01 - Taxes
Retirement Tax Treatment
California does not tax Social Security benefits, though retirees with other income sources will still owe state income tax.
Source · Tax Foundation
8
7
Your
Cathedral 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.
54,812
+
Total Population
$
50,350
Median Income
$
302,500
Median Home
18
%
Age 65+
Retirement Suitability
How
Cathedral City
ranks for retirees?
13
/ 100
A blended, sourced view of how this city ranks for retirees across tax, affordability, healthcare, and climate.
Tax
8
Affordability
11
Healthcare
21
Climate
9
Results
Cathedral 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
11
03 - Healthcare
Hospital Access & Quality
The area has
16
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
105
°F, winters dip to about
46
°F, with roughly
″ 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 retirement benefits?
California does not tax Social Security benefits, which can help retirees in Cathedral City stretch a fixed income further. However, other retirement income sources such as withdrawals from IRAs or part-time work earnings are still subject to California state income tax, so retirees with mixed income streams should plan accordingly.
How can Cathedral City retirees protect income from market swings?
Cathedral City sits in a Very High FEMA disaster-risk county, and with nearly one in five residents already 65 or older, predictable income matters here. A multi-year guaranteed annuity locks your interest rate for a set term, so essential expenses stay covered regardless of market swings. California does not tax Social Security, but other retirement income is still taxed, making guaranteed growth worth understanding. Current rates change often, so check our current annuity rates page for today’s figures.
How good are the hospitals near Cathedral City for Medicare patients?
The Cathedral City area is served by 16 Medicare-certified hospitals. Their average CMS quality rating is 2.86 out of 5 stars, which falls below the national midpoint. Retirees relying on Medicare should research individual hospital ratings before choosing a provider, as overall regional quality scores suggest room for improvement.
How hot does Cathedral City get, and what natural disaster risks should retirees know about?
Summers in Cathedral City are intense, with average highs reaching 105°F, while winters are mild with lows near 46°F. Beyond heat, FEMA rates the county’s overall natural-disaster risk as Very High on its National Risk Index. Retirees should factor both climate extremes and disaster risk into housing, insurance, and broader financial planning decisions.
What does housing cost in Cathedral City, and how does that affect retirement income planning?
The median home value in Cathedral City is $302,500, and the median household income is $50,350. For retirees on fixed incomes, housing costs relative to income can be a meaningful strain. Guaranteed income products like annuities may help cover predictable expenses, particularly given that nearly 18 percent of residents are already 65 or older.