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Valparaiso, Indiana Retirement Guide
established retirement community
62
Retirement Score
Valparaiso, Indiana at a Glance
- Median Home Price
- $229,900
- State Income Tax
- State income tax; Social Security exempt; some retirement income deductions available.
- Avg January Low
- 19.3°F
- Cost of Living Index
- 91.9 (US avg = 100)
- Best For
- established retirement community
- RetireCityIQ Score
- 62 / 100
Retirement Data
Affordability
Cost of Living Index
91.9 (U.S. avg = 100)High confidence
BEA Regional Price Parities · Updated May 2026
Median Home Price
$229,900High confidence
U.S. Census ACS 5-Year · Updated June 2026
Median Monthly Rent
$1,082High confidence
U.S. Census ACS 5-Year · Updated June 2026
Taxes
Retirement Tax Score
45 / 100High confidence
Tax Foundation · Updated June 2026
Tax Details
State income tax; Social Security exempt; some retirement income deductions available.High confidence
Tax Foundation · Updated June 2026
Retiree Readiness (Sprint 2)
Care Access Score (proxy)
69.2 / 100High confidence
RetireCityIQ proxy model · Updated June 2026
Aging-in-Place Score (proxy)
54.7 / 100High confidence
RetireCityIQ proxy model · Updated June 2026
Healthcare
Healthcare Access Score
69.2 / 100High confidence
CMS Hospital General Information · Updated June 2026
Climate
Avg July High
82.9°FHigh confidence
Open-Meteo Historical Weather (ERA5) · Updated June 2026
Avg January Low
19.3°FHigh confidence
Open-Meteo Historical Weather (ERA5) · Updated June 2026
Annual Precipitation
44.3"High confidence
Open-Meteo Historical Weather (ERA5) · Updated June 2026
Sunny Days / Year
266 daysHigh confidence
Open-Meteo Historical Weather (ERA5) · Updated June 2026
Safety
Safety Score
98.2 / 100High confidence
FBI Crime Data Explorer · Updated June 2026
Walkability
Walk Score (proxy)
33.5 / 100High confidence
U.S. Census ACS 5-Year (B08301) · Updated June 2026
Transit Score (proxy)
2.6 / 100High confidence
U.S. Census ACS 5-Year (B08301) · Updated June 2026
Demographics
Population
33,991High confidence
U.S. Census ACS 5-Year · Updated June 2026
Median Age
36.8High confidence
U.S. Census ACS 5-Year · Updated June 2026
Age 65+
17.6%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Median Household Income
$59,943High confidence
U.S. Census ACS 5-Year · Updated June 2026
Community Profile
Owner-Occupied Housing
55.7%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Veterans
5.3%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Bachelor's Degree+
41.8%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Poverty Rate
14.9%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Diversity
White
84.4%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Black
4.9%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Hispanic/Latino
8.8%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Asian
3.4%High confidence
U.S. Census ACS 5-Year · Updated June 2026
10-Year Housing Stress Test (Estimate)
Estimate monthly homeowner carrying cost in Valparaiso using median home price and adjustable assumptions. Stress case applies +10% property tax, +20% insurance, +10% maintenance.
Estimated monthly carrying cost
$498
Stress-case monthly carrying cost
$559
Median home price used: $229,900
Median rent reference: $1,082 / month
Estimate includes property tax, insurance, maintenance reserve, and HOA. It excludes mortgage, utilities, and one-time transaction costs.
Local Professionals
Financial Advisors
LAUER WEALTH MANAGEMENT
LAUER WEALTH, LLC
KOTYS WEALTH PROFESSIONALS
TKG ADVISORS, LLC