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Hot Springs, Arkansas Retirement Guide
established retirement community
69
Retirement Score
Hot Springs, Arkansas at a Glance
- Median Home Price
- $148,100
- State Income Tax
- State income tax; Social Security fully exempt; military and some pension income exempt.
- Avg January Low
- 35.1°F
- Cost of Living Index
- 86.9 (US avg = 100)
- Best For
- established retirement community
- RetireCityIQ Score
- 69 / 100
Retirement Data
Affordability
Cost of Living Index
86.9 (U.S. avg = 100)Medium confidence
BEA Regional Price Parities · Updated March 2026
Median Home Price
$148,100High confidence
U.S. Census ACS 5-Year · Updated April 2026
Median Monthly Rent
$857High 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; Social Security fully exempt; military and some pension income exempt.Medium confidence
Tax Foundation · Updated March 2026
Retiree Readiness (Sprint 2)
Care Access Score (proxy)
92.8 / 100High confidence
RetireCityIQ proxy model · Updated April 2026
Aging-in-Place Score (proxy)
41.5 / 100High confidence
RetireCityIQ proxy model · Updated April 2026
Healthcare
Healthcare Access Score
92.8 / 100Medium confidence
CMS Hospital General Information · Updated March 2026
Climate
Avg July High
94.6°FMedium confidence
Open-Meteo Historical Weather (ERA5) · Updated March 2026
Avg January Low
35.1°FMedium confidence
Open-Meteo Historical Weather (ERA5) · Updated March 2026
Annual Precipitation
54.2"Medium confidence
Open-Meteo Historical Weather (ERA5) · Updated March 2026
Sunny Days / Year
296 daysMedium confidence
Open-Meteo Historical Weather (ERA5) · Updated March 2026
Safety
Safety Score
74.1 / 100Medium confidence
FBI Crime Data Explorer · Updated March 2026
Walkability
Walk Score (proxy)
25.4 / 100Medium confidence
U.S. Census ACS 5-Year (B08301) · Updated March 2026
Transit Score (proxy)
2.9 / 100Medium confidence
U.S. Census ACS 5-Year (B08301) · Updated March 2026
Demographics
Population
38,025High 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+
22.7%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Median Household Income
$46,537High confidence
U.S. Census ACS 5-Year · Updated April 2026
Community Profile
Owner-Occupied Housing
55.6%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Veterans
8.1%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Bachelor's Degree+
24.2%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Poverty Rate
21.2%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Diversity
White
72.9%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Black
17.2%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Hispanic/Latino
10.7%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Asian
1.4%High confidence
U.S. Census ACS 5-Year · Updated April 2026
10-Year Housing Stress Test (Estimate)
Estimate monthly homeowner carrying cost in Hot Springs using median home price and adjustable assumptions. Stress case applies +10% property tax, +20% insurance, +10% maintenance.
Estimated monthly carrying cost
$321
Stress-case monthly carrying cost
$360
Median home price used: $148,100
Median rent reference: $857 / month
Estimate includes property tax, insurance, maintenance reserve, and HOA. It excludes mortgage, utilities, and one-time transaction costs.