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Oro Valley, Arizona Retirement Guide
established retirement community
43
Retirement Score
Oro Valley, Arizona at a Glance
- Median Home Price
- $404,500
- State Income Tax
- State income tax; Social Security fully exempt; limited pension exemption.
- Avg January Low
- 41.1°F
- Cost of Living Index
- 100 (US avg = 100)
- Best For
- established retirement community
- RetireCityIQ Score
- 43 / 100
Retirement Data
Affordability
Cost of Living Index
100 (U.S. avg = 100)High confidence
BEA Regional Price Parities · Updated May 2026
Median Home Price
$404,500High confidence
U.S. Census ACS 5-Year · Updated June 2026
Median Monthly Rent
$1,555High 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 fully exempt; limited pension exemption.High confidence
Tax Foundation · Updated June 2026
Retiree Readiness (Sprint 2)
Care Access Score (proxy)
25 / 100High confidence
RetireCityIQ proxy model · Updated June 2026
Aging-in-Place Score (proxy)
39.4 / 100High confidence
RetireCityIQ proxy model · Updated June 2026
Healthcare
Healthcare Access Score
25 / 100High confidence
CMS Hospital General Information · Updated June 2026
Climate
Avg July High
101.5°FHigh confidence
RetireCityIQ state median imputation after Open-Meteo coverage gaps · Updated May 2026
Avg January Low
41.1°FHigh confidence
RetireCityIQ state median imputation after Open-Meteo coverage gaps · Updated May 2026
Annual Precipitation
13.4"High confidence
RetireCityIQ state median imputation after Open-Meteo coverage gaps · Updated May 2026
Sunny Days / Year
350 daysHigh confidence
RetireCityIQ state median imputation after Open-Meteo coverage gaps · Updated May 2026
Safety
Safety Score
89.1 / 100High confidence
FBI Crime Data Explorer · Updated June 2026
Walkability
Walk Score (proxy)
7.9 / 100High confidence
U.S. Census ACS 5-Year (B08301) · Updated June 2026
Transit Score (proxy)
1.4 / 100High confidence
U.S. Census ACS 5-Year (B08301) · Updated June 2026
Demographics
Population
47,053High confidence
U.S. Census ACS 5-Year · Updated June 2026
Median Age
54.5High confidence
U.S. Census ACS 5-Year · Updated June 2026
Age 65+
35.3%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Median Household Income
$101,394High confidence
U.S. Census ACS 5-Year · Updated June 2026
Community Profile
Owner-Occupied Housing
76.7%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Veterans
12.3%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Bachelor's Degree+
56.5%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Poverty Rate
6.8%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Diversity
White
81.8%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Black
1.7%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Hispanic/Latino
14.4%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Asian
3.6%High confidence
U.S. Census ACS 5-Year · Updated June 2026
10-Year Housing Stress Test (Estimate)
Estimate monthly homeowner carrying cost in Oro Valley using median home price and adjustable assumptions. Stress case applies +10% property tax, +20% insurance, +10% maintenance.
Estimated monthly carrying cost
$876
Stress-case monthly carrying cost
$984
Median home price used: $404,500
Median rent reference: $1,555 / month
Estimate includes property tax, insurance, maintenance reserve, and HOA. It excludes mortgage, utilities, and one-time transaction costs.
Local Professionals
Financial Advisors
NRG WEALTH MANAGEMENT
J. P. DAVIS, INC.