March 2026
Transit Score (proxy)
5.1 / 100Medium confidence
U.S. Census ACS 5-Year (B08301) · Updated March 2026
Demographics
Population
58,935High confidence
U.S. Census ACS 5-Year · Updated April 2026
Median Age
29.1High confidence
U.S. Census ACS 5-Year · Updated April 2026
Age 65+
13.2%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Median Household Income
$59,079High confidence
U.S. Census ACS 5-Year · Updated April 2026
Community Profile
Owner-Occupied Housing
45.6%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Veterans
6.7%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Bachelor's Degree+
39.0%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Poverty Rate
16.4%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Diversity
White
82.1%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Black
4.3%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Hispanic/Latino
4.9%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Asian
3.3%High confidence
U.S. Census ACS 5-Year · Updated April 2026
10-Year Housing Stress Test (Estimate)
Estimate monthly homeowner carrying cost in Grand Forks using median home price and adjustable assumptions. Stress case applies +10% property tax, +20% insurance, +10% maintenance.
Estimated monthly carrying cost
$514
Stress-case monthly carrying cost
$577
Median home price used: $237,000
Median rent reference: $927 / month
Estimate includes property tax, insurance, maintenance reserve, and HOA. It excludes mortgage, utilities, and one-time transaction costs.