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State College, Pennsylvania Retirement Guide
established retirement community
53
Retirement Score
State College, Pennsylvania at a Glance
- Median Home Price
- $382,500
- State Income Tax
- State income tax; Social Security and most retirement income fully exempt.
- Avg January Low
- 21°F
- Cost of Living Index
- 96.3 (US avg = 100)
- Best For
- established retirement community
- RetireCityIQ Score
- 53 / 100
Retirement Data
Affordability
Cost of Living Index
96.3 (U.S. avg = 100)Medium confidence
BEA Regional Price Parities · Updated March 2026
Median Home Price
$382,500High confidence
U.S. Census ACS 5-Year · Updated April 2026
Median Monthly Rent
$1,181High confidence
U.S. Census ACS 5-Year · Updated April 2026
Taxes
Retirement Tax Score
60 / 100Medium confidence
Tax Foundation · Updated March 2026
Tax Details
State income tax; Social Security and most retirement income fully exempt.Medium confidence
Tax Foundation · Updated March 2026
Retiree Readiness (Sprint 2)
Care Access Score (proxy)
28.8 / 100High confidence
RetireCityIQ proxy model · Updated April 2026
Aging-in-Place Score (proxy)
89.7 / 100High confidence
RetireCityIQ proxy model · Updated April 2026
Healthcare
Healthcare Access Score
28.8 / 100Medium confidence
CMS Hospital General Information · Updated March 2026
Climate
Avg July High
84.9°FMedium confidence
Open-Meteo Historical Weather (ERA5) · Updated March 2026
Avg January Low
21°FMedium confidence
Open-Meteo Historical Weather (ERA5) · Updated March 2026
Annual Precipitation
38.5"Medium confidence
Open-Meteo Historical Weather (ERA5) · Updated March 2026
Sunny Days / Year
264 daysMedium confidence
Open-Meteo Historical Weather (ERA5) · Updated March 2026
Safety
Safety Score
100 / 100Medium confidence
FBI Crime Data Explorer · Updated March 2026
Walkability
Walk Score (proxy)
100 / 100Medium confidence
U.S. Census ACS 5-Year (B08301) · Updated March 2026
Transit Score (proxy)
31.5 / 100Medium confidence
U.S. Census ACS 5-Year (B08301) · Updated March 2026
Demographics
Population
40,902High confidence
U.S. Census ACS 5-Year · Updated April 2026
Median Age
21.4High confidence
U.S. Census ACS 5-Year · Updated April 2026
Age 65+
6.0%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Median Household Income
$43,459High confidence
U.S. Census ACS 5-Year · Updated April 2026
Community Profile
Owner-Occupied Housing
26.2%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Veterans
1.7%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Bachelor's Degree+
70.9%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Poverty Rate
42.1%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Diversity
White
83.2%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Black
3.2%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Hispanic/Latino
4.0%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Asian
10.1%High confidence
U.S. Census ACS 5-Year · Updated April 2026
10-Year Housing Stress Test (Estimate)
Estimate monthly homeowner carrying cost in State College using median home price and adjustable assumptions. Stress case applies +10% property tax, +20% insurance, +10% maintenance.
Estimated monthly carrying cost
$829
Stress-case monthly carrying cost
$931
Median home price used: $382,500
Median rent reference: $1,181 / month
Estimate includes property tax, insurance, maintenance reserve, and HOA. It excludes mortgage, utilities, and one-time transaction costs.