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Warwick, Rhode Island Retirement Guide
Retirement Score
Warwick, Rhode Island at a Glance
- Median Home Price
- $317,500
- State Income Tax
- State income tax; Social Security and pension exclusions depend on age and income thresholds.
- Avg January Low
- 26.1°F
- Cost of Living Index
- 104.5 (US avg = 100)
- RetireCityIQ Score
- 40 / 100
Overview
Explore the key retirement factors for Warwick, Rhode Island, including cost of living, taxes, healthcare quality, and climate data.
Cost of Living
Affordability Metrics
Warwick's cost of living is 4.5% 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 Warwick using median home price and adjustable assumptions. Stress case applies +10% property tax, +20% insurance, +10% maintenance.
Estimated monthly carrying cost
$688
Stress-case monthly carrying cost
$773
Median home price used: $317,500
Median rent reference: $1,156 / 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 Warwick, Rhode Island 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. Warwick scores 14.2 out of 100 for healthcare access.
Care planning link
Find local assisted living in Warwick
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 Warwick →Taxes
State Tax Climate
Rhode Island has a tax environment that is moderate for retirees.
Climate
Weather & Environment
With 272 sunny days a year and an average January low of 26.1°F, Warwick offers a traditional winter climate.
Safety & Walkability
Community Safety
Walkability
Demographics
Population Profile
Diversity Breakdown
Frequently asked questions about retiring in Warwick
What is the cost of living in Warwick, Rhode Island for retirees?▾
The cost-of-living index is 105, roughly 5% above the national average of 100. Median home price is around $317,500.
Does Rhode Island tax Social Security or retirement income?▾
For Rhode Island residents: State income tax; Social Security and pension exclusions depend on age and income thresholds.
What is the climate like in Warwick, Rhode Island?▾
Warwick, Rhode Island has January average low around 26°F, July average high around 84°F. Climate normals are based on 30-year averages from NOAA's National Centers for Environmental Information.
What is healthcare access like in Warwick, Rhode Island?▾
Warwick scores 14/100 on the RetireCityIQ healthcare access index — a limited score. The index combines CMS hospital quality ratings, Medicare Advantage plan availability, and hospitals per 100,000 residents (KFF + CMS data).
Local Professionals
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