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Port Townsend, Washington Retirement Guide
Retirement Score
Port Townsend, Washington at a Glance
- Median Home Price
- $448,400
- State Income Tax
- No state income tax; Social Security and pension income fully exempt.
- Avg January Low
- 34.6°F
- Cost of Living Index
- 110 (US avg = 100)
- RetireCityIQ Score
- 75 / 100
Overview
Explore the key retirement factors for Port Townsend, Washington, including cost of living, taxes, healthcare quality, and climate data.
Cost of Living
Affordability Metrics
Port Townsend's cost of living is 10% 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 Port Townsend using median home price and adjustable assumptions. Stress case applies +10% property tax, +20% insurance, +10% maintenance.
Estimated monthly carrying cost
$972
Stress-case monthly carrying cost
$1,091
Median home price used: $448,400
Median rent reference: $1,111 / 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 Port Townsend, Washington 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. Port Townsend scores 100 out of 100 for healthcare access.
Care planning link
Find local assisted living in Port Townsend
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 Port Townsend →Taxes
State Tax Climate
Washington has a tax environment that is highly favorable for retirees.
Climate
Weather & Environment
With 246 sunny days a year and an average January low of 34.6°F, Port Townsend offers a traditional winter climate.
Safety & Walkability
Community Safety
Walkability
Demographics
Population Profile
Diversity Breakdown
Frequently asked questions about retiring in Port Townsend
What is the cost of living in Port Townsend, Washington for retirees?▾
The cost-of-living index is 110, roughly 10% above the national average of 100. Median home price is around $448,400.
Does Washington tax Social Security or retirement income?▾
For Washington residents: No state income tax; Social Security and pension income fully exempt.
What is the climate like in Port Townsend, Washington?▾
Port Townsend, Washington has January average low around 35°F, July average high around 79°F. Climate normals are based on 30-year averages from NOAA's National Centers for Environmental Information.
What is healthcare access like in Port Townsend, Washington?▾
Port Townsend scores 100/100 on the RetireCityIQ healthcare access index — a top-tier score. The index combines CMS hospital quality ratings, Medicare Advantage plan availability, and hospitals per 100,000 residents (KFF + CMS data).