Photo by Desi Beckmann on Unsplash (https://unsplash.com/@lavina_star)
Wheat Ridge, Colorado Retirement Guide
established retirement community
38
Retirement Score
Wheat Ridge, Colorado at a Glance
- Median Home Price
- $538,300
- State Income Tax
- State income tax; Social Security partially exempt for seniors; limited pension deduction.
- Avg January Low
- 10.6°F
- Cost of Living Index
- 102.3 (US avg = 100)
- Best For
- established retirement community
- RetireCityIQ Score
- 38 / 100
Retirement Data
Affordability
Cost of Living Index
102.3 (U.S. avg = 100)High confidence
BEA Regional Price Parities · Updated May 2026
Median Home Price
$538,300High confidence
U.S. Census ACS 5-Year · Updated June 2026
Median Monthly Rent
$1,429High confidence
U.S. Census ACS 5-Year · Updated June 2026
Taxes
Retirement Tax Score
30 / 100High confidence
Tax Foundation · Updated June 2026
Tax Details
State income tax; Social Security partially exempt for seniors; limited pension deduction.High confidence
Tax Foundation · Updated June 2026
Retiree Readiness (Sprint 2)
Care Access Score (proxy)
36.5 / 100High confidence
RetireCityIQ proxy model · Updated June 2026
Aging-in-Place Score (proxy)
47 / 100High confidence
RetireCityIQ proxy model · Updated June 2026
Healthcare
Healthcare Access Score
36.5 / 100High confidence
CMS Hospital General Information · Updated June 2026
Climate
Avg July High
89.3°FHigh confidence
Open-Meteo Historical Weather (ERA5) · Updated June 2026
Avg January Low
10.6°FHigh confidence
Open-Meteo Historical Weather (ERA5) · Updated June 2026
Annual Precipitation
18"High confidence
Open-Meteo Historical Weather (ERA5) · Updated June 2026
Sunny Days / Year
326 daysHigh confidence
Open-Meteo Historical Weather (ERA5) · Updated June 2026
Safety
Safety Score
92.7 / 100High confidence
FBI Crime Data Explorer · Updated June 2026
Walkability
Walk Score (proxy)
18.2 / 100High confidence
U.S. Census ACS 5-Year (B08301) · Updated June 2026
Transit Score (proxy)
11.7 / 100High confidence
U.S. Census ACS 5-Year (B08301) · Updated June 2026
Demographics
Population
32,263High confidence
U.S. Census ACS 5-Year · Updated June 2026
Median Age
41.9High confidence
U.S. Census ACS 5-Year · Updated June 2026
Age 65+
20.1%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Median Household Income
$79,567High confidence
U.S. Census ACS 5-Year · Updated June 2026
Community Profile
Owner-Occupied Housing
52.3%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Veterans
7.4%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Bachelor's Degree+
41.9%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Poverty Rate
11.9%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Diversity
White
84.7%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Black
0.7%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Hispanic/Latino
20.5%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Asian
1.2%High confidence
U.S. Census ACS 5-Year · Updated June 2026
10-Year Housing Stress Test (Estimate)
Estimate monthly homeowner carrying cost in Wheat Ridge using median home price and adjustable assumptions. Stress case applies +10% property tax, +20% insurance, +10% maintenance.
Estimated monthly carrying cost
$1,166
Stress-case monthly carrying cost
$1,310
Median home price used: $538,300
Median rent reference: $1,429 / month
Estimate includes property tax, insurance, maintenance reserve, and HOA. It excludes mortgage, utilities, and one-time transaction costs.