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Highlands Ranch, Colorado Retirement Guide
established retirement community
27
Retirement Score
Highlands Ranch, Colorado at a Glance
- Median Home Price
- $699,300
- State Income Tax
- State income tax; Social Security partially exempt for seniors; limited pension deduction.
- Avg January Low
- 11.8°F
- Cost of Living Index
- 102.3 (US avg = 100)
- Best For
- established retirement community
- RetireCityIQ Score
- 27 / 100
Retirement Data
Affordability
Cost of Living Index
102.3 (U.S. avg = 100)High confidence
BEA Regional Price Parities · Updated May 2026
Median Home Price
$699,300High confidence
U.S. Census ACS 1-Year · Updated June 2026
Median Monthly Rent
$2,361High confidence
U.S. Census ACS 1-Year · Updated June 2026
Taxes
Retirement Tax Score
30 / 100High confidence
Tax Foundation · Updated June 2026
Tax Details
State income tax; Social Security partially exempt for seniors; limited pension deduction.High confidence
Tax Foundation · Updated June 2026
Retiree Readiness (Sprint 2)
Care Access Score (proxy)
11.6 / 100High confidence
RetireCityIQ proxy model · Updated June 2026
Aging-in-Place Score (proxy)
41.1 / 100High confidence
RetireCityIQ proxy model · Updated June 2026
Healthcare
Healthcare Access Score
11.6 / 100High confidence
CMS Hospital General Information · Updated June 2026
Climate
Avg July High
88.8°FHigh confidence
Open-Meteo Historical Weather (ERA5) · Updated May 2026
Avg January Low
11.8°FHigh confidence
Open-Meteo Historical Weather (ERA5) · Updated May 2026
Annual Precipitation
20.8"High confidence
Open-Meteo Historical Weather (ERA5) · Updated May 2026
Sunny Days / Year
329 daysHigh confidence
Open-Meteo Historical Weather (ERA5) · Updated May 2026
Safety
Safety Score
92.7 / 100High confidence
FBI Crime Data Explorer · Updated June 2026
Walkability
Walk Score (proxy)
7.1 / 100High confidence
U.S. Census ACS 5-Year (B08301) · Updated June 2026
Transit Score (proxy)
5.3 / 100High confidence
U.S. Census ACS 5-Year (B08301) · Updated June 2026
Demographics
Population
101,514High confidence
U.S. Census ACS 5-Year · Updated June 2026
Median Age
41.0High confidence
U.S. Census ACS 5-Year · Updated June 2026
Age 65+
13.4%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Median Household Income
$148,227High confidence
U.S. Census ACS 5-Year · Updated June 2026
Community Profile
Owner-Occupied Housing
79.4%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Veterans
6.8%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Bachelor's Degree+
65.7%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Poverty Rate
1.9%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Diversity
White
85.2%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Black
1.1%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Hispanic/Latino
9.0%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Asian
6.1%High confidence
U.S. Census ACS 5-Year · Updated June 2026
10-Year Housing Stress Test (Estimate)
Estimate monthly homeowner carrying cost in Highlands Ranch using median home price and adjustable assumptions. Stress case applies +10% property tax, +20% insurance, +10% maintenance.
Estimated monthly carrying cost
$1,515
Stress-case monthly carrying cost
$1,702
Median home price used: $699,300
Median rent reference: $2,361 / month
Estimate includes property tax, insurance, maintenance reserve, and HOA. It excludes mortgage, utilities, and one-time transaction costs.
Local Professionals
Financial Advisors
ROSEL WEALTH MANAGEMENT, LLC
KOZAK & TRIPP PRIVATE ASSET MANAGEMENT, INC.
LORD AND RICHARDS
LORD AND RICHARDS WEALTH MANAGEMENT, LLC
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