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Evergreen, CO

Year-round 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 8
Outdoor 9
Healthcare 7
Airport 7.5
Climate 7
Safety 7.5
Natural Hazard Safety 4.5
Air Quality 6.5
Community character 10
Restaurant / Bar Scene 5.4

Research

AI research, with sources

“Evergreen, CO is a mountain-foothills retirement option with strong scenery, good access to Denver healthcare and airports, and a generally affluent, active community, but wildfire exposure, winter driving, and higher housing costs are important tradeoffs.”

Evergreen offers a high-quality mountain lifestyle within reach of the Denver metro, with an older-than-average population, above-average household income, and easy access to major medical care in Denver. The main cautions for retirees are wildfire risk in Jefferson County, winter weather and mountain-road driving, and housing that is typically priced above a $550K to $700K target for move-in-ready single-family homes.

Cost of living & taxes Mountain-adjacent living is affluent, taxed like the rest of Colorado, and the home you want usually costs more than the target budget.

Evergreen’s median household income was $148,665 in the 2019-2023 ACS, and median per capita income was $75,656 (Census QuickFacts[1]). Colorado’s state income tax is a flat 4.4% and the state sales tax is 2.9%, before county and local add-ons (Colorado Dept. of Revenue[2?] (unconfirmed source)) (Colorado Dept. of Revenue sales tax[3?] (unconfirmed source)).

For housing, a 2024 data profile put Evergreen’s median property value at $829,400, which is above the retiree target for a comfortable, move-in-ready single-family home (Data USA[4]). Jefferson County’s 2022 profile also shows a residential property assessment ratio of 7.15% and discusses local mill levies, but those are county-level tax mechanics rather than a city-specific rate (Metro Denver JEFFCO profile[5]).

Healthcare access Primary care and emergency access are solid, but most specialized and hospital-level care points into Denver.

The nearest clearly identified full-service hospital to Evergreen is AdventHealth Porter in Denver, at 2525 South Downing Street, which describes itself as a full-service hospital with 24/7 emergency care (AdventHealth Porter[6]). From Evergreen, that is typically a Denver-side drive rather than a local mountain-town hospital trip; for serious specialist care, residents generally head into the Denver medical corridor (AdventHealth Porter services[7]).

For specialist availability, AdventHealth Porter says it offers world-renowned GI specialists and advanced endoscopic procedures, and it accepts Medicare Advantage plans among other major insurance lines (AdventHealth Porter digestive care[8]) (AdventHealth Porter behavioral medicine[9]). HRSA’s shortage-area tools confirm you should still check address-level primary care and behavioral-health access before relocating, because shortage designations are location-specific (HRSA HPSA tools[10]).

Climate & weather Evergreen has a cool mountain climate with decent summer warmth, cold winters, and a shorter outdoor season than lower-elevation Front Range towns.

Homes.com’s local guide lists Evergreen-area annual precipitation at 21 inches, average summer highs at 88°F, winter lows at 21°F, and annual snowfall at 65 inches (Homes.com Evergreen guide[11]). NOAA’s climate-normals system confirms that official climate normals are station-based 30-year averages, so any exact Evergreen figure should be tied to a nearby observing station rather than the town name alone (NOAA Climate Normals[12]).

For retiree comfort, that points to pleasant shoulder seasons and a summer window that is good for outdoor activity, with winter conditions that can be snowy and chilly, especially by Colorado foothills standards (Homes.com Evergreen guide[11]).

Crime & safety Use caution with crime comparisons, because Evergreen-specific reporting tables are not given here.

The FBI Crime Data Explorer is the correct source for violent and property crime trends, but an Evergreen, CO agency table is not given here (FBI Crime Data Explorer[13?] (unconfirmed source)). Because agency reporting to UCR/NIBRS is voluntary and incomplete after 2021, it would be unsafe to substitute a third-party crime score for Evergreen if the city’s own reporting is not confirmed.

Jefferson County is the proper fallback geography when city reporting is unavailable, but a county crime table is not given here. Crime statistics should be verified directly in the FBI portal for Evergreen or, if absent, Jefferson County before making a move decision (FBI Crime Data Explorer[13?] (unconfirmed source)).

Housing market Evergreen, CO is a high-price, active market with a median list price around $1.04M and a 55+ community presence centered on Rocky Mountain Village.

Evergreen’s median listing price is $1,035,000, and the median days on market is 64 days, both reported for Evergreen in Jefferson County on Realtor.com’s local market page for September 2026 (Realtor.com[14]). Zillow’s Evergreen page shows a lower median list price of $938,483 with median days to pending of 50, suggesting a still-expensive but somewhat faster-moving market than the Realtor.com listing snapshot (Zillow[15]). Evergreen also has an age-restricted 55+ option, Rocky Mountain Village Estates, described as an active adult community in Evergreen, CO 80439 (Homes.com[16]).

Airport & travel Denver International is the practical commercial-airport answer, with major-hub connectivity that fits frequent retiree travel.

