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Surprise, Arizona Retirement Guide
mild winterslow crime rate
48
Retirement Score
Surprise, Arizona at a Glance
- Median Home Price
- $455,200
- State Income Tax
- State income tax; Social Security fully exempt; limited pension exemption.
- Avg January Low
- 71°F
- Cost of Living Index
- 100 (US avg = 100)
- Best For
- mild winters, low crime rate
- RetireCityIQ Score
- 48 / 100
Things to Consider
- limited healthcare options
Retirement Data
Affordability
Cost of Living Index
100 (U.S. avg = 100)Medium confidence
BEA Regional Price Parities · Updated March 2026
Median Home Price
$455,200High confidence
U.S. Census ACS 1-Year · Updated April 2026
Median Monthly Rent
$2,064High confidence
U.S. Census ACS 1-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; limited pension exemption.Medium confidence
Tax Foundation · Updated March 2026
Retiree Readiness (Sprint 2)
Care Access Score (proxy)
16.2 / 100High confidence
RetireCityIQ proxy model · Updated April 2026
Aging-in-Place Score (proxy)
43.6 / 100High confidence
RetireCityIQ proxy model · Updated April 2026
Healthcare
Healthcare Access Score
16.2 / 100Medium confidence
CMS Hospital General Information · Updated March 2026
Climate
Avg July High
69.7°FMedium confidence
Open-Meteo Historical Weather (ERA5) · Updated March 2026
Avg January Low
71°FMedium confidence
Open-Meteo Historical Weather (ERA5) · Updated March 2026
Annual Precipitation
49"Medium confidence
Open-Meteo Historical Weather (ERA5) · Updated March 2026
Sunny Days / Year
354 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)
7.8 / 100Medium confidence
U.S. Census ACS 5-Year (B08301) · Updated March 2026
Transit Score (proxy)
0.5 / 100Medium confidence
U.S. Census ACS 5-Year (B08301) · Updated March 2026
Demographics
Population
145,591High confidence
U.S. Census ACS 5-Year · Updated April 2026
Median Age
41.5High confidence
U.S. Census ACS 5-Year · Updated April 2026
Age 65+
22.6%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Median Household Income
$87,756High confidence
U.S. Census ACS 5-Year · Updated April 2026
Community Profile
Owner-Occupied Housing
78.4%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Veterans
11.7%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Bachelor's Degree+
31.0%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Poverty Rate
6.8%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Diversity
White
76.9%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Black
5.4%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Hispanic/Latino
20.9%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Asian
2.5%High confidence
U.S. Census ACS 5-Year · Updated April 2026
10-Year Housing Stress Test (Estimate)
Estimate monthly homeowner carrying cost in Surprise using median home price and adjustable assumptions. Stress case applies +10% property tax, +20% insurance, +10% maintenance.
Estimated monthly carrying cost
$986
Stress-case monthly carrying cost
$1,108
Median home price used: $455,200
Median rent reference: $2,064 / month
Estimate includes property tax, insurance, maintenance reserve, and HOA. It excludes mortgage, utilities, and one-time transaction costs.