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New Bern, North Carolina Retirement Guide
mild wintersestablished retirement community
54
Retirement Score
New Bern, North Carolina at a Glance
- Median Home Price
- $202,500
- State Income Tax
- State income tax; Social Security fully exempt; limited pension exclusion.
- Avg January Low
- 37.8°F
- Cost of Living Index
- 94 (US avg = 100)
- Best For
- mild winters, established retirement community
- RetireCityIQ Score
- 54 / 100
Retirement Data
Affordability
Cost of Living Index
94 (U.S. avg = 100)Medium confidence
BEA Regional Price Parities · Updated March 2026
Median Home Price
$202,500High confidence
U.S. Census ACS 5-Year · Updated April 2026
Median Monthly Rent
$1,019High confidence
U.S. Census ACS 5-Year · Updated April 2026
Taxes
Retirement Tax Score
45 / 100Medium confidence
Tax Foundation · Updated March 2026
Tax Details
State income tax; Social Security fully exempt; limited pension exclusion.Medium confidence
Tax Foundation · Updated March 2026
Retiree Readiness (Sprint 2)
Care Access Score (proxy)
37.5 / 100High confidence
RetireCityIQ proxy model · Updated April 2026
Aging-in-Place Score (proxy)
40.5 / 100High confidence
RetireCityIQ proxy model · Updated April 2026
Healthcare
Healthcare Access Score
37.5 / 100Medium confidence
CMS Hospital General Information · Updated March 2026
Climate
Avg July High
88.8°FMedium confidence
Open-Meteo Historical Weather (ERA5) · Updated March 2026
Avg January Low
37.8°FMedium confidence
Open-Meteo Historical Weather (ERA5) · Updated March 2026
Annual Precipitation
47.8"Medium confidence
Open-Meteo Historical Weather (ERA5) · Updated March 2026
Sunny Days / Year
303 daysMedium confidence
Open-Meteo Historical Weather (ERA5) · Updated March 2026
Safety
Safety Score
79.5 / 100Medium confidence
FBI Crime Data Explorer · Updated March 2026
Walkability
Walk Score (proxy)
19.2 / 100Medium confidence
U.S. Census ACS 5-Year (B08301) · Updated March 2026
Transit Score (proxy)
0.1 / 100Medium confidence
U.S. Census ACS 5-Year (B08301) · Updated March 2026
Demographics
Population
31,373High 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+
23.4%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Median Household Income
$55,673High confidence
U.S. Census ACS 5-Year · Updated April 2026
Community Profile
Owner-Occupied Housing
58.4%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Veterans
14.4%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Bachelor's Degree+
28.4%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Poverty Rate
16.5%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Diversity
White
56.0%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Black
30.8%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Hispanic/Latino
6.4%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Asian
5.1%High confidence
U.S. Census ACS 5-Year · Updated April 2026
10-Year Housing Stress Test (Estimate)
Estimate monthly homeowner carrying cost in New Bern using median home price and adjustable assumptions. Stress case applies +10% property tax, +20% insurance, +10% maintenance.
Estimated monthly carrying cost
$439
Stress-case monthly carrying cost
$493
Median home price used: $202,500
Median rent reference: $1,019 / month
Estimate includes property tax, insurance, maintenance reserve, and HOA. It excludes mortgage, utilities, and one-time transaction costs.