01 - Taxes
Retirement Tax Treatment
Ohio does not tax Social Security benefits, which helps retirees stretch fixed income further despite the state's general income tax.
Source · Tax Foundation
8
Your
Apple Valley
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.
5,538
+
Total Population
$
73,875
Median Income
$
165,700
Median Home
24
%
Age 65+
Retirement Suitability
How
Apple Valley
ranks for retirees?
38
/ 100
A blended, sourced view of how this city ranks for retirees across tax, affordability, healthcare, and climate.
Tax
8
Affordability
94
Healthcare
30
Climate
18
Results
Apple Valley
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
94
03 - Healthcare
Hospital Access & Quality
The area has
1
Medicare-certified hospitals, averaging a
3
/5 CMS quality rating.
Source · CMS Hospital Compare
3
04 - Climate
Weather & Comfort
A
Cold / Snowy
climate — summers peak near
82
°F, winters dip to about
18
°F, with roughly
40
″ of snow a year.
Source · NOAA Climate Normals
Cold / Snowy
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 Low
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Frequently Asked Questions
Does Ohio tax Social Security income for retirees?
Ohio does not tax Social Security benefits, which can meaningfully stretch a retiree’s fixed income. This is especially relevant in a community like Apple Valley, where nearly one in four residents is 65 or older. Combined with other income sources, keeping Social Security untaxed helps retirees manage everyday expenses on a modest household income.
What is the cost of housing like for retirees in Apple Valley, OH?
The median home value in Apple Valley is $165,700, which sits well below many national retirement destinations. With a median household income of $73,875, housing costs appear relatively manageable for residents here. Lower home prices can make it easier for retirees on fixed incomes to own outright or reduce mortgage obligations heading into retirement.
What kind of healthcare access can retirees expect in Apple Valley, OH?
Apple Valley is served by one Medicare-certified hospital, which CMS rates at 3.0 out of 5 stars. That rating reflects adequate local access for routine care, though it is not distinguished for clinical quality. Retirees with complex medical needs may want to consider proximity to larger regional facilities when evaluating this community.
What are the weather and natural-disaster risks for retirees living in Apple Valley, OH?
Apple Valley has cold winters with average lows near 18°F and about 40 inches of annual snowfall, so winter mobility and heating costs are real considerations for older residents. On the positive side, FEMA rates the county’s overall natural-disaster risk as Relatively Low, which can reduce concerns about property damage and insurance costs over a long retirement.
How might a guaranteed annuity fit into a retirement income plan in Ohio?
Nearly one in four Apple Valley residents is 65 or older, making retirement income planning a genuine community priority here. Ohio exempts Social Security from state income tax, which helps, but fixed living costs still need reliable coverage. A multi-year guaranteed annuity locks in a set interest rate for a chosen term, turning a lump sum into predictable growth you can plan around. That certainty pairs well with Social Security when budgeting for essentials. Current rates change often, so check our current annuity rates page for today’s figures.