Community & civic
JUL16
johnston · Johnston, IA
Iowa
Snapshot
Retire by stateFigures verified May 31, 2026
Iowa retirement guide
Retiring in Iowa
Iowa recently stopped taxing retirement income. That is a strong draw. Weigh it against tornado season and long drives to care in the countryside.
Could fit
You want a slower pace, river bluff scenery, and no state tax on your pension, IRA and 401(k) withdrawals, or Social Security.
Look closely at
Severe storms and tornadoes come with the territory, and the most rural towns sit far from a big hospital.
Cost of living
$4,400/mo
Using the same $5,000 national monthly example, Iowa comes out near $4,400 a month.
#3 of 50 for lowest everyday cost, using the same BEA index shown here.
U.S. avg 100
More affordablePricier
Iowa runs about 12% below the national average on everyday prices.
Cost of recreation
86
Our index of how Iowa's estimated annual hobby costs compare with the rest of the country.
#7 of 50 for lower estimated recreation cost, using the same hobby-cost model shown here.
U.S. avg 100
More affordablePricier
Iowa's modeled hobby costs run about 14% below the national average. The modeled average is about $945 a year across the activity basket.
Est. Our own measure from 8 modeled hobbies. It uses published state fees where we have them, then adds recurring hobby assumptions like gear, trips, memberships, and upkeep. 100 = national average.
How the plan models Iowa
The state lines the calculator actually changes.
Start here for the whole state picture. The quick math sits beside the things that change daily life: taxes, home costs, care costs, towns, weather, and what Iowa actually feels like.
Tax and Medicare
Check the Iowa income picture.
Estimate how Iowa treats Social Security, pension income, IRA/401(k) withdrawals, city income tax, and Medicare premium tiers before you build the full journey.
Social Security
Not taxed
Pension
Not taxed
IRA / 401(k)
Not taxed
Cost of living
$4,400/mo
Using the same $5,000 national monthly example, Iowa prices translate to about $4,400 a month.
BEA Regional Price ParitiesState income tax
~4.0%
Iowa does not tax Social Security in the summary used here, but a 4% blended planning rate is used for taxable retirement-income context. AARP lists Iowa among states that do not tax IRA and 401(k) distributions in the summary used here.
Tax FoundationSocial Security
Not taxed
Iowa does not tax Social Security benefits under the current state-tax summary used here.
AARP / IRS Pub. 915Property tax
1.6%
Property tax is local, but the Iowa state-level planning rate used here is 1.6% of home value. On a $350,000 home, that is about $5,500 a year before county detail.
Tax FoundationSales tax
6.9%
Tax Foundation puts Iowa's 2026 average combined state and local sales tax near 6.9%, ranked 29 among states in that table.
Tax FoundationVehicle costs
Check cars
Vehicle costs need a separate check in Iowa because value-based vehicle taxes or registration-linked property taxes can show up in the car budget.
FreeTaxUSA vehicle-tax guideLong-term care in Iowa
The care cliff, in Iowa dollars.
CareScout and Genworth 2025 median costs, compared with the national median. Long-term care is a separate planning layer from ordinary Medicare costs.
Assisted living
$5,381/mo
About $64,566 a year, 13% lower than the national median.
Nursing home (semi-private)
$9,277/mo
About $111,325 a year, 3% lower than the national median.
Home caregiver
$7,836/mo
About $94,037 a year, 17% higher than the national median.
Activities & recreation in Iowa
What there is to do, with the sources.
How the things people retire for actually look in Iowa. Each links to the full activity guide.
Pickleball & tennisIowa City Senior Center
Iowa City Parks and Recreation and the Iowa City Senior Center both offer pickleball play for residents. Many community centers and parks departments across Iowa have added outdoor pickleball courts, and the Connections Area Agency on Aging connects seniors to local recreation programs.
$271/yrEst.
Estimated annual hobby cost
30 court visits per year, plus paddle replacement, balls, league fees, and small club costs.
Published input
Pioneer Columbus Community Recreation Center and Fourmile Community Recreation Center (Des Moines city-operated): indoor pickleball $2/person drop-in or $15/month. Ages 60+ open rec is $1/day.
dsm.city · as of 2026Where to go
Arts & cultureIowa City Senior Center
Iowa has regional arts institutions including the Des Moines Art Center, the Iowa Symphony Orchestra, and the Old Capitol Museum in Iowa City. The Iowa City Senior Center in the historic downtown post office building hosts concerts, art classes, and lifelong learning events.
$347/yrEst.
Estimated annual hobby cost
8 museum, theater, or cultural visits per year, plus a modest membership or ticket budget.
