01 - Taxes
Retirement Tax Treatment
California taxes most retirement income but leaves Social Security benefits untouched, which matters for retirees relying on that base income.
Source · Tax Foundation
8
7
Fact text
- Morro Rock, the giant volcanic plug guarding the harbor entrance, was actually quarried for decades before someone finally said 'stop' and made it a landmark in 1968.
- Morro Bay is the ONLY all-weather harbor for small craft between Santa Barbara and Monterey, a very long lonely stretch of coastline.
- A small summer colony of otters regularly hangs out in the kelp right near the harbor entrance, basically greeting every boat that comes in.
- The town's old nickname was 'Three Stacks and a Rock', a power plant plus a volcanic plug apparently counts as a full personality.
- Morro Rock is home to a peregrine falcon reserve, meaning the falcons have better real-estate protection than most Californians.
Your
Morro Bay
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.
10592
+
Total Population
$
73864
Median Income
$
651400
Median Home
30
%
Age 65+
Retirement Suitability
How
Morro Bay
ranks for retirees?
25
/ 100
A blended, sourced view of how this city ranks for retirees across tax, affordability, healthcare, and climate.
Tax
8
Affordability
3
Healthcare
50
Climate
48
Results
Morro Bay
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
3
03 - Healthcare
Hospital Access & Quality
The area has
3
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
68
°F, winters dip to about
45
°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
Relatively High
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