01 - Taxes
Retirement Tax Treatment
California taxes retirement income but leaves Social Security benefits untouched, which matters for residents drawing on those benefits.
Source · Tax Foundation
8
7
Your
Big Bear City
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.
12,621
+
Total Population
$
50,069
Median Income
$
296,800
Median Home
20
%
Age 65+
Retirement Suitability
How
Big Bear City
ranks for retirees?
11
/ 100
A blended, sourced view of how this city ranks for retirees across tax, affordability, healthcare, and climate.
Tax
8
Affordability
12
Healthcare
14
Climate
8
Results
Big Bear City
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
12
03 - Healthcare
Hospital Access & Quality
The area has
18
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
79
°F, winters dip to about
22
°F, with roughly
66
″ 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
Very High
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Frequently Asked Questions
Does California tax Social Security income for retirees in Big Bear City?
California does not tax Social Security benefits, which can meaningfully stretch retirement income for Big Bear City residents. Other retirement income sources, such as pensions, may be treated differently under state law. With one in five residents aged 65 or older, understanding how California taxes various income streams is an important part of retirement planning here.
What are the hospitals like near Big Bear City for Medicare patients?
The area is served by 18 Medicare-certified hospitals. However, those facilities average 2.53 out of 5 stars on CMS quality ratings, which falls below the national midpoint. Retirees relying on Medicare should research individual hospital quality and consider how distance and mountain terrain might affect access to care in an emergency.
How affordable is housing in Big Bear City for someone retiring on a fixed income?
The median home value in Big Bear City is $296,800, and the median household income is $50,069. Those figures suggest housing costs are moderate relative to broader California markets, though a fixed retirement income still requires careful budgeting. Homeownership is common here, which can reduce ongoing housing expenses compared to renting.
What weather and natural-disaster risks should retirees consider in Big Bear City?
Big Bear City has a cold, snowy climate with average winter lows near 22°F and about 66 inches of annual snowfall, which can complicate mobility and access to services for older residents. Beyond winter weather, FEMA rates this county’s overall natural-disaster risk as Very High, a factor worth factoring into housing, insurance, and emergency planning decisions.
Can a guaranteed annuity help cover living expenses for retirees in Big Bear City, California?
With one in five Big Bear City residents aged 65 or older and a median household income of $50,069, predictable income matters here. A multi-year guaranteed annuity, or MYGA, locks in a fixed interest rate for a set term, so a portion of savings grows at a known pace. That certainty can help cover recurring costs — heating bills during 22°F winters, healthcare gaps near hospitals rated below the national average — without guessing what markets will do. California does not tax Social Security, which pairs well with a MYGA as a supplemental income layer. Current rates change often, so check our current annuity rates page for today’s figures.