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Breckenridge, CO

Resort Solid

One of the retirement towns we've already researched and scored. Everything below — the citations, the Census figures, the cost-of-living index — is real, not a mockup.

Scores

Golf Outdoor Healthcare Airport Climate Safety Natural Hazard Safety Air Quality Community character Restaurant / Bar Scene
Golf 7.5
Outdoor 9.5
Healthcare 4.5
Airport 5.5
Climate 6
Safety 7
Natural Hazard Safety 4.5
Air Quality 5.5
Community character 1
Restaurant / Bar Scene 5.4

Research

AI research, with sources

“Breckenridge offers mountain-town scenery, strong outdoor recreation, and a compact downtown, but retirement buyers should expect high-altitude living, elevated taxes, and a healthcare setup that relies on regional referral care.”

Breckenridge is best for an active retiree who values skiing, hiking, golf, and a walkable resort core more than low costs or big-city convenience. The tradeoffs are clear: housing and insurance can be expensive, the town sits at very high elevation, and many specialized healthcare and airport trips require longer drives into the Front Range or Vail corridor.

Cost of living & taxes Mountain resort living brings high local taxes and a high-cost regional price environment.

Breckenridge’s combined sales tax rate is 8.875%, made up of 2.50% town tax, 2.90% state tax, 2.00% Summit County tax, 0.75% mass transportation tax, and 0.725% housing authority tax (Town of Breckenridge[1]). The Town of Breckenridge is a home-rule jurisdiction, so town taxes are remitted directly to the town (Town of Breckenridge[2]). The Denver-Aurora-Lakewood metro CPI-U was up 4.0% year over year in September 2026, the closest published metro inflation series for Breckenridge (BLS[3]); city-level median home price and groceries index are not given here.

Healthcare access Breckenridge has local emergency access, but most serious specialist care is regional.

Vail Health Hospital is about 1.2 miles, or 3 minutes, from a Breckenridge address listing (Apartments.com[4]). That makes day-to-day urgent care feasible locally, but the town’s mountain setting means retirees should plan on regional referral care for many specialties rather than expecting a full local tertiary center. A full list of nearby specialist groups or Medicare Advantage plan options for Breckenridge is not given here.

Climate & weather Cool summers, cold winters, and lots of snow define the Breckenridge climate.

Summit County’s official community page says the county sees about 250 inches of annual snow, with average temperatures around 68° in summer and 30° in winter (Summit County[5]). NOAA climate normals are available for the Breckenridge station, but the annual precipitation total and sunny-day count are not given here (NOAA NCEI[6]). In practical terms, the comfort season is strongest from late spring through early fall, while winter is a true snow season with mountain-town conditions.

Crime & safety A Breckenridge agency crime series is not given here.

Violent and property crime rates for Breckenridge, along with a 3-year trend, are not given here. Breckenridge’s local agency reported data or county-level FBI data is not given here. As a result, this topic is intentionally left without unsupported numbers.

Housing market Breckenridge is a very expensive retirement market, with city median list prices around $1.18M to $1.39M and homes typically taking 58 to 72 days to go pending or sell.

Breckenridge’s recent median list price is about $1.18M on Zillow and $1.39M on Realtor.com, while median days to pending or on market are roughly 58 to 72 days, depending on the source and measurement window (Zillow[7]; Realtor.com[8]). The YoY price trend is mixed but mostly softening, Zillow shows home values up 1.7% year over year while Realtor.com shows median listing price down 10.71% year over year, which suggests a split between transaction values and asking prices (Zillow[7]; Realtor.com[8]). Local market reports put the median days on market around 126 days in one Breckenridge report and 44 days countywide in Summit County, so resale speed depends heavily on property type, pricing, and the specific micro-location (Summit Colorado Realty[9]; Lucky Mountain Home[10]). Breckenridge does not have a local Del Webb equivalent, and any age-restricted options appear to be small HOA-driven associations rather than purpose-built active-adult developments (Own Luxury Homes[11]).

