Photo by Giovanni Nehme on Unsplash (https://unsplash.com/@giovanninehme)
Moody, Alabama Retirement Guide
established retirement community
73
Retirement Score
Moody, Alabama at a Glance
- Median Home Price
- $214,000
- State Income Tax
- State income tax; Social Security and defined-benefit pensions fully exempt.
- Avg January Low
- 39.2°F
- Cost of Living Index
- 88 (US avg = 100)
- Best For
- established retirement community
- RetireCityIQ Score
- 73 / 100
Retirement Data
Affordability
Cost of Living Index
88 (U.S. avg = 100)High confidence
BEA Regional Price Parities · Updated May 2026
Median Home Price
$214,000High confidence
U.S. Census ACS 5-Year · Updated June 2026
Median Monthly Rent
$1,220High confidence
U.S. Census ACS 5-Year · Updated June 2026
Taxes
Retirement Tax Score
60 / 100High confidence
Tax Foundation · Updated June 2026
Tax Details
State income tax; Social Security and defined-benefit pensions fully exempt.High confidence
Tax Foundation · Updated June 2026
Retiree Readiness (Sprint 2)
Care Access Score (proxy)
100 / 100High confidence
RetireCityIQ proxy model · Updated June 2026
Aging-in-Place Score (proxy)
40.8 / 100High confidence
RetireCityIQ proxy model · Updated June 2026
Healthcare
Healthcare Access Score
100 / 100High confidence
CMS Hospital General Information + RetireCityIQ nearest-hospital radius model · Updated June 2026
Climate
Avg July High
90.7°FHigh confidence
RetireCityIQ state median imputation after Open-Meteo coverage gaps · Updated May 2026
Avg January Low
39.2°FHigh confidence
RetireCityIQ state median imputation after Open-Meteo coverage gaps · Updated May 2026
Annual Precipitation
52.2"High confidence
RetireCityIQ state median imputation after Open-Meteo coverage gaps · Updated May 2026
Sunny Days / Year
308 daysHigh confidence
RetireCityIQ state median imputation after Open-Meteo coverage gaps · Updated May 2026
Safety
Safety Score
88.5 / 100High confidence
FBI Crime Data Explorer · Updated June 2026
Walkability
Walk Score (proxy)
11.9 / 100High confidence
U.S. Census ACS 5-Year (B08301) · Updated June 2026
Transit Score (proxy)
0 / 100High confidence
U.S. Census ACS 5-Year (B08301) · Updated June 2026
Demographics
Population
13,235High confidence
U.S. Census ACS 5-Year · Updated June 2026
Median Age
41.5High confidence
U.S. Census ACS 5-Year · Updated June 2026
Age 65+
17.4%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Median Household Income
$77,680High confidence
U.S. Census ACS 5-Year · Updated June 2026
Community Profile
Owner-Occupied Housing
76.3%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Veterans
8.0%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Bachelor's Degree+
23.9%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Poverty Rate
8.7%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Diversity
White
85.3%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Black
7.8%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Hispanic/Latino
2.9%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Asian
0.2%High confidence
U.S. Census ACS 5-Year · Updated June 2026
10-Year Housing Stress Test (Estimate)
Estimate monthly homeowner carrying cost in Moody using median home price and adjustable assumptions. Stress case applies +10% property tax, +20% insurance, +10% maintenance.
Estimated monthly carrying cost
$464
Stress-case monthly carrying cost
$521
Median home price used: $214,000
Median rent reference: $1,220 / month
Estimate includes property tax, insurance, maintenance reserve, and HOA. It excludes mortgage, utilities, and one-time transaction costs.