Photo by MíJu ToH on Unsplash (https://unsplash.com/@mijutoh)
Smyrna, Delaware Retirement Guide
established retirement community
55
Retirement Score
Smyrna, Delaware at a Glance
- Median Home Price
- $246,400
- State Income Tax
- State income tax; Social Security exempt; retirement income exclusion available by age.
- Avg January Low
- N/A
- Cost of Living Index
- 98 (US avg = 100)
- Best For
- established retirement community
- RetireCityIQ Score
- 55 / 100
Retirement Data
Affordability
Cost of Living Index
98 (U.S. avg = 100)Medium confidence
BEA Regional Price Parities · Updated March 2026
Median Home Price
$246,400High confidence
U.S. Census ACS 5-Year · Updated April 2026
Median Monthly Rent
$1,396High 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 exempt; retirement income exclusion available by age.Medium confidence
Tax Foundation · Updated March 2026
Retiree Readiness (Sprint 2)
Care Access Score (proxy)Data not available
Aging-in-Place Score (proxy)
46.2 / 100High confidence
RetireCityIQ proxy model · Updated April 2026
Healthcare
Healthcare Access ScoreData not available
Climate
Avg July HighData not available
Avg January LowData not available
Annual PrecipitationData not available
Sunny Days / YearData not available
Safety
Safety Score
91.5 / 100Medium confidence
FBI Crime Data Explorer · Updated March 2026
Walkability
Walk Score (proxy)
20.7 / 100Medium confidence
U.S. Census ACS 5-Year (B08301) · Updated March 2026
Transit Score (proxy)
2 / 100Medium confidence
U.S. Census ACS 5-Year (B08301) · Updated March 2026
Demographics
Population
12,870High confidence
U.S. Census ACS 5-Year · Updated April 2026
Median Age
34.2High confidence
U.S. Census ACS 5-Year · Updated April 2026
Age 65+
13.2%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Median Household Income
$68,260High confidence
U.S. Census ACS 5-Year · Updated April 2026
Community Profile
Owner-Occupied Housing
68.1%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Veterans
8.9%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Bachelor's Degree+
21.3%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Poverty Rate
10.0%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Diversity
White
52.4%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Black
34.8%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Hispanic/Latino
7.4%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Asian
2.9%High confidence
U.S. Census ACS 5-Year · Updated April 2026
10-Year Housing Stress Test (Estimate)
Estimate monthly homeowner carrying cost in Smyrna using median home price and adjustable assumptions. Stress case applies +10% property tax, +20% insurance, +10% maintenance.
Estimated monthly carrying cost
$534
Stress-case monthly carrying cost
$600
Median home price used: $246,400
Median rent reference: $1,396 / month
Estimate includes property tax, insurance, maintenance reserve, and HOA. It excludes mortgage, utilities, and one-time transaction costs.