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Indianapolis, Indiana Retirement Guide
established retirement community
46
Retirement Score
Indianapolis, Indiana at a Glance
- Median Home Price
- $216,700
- State Income Tax
- State income tax; Social Security exempt; some retirement income deductions available.
- Avg January Low
- 24°F
- Cost of Living Index
- 91.9 (US avg = 100)
- Best For
- established retirement community
- RetireCityIQ Score
- 46 / 100
Retirement Data
Affordability
Cost of Living Index
91.9 (U.S. avg = 100)Medium confidence
BEA Regional Price Parities · Updated March 2026
Median Home Price
$216,700High confidence
U.S. Census ACS 1-Year · Updated April 2026
Median Monthly Rent
$1,039High confidence
U.S. Census ACS 1-Year · Updated April 2026
Taxes
Retirement Tax Score
45 / 100Medium confidence
Tax Foundation · Updated March 2026
Tax Details
State income tax; Social Security exempt; some retirement income deductions available.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)
26.3 / 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
85.9°FMedium confidence
Open-Meteo Historical Weather (ERA5) · Updated March 2026
Avg January Low
24°FMedium confidence
Open-Meteo Historical Weather (ERA5) · Updated March 2026
Annual Precipitation
39.7"Medium confidence
Open-Meteo Historical Weather (ERA5) · Updated March 2026
Sunny Days / Year
272 daysMedium confidence
Open-Meteo Historical Weather (ERA5) · Updated March 2026
Safety
Safety Score
43 / 100Medium confidence
FBI Crime Data Explorer · Updated March 2026
Walkability
Walk Score (proxy)
18.5 / 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
882,006High confidence
U.S. Census ACS 5-Year · Updated April 2026
Median Age
34.3High confidence
U.S. Census ACS 5-Year · Updated April 2026
Age 65+
12.8%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Median Household Income
$59,110High confidence
U.S. Census ACS 5-Year · Updated April 2026
Community Profile
Owner-Occupied Housing
54.9%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Veterans
5.9%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Bachelor's Degree+
33.4%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Poverty Rate
15.9%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Diversity
White
55.7%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Black
28.8%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Hispanic/Latino
10.9%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Asian
4.2%High confidence
U.S. Census ACS 5-Year · Updated April 2026
10-Year Housing Stress Test (Estimate)
Estimate monthly homeowner carrying cost in Indianapolis using median home price and adjustable assumptions. Stress case applies +10% property tax, +20% insurance, +10% maintenance.
Estimated monthly carrying cost
$470
Stress-case monthly carrying cost
$527
Median home price used: $216,700
Median rent reference: $1,039 / month
Estimate includes property tax, insurance, maintenance reserve, and HOA. It excludes mortgage, utilities, and one-time transaction costs.