Photo by Jonathan Gong on Unsplash (https://unsplash.com/@jonathangongphotography)
St. Simons, Georgia Retirement Guide
established retirement community
52
Retirement Score
St. Simons, Georgia at a Glance
- Median Home Price
- $445,500
- State Income Tax
- State income tax; Social Security fully exempt; retirement income exclusion up to $65k.
- Avg January Low
- 46.7°F
- Cost of Living Index
- 95.7 (US avg = 100)
- Best For
- established retirement community
- RetireCityIQ Score
- 52 / 100
Retirement Data
Affordability
Cost of Living Index
95.7 (U.S. avg = 100)Medium confidence
BEA Regional Price Parities · Updated March 2026
Median Home Price
$445,500High confidence
U.S. Census ACS 5-Year · Updated April 2026
Median Monthly Rent
$1,411High 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 fully exempt; retirement income exclusion up to $65k.Medium confidence
Tax Foundation · Updated March 2026
Retiree Readiness (Sprint 2)
Care Access Score (proxy)Data not available
Aging-in-Place Score (proxy)
45.8 / 100High confidence
RetireCityIQ proxy model · Updated April 2026
Healthcare
Healthcare Access ScoreData not available
Climate
Avg July High
89.8°FMedium confidence
Open-Meteo Historical Weather (ERA5) · Updated March 2026
Avg January Low
46.7°FMedium confidence
Open-Meteo Historical Weather (ERA5) · Updated March 2026
Annual Precipitation
47.9"Medium confidence
Open-Meteo Historical Weather (ERA5) · Updated March 2026
Sunny Days / Year
317 daysMedium confidence
Open-Meteo Historical Weather (ERA5) · Updated March 2026
Safety
Safety Score
97.1 / 100Medium confidence
FBI Crime Data Explorer · Updated March 2026
Walkability
Walk Score (proxy)
15.4 / 100Medium confidence
U.S. Census ACS 5-Year (B08301) · Updated March 2026
Transit Score (proxy)
0 / 100Medium confidence
U.S. Census ACS 5-Year (B08301) · Updated March 2026
Demographics
Population
15,983High confidence
U.S. Census ACS 5-Year · Updated April 2026
Median Age
57.4High confidence
U.S. Census ACS 5-Year · Updated April 2026
Age 65+
37.3%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Median Household Income
$99,432High confidence
U.S. Census ACS 5-Year · Updated April 2026
Community Profile
Owner-Occupied Housing
84.9%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Veterans
9.4%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Bachelor's Degree+
53.5%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Poverty Rate
4.6%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Diversity
White
94.3%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Black
1.6%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Hispanic/Latino
2.6%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Asian
0.3%High confidence
U.S. Census ACS 5-Year · Updated April 2026
10-Year Housing Stress Test (Estimate)
Estimate monthly homeowner carrying cost in St. Simons using median home price and adjustable assumptions. Stress case applies +10% property tax, +20% insurance, +10% maintenance.
Estimated monthly carrying cost
$965
Stress-case monthly carrying cost
$1,084
Median home price used: $445,500
Median rent reference: $1,411 / month
Estimate includes property tax, insurance, maintenance reserve, and HOA. It excludes mortgage, utilities, and one-time transaction costs.