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Spartanburg, South Carolina Retirement Guide
established retirement community
60
Retirement Score
Spartanburg, South Carolina at a Glance
- Median Home Price
- $165,000
- State Income Tax
- State income tax; Social Security fully exempt; generous retirement income deduction.
- Avg January Low
- 35.8°F
- Cost of Living Index
- 93.3 (US avg = 100)
- Best For
- established retirement community
- RetireCityIQ Score
- 60 / 100
Retirement Data
Affordability
Cost of Living Index
93.3 (U.S. avg = 100)High confidence
BEA Regional Price Parities · Updated May 2026
Median Home Price
$165,000High confidence
U.S. Census ACS 5-Year · Updated June 2026
Median Monthly Rent
$983High 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 fully exempt; generous retirement income deduction.High confidence
Tax Foundation · Updated June 2026
Retiree Readiness (Sprint 2)
Care Access Score (proxy)
61.4 / 100High confidence
RetireCityIQ proxy model · Updated June 2026
Aging-in-Place Score (proxy)
43.1 / 100High confidence
RetireCityIQ proxy model · Updated June 2026
Healthcare
Healthcare Access Score
61.4 / 100High confidence
CMS Hospital General Information · Updated June 2026
Climate
Avg July High
90.8°FHigh confidence
Open-Meteo Historical Weather (ERA5) · Updated June 2026
Avg January Low
35.8°FHigh confidence
Open-Meteo Historical Weather (ERA5) · Updated June 2026
Annual Precipitation
45"High confidence
Open-Meteo Historical Weather (ERA5) · Updated June 2026
Sunny Days / Year
301 daysHigh confidence
Open-Meteo Historical Weather (ERA5) · Updated June 2026
Safety
Safety Score
78.1 / 100High confidence
FBI Crime Data Explorer · Updated June 2026
Walkability
Walk Score (proxy)
25.4 / 100High confidence
U.S. Census ACS 5-Year (B08301) · Updated June 2026
Transit Score (proxy)
2.6 / 100High confidence
U.S. Census ACS 5-Year (B08301) · Updated June 2026
Demographics
Population
38,301High confidence
U.S. Census ACS 5-Year · Updated June 2026
Median Age
35.5High confidence
U.S. Census ACS 5-Year · Updated June 2026
Age 65+
17.5%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Median Household Income
$49,140High confidence
U.S. Census ACS 5-Year · Updated June 2026
Community Profile
Owner-Occupied Housing
53.0%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Veterans
5.9%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Bachelor's Degree+
33.0%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Poverty Rate
25.7%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Diversity
White
47.2%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Black
45.0%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Hispanic/Latino
5.1%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Asian
2.1%High confidence
U.S. Census ACS 5-Year · Updated June 2026
10-Year Housing Stress Test (Estimate)
Estimate monthly homeowner carrying cost in Spartanburg using median home price and adjustable assumptions. Stress case applies +10% property tax, +20% insurance, +10% maintenance.
Estimated monthly carrying cost
$358
Stress-case monthly carrying cost
$402
Median home price used: $165,000
Median rent reference: $983 / month
Estimate includes property tax, insurance, maintenance reserve, and HOA. It excludes mortgage, utilities, and one-time transaction costs.
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