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Lochearn, Maryland Retirement Guide
established retirement community
41
Retirement Score
Lochearn, Maryland at a Glance
- Median Home Price
- $253,400
- State Income Tax
- State income tax; Social Security exempt; pension exclusion available for qualifying retirees.
- Avg January Low
- 28.8°F
- Cost of Living Index
- 104.9 (US avg = 100)
- Best For
- established retirement community
- RetireCityIQ Score
- 41 / 100
Retirement Data
Affordability
Cost of Living Index
104.9 (U.S. avg = 100)High confidence
BEA Regional Price Parities · Updated May 2026
Median Home Price
$253,400High confidence
U.S. Census ACS 5-Year · Updated June 2026
Median Monthly Rent
$1,375High confidence
U.S. Census ACS 5-Year · Updated June 2026
Taxes
Retirement Tax Score
45 / 100High confidence
Tax Foundation · Updated June 2026
Tax Details
State income tax; Social Security exempt; pension exclusion available for qualifying retirees.High confidence
Tax Foundation · Updated June 2026
Retiree Readiness (Sprint 2)
Care Access Score (proxy)
0 / 100High confidence
RetireCityIQ proxy model · Updated June 2026
Aging-in-Place Score (proxy)
43.9 / 100High confidence
RetireCityIQ proxy model · Updated June 2026
Healthcare
Healthcare Access Score
0 / 100High confidence
CMS Hospital General Information (no in-city hospital listed) · Updated June 2026
Climate
Avg July High
87.1°FHigh confidence
Open-Meteo Historical Weather (ERA5) · Updated June 2026
Avg January Low
28.8°FHigh confidence
Open-Meteo Historical Weather (ERA5) · Updated June 2026
Annual Precipitation
55.5"High confidence
Open-Meteo Historical Weather (ERA5) · Updated June 2026
Sunny Days / Year
288 daysHigh confidence
Open-Meteo Historical Weather (ERA5) · Updated June 2026
Safety
Safety Score
86.2 / 100High confidence
FBI Crime Data Explorer · Updated June 2026
Walkability
Walk Score (proxy)
12.8 / 100High confidence
U.S. Census ACS 5-Year (B08301) · Updated June 2026
Transit Score (proxy)
24.6 / 100High confidence
U.S. Census ACS 5-Year (B08301) · Updated June 2026
Demographics
Population
27,078High confidence
U.S. Census ACS 5-Year · Updated June 2026
Median Age
38.5High confidence
U.S. Census ACS 5-Year · Updated June 2026
Age 65+
18.0%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Median Household Income
$69,429High confidence
U.S. Census ACS 5-Year · Updated June 2026
Community Profile
Owner-Occupied Housing
67.6%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Veterans
8.1%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Bachelor's Degree+
31.7%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Poverty Rate
13.0%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Diversity
White
10.9%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Black
75.8%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Hispanic/Latino
10.5%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Asian
1.6%High confidence
U.S. Census ACS 5-Year · Updated June 2026
10-Year Housing Stress Test (Estimate)
Estimate monthly homeowner carrying cost in Lochearn using median home price and adjustable assumptions. Stress case applies +10% property tax, +20% insurance, +10% maintenance.
Estimated monthly carrying cost
$549
Stress-case monthly carrying cost
$617
Median home price used: $253,400
Median rent reference: $1,375 / month
Estimate includes property tax, insurance, maintenance reserve, and HOA. It excludes mortgage, utilities, and one-time transaction costs.