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Lancaster, Pennsylvania Retirement Guide
mild winterswalkable neighborhoodslow crime rate
66
Retirement Score
Lancaster, Pennsylvania at a Glance
- Median Home Price
- $179,500
- State Income Tax
- State income tax; Social Security and most retirement income fully exempt.
- Avg January Low
- 37°F
- Cost of Living Index
- 96.3 (US avg = 100)
- Best For
- mild winters, walkable neighborhoods, low crime rate
- RetireCityIQ Score
- 66 / 100
Things to Consider
- very hot summers
Retirement Data
Affordability
Cost of Living Index
96.3 (U.S. avg = 100)Medium confidence
BEA Regional Price Parities · Updated March 2026
Median Home Price
$179,500High confidence
U.S. Census ACS 5-Year · Updated April 2026
Median Monthly Rent
$1,084High confidence
U.S. Census ACS 5-Year · Updated April 2026
Taxes
Retirement Tax Score
60 / 100Medium confidence
Tax Foundation · Updated March 2026
Tax Details
State income tax; Social Security and most retirement income fully exempt.Medium confidence
Tax Foundation · Updated March 2026
Retiree Readiness (Sprint 2)
Care Access Score (proxy)
60.9 / 100High confidence
RetireCityIQ proxy model · Updated April 2026
Aging-in-Place Score (proxy)
83.2 / 100High confidence
RetireCityIQ proxy model · Updated April 2026
Healthcare
Healthcare Access Score
60.9 / 100Medium confidence
CMS Hospital General Information · Updated March 2026
Climate
Avg July High
98.1°FMedium confidence
Open-Meteo Historical Weather (ERA5) · Updated March 2026
Avg January Low
37°FMedium confidence
Open-Meteo Historical Weather (ERA5) · Updated March 2026
Annual Precipitation
9.4"Medium confidence
Open-Meteo Historical Weather (ERA5) · Updated March 2026
Sunny Days / Year
346 daysMedium confidence
Open-Meteo Historical Weather (ERA5) · Updated March 2026
Safety
Safety Score
90.4 / 100Medium confidence
FBI Crime Data Explorer · Updated March 2026
Walkability
Walk Score (proxy)
100 / 100Medium confidence
U.S. Census ACS 5-Year (B08301) · Updated March 2026
Transit Score (proxy)
13.5 / 100Medium confidence
U.S. Census ACS 5-Year (B08301) · Updated March 2026
Demographics
Population
57,970High confidence
U.S. Census ACS 5-Year · Updated April 2026
Median Age
31.8High confidence
U.S. Census ACS 5-Year · Updated April 2026
Age 65+
9.3%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Median Household Income
$61,014High confidence
U.S. Census ACS 5-Year · Updated April 2026
Community Profile
Owner-Occupied Housing
46.7%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Veterans
3.4%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Bachelor's Degree+
27.4%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Poverty Rate
18.7%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Diversity
White
51.5%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Black
17.4%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Hispanic/Latino
39.4%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Asian
2.7%High confidence
U.S. Census ACS 5-Year · Updated April 2026
10-Year Housing Stress Test (Estimate)
Estimate monthly homeowner carrying cost in Lancaster using median home price and adjustable assumptions. Stress case applies +10% property tax, +20% insurance, +10% maintenance.
Estimated monthly carrying cost
$389
Stress-case monthly carrying cost
$437
Median home price used: $179,500
Median rent reference: $1,084 / month
Estimate includes property tax, insurance, maintenance reserve, and HOA. It excludes mortgage, utilities, and one-time transaction costs.