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Silverdale, Washington Retirement Guide
Retirement Score
Silverdale, Washington at a Glance
- Median Home Price
- $458,800
- State Income Tax
- No state income tax; Social Security and pension income fully exempt.
- Avg January Low
- 36.3°F
- Cost of Living Index
- 110 (US avg = 100)
- Best For
- tax-friendly for retirees, established retirement community
- RetireCityIQ Score
- 62 / 100
Overview
Explore the key retirement factors for Silverdale, Washington, including cost of living, taxes, healthcare quality, and climate data.
Cost of Living
Affordability Metrics
Silverdale'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 Silverdale using median home price and adjustable assumptions. Stress case applies +10% property tax, +20% insurance, +10% maintenance.
Estimated monthly carrying cost
$994
Stress-case monthly carrying cost
$1,116
Median home price used: $458,800
Median rent reference: $1,991 / 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 Silverdale, 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. Silverdale scores 54 out of 100 for healthcare access.
Care planning link
Find local assisted living in Silverdale
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 Silverdale →Taxes
State Tax Climate
Washington has a tax environment that is highly favorable for retirees.
Climate
Weather & Environment
With 251 sunny days a year and an average January low of 36.3°F, Silverdale offers a traditional winter climate.
Safety & Walkability
Community Safety
Walkability
Demographics
Population Profile
Diversity Breakdown
Frequently asked questions about retiring in Silverdale
Is Silverdale, Washington a good place to retire?▾
Silverdale, Washington is one of the US retirement-friendly cities tracked by RetireCityIQ. Notable retirement-relevant traits include tax-friendly for retirees, 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 Silverdale, Washington for retirees?▾
The cost-of-living index is 110, roughly 10% above the national average of 100. Median home price is around $458,800.
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 Silverdale, Washington?▾
Silverdale, Washington has January average low around 36°F, July average high around 78°F. Climate normals are based on 30-year averages from NOAA's National Centers for Environmental Information.
What is healthcare access like in Silverdale, Washington?▾
Silverdale scores 54/100 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).
Local Professionals
Financial Advisors
PARKER FINANCIAL LLC
CLEAR CREEK FINANCIAL MANAGEMENT, LLC
CLEAR CREEK FINANCIAL MANAGEMENT, LLC
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