01 - Taxes
Retirement Tax Treatment
California taxes retirement income but leaves Social Security benefits untouched, a meaningful break for retirees drawing from multiple income sources.
Source · Tax Foundation
8
7
Fact text
- Castaic's name comes from the Chumash word 'Kaštiq', meaning 'the eye', which is arguably a much cooler name origin than most L.A. suburbs can claim.
- Castaic hosted what historians call the biggest range war in U.S. history, a feud so fierce it even stumped a negotiator sent personally by President Theodore Roosevelt.
- Castaic still holds the last traditional cattle roundup in all of Los Angeles County, complete with horses, lariats, and branding irons.
Your
Castaic
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.
18,479
+
Total Population
$
120,574
Median Income
$
579,500
Median Home
10
%
Age 65+
Retirement Suitability
How
Castaic
ranks for retirees?
32
/ 100
A blended, sourced view of how this city ranks for retirees across tax, affordability, healthcare, and climate.
Tax
8
Affordability
28
Healthcare
36
Climate
79
Results
Castaic
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
28
03 - Healthcare
Hospital Access & Quality
The area has
72
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
92
°F, winters dip to about
44
°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
Very High
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Frequently Asked Questions
Does California tax Social Security or pension income for retirees?
California does not tax Social Security benefits, which is a meaningful advantage for retirees drawing from multiple income sources. Pension income treatment should be verified with a tax professional, as California’s rules can vary by pension type. With household incomes well above national norms in Castaic, understanding state tax treatment is an important part of retirement planning.
How many hospitals are near Castaic and how good are they?
Castaic retirees have access to 72 Medicare-certified hospitals in the area. Those hospitals average about 3 out of 5 stars on CMS quality ratings, meaning access is reasonably broad but quality varies across facilities. Retirees planning long-term care should research individual hospital ratings rather than relying on the regional average alone.
What is the cost of housing like in Castaic for someone approaching retirement?
The median home value in Castaic is $579,500, which reflects the higher cost of living common across Southern California. For retirees, housing costs can significantly affect how much income they need in retirement. Understanding home equity and ongoing housing expenses is an important factor when estimating retirement income needs in this area.
What natural disaster risks should Castaic retirees factor into their long-term plans?
FEMA rates this county’s overall natural-disaster risk as Very High. For retirees, that rating has real implications for homeowners insurance costs, property values, and long-term housing stability. Factoring disaster risk into retirement planning — including insurance expenses and emergency reserves — is especially relevant in a community where the median home value is $579,500.
Can a fixed annuity help Castaic residents create guaranteed retirement income?
Castaic sits in a county FEMA rates as Very High for natural-disaster risk, meaning housing and insurance costs can climb unpredictably in retirement. A multi-year guaranteed annuity locks in a fixed interest rate for a set term, converting a lump sum into a predictable income stream. That certainty helps cover essential expenses no matter what markets do. California also leaves Social Security untouched by state income tax, so pairing guaranteed annuity income with Social Security can stretch a retirement budget further. Current rates change often, so check our current annuity rates page for today’s figures.