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Pelham, Alabama Retirement Guide
71
Retirement Score
Pelham, Alabama at a Glance
- Median Home Price
- $261,100
- State Income Tax
- State income tax; Social Security and defined-benefit pensions fully exempt.
- Avg January Low
- 37.4°F
- Cost of Living Index
- 88 (US avg = 100)
- Best For
- N/A
- RetireCityIQ Score
- 71 / 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
$261,100High confidence
U.S. Census ACS 5-Year · Updated June 2026
Median Monthly Rent
$1,376High 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)
35.5 / 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
90.6°FHigh confidence
Open-Meteo Historical Weather (ERA5) · Updated June 2026
Avg January Low
37.4°FHigh confidence
Open-Meteo Historical Weather (ERA5) · Updated June 2026
Annual Precipitation
51.6"High confidence
Open-Meteo Historical Weather (ERA5) · Updated June 2026
Sunny Days / Year
308 daysHigh confidence
Open-Meteo Historical Weather (ERA5) · Updated June 2026
Safety
Safety Score
88.5 / 100High confidence
FBI Crime Data Explorer · Updated June 2026
Walkability
Walk Score (proxy)
0.2 / 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
24,221High confidence
U.S. Census ACS 5-Year · Updated June 2026
Median Age
40.0High confidence
U.S. Census ACS 5-Year · Updated June 2026
Age 65+
17.6%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Median Household Income
$94,108High confidence
U.S. Census ACS 5-Year · Updated June 2026
Community Profile
Owner-Occupied Housing
84.1%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Veterans
8.6%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Bachelor's Degree+
47.8%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Poverty Rate
5.3%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Diversity
White
75.8%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Black
11.6%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Hispanic/Latino
11.2%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 Pelham using median home price and adjustable assumptions. Stress case applies +10% property tax, +20% insurance, +10% maintenance.
Estimated monthly carrying cost
$566
Stress-case monthly carrying cost
$635
Median home price used: $261,100
Median rent reference: $1,376 / month
Estimate includes property tax, insurance, maintenance reserve, and HOA. It excludes mortgage, utilities, and one-time transaction costs.