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Coos Bay, Oregon Retirement Guide
Retirement Score
Coos Bay, Oregon at a Glance
- Median Home Price
- $247,000
- State Income Tax
- State income tax; Social Security fully exempt; some pension deduction.
- Avg January Low
- 39.6°F
- Cost of Living Index
- 106.6 (US avg = 100)
- Best For
- established retirement community
- RetireCityIQ Score
- 65 / 100
Overview
Explore the key retirement factors for Coos Bay, Oregon, including cost of living, taxes, healthcare quality, and climate data.
Cost of Living
Affordability Metrics
Coos Bay's cost of living is 6.599999999999994% above the national average. For a detailed breakdown of expenses, see our cost of living methodology.
Housing
Real Estate & Housing
10-Year Housing Stress Test (Estimate)
Estimate monthly homeowner carrying cost in Coos Bay using median home price and adjustable assumptions. Stress case applies +10% property tax, +20% insurance, +10% maintenance.
Estimated monthly carrying cost
$535
Stress-case monthly carrying cost
$601
Median home price used: $247,000
Median rent reference: $916 / month
Estimate includes property tax, insurance, maintenance reserve, and HOA. It excludes mortgage, utilities, and one-time transaction costs.
Budget validation
Calculate if your savings last in this city
Use RetireFree to test whether your portfolio can support retirement in Coos Bay, Oregon after local housing costs, taxes, healthcare, inflation, and withdrawal timing.
Open the RetireFree Calculator →Healthcare
Access & Quality
Quality of care and specialist availability are critical for a successful retirement. Coos Bay scores 73.8 out of 100 for healthcare access.
Care planning link
Find local assisted living in Coos Bay
If your city research includes aging parents, future care needs, or a move closer to family, compare local care options alongside housing and healthcare access.
Assisted living in Coos Bay →Taxes
State Tax Climate
Oregon has a tax environment that is moderate for retirees.
Climate
Weather & Environment
With 262 sunny days a year and an average January low of 39.6°F, Coos Bay offers a traditional winter climate.
Safety & Walkability
Community Safety
Walkability
Demographics
Population Profile
Diversity Breakdown
Frequently asked questions about retiring in Coos Bay
Is Coos Bay, Oregon a good place to retire?▾
Coos Bay, Oregon is one of the US retirement-friendly cities tracked by RetireCityIQ. Notable retirement-relevant traits include established retirement community. See the at-a-glance card on this page for the cost of living, state tax treatment, climate, and healthcare access metrics.
What is the cost of living in Coos Bay, Oregon for retirees?▾
The cost-of-living index is 107, roughly 7% above the national average of 100. Median home price is around $247,000.
Does Oregon tax Social Security or retirement income?▾
For Oregon residents: State income tax; Social Security fully exempt; some pension deduction.
What is the climate like in Coos Bay, Oregon?▾
Coos Bay, Oregon has January average low around 40°F, July average high around 66°F. Climate normals are based on 30-year averages from NOAA's National Centers for Environmental Information.
What is healthcare access like in Coos Bay, Oregon?▾
Coos Bay scores 74/100 on the RetireCityIQ healthcare access index — a strong score. The index combines CMS hospital quality ratings, Medicare Advantage plan availability, and hospitals per 100,000 residents (KFF + CMS data).
Local Professionals
Financial Advisors
HIGHROAD WEALTH ADVISORS, LLC
HIGHROAD WEALTH ADVISORS, LLC
HIGHROAD WEALTH ADVISORS, LLC
+16 more financial advisors available