01 - Taxes
Retirement Tax Treatment
Arizona does not tax Social Security benefits, which preserves a key income stream for retirees, though other income remains subject to state income tax.
Source · Tax Foundation
8
Fact text
- Apache Junction sits right next to the legendary Lost Dutchman's Gold Mine, a mystery hidden somewhere in the Superstition Mountains that people still hunt for today.
- Nearby Goldfield Ghost Town was a real boomtown in 1893 that went bust when the ore ran dry, and now it lives on as a quirky tourist attraction.
- Apacheland, an 1,800-acre Old West movie set, opened in 1960 just outside town and hosted countless productions before a dramatic fire in 1969.
- The city is the starting AND ending point of a 120-mile scenic "circle trail" through some of Arizona's most jaw-dropping desert landscape.
- Apache Junction once recorded a scorching 119°F, making a sunny retirement there feel like living inside a pizza oven.
Your
Apache Junction
Retirement Outlook — in 90 seconds
Hosted by Michael McMillan, President of Annuities.net
Every figure mentioned is drawn from the same sourced public data shown below — and the video updates as the data does.
41,863
+
Total Population
$
46,708
Median Income
$
122,000
Median Home
35
%
Age 65+
Retirement Suitability
How
Apache Junction
ranks for retirees?
42
/ 100
A blended, sourced view of how this city ranks for retirees across tax, affordability, healthcare, and climate.
Tax
8
Affordability
88
Healthcare
50
Climate
17
Results
Apache Junction
Suitability Breakdown
02 - Income
Annuity Rates Available Here
Fixed annuity rates reach up to
7
% on 5-year terms, with most landing between
5
% and
5
%.
Source · Cannex
88
03 - Healthcare
Hospital Access & Quality
The area has
5
Medicare-certified hospitals, averaging a
3
/5 CMS quality rating.
Source · CMS Hospital Compare
3
04 - Climate
Weather & Comfort
A
Mild
climate — summers peak near
103
°F, winters dip to about
43
°F, with roughly
0
″ of snow a year.
Source · NOAA Climate Normals
Mild
05 - Risk
Natural Disaster Risk
FEMA's overall natural-disaster risk rating for this county on the National Risk Index.
Source · FEMA National Risk Index
Relatively Moderate
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Frequently Asked Questions
Does Arizona tax Social Security income for retirees in Apache Junction?
Arizona does not tax Social Security benefits, which helps retirees in Apache Junction stretch a modest income further. However, other retirement income such as wages or investment earnings remains subject to state income tax. With a median household income around $46,708, keeping Social Security untaxed can make a meaningful difference in monthly cash flow.
What are healthcare options like for retirees living in Apache Junction?
Five Medicare-certified hospitals serve the Apache Junction area, giving retirees reasonable access to inpatient care. Those hospitals average 3.33 out of 5 stars on CMS quality ratings, which reflects adequate but not top-tier care. Retirees with complex medical needs may want to research whether nearby facilities meet their specific requirements before relocating.
How affordable is housing in Apache Junction compared to other retirement destinations?
The median home value in Apache Junction is $122,000, which is notably low compared to many U.S. retirement markets. That lower entry price can free up capital for other retirement needs. With roughly 35 percent of residents aged 65 or older, the local housing market is clearly shaped around retirement-stage buyers and their budgets.
What is the climate like in Apache Junction, and are there weather risks retirees should know about?
Winters in Apache Junction are mild, with average lows near 43°F and no snowfall. Summers are intense, with average highs exceeding 103°F, which is a genuine health consideration for heat-sensitive retirees. FEMA rates the county’s overall natural-disaster risk as Relatively Moderate, so extreme heat is the primary climate factor to plan around.
Can a fixed annuity help cover living expenses for retirees on a fixed income in Apache Junction?
Nearly 35 percent of Apache Junction residents are 65 or older, meaning predictable income is a genuine community-wide concern here. A multi-year guaranteed annuity locks in a fixed interest rate for a set term, so a portion of savings grows at a known pace and can later support regular withdrawals. Arizona spares Social Security from state income tax, but other income still faces taxation, making steady, plannable income sources worth understanding carefully. Current rates change often, so check our current annuity rates page for today’s figures.