Airport & travel Denver International is the main commercial gateway, with Eagle as the closer regional fallback.

Denver International Airport is the primary commercial airport for Breckenridge, and the resort’s own page says Breckenridge is 104 miles west of DEN with about a 2-hour drive via I-70 and CO-9 (Breckenridge Resort[12]). Peak 1 Express says the DEN trip is roughly 2 to 2.5 hours and supports frequent year-round shuttle service (Peak 1 Express[13]). Eagle County Regional Airport is a nearer regional option with nonstop service from multiple hub cities, but specific routes are not given here (Eagle County Regional Airport[14]).

Golf & recreation Golf is limited but the outdoor recreation stack is excellent year-round.

A government count of public golf courses within 30 minutes of Breckenridge is not given here. Summit County has four major ski areas, portions of the White River National Forest, and two designated wilderness areas (Summit County[5]). That makes Breckenridge especially strong for hiking, skiing, and alpine access even if golf options are comparatively limited and seasonal.

Community & demographics Breckenridge is a small, high-elevation resort town with a mostly adult, owner-occupied household base.

The U.S. Census Bureau’s QuickFacts for Summit County show a 69.2% owner-occupied housing unit rate and 8.9% foreign-born persons for 2019-2023 (Census QuickFacts[15]). Summit County’s 2020 population was 31,055, and the county’s official planning page shows Breckenridge at 5,078 permanent residents in 2020 (Summit County[16]). Breckenridge retiree share and median age are not given here. The town is compact, mountain-oriented, and built around a walkable resort core rather than suburban sprawl.

Hazard & air quality Summit County’s published FEMA risk profile is modest overall, but wildfire smoke remains a practical seasonal issue.

Summit County has a FEMA National Risk Index score of 60.2, with wildfire, flood, tornado, and earthquake components listed (RiskByCounty summary of FEMA NRI[17]). Another county source describes Summit County as relatively low overall risk and specifically notes wildfire as very low in its model breakdown, while riverine flooding and winter weather remain more relevant than hurricanes in this inland county (Plain Hazard[18]). For air quality, Colorado’s official smoke guidance says wildfire smoke can push conditions into unhealthy categories and that residents should watch for rapid changes during smoke episodes (Colorado AQI / smoke guidance[19], Colorado Smoke Outlook[20]). An EPA annual-good-days table for Breckenridge is not given here.

Sources (21)

Numbered sources are the ones cited inline above.

  1. Town of Breckenridge sales tax distribution
  2. Town of Breckenridge sales tax
  3. BLS CPI Denver-Aurora-Lakewood
  4. Breckenridge address listing with hospital distance
  5. Summit County community page
  6. NOAA NCEI Breckenridge monthly normals
  7. Zillow Breckenridge home values
  8. Realtor.com Breckenridge market report
  9. Summit Colorado Realty Breckenridge market report
  10. Lucky Mountain Home Summit County market data
  11. Own Luxury Homes 55 plus communities in Breckenridge
  12. Breckenridge Resort getting here
  13. Peak 1 Express Breckenridge shuttle schedules
  14. https://www.flyvail.com/
  15. Census QuickFacts Summit County, CO
  16. Summit County population and build-out
  17. Colorado FEMA NRI county summary
  18. Summit County hazard summary
  19. Colorado wildfire air quality guidance
  20. Colorado Smoke Outlook

Also consulted, not cited inline.

Cost of living

108.3 cost-of-living index for a retired household (100 = U.S. average) — about 8.3% above the national average for retirees.

Groceries102.5
Housing118.2
Utilities85.5
Transportation95.1
Healthcare114.8
Misc. goods & services114.1

General-population composite: 109.0. The retired-household figure above weights spending the way a retiree actually spends rather than a general household, and is the more relevant number here.

