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Wilmington, North Carolina Retirement Guide
mild winterslow crime rate
47
Retirement Score
Wilmington, North Carolina at a Glance
- Median Home Price
- $370,700
- State Income Tax
- State income tax; Social Security fully exempt; limited pension exclusion.
- Avg January Low
- 40°F
- Cost of Living Index
- 94 (US avg = 100)
- Best For
- mild winters, low crime rate
- RetireCityIQ Score
- 47 / 100
Things to Consider
- limited healthcare options
- high annual rainfall
Retirement Data
Affordability
Cost of Living Index
94 (U.S. avg = 100)Medium confidence
BEA Regional Price Parities · Updated March 2026
Median Home Price
$370,700High confidence
U.S. Census ACS 1-Year · Updated April 2026
Median Monthly Rent
$1,298High 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 fully exempt; limited pension exclusion.Medium confidence
Tax Foundation · Updated March 2026
Retiree Readiness (Sprint 2)
Care Access Score (proxy)
20.1 / 100High confidence
RetireCityIQ proxy model · Updated April 2026
Aging-in-Place Score (proxy)
49.9 / 100High confidence
RetireCityIQ proxy model · Updated April 2026
Healthcare
Healthcare Access Score
20.1 / 100Medium confidence
CMS Hospital General Information · Updated March 2026
Climate
Avg July High
86.6°FMedium confidence
Open-Meteo Historical Weather (ERA5) · Updated March 2026
Avg January Low
40°FMedium confidence
Open-Meteo Historical Weather (ERA5) · Updated March 2026
Annual Precipitation
57.9"Medium confidence
Open-Meteo Historical Weather (ERA5) · Updated March 2026
Sunny Days / Year
310 daysMedium confidence
Open-Meteo Historical Weather (ERA5) · Updated March 2026
Safety
Safety Score
98.5 / 100Medium confidence
FBI Crime Data Explorer · Updated March 2026
Walkability
Walk Score (proxy)
22.7 / 100Medium confidence
U.S. Census ACS 5-Year (B08301) · Updated March 2026
Transit Score (proxy)
1.6 / 100Medium confidence
U.S. Census ACS 5-Year (B08301) · Updated March 2026
Demographics
Population
116,933High confidence
U.S. Census ACS 5-Year · Updated April 2026
Median Age
37.6High confidence
U.S. Census ACS 5-Year · Updated April 2026
Age 65+
17.7%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Median Household Income
$58,908High confidence
U.S. Census ACS 5-Year · Updated April 2026
Community Profile
Owner-Occupied Housing
45.9%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Veterans
6.2%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Bachelor's Degree+
43.6%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Poverty Rate
17.8%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Diversity
White
74.4%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Black
16.2%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Hispanic/Latino
7.0%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
$803
Stress-case monthly carrying cost
$902
Median home price used: $370,700
Median rent reference: $1,298 / month
Estimate includes property tax, insurance, maintenance reserve, and HOA. It excludes mortgage, utilities, and one-time transaction costs.