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Fairhope, AL

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 7
Outdoor 8
Healthcare 7.5
Airport 6.5
Climate 7
Safety 7.5
Natural Hazard Safety 3.5
Air Quality 6.5
Community character 10
Restaurant / Bar Scene 4.3

Research

AI research, with sources

“Fairhope offers an upscale, active-retirement feel on Mobile Bay, with strong community charm, golf, and outdoor access, but buyers should watch Gulf Coast insurance and humid summers.”

Fairhope is a desirable Eastern Shore retirement market with a walkable downtown feel, strong incomes, and a mature age profile, plus easy access to Mobile Bay recreation and several golf options. The main tradeoffs are higher-than-typical Gulf Coast insurance exposure, humid summers, and a local housing market that tends to favor well-kept, higher-end homes over bargain pricing.

Cost of living & taxes Fairhope is not a low-cost market, with strong household incomes and Alabama's comparatively modest state tax structure helping offset some of the expense.

Fairhope's ACS median household income is $94,274 and median age is 48.2, which signals a relatively affluent, established market rather than a low-cost one (Census Reporter[1]). Baldwin County's current property-tax administration is county-run, and Alabama notes that owner-occupied residential property is assessed at 10% of appraised value, while local millage rates determine the final bill (Alabama DOR[2], Baldwin County Revenue Commission[3]). The state sales-tax system has a 4.0% general state rate, and Fairhope's local sales/use rates are added on top, so everyday purchases are not especially cheap (Alabama DOR[4], Alabama DOR local rates report[5]).

Healthcare access Fairhope has local hospital access in town, but tertiary specialist care still points to the broader Mobile area.

The best-confirmed local hospital reference in Fairhope is Thomas Hospital, which is listed as a local acute-care hospital with emergency services and specialty service lines such as cardiovascular care, stroke care, orthopaedics, vascular surgery, and therapy (Retirement Lists[6]). For broader specialist and hospital-system depth, Fairhope residents typically look to the Mobile metro, since Fairhope sits in the Daphne-Fairhope-Foley metro area and the local market is not a large academic medical center hub (Census Reporter[7]). Medicare Advantage plan availability for Fairhope is not given here.

Climate & weather Fairhope has a warm, humid Gulf Coast climate with long outdoor seasons and plenty of rain.

NOAA climate normals for Fairhope show about 65.8 inches of precipitation annually, with a typical July high near 89°F and January low near 39°F (PlainClimate summarizing NOAA normals[8], NOAA NCEI climate normals[9]). The normal frost-free season is about 251 days, and the no-hard-freeze season is about 284 days, which gives retirees a long window for golf and gardening (PlainClimate summarizing NOAA normals[8]). For comfort, the shoulder seasons are the sweet spot, because summer is hot and humid while winters are generally mild rather than harsh (PlainClimate summarizing NOAA normals[8]).

Crime & safety Fairhope’s local police department appears to report crime data, and property crime is the bigger watch item.

A city-level safety summary reports Fairhope police data for 2025 at 141 violent offenses per 100,000 residents and 1,243 property offenses per 100,000 residents (AreaProfile[10]). The same source says the area's violent-crime picture is better than the property-crime picture, which is the more relevant caution for a retiree focused on home security and package theft (AreaProfile[10]). A three-year FBI trend series for Fairhope is not given here.

Housing market Fairhope’s housing market is expensive for the Gulf Coast, with a median list price around $675K and homes typically taking about 62 days to sell.

Fairhope’s median listing price is $674,846, which is about 1.57% higher year over year, and homes show a median of 62 days on market, suggesting a balanced but not especially fast-moving market (Realtor[11]). Zillow’s Fairhope page shows a slightly lower median list price of $642,118 and a median days to pending of 44, indicating that well-priced homes can still move in under two months (Zillow[12]). For retirement-oriented buyers, active-adult inventory is present in and around Fairhope, including 55+ community listings such as South Bend Village in Fairhope from New Home Source (New Home Source[13]).

Airport & travel Mobile Regional is the nearest commercial airport, with Pensacola and Gulf Coast airports as practical backups for broader nonstop choices.

The nearest commercial airport is Mobile Regional, about 25 miles from Fairhope (AreaProfile[10]). That same source lists several airports within driving range, including VPS and CEW, which gives retirees a few options when fare shopping or avoiding connections (AreaProfile[10]). A current nonstop route map from an official airport or BTS page is not given here.

