01 - Taxes
Retirement Tax Treatment
Texas levies no state income tax, meaning Social Security, pension payments, and IRA or 401(k) withdrawals are all free from state-level taxation.
Source · Tax Foundation
79
Fact text
- In 1902, the entire town of Celina was literally loaded onto rollers and moved one mile north to be closer to the railway, earning it the nickname 'Rollertown.'
- Celina was the very first gigabit city in all of Texas, meaning residents get blazing 1,000 Mbps fiber internet with unlimited data straight to their homes.
- Celina built the first road in Collin County designed exclusively for automobiles, way back in 1915.
Your
Celina
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.
13,608
+
Total Population
$
114,807
Median Income
$
317,100
Median Home
13
%
Age 65+
Retirement Suitability
How
Celina
ranks for retirees?
70
/ 100
A blended, sourced view of how this city ranks for retirees across tax, affordability, healthcare, and climate.
Tax
79
Affordability
83
Healthcare
74
Climate
21
Results
Celina
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
83
03 - Healthcare
Hospital Access & Quality
The area has
13
Medicare-certified hospitals, averaging a
4
/5 CMS quality rating.
Source · CMS Hospital Compare
4
04 - Climate
Weather & Comfort
A
Temperate
climate — summers peak near
95
°F, winters dip to about
33
°F, with roughly
″ of snow a year.
Source · NOAA Climate Normals
Temperate
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 High
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Frequently Asked Questions
Does Texas tax retirement income like Social Security or 401(k) withdrawals?
Texas has no state income tax, so Social Security benefits, pension payments, and IRA or 401(k) withdrawals face zero state-level taxation. For retirees in Celina, this means more of every dollar withdrawn stays in their pocket compared to states that tax retirement income. Federal taxes still apply, so consulting a tax professional remains worthwhile.
What hospitals are available near Celina for Medicare-covered care?
The Celina area is served by 13 Medicare-certified hospitals, and those facilities average 3.89 out of 5 CMS quality stars. That rating reflects a solid regional network for ongoing medical care. Retirees should verify that specific providers accept their Medicare plan before scheduling services, as network participation can vary.
How affordable is housing in Celina, TX for someone planning retirement?
The median home value in Celina is $317,100, and the median household income is $114,807, reflecting a higher-income community. Celina is a fast-growing area, which can influence property values and property tax rates over time. Prospective retirees should factor in Texas property taxes, which can be significant even without a state income tax.
What natural disaster risks should Celina retirees consider for housing and insurance?
How does Texas’s tax policy affect retirement income for Celina residents?
Celina’s median household income tops $114,000, and Texas collects no state income tax on retirement withdrawals, pensions, or Social Security — so guaranteed income here stretches further than in many states. A multi-year guaranteed annuity locks in a fixed interest rate for a set term, letting retirees in this fast-growing community match predictable income against essential expenses without worrying about market swings. Current rates change often, so check our current annuity rates page for today’s figures.