McAllen, Texas Retirement Guide
established retirement community
74
Retirement Score
McAllen, Texas at a Glance
- Median Home Price
- $168,300
- State Income Tax
- No state income tax; Social Security and pension income fully exempt.
- Avg January Low
- 55°F
- Cost of Living Index
- 97.4 (US avg = 100)
- Best For
- established retirement community
- RetireCityIQ Score
- 74 / 100
Retirement Data
Affordability
Cost of Living Index
97.4 (U.S. avg = 100)High confidence
BEA Regional Price Parities · Updated August 2026
Median Home Price
$168,300High confidence
U.S. Census ACS 5-Year · Updated August 2026
Median Monthly Rent
$971High confidence
U.S. Census ACS 5-Year · Updated August 2026
Taxes
Retirement Tax Score
100 / 100High confidence
Tax Foundation · Updated August 2026
Tax Details
No state income tax; Social Security and pension income fully exempt.High confidence
Tax Foundation · Updated August 2026
Retiree Readiness (Sprint 2)
Care Access Score (proxy)
71.7 / 100High confidence
RetireCityIQ proxy model · Updated August 2026
Aging-in-Place Score (proxy)
38.5 / 100High confidence
RetireCityIQ proxy model · Updated August 2026
Healthcare
Healthcare Access Score
71.7 / 100High confidence
CMS Hospital General Information + RetireCityIQ nearest-hospital radius model · Updated August 2026
Climate
Avg July High
99.1°FHigh confidence
Open-Meteo Historical Weather (ERA5) · Updated August 2026
Avg January Low
55°FHigh confidence
Open-Meteo Historical Weather (ERA5) · Updated August 2026
Annual Precipitation
23.4"High confidence
Open-Meteo Historical Weather (ERA5) · Updated August 2026
Sunny Days / Year
314 daysHigh confidence
Open-Meteo Historical Weather (ERA5) · Updated August 2026
Safety
Safety Score
89.5 / 100High confidence
FBI Crime Data Explorer · Updated August 2026
Walkability
Walk Score (proxy)
5.6 / 100High confidence
U.S. Census ACS 5-Year (B08301) · Updated August 2026
Transit Score (proxy)
1.3 / 100High confidence
U.S. Census ACS 5-Year (B08301) · Updated August 2026
Demographics
Population
142,722High confidence
U.S. Census ACS 5-Year · Updated August 2026
Median Age
32.9High confidence
U.S. Census ACS 5-Year · Updated August 2026
Age 65+
13.1%High confidence
U.S. Census ACS 5-Year · Updated August 2026
Median Household Income
$56,326High confidence
U.S. Census ACS 5-Year · Updated August 2026
Community Profile
Owner-Occupied Housing
59.4%High confidence
U.S. Census ACS 5-Year · Updated August 2026
Veterans
3.5%High confidence
U.S. Census ACS 5-Year · Updated August 2026
Bachelor's Degree+
31.8%High confidence
U.S. Census ACS 5-Year · Updated August 2026
Poverty Rate
21.0%High confidence
U.S. Census ACS 5-Year · Updated August 2026
Diversity
White
52.2%High confidence
U.S. Census ACS 5-Year · Updated August 2026
Black
1.0%High confidence
U.S. Census ACS 5-Year · Updated August 2026
Hispanic/Latino
87.0%High confidence
U.S. Census ACS 5-Year · Updated August 2026
Asian
2.8%High confidence
U.S. Census ACS 5-Year · Updated August 2026
10-Year Housing Stress Test (Estimate)
Estimate monthly homeowner carrying cost in McAllen using median home price and adjustable assumptions. Stress case applies +10% property tax, +20% insurance, +10% maintenance.
Estimated monthly carrying cost
$365
Stress-case monthly carrying cost
$410
Median home price used: $168,300
Median rent reference: $971 / month
Estimate includes property tax, insurance, maintenance reserve, and HOA. It excludes mortgage, utilities, and one-time transaction costs.