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Vernon, Texas Retirement Guide
tax-friendly for retireesestablished retirement community
80
Retirement Score
Vernon, Texas at a Glance
- Median Home Price
- $79,900
- State Income Tax
- No state income tax; Social Security and pension income fully exempt.
- Avg January Low
- 33.3°F
- Cost of Living Index
- 97.4 (US avg = 100)
- Best For
- tax-friendly for retirees, established retirement community
- RetireCityIQ Score
- 80 / 100
Retirement Data
Affordability
Cost of Living Index
97.4 (U.S. avg = 100)High confidence
BEA Regional Price Parities · Updated May 2026
Median Home Price
$79,900High confidence
U.S. Census ACS 5-Year · Updated June 2026
Median Monthly Rent
$808High confidence
U.S. Census ACS 5-Year · Updated June 2026
Taxes
Retirement Tax Score
100 / 100High confidence
Tax Foundation · Updated June 2026
Tax Details
No state income tax; Social Security and pension income fully exempt.High confidence
Tax Foundation · Updated June 2026
Retiree Readiness (Sprint 2)
Care Access Score (proxy)
100 / 100High confidence
RetireCityIQ proxy model · Updated June 2026
Aging-in-Place Score (proxy)
40.8 / 100High confidence
RetireCityIQ proxy model · Updated June 2026
Healthcare
Healthcare Access Score
100 / 100High confidence
CMS Hospital General Information · Updated June 2026
Climate
Avg July High
101.6°FHigh confidence
Open-Meteo Historical Weather (ERA5) · Updated June 2026
Avg January Low
33.3°FHigh confidence
Open-Meteo Historical Weather (ERA5) · Updated June 2026
Annual Precipitation
21.3"High confidence
Open-Meteo Historical Weather (ERA5) · Updated June 2026
Sunny Days / Year
324 daysHigh confidence
Open-Meteo Historical Weather (ERA5) · Updated June 2026
Safety
Safety Score
89.5 / 100High confidence
FBI Crime Data Explorer · Updated June 2026
Walkability
Walk Score (proxy)
11.1 / 100High confidence
U.S. Census ACS 5-Year (B08301) · Updated June 2026
Transit Score (proxy)
0 / 100High confidence
U.S. Census ACS 5-Year (B08301) · Updated June 2026
Demographics
Population
10,018High confidence
U.S. Census ACS 5-Year · Updated June 2026
Median Age
36.7High confidence
U.S. Census ACS 5-Year · Updated June 2026
Age 65+
17.5%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Median Household Income
$47,528High confidence
U.S. Census ACS 5-Year · Updated June 2026
Community Profile
Owner-Occupied Housing
56.3%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Veterans
8.1%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Bachelor's Degree+
14.5%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Poverty Rate
17.4%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Diversity
White
64.2%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Black
7.9%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Hispanic/Latino
34.1%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Asian
4.2%High confidence
U.S. Census ACS 5-Year · Updated June 2026
10-Year Housing Stress Test (Estimate)
Estimate monthly homeowner carrying cost in Vernon using median home price and adjustable assumptions. Stress case applies +10% property tax, +20% insurance, +10% maintenance.
Estimated monthly carrying cost
$173
Stress-case monthly carrying cost
$194
Median home price used: $79,900
Median rent reference: $808 / month
Estimate includes property tax, insurance, maintenance reserve, and HOA. It excludes mortgage, utilities, and one-time transaction costs.