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Derry, New Hampshire Retirement Guide
Retirement Score
Derry, New Hampshire at a Glance
- Median Home Price
- $328,200
- State Income Tax
- Taxes only interest/dividends (phasing out); wages, SS, and pension income exempt.
- Avg January Low
- 19°F
- Cost of Living Index
- 107.8 (US avg = 100)
- RetireCityIQ Score
- 58 / 100
Overview
Explore the key retirement factors for Derry, New Hampshire, including cost of living, taxes, healthcare quality, and climate data.
Cost of Living
Affordability Metrics
Derry's cost of living is 7.799999999999997% 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 Derry using median home price and adjustable assumptions. Stress case applies +10% property tax, +20% insurance, +10% maintenance.
Estimated monthly carrying cost
$711
Stress-case monthly carrying cost
$799
Median home price used: $328,200
Median rent reference: $1,382 / 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 Derry, New Hampshire 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. Derry scores 51.1 out of 100 for healthcare access.
Care planning link
Find local assisted living in Derry
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 Derry →Taxes
State Tax Climate
New Hampshire has a tax environment that is highly favorable for retirees.
Climate
Weather & Environment
With 270 sunny days a year and an average January low of 19°F, Derry offers a traditional winter climate.
Safety & Walkability
Community Safety
Walkability
Demographics
Population Profile
Diversity Breakdown
Frequently asked questions about retiring in Derry
What is the cost of living in Derry, New Hampshire for retirees?▾
The cost-of-living index is 108, roughly 8% above the national average of 100. Median home price is around $328,200.
Does New Hampshire tax Social Security or retirement income?▾
For New Hampshire residents: Taxes only interest/dividends (phasing out); wages, SS, and pension income exempt.
What is the climate like in Derry, New Hampshire?▾
Derry, New Hampshire has January average low around 19°F, July average high around 85°F. Climate normals are based on 30-year averages from NOAA's National Centers for Environmental Information.
What is healthcare access like in Derry, New Hampshire?▾
Derry scores 51/100 on the RetireCityIQ healthcare access index — a solid score. The index combines CMS hospital quality ratings, Medicare Advantage plan availability, and hospitals per 100,000 residents (KFF + CMS data).