Phoenix, Arizona Retirement Guide
established retirement community
39
Retirement Score
Phoenix, Arizona at a Glance
- Median Home Price
- $429,200
- State Income Tax
- State income tax; Social Security fully exempt; limited pension exemption.
- Avg January Low
- 41.5°F
- Cost of Living Index
- 100 (US avg = 100)
- Best For
- established retirement community
- RetireCityIQ Score
- 39 / 100
Retirement Data
Affordability
Cost of Living Index
100 (U.S. avg = 100)High confidence
BEA Regional Price Parities · Updated August 2026
Median Home Price
$429,200High confidence
U.S. Census ACS 5-Year · Updated August 2026
Median Monthly Rent
$1,486High confidence
U.S. Census ACS 5-Year · Updated August 2026
Taxes
Retirement Tax Score
45 / 100High confidence
Tax Foundation · Updated August 2026
Tax Details
State income tax; Social Security fully exempt; limited pension exemption.High confidence
Tax Foundation · Updated August 2026
Retiree Readiness (Sprint 2)
Care Access Score (proxy)
16.1 / 100High confidence
RetireCityIQ proxy model · Updated August 2026
Aging-in-Place Score (proxy)
43.6 / 100High confidence
RetireCityIQ proxy model · Updated August 2026
Healthcare
Healthcare Access Score
16.1 / 100High confidence
CMS Hospital General Information · Updated August 2026
Climate
Avg July High
108.3°FHigh confidence
Open-Meteo Historical Weather (ERA5) · Updated August 2026
Avg January Low
41.5°FHigh confidence
Open-Meteo Historical Weather (ERA5) · Updated August 2026
Annual Precipitation
13.2"High confidence
Open-Meteo Historical Weather (ERA5) · Updated August 2026
Sunny Days / Year
352 daysHigh confidence
Open-Meteo Historical Weather (ERA5) · Updated August 2026
Safety
Safety Score
89.1 / 100High confidence
FBI Crime Data Explorer · Updated August 2026
Walkability
Walk Score (proxy)
15.2 / 100High confidence
U.S. Census ACS 5-Year (B08301) · Updated August 2026
Transit Score (proxy)
7.3 / 100High confidence
U.S. Census ACS 5-Year (B08301) · Updated August 2026
Demographics
Population
1,609,456High confidence
U.S. Census ACS 5-Year · Updated August 2026
Median Age
34.4High confidence
U.S. Census ACS 5-Year · Updated August 2026
Age 65+
11.5%High confidence
U.S. Census ACS 5-Year · Updated August 2026
Median Household Income
$72,092High confidence
U.S. Census ACS 5-Year · Updated August 2026
Community Profile
Owner-Occupied Housing
56.4%High confidence
U.S. Census ACS 5-Year · Updated August 2026
Veterans
5.5%High confidence
U.S. Census ACS 5-Year · Updated August 2026
Bachelor's Degree+
31.2%High confidence
U.S. Census ACS 5-Year · Updated August 2026
Poverty Rate
14.6%High confidence
U.S. Census ACS 5-Year · Updated August 2026
Diversity
White
59.4%High confidence
U.S. Census ACS 5-Year · Updated August 2026
Black
7.4%High confidence
U.S. Census ACS 5-Year · Updated August 2026
Hispanic/Latino
42.9%High confidence
U.S. Census ACS 5-Year · Updated August 2026
Asian
3.7%High confidence
U.S. Census ACS 5-Year · Updated August 2026
10-Year Housing Stress Test (Estimate)
Estimate monthly homeowner carrying cost in Phoenix using median home price and adjustable assumptions. Stress case applies +10% property tax, +20% insurance, +10% maintenance.
Estimated monthly carrying cost
$930
Stress-case monthly carrying cost
$1,044
Median home price used: $429,200
Median rent reference: $1,486 / month
Estimate includes property tax, insurance, maintenance reserve, and HOA. It excludes mortgage, utilities, and one-time transaction costs.