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Westfield, Massachusetts Retirement Guide
established retirement community
47
Retirement Score
Westfield, Massachusetts at a Glance
- Median Home Price
- $282,100
- State Income Tax
- State income tax; Social Security exempt; many public pensions exempt with partial rules for others.
- Avg January Low
- 22°F
- Cost of Living Index
- 109.4 (US avg = 100)
- Best For
- established retirement community
- RetireCityIQ Score
- 47 / 100
Retirement Data
Affordability
Cost of Living Index
109.4 (U.S. avg = 100)High confidence
BEA Regional Price Parities · Updated May 2026
Median Home Price
$282,100High confidence
U.S. Census ACS 5-Year · Updated June 2026
Median Monthly Rent
$1,050High 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; many public pensions exempt with partial rules for others.High confidence
Tax Foundation · Updated June 2026
Retiree Readiness (Sprint 2)
Care Access Score (proxy)
28.8 / 100High confidence
RetireCityIQ proxy model · Updated June 2026
Aging-in-Place Score (proxy)
49.9 / 100High confidence
RetireCityIQ proxy model · Updated June 2026
Healthcare
Healthcare Access Score
28.8 / 100High confidence
CMS Hospital General Information · Updated June 2026
Climate
Avg July High
85.7°FHigh confidence
Open-Meteo Historical Weather (ERA5) · Updated June 2026
Avg January Low
22°FHigh confidence
Open-Meteo Historical Weather (ERA5) · Updated June 2026
Annual Precipitation
58.2"High confidence
Open-Meteo Historical Weather (ERA5) · Updated June 2026
Sunny Days / Year
269 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)
20.2 / 100High confidence
U.S. Census ACS 5-Year (B08301) · Updated June 2026
Transit Score (proxy)
5.4 / 100High confidence
U.S. Census ACS 5-Year (B08301) · Updated June 2026
Demographics
Population
40,794High confidence
U.S. Census ACS 5-Year · Updated June 2026
Median Age
39.2High confidence
U.S. Census ACS 5-Year · Updated June 2026
Age 65+
18.1%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Median Household Income
$78,307High confidence
U.S. Census ACS 5-Year · Updated June 2026
Community Profile
Owner-Occupied Housing
66.4%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Veterans
6.4%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Bachelor's Degree+
32.6%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Poverty Rate
8.9%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Diversity
White
85.6%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Black
1.5%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Hispanic/Latino
10.4%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Asian
4.3%High confidence
U.S. Census ACS 5-Year · Updated June 2026
10-Year Housing Stress Test (Estimate)
Estimate monthly homeowner carrying cost in Westfield using median home price and adjustable assumptions. Stress case applies +10% property tax, +20% insurance, +10% maintenance.
Estimated monthly carrying cost
$611
Stress-case monthly carrying cost
$686
Median home price used: $282,100
Median rent reference: $1,050 / month
Estimate includes property tax, insurance, maintenance reserve, and HOA. It excludes mortgage, utilities, and one-time transaction costs.