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Winona, Minnesota Retirement Guide
established retirement community
55
Retirement Score
Winona, Minnesota at a Glance
- Median Home Price
- $176,600
- State Income Tax
- State income tax; Social Security and retirement income have income-based partial exemptions.
- Avg January Low
- 6.4°F
- Cost of Living Index
- 97.5 (US avg = 100)
- Best For
- established retirement community
- RetireCityIQ Score
- 55 / 100
Retirement Data
Affordability
Cost of Living Index
97.5 (U.S. avg = 100)High confidence
BEA Regional Price Parities · Updated May 2026
Median Home Price
$176,600High confidence
U.S. Census ACS 5-Year · Updated June 2026
Median Monthly Rent
$773High 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 and retirement income have income-based partial exemptions.High confidence
Tax Foundation · Updated June 2026
Retiree Readiness (Sprint 2)
Care Access Score (proxy)
45.1 / 100High confidence
RetireCityIQ proxy model · Updated June 2026
Aging-in-Place Score (proxy)
84.5 / 100High confidence
RetireCityIQ proxy model · Updated June 2026
Healthcare
Healthcare Access Score
45.1 / 100High confidence
CMS Hospital General Information · Updated June 2026
Climate
Avg July High
81.3°FHigh confidence
RetireCityIQ state median imputation after Open-Meteo coverage gaps · Updated May 2026
Avg January Low
6.4°FHigh confidence
RetireCityIQ state median imputation after Open-Meteo coverage gaps · Updated May 2026
Annual Precipitation
32"High confidence
RetireCityIQ state median imputation after Open-Meteo coverage gaps · Updated May 2026
Sunny Days / Year
258 daysHigh confidence
RetireCityIQ state median imputation after Open-Meteo coverage gaps · Updated May 2026
Safety
Safety Score
100 / 100High confidence
FBI Crime Data Explorer · Updated June 2026
Walkability
Walk Score (proxy)
96.7 / 100High confidence
U.S. Census ACS 5-Year (B08301) · Updated June 2026
Transit Score (proxy)
6.5 / 100High confidence
U.S. Census ACS 5-Year (B08301) · Updated June 2026
Demographics
Population
26,083High confidence
U.S. Census ACS 5-Year · Updated June 2026
Median Age
30.7High confidence
U.S. Census ACS 5-Year · Updated June 2026
Age 65+
18.4%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Median Household Income
$52,500High confidence
U.S. Census ACS 5-Year · Updated June 2026
Community Profile
Owner-Occupied Housing
57.8%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Veterans
5.5%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Bachelor's Degree+
34.1%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Poverty Rate
21.3%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Diversity
White
90.7%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Black
2.4%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Hispanic/Latino
3.9%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Asian
2.4%High confidence
U.S. Census ACS 5-Year · Updated June 2026
10-Year Housing Stress Test (Estimate)
Estimate monthly homeowner carrying cost in Winona using median home price and adjustable assumptions. Stress case applies +10% property tax, +20% insurance, +10% maintenance.
Estimated monthly carrying cost
$383
Stress-case monthly carrying cost
$430
Median home price used: $176,600
Median rent reference: $773 / month
Estimate includes property tax, insurance, maintenance reserve, and HOA. It excludes mortgage, utilities, and one-time transaction costs.