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Houston, Texas Retirement Guide
tax-friendly for retireesestablished retirement community
56
Retirement Score
Houston, Texas at a Glance
- Median Home Price
- $267,000
- State Income Tax
- No state income tax; Social Security and pension income fully exempt.
- Avg January Low
- 46.7°F
- Cost of Living Index
- 97.4 (US avg = 100)
- Best For
- tax-friendly for retirees, established retirement community
- RetireCityIQ Score
- 56 / 100
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
$267,000High confidence
U.S. Census ACS 1-Year · Updated April 2026
Median Monthly Rent
$1,246High 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)
14.3 / 100High confidence
RetireCityIQ proxy model · Updated April 2026
Aging-in-Place Score (proxy)
38.6 / 100High confidence
RetireCityIQ proxy model · Updated April 2026
Healthcare
Healthcare Access Score
14.3 / 100Medium confidence
CMS Hospital General Information · Updated March 2026
Climate
Avg July High
94.8°FMedium confidence
Open-Meteo Historical Weather (ERA5) · Updated March 2026
Avg January Low
46.7°FMedium confidence
Open-Meteo Historical Weather (ERA5) · Updated March 2026
Annual Precipitation
60.7"Medium confidence
Open-Meteo Historical Weather (ERA5) · Updated March 2026
Sunny Days / Year
298 daysMedium confidence
Open-Meteo Historical Weather (ERA5) · Updated March 2026
Safety
Safety Score
71.4 / 100Medium confidence
FBI Crime Data Explorer · Updated March 2026
Walkability
Walk Score (proxy)
18.6 / 100Medium confidence
U.S. Census ACS 5-Year (B08301) · Updated March 2026
Transit Score (proxy)
11.3 / 100Medium confidence
U.S. Census ACS 5-Year (B08301) · Updated March 2026
Demographics
Population
2,296,253High confidence
U.S. Census ACS 5-Year · Updated April 2026
Median Age
33.9High confidence
U.S. Census ACS 5-Year · Updated April 2026
Age 65+
11.6%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Median Household Income
$60,440High confidence
U.S. Census ACS 5-Year · Updated April 2026
Community Profile
Owner-Occupied Housing
42.0%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Veterans
3.6%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Bachelor's Degree+
35.2%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Poverty Rate
19.6%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Diversity
White
40.8%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Black
22.4%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Hispanic/Latino
44.8%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Asian
6.9%High confidence
U.S. Census ACS 5-Year · Updated April 2026
10-Year Housing Stress Test (Estimate)
Estimate monthly homeowner carrying cost in Houston using median home price and adjustable assumptions. Stress case applies +10% property tax, +20% insurance, +10% maintenance.
Estimated monthly carrying cost
$579
Stress-case monthly carrying cost
$650
Median home price used: $267,000
Median rent reference: $1,246 / month
Estimate includes property tax, insurance, maintenance reserve, and HOA. It excludes mortgage, utilities, and one-time transaction costs.