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Ottumwa, Iowa Retirement Guide
61
Retirement Score
Ottumwa, Iowa at a Glance
- Median Home Price
- $88,800
- State Income Tax
- State income tax; Social Security and retirement income exempt for those 55+.
- Avg January Low
- 15.4°F
- Cost of Living Index
- 88.4 (US avg = 100)
- Best For
- N/A
- RetireCityIQ Score
- 61 / 100
Retirement Data
Affordability
Cost of Living Index
88.4 (U.S. avg = 100)High confidence
BEA Regional Price Parities · Updated May 2026
Median Home Price
$88,800High confidence
U.S. Census ACS 5-Year · Updated June 2026
Median Monthly Rent
$915High 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 retirement income exempt for those 55+.High confidence
Tax Foundation · Updated June 2026
Retiree Readiness (Sprint 2)
Care Access Score (proxy)
46.4 / 100High confidence
RetireCityIQ proxy model · Updated June 2026
Aging-in-Place Score (proxy)
47.4 / 100High confidence
RetireCityIQ proxy model · Updated June 2026
Healthcare
Healthcare Access Score
46.4 / 100High confidence
CMS Hospital General Information · Updated June 2026
Climate
Avg July High
85.2°FHigh confidence
Open-Meteo Historical Weather (ERA5) · Updated May 2026
Avg January Low
15.4°FHigh confidence
Open-Meteo Historical Weather (ERA5) · Updated May 2026
Annual Precipitation
31.4"High confidence
Open-Meteo Historical Weather (ERA5) · Updated May 2026
Sunny Days / Year
292 daysHigh confidence
Open-Meteo Historical Weather (ERA5) · Updated May 2026
Safety
Safety Score
100 / 100High confidence
FBI Crime Data Explorer · Updated June 2026
Walkability
Walk Score (proxy)
15.3 / 100High confidence
U.S. Census ACS 5-Year (B08301) · Updated June 2026
Transit Score (proxy)
3.1 / 100High confidence
U.S. Census ACS 5-Year (B08301) · Updated June 2026
Demographics
Population
25,359High confidence
U.S. Census ACS 5-Year · Updated June 2026
Median Age
36.7High confidence
U.S. Census ACS 5-Year · Updated June 2026
Age 65+
15.2%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Median Household Income
$53,085High confidence
U.S. Census ACS 5-Year · Updated June 2026
Community Profile
Owner-Occupied Housing
58.9%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Veterans
6.5%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Bachelor's Degree+
19.3%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Poverty Rate
19.0%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Diversity
White
81.6%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Black
4.4%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Hispanic/Latino
14.9%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Asian
2.0%High confidence
U.S. Census ACS 5-Year · Updated June 2026
10-Year Housing Stress Test (Estimate)
Estimate monthly homeowner carrying cost in Ottumwa using median home price and adjustable assumptions. Stress case applies +10% property tax, +20% insurance, +10% maintenance.
Estimated monthly carrying cost
$192
Stress-case monthly carrying cost
$216
Median home price used: $88,800
Median rent reference: $915 / month
Estimate includes property tax, insurance, maintenance reserve, and HOA. It excludes mortgage, utilities, and one-time transaction costs.