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Plano, Texas Retirement Guide
tax-friendly for retireesestablished retirement community
55
Retirement Score
Plano, Texas at a Glance
- Median Home Price
- $466,100
- State Income Tax
- No state income tax; Social Security and pension income fully exempt.
- Avg January Low
- 37.4°F
- Cost of Living Index
- 97.4 (US avg = 100)
- Best For
- tax-friendly for retirees, established retirement community
- RetireCityIQ Score
- 55 / 100
Retirement Data
Affordability
Cost of Living Index
97.4 (U.S. avg = 100)Medium confidence
BEA Regional Price Parities · Updated March 2026
Median Home Price
$466,100High confidence
U.S. Census ACS 1-Year · Updated April 2026
Median Monthly Rent
$1,719High confidence
U.S. Census ACS 1-Year · Updated April 2026
Taxes
Retirement Tax Score
100 / 100Medium confidence
Tax Foundation · Updated March 2026
Tax Details
No state income tax; Social Security and pension income fully exempt.Medium confidence
Tax Foundation · Updated March 2026
Retiree Readiness (Sprint 2)
Care Access Score (proxy)
28.9 / 100High confidence
RetireCityIQ proxy model · Updated April 2026
Aging-in-Place Score (proxy)
48.5 / 100High confidence
RetireCityIQ proxy model · Updated April 2026
Healthcare
Healthcare Access Score
28.9 / 100Medium confidence
CMS Hospital General Information · Updated March 2026
Climate
Avg July High
98.3°FMedium confidence
Open-Meteo Historical Weather (ERA5) · Updated March 2026
Avg January Low
37.4°FMedium confidence
Open-Meteo Historical Weather (ERA5) · Updated March 2026
Annual Precipitation
56.3"Medium confidence
Open-Meteo Historical Weather (ERA5) · Updated March 2026
Sunny Days / Year
306 daysMedium confidence
Open-Meteo Historical Weather (ERA5) · Updated March 2026
Safety
Safety Score
100 / 100Medium confidence
FBI Crime Data Explorer · Updated March 2026
Walkability
Walk Score (proxy)
18 / 100Medium confidence
U.S. Census ACS 5-Year (B08301) · Updated March 2026
Transit Score (proxy)
2.6 / 100Medium confidence
U.S. Census ACS 5-Year (B08301) · Updated March 2026
Demographics
Population
284,948High confidence
U.S. Census ACS 5-Year · Updated April 2026
Median Age
38.9High confidence
U.S. Census ACS 5-Year · Updated April 2026
Age 65+
13.7%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Median Household Income
$105,679High confidence
U.S. Census ACS 5-Year · Updated April 2026
Community Profile
Owner-Occupied Housing
56.7%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Veterans
4.6%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Bachelor's Degree+
58.4%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Poverty Rate
6.9%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Diversity
White
55.6%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Black
9.0%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Hispanic/Latino
15.6%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Asian
22.7%High confidence
U.S. Census ACS 5-Year · Updated April 2026
10-Year Housing Stress Test (Estimate)
Estimate monthly homeowner carrying cost in Plano using median home price and adjustable assumptions. Stress case applies +10% property tax, +20% insurance, +10% maintenance.
Estimated monthly carrying cost
$1,010
Stress-case monthly carrying cost
$1,134
Median home price used: $466,100
Median rent reference: $1,719 / month
Estimate includes property tax, insurance, maintenance reserve, and HOA. It excludes mortgage, utilities, and one-time transaction costs.