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Waterbury, Connecticut Retirement Guide
established retirement community
45
Retirement Score
Waterbury, Connecticut at a Glance
- Median Home Price
- $208,700
- State Income Tax
- State income tax; Social Security and pension income have income-based exemptions/deductions.
- Avg January Low
- 23.3°F
- Cost of Living Index
- 106.4 (US avg = 100)
- Best For
- established retirement community
- RetireCityIQ Score
- 45 / 100
Retirement Data
Affordability
Cost of Living Index
106.4 (U.S. avg = 100)High confidence
BEA Regional Price Parities · Updated May 2026
Median Home Price
$208,700High confidence
U.S. Census ACS 1-Year · Updated June 2026
Median Monthly Rent
$1,142High confidence
U.S. Census ACS 1-Year · Updated June 2026
Taxes
Retirement Tax Score
30 / 100High confidence
Tax Foundation · Updated June 2026
Tax Details
State income tax; Social Security and pension income have income-based exemptions/deductions.High confidence
Tax Foundation · Updated June 2026
Retiree Readiness (Sprint 2)
Care Access Score (proxy)
20.6 / 100High confidence
RetireCityIQ proxy model · Updated June 2026
Aging-in-Place Score (proxy)
53.5 / 100High confidence
RetireCityIQ proxy model · Updated June 2026
Healthcare
Healthcare Access Score
20.6 / 100High confidence
CMS Hospital General Information · Updated June 2026
Climate
Avg July High
84.9°FHigh confidence
Open-Meteo Historical Weather (ERA5) · Updated June 2026
Avg January Low
23.3°FHigh confidence
Open-Meteo Historical Weather (ERA5) · Updated June 2026
Annual Precipitation
57.3"High confidence
Open-Meteo Historical Weather (ERA5) · Updated June 2026
Sunny Days / Year
276 daysHigh confidence
Open-Meteo Historical Weather (ERA5) · Updated June 2026
Safety
Safety Score
100 / 100High confidence
FBI Crime Data Explorer · Updated June 2026
Walkability
Walk Score (proxy)
25.7 / 100High confidence
U.S. Census ACS 5-Year (B08301) · Updated June 2026
Transit Score (proxy)
12.9 / 100High confidence
U.S. Census ACS 5-Year (B08301) · Updated June 2026
Demographics
Population
114,480High 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+
13.9%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Median Household Income
$51,451High confidence
U.S. Census ACS 5-Year · Updated June 2026
Community Profile
Owner-Occupied Housing
43.8%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Veterans
4.0%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Bachelor's Degree+
16.7%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Poverty Rate
21.9%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Diversity
White
44.9%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Black
28.0%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Hispanic/Latino
35.9%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Asian
2.9%High confidence
U.S. Census ACS 5-Year · Updated June 2026
10-Year Housing Stress Test (Estimate)
Estimate monthly homeowner carrying cost in Waterbury using median home price and adjustable assumptions. Stress case applies +10% property tax, +20% insurance, +10% maintenance.
Estimated monthly carrying cost
$452
Stress-case monthly carrying cost
$508
Median home price used: $208,700
Median rent reference: $1,142 / month
Estimate includes property tax, insurance, maintenance reserve, and HOA. It excludes mortgage, utilities, and one-time transaction costs.