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Sterling, Colorado Retirement Guide
established retirement community
61
Retirement Score
Sterling, Colorado at a Glance
- Median Home Price
- $183,000
- State Income Tax
- State income tax; Social Security partially exempt for seniors; limited pension deduction.
- Avg January Low
- 17°F
- Cost of Living Index
- 102.3 (US avg = 100)
- Best For
- established retirement community
- RetireCityIQ Score
- 61 / 100
Retirement Data
Affordability
Cost of Living Index
102.3 (U.S. avg = 100)High confidence
BEA Regional Price Parities · Updated May 2026
Median Home Price
$183,000High confidence
U.S. Census ACS 5-Year · Updated June 2026
Median Monthly Rent
$838High confidence
U.S. Census ACS 5-Year · Updated June 2026
Taxes
Retirement Tax Score
30 / 100High confidence
Tax Foundation · Updated June 2026
Tax Details
State income tax; Social Security partially exempt for seniors; limited pension deduction.High confidence
Tax Foundation · Updated June 2026
Retiree Readiness (Sprint 2)
Care Access Score (proxy)
87.4 / 100High confidence
RetireCityIQ proxy model · Updated June 2026
Aging-in-Place Score (proxy)
50.3 / 100High confidence
RetireCityIQ proxy model · Updated June 2026
Healthcare
Healthcare Access Score
87.4 / 100High confidence
CMS Hospital General Information · Updated June 2026
Climate
Avg July High
88.6°FHigh confidence
Open-Meteo Historical Weather (ERA5) · Updated June 2026
Avg January Low
17°FHigh confidence
Open-Meteo Historical Weather (ERA5) · Updated June 2026
Annual Precipitation
16.1"High confidence
Open-Meteo Historical Weather (ERA5) · Updated June 2026
Sunny Days / Year
322 daysHigh confidence
Open-Meteo Historical Weather (ERA5) · Updated June 2026
Safety
Safety Score
92.7 / 100High confidence
FBI Crime Data Explorer · Updated June 2026
Walkability
Walk Score (proxy)
25.8 / 100High confidence
U.S. Census ACS 5-Year (B08301) · Updated June 2026
Transit Score (proxy)
10.9 / 100High confidence
U.S. Census ACS 5-Year (B08301) · Updated June 2026
Demographics
Population
13,466High confidence
U.S. Census ACS 5-Year · Updated June 2026
Median Age
37.7High confidence
U.S. Census ACS 5-Year · Updated June 2026
Age 65+
19.3%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Median Household Income
$44,556High confidence
U.S. Census ACS 5-Year · Updated June 2026
Community Profile
Owner-Occupied Housing
63.9%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Veterans
11.4%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Bachelor's Degree+
15.6%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Poverty Rate
13.1%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Diversity
White
77.9%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Black
1.6%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Hispanic/Latino
19.7%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Asian
0.5%High confidence
U.S. Census ACS 5-Year · Updated June 2026
10-Year Housing Stress Test (Estimate)
Estimate monthly homeowner carrying cost in Sterling using median home price and adjustable assumptions. Stress case applies +10% property tax, +20% insurance, +10% maintenance.
Estimated monthly carrying cost
$397
Stress-case monthly carrying cost
$445
Median home price used: $183,000
Median rent reference: $838 / month
Estimate includes property tax, insurance, maintenance reserve, and HOA. It excludes mortgage, utilities, and one-time transaction costs.