Retiring in Missouri (2026)
Missouri ranks #14 of 51 nationally for retirement friendliness (82/100 vs national avg 73/100). Housing costs are #10 of 51 cheapest, and cost of living overall is significantly below the US average.
Reasons to Retire Here
- ✓Property tax freeze age 62+
- ✓Low cost of living
- ✓Good healthcare in cities
Trade-Offs to Know
- •Some pension income taxed
- •Weather extremes
- •Rural healthcare gaps
Climate for Older Adults
Missouri's climate is mild and humid, with distinct four-season weather. Winters are cool but generally manageable; summers are humid.
Total Financial Picture
The key financial factors for a Missouri retirement:
- • Housing: Median home value $220,000. That's about $138k cheaper than the national median.
- • Cost of living index: 88 vs 100 US baseline — everyday goods like groceries, gas, and services run significantly below the US average.
- • Tax friendliness: 82/100 — Social Security is exempt; pensions are partially exempt. See the full Missouri tax guide.
- • Healthcare access: 72/100 — good in metro areas, thinner in rural regions.
- • Safety: 55/100 — average safety statewide with meaningful city-to-city variation.
Missouri sits in the top tier for retirement — a strong overall pick, especially if the climate and lifestyle match what you want.
Safety & Crime
Average safety statewide with significant city-to-city variation. Research specific towns before choosing.
Common Questions — Retiring in Missouri
Is Missouri a tax-friendly state for retirees?
Missouri scores 82/100 on our tax friendliness scale. Social Security is exempt, but other retirement income is taxed. Property tax relief for seniors varies. See the full state tax breakdown.
What's the median home price in Missouri?
About $220,000 statewide, though costs vary significantly by city. Popular retirement communities and coastal areas tend to run above the state median; rural areas run below.
Is healthcare access good in Missouri?
Healthcare access scores 72/100. Good in urban and suburban areas; rural regions have fewer specialists. Consider proximity to a major medical center if you have chronic conditions.
Are there active senior communities in Missouri?
Yes — Missouri has well-established retirement communities and 55+ neighborhoods. This is a common destination for out-of-state retirees.
Do I need to worry about hurricanes / wildfires / weather in Missouri?
Relatively benign weather. Occasional tropical storm impact for coastal areas and severe thunderstorms inland.
Similar Midwest States to Consider
Other Midwest states ranked by retirement friendliness:
Free Missouri Senior Resources
Also for Missouri Retirees
Data reflects 2026 estimates from Census, MERIC, and other public sources. See our methodology for scoring details.