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St. Marys, Pennsylvania Retirement Guide
48
Retirement Score
St. Marys, Pennsylvania at a Glance
- Median Home Price
- $140,100
- State Income Tax
- State income tax; Social Security and most retirement income fully exempt.
- Avg January Low
- 24°F
- Cost of Living Index
- 96.3 (US avg = 100)
- Best For
- N/A
- RetireCityIQ Score
- 48 / 100
Retirement Data
Affordability
Cost of Living Index
96.3 (U.S. avg = 100)High confidence
BEA Regional Price Parities · Updated May 2026
Median Home Price
$140,100High confidence
U.S. Census ACS 5-Year · Updated June 2026
Median Monthly Rent
$725High confidence
U.S. Census ACS 5-Year · Updated June 2026
Taxes
Retirement Tax Score
60 / 100High confidence
Tax Foundation · Updated June 2026
Tax Details
State income tax; Social Security and most retirement income fully exempt.High confidence
Tax Foundation · Updated June 2026
Retiree Readiness (Sprint 2)
Care Access Score (proxy)
0 / 100High confidence
RetireCityIQ proxy model · Updated June 2026
Aging-in-Place Score (proxy)
47.1 / 100High confidence
RetireCityIQ proxy model · Updated June 2026
Healthcare
Healthcare Access Score
0 / 100High confidence
CMS Hospital General Information (no in-city hospital listed) · Updated June 2026
Climate
Avg July High
84.5°FHigh confidence
RetireCityIQ state median imputation after Open-Meteo coverage gaps · Updated May 2026
Avg January Low
24°FHigh confidence
RetireCityIQ state median imputation after Open-Meteo coverage gaps · Updated May 2026
Annual Precipitation
47.6"High confidence
RetireCityIQ state median imputation after Open-Meteo coverage gaps · Updated May 2026
Sunny Days / Year
267.5 daysHigh confidence
RetireCityIQ state median imputation after Open-Meteo coverage gaps · Updated May 2026
Safety
Safety Score
97.2 / 100High confidence
FBI Crime Data Explorer · Updated June 2026
Walkability
Walk Score (proxy)
17.8 / 100High confidence
U.S. Census ACS 5-Year (B08301) · Updated June 2026
Transit Score (proxy)
1.1 / 100High confidence
U.S. Census ACS 5-Year (B08301) · Updated June 2026
Demographics
Population
12,691High confidence
U.S. Census ACS 5-Year · Updated June 2026
Median Age
50.5High confidence
U.S. Census ACS 5-Year · Updated June 2026
Age 65+
25.9%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Median Household Income
$61,364High confidence
U.S. Census ACS 5-Year · Updated June 2026
Community Profile
Owner-Occupied Housing
76.1%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Veterans
6.9%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Bachelor's Degree+
19.6%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Poverty Rate
9.0%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Diversity
White
94.6%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Black
1.3%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Hispanic/Latino
1.4%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Asian
0.4%High confidence
U.S. Census ACS 5-Year · Updated June 2026
10-Year Housing Stress Test (Estimate)
Estimate monthly homeowner carrying cost in St. Marys using median home price and adjustable assumptions. Stress case applies +10% property tax, +20% insurance, +10% maintenance.
Estimated monthly carrying cost
$304
Stress-case monthly carrying cost
$341
Median home price used: $140,100
Median rent reference: $725 / month
Estimate includes property tax, insurance, maintenance reserve, and HOA. It excludes mortgage, utilities, and one-time transaction costs.