01 - Taxes
Retirement Tax Treatment
North Dakota levies a state income tax, but Social Security benefits are fully exempt, a meaningful break for retirees relying on that income.
Source · Tax Foundation
8
Fact text
- Bismarck is the only U.S. state capital named after a foreign statesman, German chancellor Otto von Bismarck.
- The city was renamed Bismarck specifically to lure German investors and settlers to buy into the Northern Pacific Railway.
- The North Dakota State Capitol is a 19-story Art Deco skyscraper, and the tallest building in the entire state.
- The original capitol building dramatically burned to the ground in 1930, so the current one was built during the Great Depression.
- Bismarck's Cathedral District still has towering American elms lining its streets, they somehow escaped the elm disease that wiped out tree canopies across eastern U.S. cities.
Your
Bismarck
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.
73,435
+
Total Population
$
67,629
Median Income
$
249,200
Median Home
17
%
Age 65+
Retirement Suitability
How
Bismarck
ranks for retirees?
40
/ 100
A blended, sourced view of how this city ranks for retirees across tax, affordability, healthcare, and climate.
Tax
8
Affordability
52
Healthcare
82
Climate
2
Results
Bismarck
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
52
03 - Healthcare
Hospital Access & Quality
The area has
2
Medicare-certified hospitals, averaging a
4
/5 CMS quality rating.
Source · CMS Hospital Compare
4
04 - Climate
Weather & Comfort
A
Cold / Snowy
climate — summers peak near
80
°F, winters dip to about
5
°F, with roughly
″ 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 Moderate
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Frequently Asked Questions
Does North Dakota tax Social Security income for retirees?
North Dakota does levy a state income tax, but Social Security benefits are fully exempt from it. For retirees in Bismarck who depend heavily on Social Security, this exemption can meaningfully reduce their annual state tax burden compared to states that tax those benefits.
What are healthcare options like for retirees in Bismarck?
Bismarck has two Medicare-certified hospitals that average a 4.0 out of 5 CMS quality rating. That combination of local access and solid quality scores suggests retirees can expect reasonably reliable care for both routine checkups and more urgent medical needs without traveling far.
How affordable is housing in Bismarck for someone planning retirement?
The median home value in Bismarck is $249,200, which sits below many larger metro areas. For retirees evaluating how far their savings will stretch, housing costs are one of the more significant line items, and this figure provides a concrete benchmark for planning purposes.
How severe is the weather and natural-disaster risk in Bismarck?
Bismarck has a cold and snowy climate, with average summer highs around 80 degrees Fahrenheit and average winter lows near 5 degrees Fahrenheit. FEMA classifies the county’s overall natural-disaster risk as Relatively Moderate, meaning some exposure exists but it is not considered elevated compared to higher-risk regions.
Can retirees in North Dakota use annuities to lock in guaranteed income?
North Dakota exempts Social Security from state income tax, which already helps Bismarck retirees stretch fixed income — but Social Security alone rarely covers every essential expense. A multi-year guaranteed annuity, or MYGA, lets you deposit a lump sum and earn a fixed interest rate for a set term, so you know exactly what you’ll receive. That predictability can fill gaps between Social Security and monthly bills. Current rates change often, so check our current annuity rates page for today’s figures.