01 - Taxes
Retirement Tax Treatment
Arizona does not tax Social Security benefits, though other income remains subject to state income tax.
Source · Tax Foundation
8
Your
Cave Creek
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.
5,766
+
Total Population
$
Median Income
$
370,800
Median Home
32
%
Age 65+
Retirement Suitability
How
Cave Creek
ranks for retirees?
30
/ 100
A blended, sourced view of how this city ranks for retirees across tax, affordability, healthcare, and climate.
Tax
8
Affordability
50
Healthcare
42
Climate
15
Results
Cave Creek
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
50
03 - Healthcare
Hospital Access & Quality
The area has
36
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
101
°F, winters dip to about
43
°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 Arizona tax Social Security income for retirees in Cave Creek?
Arizona does not tax Social Security benefits, which can meaningfully stretch retirement income for Cave Creek residents. Other income sources, such as withdrawals from IRAs or part-time work, remain subject to Arizona state income tax. Retirees should verify how pension income is treated separately, as that classification requires additional confirmation.
What are healthcare options like for retirees living in Cave Creek, AZ?
Cave Creek is served by 36 Medicare-certified hospitals in the surrounding area. However, those hospitals average 3.14 out of 5 stars on CMS quality ratings, which is a middling score. Retirees relying heavily on medical care may want to research specific facilities and factor hospital quality into their location decision.
How affordable is housing in Cave Creek for someone planning retirement?
The median home value in Cave Creek is $370,800. Nearly a third of residents are 65 or older, reflecting a community that already attracts retirees in meaningful numbers. With a small population of about 5,766, it functions more as a focused retiree enclave than a large general-purpose city, which shapes the local housing market.
What natural disaster or climate risks should retirees consider in Cave Creek?
FEMA rates this county’s overall natural-disaster risk as Very High on its National Risk Index, which is worth factoring into long-term planning. Summers regularly reach average highs of 101°F, so heat tolerance is a real consideration. Winters are mild, with average lows around 43°F, making the cold season more manageable for older adults.
Can a fixed annuity help provide guaranteed income for retirement in Arizona?
Nearly a third of Cave Creek’s roughly 5,766 residents are 65 or older, making guaranteed income a real priority here. A multi-year guaranteed annuity locks in a fixed interest rate for a set term, so a portion of savings grows predictably regardless of market swings. That steady foundation can cover essential expenses alongside Social Security, which Arizona does not tax. Because rates change constantly, check our current annuity rates page for today’s figures.