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Springfield, Missouri Retirement Guide
low home priceslow crime rate
47
Retirement Score
Springfield, Missouri at a Glance
- Median Home Price
- $166,400
- State Income Tax
- State income tax; Social Security partially exempt based on income; limited pension deduction.
- Avg January Low
- 26.4°F
- Cost of Living Index
- 91 (US avg = 100)
- Best For
- low home prices, low crime rate
- RetireCityIQ Score
- 47 / 100
Things to Consider
- higher state tax burden
- limited healthcare options
Retirement Data
Affordability
Cost of Living Index
91 (U.S. avg = 100)Medium confidence
BEA Regional Price Parities · Updated March 2026
Median Home Price
$166,400High confidence
U.S. Census ACS 1-Year · Updated April 2026
Median Monthly Rent
$900High confidence
U.S. Census ACS 1-Year · Updated April 2026
Taxes
Retirement Tax Score
30 / 100Medium confidence
Tax Foundation · Updated March 2026
Tax Details
State income tax; Social Security partially exempt based on income; limited pension deduction.Medium confidence
Tax Foundation · Updated March 2026
Retiree Readiness (Sprint 2)
Care Access Score (proxy)
27.9 / 100High confidence
RetireCityIQ proxy model · Updated April 2026
Aging-in-Place Score (proxy)
38.8 / 100High confidence
RetireCityIQ proxy model · Updated April 2026
Healthcare
Healthcare Access Score
27.9 / 100Medium confidence
CMS Hospital General Information · Updated March 2026
Climate
Avg July High
92.1°FMedium confidence
Open-Meteo Historical Weather (ERA5) · Updated March 2026
Avg January Low
26.4°FMedium confidence
Open-Meteo Historical Weather (ERA5) · Updated March 2026
Annual Precipitation
40.3"Medium confidence
Open-Meteo Historical Weather (ERA5) · Updated March 2026
Sunny Days / Year
300 daysMedium confidence
Open-Meteo Historical Weather (ERA5) · Updated March 2026
Safety
Safety Score
70.1 / 100Medium confidence
FBI Crime Data Explorer · Updated March 2026
Walkability
Walk Score (proxy)
22.3 / 100Medium confidence
U.S. Census ACS 5-Year (B08301) · Updated March 2026
Transit Score (proxy)
4.6 / 100Medium confidence
U.S. Census ACS 5-Year (B08301) · Updated March 2026
Demographics
Population
168,873High confidence
U.S. Census ACS 5-Year · Updated April 2026
Median Age
33.3High confidence
U.S. Census ACS 5-Year · Updated April 2026
Age 65+
15.9%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Median Household Income
$43,450High confidence
U.S. Census ACS 5-Year · Updated April 2026
Community Profile
Owner-Occupied Housing
42.3%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Veterans
5.9%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Bachelor's Degree+
30.0%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Poverty Rate
20.3%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Diversity
White
86.4%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Black
4.3%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Hispanic/Latino
4.6%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Asian
1.9%High confidence
U.S. Census ACS 5-Year · Updated April 2026
10-Year Housing Stress Test (Estimate)
Estimate monthly homeowner carrying cost in Springfield using median home price and adjustable assumptions. Stress case applies +10% property tax, +20% insurance, +10% maintenance.
Estimated monthly carrying cost
$361
Stress-case monthly carrying cost
$405
Median home price used: $166,400
Median rent reference: $900 / month
Estimate includes property tax, insurance, maintenance reserve, and HOA. It excludes mortgage, utilities, and one-time transaction costs.