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Rutland, Vermont Retirement Guide
Retirement Score
Rutland, Vermont at a Glance
- Median Home Price
- $169,700
- State Income Tax
- State income tax; Social Security partially exempt for lower incomes; pension taxable.
- Avg January Low
- 13.5°F
- Cost of Living Index
- 101 (US avg = 100)
- RetireCityIQ Score
- 57 / 100
Overview
Explore the key retirement factors for Rutland, Vermont, including cost of living, taxes, healthcare quality, and climate data.
Cost of Living
Affordability Metrics
Rutland's cost of living is 1% 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 Rutland using median home price and adjustable assumptions. Stress case applies +10% property tax, +20% insurance, +10% maintenance.
Estimated monthly carrying cost
$368
Stress-case monthly carrying cost
$413
Median home price used: $169,700
Median rent reference: $856 / 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 Rutland, Vermont 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. Rutland scores 74.4 out of 100 for healthcare access.
Care planning link
Find local assisted living in Rutland
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 Rutland →Taxes
State Tax Climate
Vermont has a tax environment that is moderate for retirees.
Climate
Weather & Environment
With 259 sunny days a year and an average January low of 13.5°F, Rutland offers a traditional winter climate.
Safety & Walkability
Community Safety
Walkability
Demographics
Population Profile
Diversity Breakdown
Frequently asked questions about retiring in Rutland
What is the cost of living in Rutland, Vermont for retirees?▾
The cost-of-living index is 101, roughly 1% above the national average of 100. Median home price is around $169,700.
Does Vermont tax Social Security or retirement income?▾
For Vermont residents: State income tax; Social Security partially exempt for lower incomes; pension taxable.
What is the climate like in Rutland, Vermont?▾
Rutland, Vermont has January average low around 14°F, July average high around 81°F. Climate normals are based on 30-year averages from NOAA's National Centers for Environmental Information.
What is healthcare access like in Rutland, Vermont?▾
Rutland 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).