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Saugus, Massachusetts Retirement Guide
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Retirement Score
Saugus, Massachusetts at a Glance
- Median Home Price
- $543,300
- State Income Tax
- State income tax; Social Security exempt; many public pensions exempt with partial rules for others.
- Avg January Low
- 24.6°F
- Cost of Living Index
- 109.4 (US avg = 100)
- Best For
- N/A
- RetireCityIQ Score
- 59 / 100
Retirement Data
Affordability
Cost of Living Index
109.4 (U.S. avg = 100)High confidence
BEA Regional Price Parities · Updated May 2026
Median Home Price
$543,300High confidence
U.S. Census ACS 5-Year · Updated June 2026
Median Monthly Rent
$1,717High confidence
U.S. Census ACS 5-Year · Updated June 2026
Taxes
Retirement Tax Score
45 / 100High confidence
Tax Foundation · Updated June 2026
Tax Details
State income tax; Social Security exempt; many public pensions exempt with partial rules for others.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)
51 / 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
81.5°FHigh confidence
Open-Meteo Historical Weather (ERA5) · Updated June 2026
Avg January Low
24.6°FHigh confidence
Open-Meteo Historical Weather (ERA5) · Updated June 2026
Annual Precipitation
49.4"High confidence
Open-Meteo Historical Weather (ERA5) · Updated June 2026
Sunny Days / Year
274 daysHigh confidence
Open-Meteo Historical Weather (ERA5) · Updated June 2026
Safety
Safety Score
100 / 100High confidence
FBI Crime Data Explorer · Updated June 2026
Walkability
Walk Score (proxy)
20 / 100High confidence
U.S. Census ACS 5-Year (B08301) · Updated June 2026
Transit Score (proxy)
13.6 / 100High confidence
U.S. Census ACS 5-Year (B08301) · Updated June 2026
Demographics
Population
28,566High confidence
U.S. Census ACS 5-Year · Updated June 2026
Median Age
44.4High confidence
U.S. Census ACS 5-Year · Updated June 2026
Age 65+
21.4%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Median Household Income
$96,064High confidence
U.S. Census ACS 5-Year · Updated June 2026
Community Profile
Owner-Occupied Housing
74.4%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Veterans
4.5%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Bachelor's Degree+
29.8%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Poverty Rate
8.8%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Diversity
White
81.9%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Black
3.3%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Hispanic/Latino
10.6%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Asian
3.0%High confidence
U.S. Census ACS 5-Year · Updated June 2026
10-Year Housing Stress Test (Estimate)
Estimate monthly homeowner carrying cost in Saugus using median home price and adjustable assumptions. Stress case applies +10% property tax, +20% insurance, +10% maintenance.
Estimated monthly carrying cost
$1,177
Stress-case monthly carrying cost
$1,322
Median home price used: $543,300
Median rent reference: $1,717 / month
Estimate includes property tax, insurance, maintenance reserve, and HOA. It excludes mortgage, utilities, and one-time transaction costs.