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Lincoln, Illinois Retirement Guide
established retirement community
62
Retirement Score
Lincoln, Illinois at a Glance
- Median Home Price
- $101,100
- State Income Tax
- State income tax; Social Security and retirement income (pensions, 401k, IRA) fully exempt.
- Avg January Low
- N/A
- Cost of Living Index
- 101.2 (US avg = 100)
- Best For
- established retirement community
- RetireCityIQ Score
- 62 / 100
Retirement Data
Affordability
Cost of Living Index
101.2 (U.S. avg = 100)Medium confidence
BEA Regional Price Parities · Updated March 2026
Median Home Price
$101,100High confidence
U.S. Census ACS 5-Year · Updated April 2026
Median Monthly Rent
$751High 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 retirement income (pensions, 401k, IRA) fully exempt.Medium confidence
Tax Foundation · Updated March 2026
Retiree Readiness (Sprint 2)
Care Access Score (proxy)Data not available
Aging-in-Place Score (proxy)
60 / 100High confidence
RetireCityIQ proxy model · Updated April 2026
Healthcare
Healthcare Access ScoreData not available
Climate
Avg July HighData not available
Avg January LowData not available
Annual PrecipitationData not available
Sunny Days / YearData not available
Safety
Safety Score
92.3 / 100Medium confidence
FBI Crime Data Explorer · Updated March 2026
Walkability
Walk Score (proxy)
50.7 / 100Medium confidence
U.S. Census ACS 5-Year (B08301) · Updated March 2026
Transit Score (proxy)
1.8 / 100Medium confidence
U.S. Census ACS 5-Year (B08301) · Updated March 2026
Demographics
Population
13,371High confidence
U.S. Census ACS 5-Year · Updated April 2026
Median Age
40.4High confidence
U.S. Census ACS 5-Year · Updated April 2026
Age 65+
22.4%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Median Household Income
$54,002High confidence
U.S. Census ACS 5-Year · Updated April 2026
Community Profile
Owner-Occupied Housing
61.8%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Veterans
7.5%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Bachelor's Degree+
18.7%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Poverty Rate
14.9%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Diversity
White
89.1%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Black
4.8%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Hispanic/Latino
3.0%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Asian
0.4%High confidence
U.S. Census ACS 5-Year · Updated April 2026
10-Year Housing Stress Test (Estimate)
Estimate monthly homeowner carrying cost in Lincoln using median home price and adjustable assumptions. Stress case applies +10% property tax, +20% insurance, +10% maintenance.
Estimated monthly carrying cost
$219
Stress-case monthly carrying cost
$246
Median home price used: $101,100
Median rent reference: $751 / month
Estimate includes property tax, insurance, maintenance reserve, and HOA. It excludes mortgage, utilities, and one-time transaction costs.