Golf & recreation Fairhope is a solid golf town for retirees, with multiple playable courses nearby and strong bay-side outdoor recreation.

Fairhope has golf as a real amenity, along with parks, a pier, trails, and bay access for boating and walking (Retirement Lists[6], AreaProfile[10]). Fairhope has at least one notable public golf option, Quail Creek Golf Course, plus private or semi-private club options in the wider Eastern Shore area. Golf figures are not government-published, so the recreation picture is indicative rather than authoritative.

Community & demographics Fairhope skews older, educated, and relatively affluent, with a strong small-town downtown identity.

Fairhope's ACS profile shows a population of 24,190, a median age of 48.2, and median household income of $94,274 (Census Reporter[1]). The community is clearly older than the U.S. overall, and the high owner-occupancy profile in local summary sites reinforces its reputation as a settled retirement-friendly market (UsaStateStats[14]). Editorially, Fairhope is widely described as an artsy Eastern Shore town with a walkable, character-rich downtown and Mobile Bay identity, which matches the retiree target well (Homes.com[15], Encyclopedia of Alabama[16]).

Hazard & air quality Fairhope's biggest risk profile is Gulf Coast storm exposure, especially hurricane and flood risk, while air quality is generally good but can worsen during smoke events.

Fairhope is in Baldwin County, and FEMA says the National Risk Index is published at the county level, not the city level, so the relevant hazard geography is Baldwin County (FEMA NRI[17]). Fairhope’s risk summary says hurricane and inland flooding are the largest contributors to expected annual loss, with hurricane accounting for the majority share, consistent with Gulf Coast exposure (AreaProfile[10]). Fairhope’s air quality profile is generally good, with no days above an AQI of 100 in the cited year, though the summary is a third-party synthesis rather than an EPA county report (AreaProfile[10]).

Sources (18)

Numbered sources are the ones cited inline above.

  1. Fairhope ACS profile
  2. Alabama property tax assessment
  3. https://www.baldwincountyal.gov/government/revenue-commission/faq
  4. Alabama sales and use tax rates
  5. Alabama local tax rates report
  6. Fairhope retirement profile
  7. Daphne-Fairhope-Foley PUMA profile
  8. Fairhope climate normals summary
  9. NOAA U.S. Climate Normals
  10. Fairhope area profile
  11. Realtor Fairhope market report
  12. Zillow Fairhope housing market
  13. New Home Source Baldwin County communities
  14. Fairhope community stats
  15. Fairhope local guide
  16. Encyclopedia of Alabama Fairhope entry
  17. FEMA National Risk Index

Also consulted, not cited inline.

Cost of living

97.4 composite index (100 = U.S. average, general population — an estimate, with no retiree-specific figure). About 2.6% below the national average overall.

Housing97.2
Utilities92.9

U.S. Bureau of Economic Analysis Regional Price Parities, 2024 (as of 2024). Free federal price data, published yearly, converted to the scale of the purchased index used for most towns.
Fairhope is not covered closely by the purchased index used for most towns. This is estimated from federal price levels for the Daphne-Fairhope-Foley, AL metro area, converted to the same scale as the other towns. Treat it as approximate.

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 ↗ 24,190 plus or minus 29
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 ↗ 26.0% plus or minus 2.9 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 ↗ $94,274 plus or minus $10,050
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 ↗ $430,900 plus or minus $31,104
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 ↗ $1,689 plus or minus $304
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 ↗ $1,758 plus or minus $207
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 ↗ 21.9% plus or minus 5.4 percentage points This is a survey estimate and its margin of error is wide in absolute terms — the true figure could be anywhere from 16.5% to 27.2%, 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

RegionAL
AirportMOB - 35 min (regional)
ClimateHumid subtropical; ~66" rain, summer highs ~89F, winter lows ~39F; best outdoors Oct-Apr
Lot size0.15-0.35 ac, usually landscaped but manageable
Home type1,900-2,600 sq ft single-level or low-maintenance cottage-style home
Key watchHurricane and flood insurance; humid summers; higher-end housing prices
HealthcareThomas Hospital in Fairhope; serious specialist care often means Mobile
Best seasonOctober - April
Top communityFruit & Nut district, Rock Creek, Point Clear, The Verandas, Fairhope Falls

In your free trial: more on Fairhope

Retirement taxes: Social Security not taxed · pensions and IRA withdrawals partly taxed · Typical home: $525K–$775K

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