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Westminster, Maryland Retirement Guide
established retirement community
55
Retirement Score
Westminster, Maryland at a Glance
- Median Home Price
- $292,900
- State Income Tax
- State income tax; Social Security exempt; pension exclusion available for qualifying retirees.
- Avg January Low
- 27.8°F
- Cost of Living Index
- 104.9 (US avg = 100)
- Best For
- established retirement community
- RetireCityIQ Score
- 55 / 100
Retirement Data
Affordability
Cost of Living Index
104.9 (U.S. avg = 100)High confidence
BEA Regional Price Parities · Updated May 2026
Median Home Price
$292,900High confidence
U.S. Census ACS 5-Year · Updated June 2026
Median Monthly Rent
$1,335High 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; pension exclusion available for qualifying retirees.High confidence
Tax Foundation · Updated June 2026
Retiree Readiness (Sprint 2)
Care Access Score (proxy)
58.5 / 100High confidence
RetireCityIQ proxy model · Updated June 2026
Aging-in-Place Score (proxy)
47.5 / 100High confidence
RetireCityIQ proxy model · Updated June 2026
Healthcare
Healthcare Access Score
58.5 / 100High confidence
CMS Hospital General Information · Updated June 2026
Climate
Avg July High
86.5°FHigh confidence
Open-Meteo Historical Weather (ERA5) · Updated June 2026
Avg January Low
27.8°FHigh confidence
Open-Meteo Historical Weather (ERA5) · Updated June 2026
Annual Precipitation
45.5"High confidence
Open-Meteo Historical Weather (ERA5) · Updated June 2026
Sunny Days / Year
283 daysHigh confidence
Open-Meteo Historical Weather (ERA5) · Updated June 2026
Safety
Safety Score
86.2 / 100High confidence
FBI Crime Data Explorer · Updated June 2026
Walkability
Walk Score (proxy)
28.4 / 100High confidence
U.S. Census ACS 5-Year (B08301) · Updated June 2026
Transit Score (proxy)
1.3 / 100High confidence
U.S. Census ACS 5-Year (B08301) · Updated June 2026
Demographics
Population
20,099High confidence
U.S. Census ACS 5-Year · Updated June 2026
Median Age
37.3High confidence
U.S. Census ACS 5-Year · Updated June 2026
Age 65+
18.3%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Median Household Income
$71,286High confidence
U.S. Census ACS 5-Year · Updated June 2026
Community Profile
Owner-Occupied Housing
53.8%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Veterans
5.8%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Bachelor's Degree+
35.8%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Poverty Rate
12.2%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Diversity
White
81.7%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Black
6.9%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Hispanic/Latino
6.2%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Asian
3.0%High confidence
U.S. Census ACS 5-Year · Updated June 2026
10-Year Housing Stress Test (Estimate)
Estimate monthly homeowner carrying cost in Westminster using median home price and adjustable assumptions. Stress case applies +10% property tax, +20% insurance, +10% maintenance.
Estimated monthly carrying cost
$635
Stress-case monthly carrying cost
$713
Median home price used: $292,900
Median rent reference: $1,335 / month
Estimate includes property tax, insurance, maintenance reserve, and HOA. It excludes mortgage, utilities, and one-time transaction costs.