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Montgomery, Alabama Retirement Guide
affordable cost of livingestablished retirement community
53
Retirement Score
Montgomery, Alabama at a Glance
- Median Home Price
- $155,200
- State Income Tax
- State income tax; Social Security and defined-benefit pensions fully exempt.
- Avg January Low
- 40.2°F
- Cost of Living Index
- 88 (US avg = 100)
- Best For
- affordable cost of living, established retirement community
- RetireCityIQ Score
- 53 / 100
Things to Consider
- limited healthcare options
Retirement Data
Affordability
Cost of Living Index
88 (U.S. avg = 100)Medium confidence
BEA Regional Price Parities · Updated March 2026
Median Home Price
$155,200High confidence
U.S. Census ACS 1-Year · Updated April 2026
Median Monthly Rent
$984High confidence
U.S. Census ACS 1-Year · Updated April 2026
Taxes
Retirement Tax Score
60 / 100Medium confidence
Tax Foundation · Updated March 2026
Tax Details
State income tax; Social Security and defined-benefit pensions fully exempt.Medium confidence
Tax Foundation · Updated March 2026
Retiree Readiness (Sprint 2)
Care Access Score (proxy)
23.6 / 100High confidence
RetireCityIQ proxy model · Updated April 2026
Aging-in-Place Score (proxy)
24.1 / 100High confidence
RetireCityIQ proxy model · Updated April 2026
Healthcare
Healthcare Access Score
23.6 / 100Medium confidence
CMS Hospital General Information · Updated March 2026
Climate
Avg July High
93.5°FMedium confidence
Open-Meteo Historical Weather (ERA5) · Updated March 2026
Avg January Low
40.2°FMedium confidence
Open-Meteo Historical Weather (ERA5) · Updated March 2026
Annual Precipitation
49.9"Medium confidence
Open-Meteo Historical Weather (ERA5) · Updated March 2026
Sunny Days / Year
311 daysMedium confidence
Open-Meteo Historical Weather (ERA5) · Updated March 2026
Safety
Safety Score
41.6 / 100Medium confidence
FBI Crime Data Explorer · Updated March 2026
Walkability
Walk Score (proxy)
16.1 / 100Medium confidence
U.S. Census ACS 5-Year (B08301) · Updated March 2026
Transit Score (proxy)
1.3 / 100Medium confidence
U.S. Census ACS 5-Year (B08301) · Updated March 2026
Demographics
Population
199,819High confidence
U.S. Census ACS 5-Year · Updated April 2026
Median Age
36.1High confidence
U.S. Census ACS 5-Year · Updated April 2026
Age 65+
15.3%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Median Household Income
$54,166High confidence
U.S. Census ACS 5-Year · Updated April 2026
Community Profile
Owner-Occupied Housing
53.5%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+
33.1%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Poverty Rate
21.2%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Diversity
White
29.0%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Black
62.7%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Hispanic/Latino
3.9%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Asian
3.5%High confidence
U.S. Census ACS 5-Year · Updated April 2026
10-Year Housing Stress Test (Estimate)
Estimate monthly homeowner carrying cost in Montgomery using median home price and adjustable assumptions. Stress case applies +10% property tax, +20% insurance, +10% maintenance.
Estimated monthly carrying cost
$336
Stress-case monthly carrying cost
$378
Median home price used: $155,200
Median rent reference: $984 / month
Estimate includes property tax, insurance, maintenance reserve, and HOA. It excludes mortgage, utilities, and one-time transaction costs.