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Lakeland, Florida Retirement Guide
tax-friendly for retireesestablished retirement community
56
Retirement Score
Lakeland, Florida at a Glance
- Median Home Price
- $272,300
- State Income Tax
- No state income tax; Social Security and pension income fully exempt.
- Avg January Low
- 51.5°F
- Cost of Living Index
- 102.3 (US avg = 100)
- Best For
- tax-friendly for retirees, established retirement community
- RetireCityIQ Score
- 56 / 100
Retirement Data
Affordability
Cost of Living Index
102.3 (U.S. avg = 100)Medium confidence
BEA Regional Price Parities · Updated March 2026
Median Home Price
$272,300High confidence
U.S. Census ACS 1-Year · Updated April 2026
Median Monthly Rent
$1,249High 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)
10.3 / 100High confidence
RetireCityIQ proxy model · Updated April 2026
Aging-in-Place Score (proxy)
42.6 / 100High confidence
RetireCityIQ proxy model · Updated April 2026
Healthcare
Healthcare Access Score
10.3 / 100Medium confidence
CMS Hospital General Information · Updated March 2026
Climate
Avg July High
91°FMedium confidence
Open-Meteo Historical Weather (ERA5) · Updated March 2026
Avg January Low
51.5°FMedium confidence
Open-Meteo Historical Weather (ERA5) · Updated March 2026
Annual Precipitation
54.9"Medium confidence
Open-Meteo Historical Weather (ERA5) · Updated March 2026
Sunny Days / Year
330 daysMedium confidence
Open-Meteo Historical Weather (ERA5) · Updated March 2026
Safety
Safety Score
83.6 / 100Medium confidence
FBI Crime Data Explorer · Updated March 2026
Walkability
Walk Score (proxy)
20.1 / 100Medium confidence
U.S. Census ACS 5-Year (B08301) · Updated March 2026
Transit Score (proxy)
0.9 / 100Medium confidence
U.S. Census ACS 5-Year (B08301) · Updated March 2026
Demographics
Population
114,404High confidence
U.S. Census ACS 5-Year · Updated April 2026
Median Age
40.6High confidence
U.S. Census ACS 5-Year · Updated April 2026
Age 65+
21.7%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Median Household Income
$58,290High confidence
U.S. Census ACS 5-Year · Updated April 2026
Community Profile
Owner-Occupied Housing
54.8%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Veterans
8.9%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Bachelor's Degree+
26.7%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Poverty Rate
14.1%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Diversity
White
65.1%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Black
19.8%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Hispanic/Latino
17.8%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Asian
2.3%High confidence
U.S. Census ACS 5-Year · Updated April 2026
10-Year Housing Stress Test (Estimate)
Estimate monthly homeowner carrying cost in Lakeland using median home price and adjustable assumptions. Stress case applies +10% property tax, +20% insurance, +10% maintenance.
Estimated monthly carrying cost
$590
Stress-case monthly carrying cost
$663
Median home price used: $272,300
Median rent reference: $1,249 / month
Estimate includes property tax, insurance, maintenance reserve, and HOA. It excludes mortgage, utilities, and one-time transaction costs.