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Terre Haute, Indiana Retirement Guide
Retirement Score
Terre Haute, Indiana at a Glance
- Median Home Price
- $99,600
- State Income Tax
- State income tax; Social Security exempt; some retirement income deductions available.
- Avg January Low
- 24.6°F
- Cost of Living Index
- 91.9 (US avg = 100)
- RetireCityIQ Score
- 70 / 100
Overview
Explore the key retirement factors for Terre Haute, Indiana, including cost of living, taxes, healthcare quality, and climate data.
Cost of Living
Affordability Metrics
Terre Haute's cost of living is 8.099999999999994% 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 Terre Haute using median home price and adjustable assumptions. Stress case applies +10% property tax, +20% insurance, +10% maintenance.
Estimated monthly carrying cost
$216
Stress-case monthly carrying cost
$242
Median home price used: $99,600
Median rent reference: $847 / 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 Terre Haute, Indiana 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. Terre Haute scores 80.3 out of 100 for healthcare access.
Care planning link
Find local assisted living in Terre Haute
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 Terre Haute →Taxes
State Tax Climate
Indiana has a tax environment that is moderate for retirees.
Climate
Weather & Environment
With 284 sunny days a year and an average January low of 24.6°F, Terre Haute offers a traditional winter climate.
Safety & Walkability
Community Safety
Walkability
Demographics
Population Profile
Diversity Breakdown
Frequently asked questions about retiring in Terre Haute
What is the cost of living in Terre Haute, Indiana for retirees?▾
The cost-of-living index is 92, roughly 8% below the national average of 100. Median home price is around $99,600.
Does Indiana tax Social Security or retirement income?▾
For Indiana residents: State income tax; Social Security exempt; some retirement income deductions available.
What is the climate like in Terre Haute, Indiana?▾
Terre Haute, Indiana has January average low around 25°F, July average high around 86°F. Climate normals are based on 30-year averages from NOAA's National Centers for Environmental Information.
What is healthcare access like in Terre Haute, Indiana?▾
Terre Haute scores 80/100 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).
Local Professionals
Financial Advisors
SPYGLASS INVESTMENT MANAGEMENT
SPYGLASS INVESTMENT MANAGEMENT CORPORATION
WABASH CAPITAL, INC.