Published input
Iowa City Senior Center (28 S. Linn St., Iowa City): individual membership for Iowa City residents $40/yr (non-resident $75/yr); membership is for anyone age 50+. A low-income discount reduces membership to $10/yr or free.
icgov.org · as of 2026Social & communityIowa Area Agencies on Aging
Iowa's six Area Agencies on Aging cover all 99 counties through the Iowa Department of Health and Human Services, linking older Iowans to senior centers, nutrition programs, caregiver support, and social activities. Connections Area Agency on Aging serves central and western Iowa counties.
$198/yrEst.
Estimated annual hobby cost
Senior-center, club, class, trip, or program costs beyond any published membership fee.
Published input
Iowa City Senior Center (28 S. Linn St., Iowa City): individual annual membership for Iowa City residents $40/yr; open to anyone age 50+. Provides access to fitness equipment, art studio, billiards, and members-only programs.
icgov.org · as of 2026Where to go
FishingIowa DNR Big Creek State Park
Iowa DNR manages fishing access at state parks, lakes, and rivers statewide, including Big Creek State Park near Polk City and George Wyth Memorial State Park near Waterloo. Fishing licenses are issued by the Iowa DNR and the state stocks walleye, bass, and other species in public waters.
$391/yrEst.
Estimated annual hobby cost
One resident annual license, plus tackle, bait, simple access trips, and replacement gear.
Published input
Iowa resident annual fishing license: $22. Lifetime fishing license for Iowa residents age 65+: $61.50 (one-time purchase). Free annual license available for residents age 65+ below federal poverty guidelines.
iowadnr.gov · as of 2025Boating & waterIowa DNR Big Creek State Park
Big Creek State Park near Polk City has a marina with boat rental and a public launch ramp on a 900-acre lake. Iowa state parks including Saylorville Lake and Red Rock Reservoir offer additional public boat ramp access managed by the Army Corps of Engineers.
$4,109/yrEst.
Estimated annual hobby cost
A modest owned boat, including registration, insurance, storage, maintenance, fuel, and basic upkeep.
Published input
Iowa boat registration renewal (3-year cycle, fee covers full 3-year period): motorized vessel under 16 ft $28.15; 16 to under 26 ft $41.65; personal watercraft $50.65. Registrations are valid 3 years.
Published range: $28.15 to $41.65.
iowadnr.gov · as of 2025-2026GolfCity of Des Moines Golf Courses
Des Moines Parks and Recreation operates three public golf courses including Waveland and A.H. Blank, with walking rates starting around $23 for adults on weekdays. Otter Creek Golf Course in Ankeny and other public courses around the metro serve golfers of all skill levels.
$1,536/yrEst.
Estimated annual hobby cost
24 public rounds per year, plus equipment refresh, range balls, carts, and other course extras.
No state-published fee is attached to this activity, so the estimate uses the recurring-cost assumption only.
GardeningIowa State University Extension Master Gardener
Iowa State University Extension and Outreach runs Master Gardener programs in each county, offering training and community demonstration gardens. The growing season in Iowa runs roughly May through September, and community gardens operate in many towns through local parks departments.
$476/yrEst.
Estimated annual hobby cost
Seeds, soil, tools, replacement plants, water, and a modest home or community-garden setup.
Published input
Des Moines Parks Community Gardens (Franklin, Woodlawn, Stone parks): $35/plot/season (150 sq ft). Iowa City Parks community garden plots: Mini (10x10) $15, Small (20x10) $20, Large (50x10) $30.
Published range: $20 to $35.
dsm.city · as of 2026Hiking & trailsMyCountyParks Iowa
Iowa DNR manages more than 80 state parks with hiking and multi-use trails, including the 22-mile trail network at Backbone State Park and the river and prairie loops at Ledges State Park. MyCountyParks.com lists trails and outdoor recreation across all 99 Iowa counties.
$228/yrEst.
Estimated annual hobby cost
12 trail or park visits per year, plus footwear, basic gear, parking, and local travel.
Published input
Iowa State Parks charge no day-use entrance fee. All Iowa state parks are free to enter; camping fees apply only for overnight stays.
iowadnr.gov · as of 2026Things to do in Iowa
What a week can look like.
State parks and lakes across Iowa
Iowa's state parks mix lakes, woods, and prairie, with trails, fishing, and picnic spots. Many keep flatter loop trails and easy lake access, so a good afternoon does not ask much of you.
Effigy Mounds National Monument on the Mississippi
Effigy Mounds National Monument protects ancient Native American earthworks above the Mississippi River in northeast Iowa. Trails climb to bluff overlooks, and shorter accessible paths and a visitor center sit near the start.
River bluffs and rail trails
Iowa has a wide network of paved rail trails and scenic drives, some running along the Mississippi River bluffs. The trails stay flat and paved, so walking or cycling near town is easy.
What to know about Iowa
What can change the month.
