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Lafayette, Colorado Retirement Guide
established retirement community
40
Retirement Score
Lafayette, Colorado at a Glance
- Median Home Price
- $611,500
- State Income Tax
- State income tax; Social Security partially exempt for seniors; limited pension deduction.
- Avg January Low
- 45.6°F
- Cost of Living Index
- 102.3 (US avg = 100)
- Best For
- established retirement community
- RetireCityIQ Score
- 40 / 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
$611,500High confidence
U.S. Census ACS 5-Year · Updated June 2026
Median Monthly Rent
$1,912High confidence
U.S. Census ACS 5-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)
38.8 / 100High confidence
RetireCityIQ proxy model · Updated June 2026
Aging-in-Place Score (proxy)
43.8 / 100High confidence
RetireCityIQ proxy model · Updated June 2026
Healthcare
Healthcare Access Score
38.8 / 100High confidence
CMS Hospital General Information · Updated June 2026
Climate
Avg July High
91.8°FHigh confidence
Open-Meteo Historical Weather (ERA5) · Updated June 2026
Avg January Low
45.6°FHigh confidence
Open-Meteo Historical Weather (ERA5) · Updated June 2026
Annual Precipitation
50"High confidence
Open-Meteo Historical Weather (ERA5) · Updated June 2026
Sunny Days / Year
309 daysHigh confidence
Open-Meteo Historical Weather (ERA5) · Updated June 2026
Safety
Safety Score
92.7 / 100High confidence
FBI Crime Data Explorer · Updated June 2026
Walkability
Walk Score (proxy)
11.4 / 100High confidence
U.S. Census ACS 5-Year (B08301) · Updated June 2026
Transit Score (proxy)
10.8 / 100High confidence
U.S. Census ACS 5-Year (B08301) · Updated June 2026
Demographics
Population
30,295High confidence
U.S. Census ACS 5-Year · Updated June 2026
Median Age
38.7High confidence
U.S. Census ACS 5-Year · Updated June 2026
Age 65+
14.6%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Median Household Income
$105,819High confidence
U.S. Census ACS 5-Year · Updated June 2026
Community Profile
Owner-Occupied Housing
67.9%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Veterans
2.8%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Bachelor's Degree+
63.1%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Poverty Rate
5.5%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Diversity
White
81.2%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Black
0.7%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Hispanic/Latino
16.7%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Asian
3.3%High confidence
U.S. Census ACS 5-Year · Updated June 2026
10-Year Housing Stress Test (Estimate)
Estimate monthly homeowner carrying cost in Lafayette using median home price and adjustable assumptions. Stress case applies +10% property tax, +20% insurance, +10% maintenance.
Estimated monthly carrying cost
$1,325
Stress-case monthly carrying cost
$1,488
Median home price used: $611,500
Median rent reference: $1,912 / month
Estimate includes property tax, insurance, maintenance reserve, and HOA. It excludes mortgage, utilities, and one-time transaction costs.