Photo by Sadie Coulter on Unsplash (https://unsplash.com/@sadiecoulter)
Princeton, New Jersey Retirement Guide
established retirement community
53
Retirement Score
Princeton, New Jersey at a Glance
- Median Home Price
- $971,200
- State Income Tax
- State income tax; Social Security fully exempt; pension exclusion up to $100k for qualifying seniors.
- Avg January Low
- 27°F
- Cost of Living Index
- 108.8 (US avg = 100)
- Best For
- established retirement community
- RetireCityIQ Score
- 53 / 100
Retirement Data
Affordability
Cost of Living Index
108.8 (U.S. avg = 100)Medium confidence
BEA Regional Price Parities · Updated March 2026
Median Home Price
$971,200High confidence
U.S. Census ACS 5-Year · Updated April 2026
Median Monthly Rent
$2,320High confidence
U.S. Census ACS 5-Year · Updated April 2026
Taxes
Retirement Tax Score
45 / 100Medium confidence
Tax Foundation · Updated March 2026
Tax Details
State income tax; Social Security fully exempt; pension exclusion up to $100k for qualifying seniors.Medium confidence
Tax Foundation · Updated March 2026
Retiree Readiness (Sprint 2)
Care Access Score (proxy)
78.4 / 100High confidence
RetireCityIQ proxy model · Updated April 2026
Aging-in-Place Score (proxy)
88.2 / 100High confidence
RetireCityIQ proxy model · Updated April 2026
Healthcare
Healthcare Access Score
78.4 / 100Medium confidence
CMS Provider of Services · Updated March 2026
Climate
Avg July High
87.7°FMedium confidence
Open-Meteo Historical Weather (ERA5) · Updated March 2026
Avg January Low
27°FMedium confidence
Open-Meteo Historical Weather (ERA5) · Updated March 2026
Annual Precipitation
41.3"Medium confidence
Open-Meteo Historical Weather (ERA5) · Updated March 2026
Sunny Days / Year
298 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)
100 / 100Medium confidence
U.S. Census ACS 5-Year (B08301) · Updated March 2026
Transit Score (proxy)
21.1 / 100Medium confidence
U.S. Census ACS 5-Year (B08301) · Updated March 2026
Demographics
Population
30,450High confidence
U.S. Census ACS 5-Year · Updated April 2026
Median Age
28.6High confidence
U.S. Census ACS 5-Year · Updated April 2026
Age 65+
13.1%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Median Household Income
$176,695High confidence
U.S. Census ACS 5-Year · Updated April 2026
Community Profile
Owner-Occupied Housing
58.6%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Veterans
1.4%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Bachelor's Degree+
85.4%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Poverty Rate
6.3%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Diversity
White
64.8%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Black
7.7%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Hispanic/Latino
6.2%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Asian
19.2%High confidence
U.S. Census ACS 5-Year · Updated April 2026
10-Year Housing Stress Test (Estimate)
Estimate monthly homeowner carrying cost in Princeton using median home price and adjustable assumptions. Stress case applies +10% property tax, +20% insurance, +10% maintenance.
Estimated monthly carrying cost
$2,104
Stress-case monthly carrying cost
$2,363
Median home price used: $971,200
Median rent reference: $2,320 / month
Estimate includes property tax, insurance, maintenance reserve, and HOA. It excludes mortgage, utilities, and one-time transaction costs.