Retirement income is no longer taxed
Iowa does not tax your pension, your IRA and 401(k) withdrawals, or your Social Security. Other income is taxed at a flat rate, listed at 3.8 percent for the 2025 tax year.
AARPTornadoes, severe storms, and flooding
Iowa gets tornadoes and severe storms, mostly in spring and summer, and river flooding can reach low lying areas. Federal disaster relief has followed major storm and flood events here.
Internal Revenue ServiceRural distance to larger hospitals
Much of Iowa is rural, so the most remote towns sit a long drive from a big hospital or a specialist. Before you settle in a small community, check how far the nearest care really is.
Things to do in Iowa
What there is to do across Iowa.
12 tracked categories across Iowa. Each card opens the search filtered to that activity.
Golf
Golf
Public, resort, and municipal courses near retirement towns.
61 places tracked
Fish
Fishing
Boat ramps, piers, lakes, and shore access.
702 places tracked
Trails
Hiking trails
Named trails, parks, and nature reserves for a real walk.
355 places tracked
Water
Boating and water
Marinas, ramps, and launches for getting on the water.
16 places tracked
Play
Pickleball
Courts and public places to play.
21 places tracked
Garden
Gardening
Community gardens, botanical gardens, and places to dig in.
15 places tracked
Arts
Arts and culture
Museums, galleries, theaters, and cultural stops.
141 places tracked
Meet
Community
Senior centers, community centers, and places to meet people.
71 places tracked
Birds
Birding
Top-rated birding hotspots from the eBird community.
413 places tracked
Dogs
Dog parks
Off-leash parks for the four-legged member of the household.
17 places tracked
Camp
Camping & RV
Federal campgrounds, RV parks, dispersed sites, and horse-friendly camps.
112 places tracked
Scenic
Wildlife & scenic
Wildlife and whale viewing, scenic drives, hot springs, stargazing spots.
18 places tracked
Upcoming events in Iowa
See all eventsCommunity & civic
JUL16
johnston · Johnston, IA
Music & concerts
JUL16
8 PM
Casey's Center · Johnston, IA
Music & concerts
LIL WAYNE: 20 YEARS OF CARTER CLASSICS WITH 2 CHAINZ
Casey's Center
Music
Music & concerts
JUL16
8 PM
Casey's Center · Urbandale, IA
Music & concerts
LIL WAYNE: 20 YEARS OF CARTER CLASSICS WITH 2 CHAINZ
Casey's Center
Music
Community & civic
JUL16
lied · Clarinda, IA
Community & civicHappens regularly
Glowforge Help
lied
The library has a Glowforge Laser Cutter/etcher equipment. You may register to learn more about these technologies or get help designing and creating with our library volunteer and library staff. Space is limited contact the library to learn more or register. Held the 3rd Thursday of each month from 1-4 pm. Limited to 4 registrants per event
VolunteeringWeeklyIndoors
Classes & arts
JUL16
grimes · Grimes, IA
Classes & arts
Rain Barrel Workshop
grimes
Back by popular demand, this workshop is available for Grimes citizens to build and take home a rain barrel. All supplies are provided by the City of Grimes Stormwater Grant. One rain barrel per household. Each registrant may bring along a partner to help build (registering a partner is not necessary). Grimes residents 18+ only.
Classes and talksIndoors
Weighing two states?
Put Iowa next to another state.
Compare cost of living, taxes, Social Security treatment, property and sales tax, and long-term-care costs side by side.
Common questions
Retiring in Iowa, answered.
Does Iowa tax retirement income?
Iowa does not tax Social Security benefits under the current state-tax summary used here. AARP lists Iowa among states that do not tax IRA and 401(k) distributions in the summary used here. Iowa does not tax Social Security in the summary used here, but a 4% blended planning rate is used for taxable retirement-income context.
AARP: how states tax retirement incomeIs Iowa cheaper or more expensive than average?
BEA regional price parities put Iowa about 12.2% below the U.S. average cost level. That price level is the first reason a national retirement number needs a Iowa translation.
BEA Regional Price ParitiesWhat does long-term care cost in Iowa?
In the CareScout and Genworth 2025 medians, Iowa assisted living runs about $64,566 a year (13% lower than the national median) and a semi-private nursing-home room about $111,325 a year (3% lower than the national median).
CareScout / Genworth Cost of CareDoes Iowa tax retirement income?
No. Iowa does not tax your pension, your IRA and 401(k) withdrawals, or your Social Security. Other income is taxed at a flat rate, listed at 3.8 percent for the 2025 tax year.
AARPWhat weather risks does Iowa have?
Iowa gets tornadoes and severe thunderstorms, mostly in spring and summer, and river flooding can reach low lying areas. The state has received federal disaster relief after major storm and flood events.
Internal Revenue ServiceSources
Build the full map
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