01 - Taxes
Retirement Tax Treatment
Wyoming levies no state income tax, meaning Social Security, pension, and retirement account withdrawals all escape state taxation.
Source · Tax Foundation
8
4
Fact text
- Cheyenne grew so explosively after its 1867 founding that it earned the nickname 'Magic City of the Plains'.
- Cheyenne Frontier Days is a legendary annual rodeo event that has made the city a go-to destination for Old West culture.
- Despite being a state capital, Cheyenne sits so close to Wyoming's border that it ranks among the least centrally located capitals in the entire country.
- Warm chinook winds rolling down from the Rockies can push Cheyenne's temperatures above 50°F on roughly twenty winter days, a sneaky perk of living on the plains.
Your
Cheyenne
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.
64,099
+
Total Population
$
68,611
Median Income
$
229,100
Median Home
17
%
Age 65+
Retirement Suitability
How
Cheyenne
ranks for retirees?
29
/ 100
A blended, sourced view of how this city ranks for retirees across tax, affordability, healthcare, and climate.
Tax
8
Affordability
64
Healthcare
29
Climate
13
Results
Cheyenne
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
64
03 - Healthcare
Hospital Access & Quality
The area has
1
Medicare-certified hospitals, averaging a
3
/5 CMS quality rating.
Source · CMS Hospital Compare
3
04 - Climate
Weather & Comfort
A
Cold / Snowy
climate — summers peak near
79
°F, winters dip to about
17
°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 Low
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Frequently Asked Questions
Does Wyoming tax Social Security or pension income for retirees in Cheyenne?
Wyoming levies no state income tax at all, so Social Security benefits, pension payments, and retirement account withdrawals are completely free from state taxation. For retirees in Cheyenne, that means more of every dollar withdrawn stays in your pocket compared with states that tax some or all retirement income.
What are healthcare options like for retirees living in Cheyenne?
Cheyenne has one Medicare-certified hospital, which CMS rates 3.0 out of 5 stars. That provides adequate access for routine and emergency care, though the options are limited relative to what larger cities typically offer. Retirees with complex medical needs may want to factor in travel to additional facilities.
Is housing affordable for someone retiring in Cheyenne, Wyoming?
The median home value in Cheyenne is $229,100, which is notably lower than many U.S. metro areas. Against a median household income of $68,611, that ratio suggests relatively accessible homeownership costs. Retirees on fixed incomes may find housing expenses more manageable here than in higher-cost retirement destinations.
How serious is natural-disaster risk for retirees considering Cheyenne?
FEMA’s National Risk Index rates Cheyenne’s county as Relatively Low for overall natural-disaster risk. That is a reassuring baseline for long-term planning, particularly for retirees concerned about property damage or disruption to fixed-income budgets. Winters are cold, with average lows of 17 degrees Fahrenheit, so weather preparedness still matters.
How might a guaranteed annuity fit into a retirement income plan in Cheyenne?
Wyoming’s no-state-income-tax environment means every dollar a Cheyenne retiree draws from a guaranteed annuity stays whole at the state level — a meaningful advantage when 17% of the city’s 64,099 residents are already 65 or older and managing fixed budgets. A multi-year guaranteed annuity locks in a set interest rate for a chosen term, letting you match predictable growth to predictable essential expenses like healthcare near Cheyenne’s single Medicare-certified hospital. Current rates change often, so check our current annuity rates page for today’s figures.