Evergreen is in the Denver metro orbit, and the obvious commercial airport is Denver International Airport, the region’s major hub (BTS Denver airport data[17?] (unconfirmed source)). For a retiree who values nonstops to Midwest and East Coast hubs, DEN is the key advantage, even though the drive from Evergreen is materially longer than a city-neighborhood airport trip.

Drive times for Evergreen to the nearest airport are not given here. The safe takeaway is that Evergreen trades mountain setting for an airport run that should be treated as a regional drive, not a quick local errand (BTS[17?] (unconfirmed source)).

Golf & recreation Golf is accessible, but Evergreen is more of an outdoors-and-day-trip base than a pure golf enclave.

An exact number of public courses within 30 minutes of Evergreen is not given here. What is clear is that the market’s recreation story leans heavily outdoors, with mountain hiking, winter snow, and easy access to Front Range recreation rather than a dense in-town golf scene.

Golf-specific course-level details for Evergreen are not given here. Evergreen is better suited to Denver-side course day trips than to a club-heavy golf destination.

Community & demographics Evergreen is an older, affluent mountain community with a relatively small-town feel and strong household incomes.

Evergreen’s 2020 Census population was 9,307, and Census QuickFacts shows 22.1% of residents were 65 or older (Census QuickFacts[1]). The same source shows a median household income of $148,665 and mean travel time to work of 27.9 minutes, which fits a commuter-and-retiree blend rather than a purely isolated mountain town (Census QuickFacts[1]).

A separate data profile places the median age at 45.6 and the 2024 population at 8,602, reinforcing the picture of a mature community rather than a young exurb (Data USA[4]). Evergreen has mountain character and an established feel, and it is a scenic foothills community with small-town amenities rather than a pedestrian urban district (Census QuickFacts[1]).

Hazard & air quality Jefferson County’s risk profile is dominated by wildfire exposure, while air quality is generally better than in many urban cores but can worsen in smoke season.

FEMA’s National Risk Index is the correct county-scale source for Jefferson County, not Evergreen city limits, but the Jefferson County score is not given in the snippet here (FEMA National Risk Index[18?] (unconfirmed source)). The composite risk score is not given here.

Colorado public-health climate data show Jefferson County has wildfire and extreme-precipitation exposure patterns, and Evergreen’s mountain setting makes wildfire the key concern rather than hurricane risk (Colorado Environmental Public Health Tracking[19]). Annual good-air-day counts are not given here; Evergreen’s air is usually strong outside wildfire-smoke episodes, but smoke-season severity can become the deciding factor in late summer (EPA AirNow[20?] (unconfirmed source)).

Sources (20)

Numbered sources are the ones cited inline above.

  1. Census QuickFacts: Evergreen CDP, Colorado
  2. Colorado Department of Revenue: Individual Income Tax
  3. Colorado Department of Revenue: Sales & Use Tax Rates
  4. Data USA: Evergreen, CO
  5. Metro Denver: Jefferson County 2022 Economic Profile
  6. AdventHealth Porter Hospital in Denver, CO
  7. AdventHealth Porter Services
  8. AdventHealth Porter Digestive Care
  9. AdventHealth Porter Behavioral Medicine
  10. HRSA Health Workforce Shortage Areas
  11. Homes.com Evergreen, CO local guide
  12. NOAA U.S. Climate Normals
  13. FBI Crime Data Explorer
  14. Realtor.com Evergreen housing market
  15. Zillow Evergreen home values
  16. Rocky Mountain Village Estates
  17. Bureau of Transportation Statistics
  18. FEMA National Risk Index
  19. Colorado Environmental Public Health Tracking: Climate Data
  20. EPA AirNow

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.
Evergreen is not tracked separately by C2ER; using Denver CO, in the same metro area (Denver-Aurora-Centennial, CO Metro Area).

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 ↗ 8,602 plus or minus 1,077
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 ↗ 23.9% plus or minus 2.4 percentage points
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 ↗ $150,417 plus or minus $27,769
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 ↗ $829,400 plus or minus $47,684
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 ↗ $1,959 plus or minus $191
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 ↗ $3,843 plus or minus $324
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 ↗ 25.9% plus or minus 6.6 percentage points This is a survey estimate and its margin of error is wide in absolute terms — the true figure could be anywhere from 19.2% to 32.5%, a range too broad to place this town against another. Treat it as a rough indication rather than a number to compare.

3 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 - ~1 hr 10 min (major hub)
ClimateCool mountain climate; ~21 in precip, ~65 in snow, summers warm, winters cold; best outdoor months late spring-fall
Lot size0.25–0.75 ac wooded lots
Home type2,000–2,700 sq ft ranch or walkout mountain home
Key watchWildfire insurance and defensible space; winter driving on mountain roads; higher-than-target home prices
HealthcareAdventHealth Porter; serious/specialist care = Denver
Best seasonMay - October
Top communityHiwan Hills, Bergen Park, Evergreen Meadows, Ridge at Hiwan, Dedisse Park area
RegionDescriptionMountain West (Jefferson County)

In your free trial: more on Evergreen

Retirement taxes: Social Security, pensions and IRA withdrawals partly taxed · Typical home: $750K–$950K

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