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Wilmington, Delaware Retirement Guide
walkable neighborhoodsestablished retirement community
56
Retirement Score
Wilmington, Delaware at a Glance
- Median Home Price
- $217,300
- State Income Tax
- State income tax; Social Security exempt; retirement income exclusion available by age.
- Avg January Low
- 29°F
- Cost of Living Index
- 98 (US avg = 100)
- Best For
- walkable neighborhoods, established retirement community
- RetireCityIQ Score
- 56 / 100
Retirement Data
Affordability
Cost of Living Index
98 (U.S. avg = 100)Medium confidence
BEA Regional Price Parities · Updated March 2026
Median Home Price
$217,300High confidence
U.S. Census ACS 1-Year · Updated April 2026
Median Monthly Rent
$1,166High confidence
U.S. Census ACS 1-Year · Updated April 2026
Taxes
Retirement Tax Score
45 / 100Medium confidence
Tax Foundation · Updated March 2026
Tax Details
State income tax; Social Security exempt; retirement income exclusion available by age.Medium confidence
Tax Foundation · Updated March 2026
Retiree Readiness (Sprint 2)
Care Access Score (proxy)
49.7 / 100High confidence
RetireCityIQ proxy model · Updated April 2026
Aging-in-Place Score (proxy)
52.5 / 100High confidence
RetireCityIQ proxy model · Updated April 2026
Healthcare
Healthcare Access Score
49.7 / 100Medium confidence
CMS Hospital General Information · Updated March 2026
Climate
Avg July High
87.2°FMedium confidence
Open-Meteo Historical Weather (ERA5) · Updated March 2026
Avg January Low
29°FMedium confidence
Open-Meteo Historical Weather (ERA5) · Updated March 2026
Annual Precipitation
53.1"Medium confidence
Open-Meteo Historical Weather (ERA5) · Updated March 2026
Sunny Days / Year
287 daysMedium confidence
Open-Meteo Historical Weather (ERA5) · Updated March 2026
Safety
Safety Score
52.4 / 100Medium confidence
FBI Crime Data Explorer · Updated March 2026
Walkability
Walk Score (proxy)
60.8 / 100Medium confidence
U.S. Census ACS 5-Year (B08301) · Updated March 2026
Transit Score (proxy)
27.9 / 100Medium confidence
U.S. Census ACS 5-Year (B08301) · Updated March 2026
Demographics
Population
71,034High confidence
U.S. Census ACS 5-Year · Updated April 2026
Median Age
36.9High confidence
U.S. Census ACS 5-Year · Updated April 2026
Age 65+
14.5%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Median Household Income
$54,731High confidence
U.S. Census ACS 5-Year · Updated April 2026
Community Profile
Owner-Occupied Housing
45.1%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Veterans
5.4%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Bachelor's Degree+
32.2%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Poverty Rate
24.3%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Diversity
White
34.3%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Black
53.7%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Hispanic/Latino
11.3%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Asian
1.3%High confidence
U.S. Census ACS 5-Year · Updated April 2026
10-Year Housing Stress Test (Estimate)
Estimate monthly homeowner carrying cost in Wilmington using median home price and adjustable assumptions. Stress case applies +10% property tax, +20% insurance, +10% maintenance.
Estimated monthly carrying cost
$471
Stress-case monthly carrying cost
$529
Median home price used: $217,300
Median rent reference: $1,166 / month
Estimate includes property tax, insurance, maintenance reserve, and HOA. It excludes mortgage, utilities, and one-time transaction costs.