1. Pros of Retiring in St. George, Utah
Natural Beauty – St. George, Utah is renowned for its spectacular natural beauty, with nearby Zion National Park, Snow Canyon State Park, and Red Cliffs Desert Reserve. Whether you enjoy hiking, biking, or simply taking in the breathtaking views, St. George is the perfect place to enjoy the outdoors. The area also offers great golfing, swimming, and fishing.
Climate – With over 300 days of sunshine each year, St. George offers retirees a sunny, warm climate perfect for enjoying outdoor activities year-round. The area experiences mild winters and hot, dry summers, making it ideal for those who want to enjoy a warm climate all year.
Affordable Cost of Living – St. George is a great place to retire, as the cost of living is lower than the national average. The area offers a wide range of housing options, from luxury homes to more affordable apartments and condos. With a lower cost of living, retirees can enjoy a comfortable lifestyle while still being able to save for the future.
Low Taxes – The taxes in St. George are lower than many other areas, making it an attractive option for retirees. There is no state income tax, and the property tax rates are among the lowest in the nation. This makes St. George an ideal place to retire and enjoy a comfortable lifestyle without the burden of high taxes.
Healthcare – St. George offers retirees access to high-quality healthcare, with two major hospitals, Intermountain Dixie Regional Medical Center and St. George Regional Hospital. The area also has a variety of doctors, specialists, and other healthcare providers, making it easy for retirees to access the care they need.
2. Cons of Retiring in St. George, Utah
When considering retiring in St. George, Utah, there are a few things to consider. Though St. George offers some great advantages for retirees, there are also a few drawbacks. Here are some of the cons to consider when retiring in St. George, Utah:
Cost of Living
The cost of living in St. George is significantly higher than the national average. This is especially true for housing costs, which can be up to 50% higher than the national average. This can be a major drawback for retirees, who are often living on a fixed income. Additionally, the cost of groceries and other necessities can be more expensive in St. George than in other parts of the country.
Climate
St. George is known for its mild winters and hot summers. While this is great for outdoor activities, it can be uncomfortable for retirees who prefer a cooler climate. Additionally, the high temperatures in the summer can be hard on those who are sensitive to the heat. For those who prefer cooler weather, St. George may not be the ideal retirement destination.
Crime Rate
The crime rate in St. George is higher than the national average. This can be a major concern for retirees who want to live in a safe environment. While the crime rate is still relatively low compared to other cities, it is something to consider when choosing a retirement destination.
Health Care
Though St. George does have several hospitals and medical centers, the quality of health care can be lacking. This can be a major concern for retirees who need access to quality medical care. Additionally, there are fewer specialized medical services available in St. George than in other parts of the country. This can be a major drawback for retirees who need specialized medical care.
3. The Cost of Living in St. George, Utah
St. George, Utah is a great place to live, with its beautiful scenery and outdoor activities. But what about the cost of living? How does St. George compare to other cities in terms of affordability?
Housing Costs
Housing costs in St. George are relatively low compared to other cities in the U.S. The median home price in St. George is $290,000, compared to the national median of $310,000. Renters can find a variety of housing options, from apartments to houses, with average monthly rent for a two-bedroom apartment coming in at around $1,200.
Utilities and Groceries
Utility costs in St. George are on par with the national average. The average cost of electricity is $0.12 per kWh, and the average cost of natural gas is $1.07 per therm. Groceries are also affordable in St. George, with a loaf of bread costing about $2.50, a gallon of milk costing around $3.50, and a dozen eggs costing about $2.50.
Transportation Costs
Transportation costs in St. George are also affordable. The average cost of gasoline is $2.59 per gallon, and the average cost of a one-way bus fare is $1.50. Taxis are also available in St. George, with an average fare of $10 for a 10-mile trip.
Taxes
The state of Utah does not impose a state income tax, so the taxes that residents of St. George pay are mostly local taxes. The sales tax in St. George is 6.85%, and property taxes are assessed at a rate of 0.0085%.
4. Recreational Activities in St. George, Utah
St. George, Utah is a great place to enjoy a variety of recreational activities. From hiking and biking to swimming and golfing, there is something for everyone. Whether you’re looking for an outdoor adventure or a relaxing day in the sun, St. George has it all. Here are some of the top recreational activities in St. George, Utah.
Hiking and Biking
St. George is home to some of the most beautiful hiking and biking trails in the country. The trails range from easy to strenuous and offer breathtaking views of the surrounding mountains and canyons. Popular trails include the Red Cliffs Desert Reserve, Snow Canyon State Park, and the Virgin River Rim Trail.
Swimming
St. George is also known for its many swimming holes and natural springs. From the Virgin River to Quail Creek and Gunlock State Park, there are plenty of places to take a dip and cool off. The town also has several public pools and water parks for those looking for a more structured swimming experience.
Golfing
St. George is a great destination for golfers. The area is home to several championship golf courses, including the 18-hole championship course at the St. George Golf Club. The course is surrounded by stunning views of the red cliffs and Zion National Park. There are also several other courses in the area, ranging from beginner to advanced.
No matter what your recreational interests, St. George has something to offer. From hiking and biking to swimming and golfing, there is no shortage of activities in this small town. So grab your gear and head to St. George for a fun-filled outdoor adventure.
5. Tax Benefits for Retirees in St. George, Utah
Retirees living in St. George, Utah can take advantage of a number of tax benefits, including exemptions, deductions, and credits. As the state of Utah has a flat income tax rate, there are no major tax advantages for retirees, but the city of St. George does offer a few benefits that can make retirement more affordable.
Income Tax Exemptions
Retirees living in St. George, Utah may be eligible for income tax exemptions. These exemptions may be available for Social Security income, pensions, and other retirement benefits. To qualify for these exemptions, retirees must be at least 65 years of age and have a total annual income of less than $25,000.
Property Tax Exemptions
St. George, Utah offers property tax exemptions for seniors who are at least 65 years of age. The exemptions can be up to $150,000 for primary residences and $75,000 for other property. To qualify for these exemptions, seniors must have lived in the same residence for at least one year.
Sales Tax Exemptions
Retirees in St. George, Utah can take advantage of sales tax exemptions on certain purchases. These exemptions can be up to 4% of the purchase price for items such as prescription drugs, medical supplies, and certain food items. To qualify for these exemptions, retirees must have a valid Utah driver’s license or state identification card.
In addition to these exemptions, St. George, Utah offers a number of other tax benefits for retirees. These include credits for energy-efficient home improvements, exemptions on certain investments, and deductions for charitable donations. By taking advantage of these benefits, retirees in St. George can save money and enjoy a more comfortable retirement.