C2ER Cost of Living Index (Expanded Edition), 2026 Q2 (as of 2026). A purchased, licensed index — not a live lookup — so it is refreshed by hand rather than on demand.
Breckenridge is not tracked separately by C2ER; using the nearest covered market, Denver CO (~59 miles).

Census figures

American Community Survey, 2020–2024 five-year estimates

Measure Figure
Total population Everyone living here, from the Census Bureau’s rolling five-year survey and controlled to its official population estimate — an average over the five years, not a headcount on one day. Source: Table B01001 on data.census.gov ↗ 4,959 plus or minus 22
Share of population aged 65+ calculated Residents aged 65 and over as a share of all residents, added up from the survey’s age brackets. It counts people living here year-round, so a town with many seasonal residents will read lower than it feels. Source: Table B01001 on data.census.gov ↗ 22.2% plus or minus 6.8 percentage points This is a survey estimate and its margin of error is wide — about 31% of the figure itself, usually because the town is small. Treat it as a rough indication rather than a number to compare.
Median household income The midpoint of what households here earned over the twelve months before they were surveyed — half earned more, half less. Not an average, and not per person: a household can be one earner or five. Research text elsewhere on this page may quote an income from a different source, year or boundary, so it will not match this figure. Source: Table B19013 on data.census.gov ↗ $138,191 plus or minus $74,981 This is a survey estimate and its margin of error is wide — about 54% of the figure itself, usually because the town is small. Treat it as a rough indication rather than a number to compare.
Median home value The midpoint of what owners estimate their own homes are worth, across owner-occupied homes only. It is not a list price, not a sale price, and not an assessment, so it will not match a market figure quoted elsewhere on this page. Source: Table B25077 on data.census.gov ↗ $1,012,700 plus or minus $535,568 This is a survey estimate and its margin of error is wide — about 53% of the figure itself, usually because the town is small. Treat it as a rough indication rather than a number to compare.
Median gross rent The midpoint of rent plus tenant-paid utilities across occupied rental homes — what sitting renters pay, not what is being advertised to someone moving in today. Source: Table B25064 on data.census.gov ↗ $1,752 plus or minus $529 This is a survey estimate and its margin of error is wide — about 30% of the figure itself, usually because the town is small. Treat it as a rough indication rather than a number to compare.
Median real estate taxes paid The midpoint of the property tax actually paid by owner-occupied households, which reflects what they own and any exemptions they hold. It is not the rate a new buyer would pay on a purchase at today’s price. Source: Table B25103 on data.census.gov ↗ $4,186 plus or minus $1,136
Owner households spending 30%+ of income on housing calculated Owner households whose monthly housing costs — mortgage, taxes, insurance, utilities — take 30% or more of their income, out of the owner households for which that ratio can be computed. Renters are not in this figure. Source: Table B25091 on data.census.gov ↗ 28.9% plus or minus 12.4 percentage points This is a survey estimate and its margin of error is wide — about 43% of the figure itself, usually because the town is small. Treat it as a rough indication rather than a number to compare.

2 of 7 figures are precise enough to compare with another town. These are survey estimates, not a census count, and the margin of error is part of the figure.

Key details

RegionCO
AirportDEN - about 2 hr (major hub)
ClimateCold-snow mountain climate; ~250 in snow; summer ~68°, winter ~30°
Lot size0.08–0.25 ac (compact, low-maint.)
Home type1,700–2,400 sq ft mountain single-family home
Key watchAltitude and winter driving; wildfire smoke and insurance costs; high local taxes
HealthcareVail Health Hospital nearby; serious care = Vail / Denver
Best seasonJune – September; also ski season for winter sports
Top communityWarrior's Mark, The Highlands, Peak 7, Breckenridge West, Breckenridge Park Estates

In your free trial: more on Breckenridge

Retirement taxes: Social Security, pensions and IRA withdrawals partly taxed · Typical home: $650K–$1.1M

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