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Ottumwa, Iowa Retirement Guide
Retirement Score
Ottumwa, Iowa at a Glance
- Median Home Price
- $88,800
- State Income Tax
- State income tax; Social Security and retirement income exempt for those 55+.
- Avg January Low
- 15.4°F
- Cost of Living Index
- 88.4 (US avg = 100)
- RetireCityIQ Score
- 61 / 100
Overview
Explore the key retirement factors for Ottumwa, Iowa, including cost of living, taxes, healthcare quality, and climate data.
Cost of Living
Affordability Metrics
Ottumwa's cost of living is 11.599999999999994% below 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 Ottumwa using median home price and adjustable assumptions. Stress case applies +10% property tax, +20% insurance, +10% maintenance.
Estimated monthly carrying cost
$192
Stress-case monthly carrying cost
$216
Median home price used: $88,800
Median rent reference: $915 / 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 Ottumwa, Iowa 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. Ottumwa scores 46.4 out of 100 for healthcare access.
Care planning link
Find local assisted living in Ottumwa
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 Ottumwa →Taxes
State Tax Climate
Iowa has a tax environment that is moderate for retirees.
Climate
Weather & Environment
With 292 sunny days a year and an average January low of 15.4°F, Ottumwa offers a traditional winter climate.
Safety & Walkability
Community Safety
Walkability
Demographics
Population Profile
Diversity Breakdown
Frequently asked questions about retiring in Ottumwa
What is the cost of living in Ottumwa, Iowa for retirees?▾
The cost-of-living index is 88, roughly 12% below the national average of 100. Median home price is around $88,800.
Does Iowa tax Social Security or retirement income?▾
For Iowa residents: State income tax; Social Security and retirement income exempt for those 55+.
What is the climate like in Ottumwa, Iowa?▾
Ottumwa, Iowa has January average low around 15°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 Ottumwa, Iowa?▾
Ottumwa scores 46/100 on the RetireCityIQ healthcare access index — a adequate score. The index combines CMS hospital quality ratings, Medicare Advantage plan availability, and hospitals per 100,000 residents (KFF + CMS data).