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St George, UT

Year-round Destination

One of the cities every new account starts with, 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 9
Outdoor 9
Healthcare 7.5
Airport 6.5
Climate 8.5
Safety 8
Natural Hazard Safety 4.5
Air Quality 5.5
Community character 8
Restaurant / Bar Scene 8.1

Research

openai/gpt-5.4-mini

“St. George is a fast-growing, sun-baked Southwest Utah retirement market with low state taxes, strong outdoor recreation, and rising climate/insurance pressures.”

St. George offers a very attractive retiree lifestyle for active buyers who want warm winters, golf, and Zion-region access, backed by Utah’s comparatively low tax structure and rapid population growth. The tradeoffs are heat, wildfire/water stress, and a metro that is smaller than many country-club retirees expect, with specialized care and major-airport access requiring some regional travel.

Cost of living & taxes Low state tax burden helps, but Utah sales tax and home costs still matter.

Utah’s statewide sales tax is 4.85%, and St. George’s combined local rate is 6.75% (Utah.gov[1]). Washington County property tax is relatively low; one county assessor-based rollup shows a St. George median effective rate of 0.35% and a median tax amount of about $1,731 on a city rollup, while another Washington County city rollup shows Saint George near 0.36% and $1,906 (AssessorSearch[2]). Utah’s state income tax is flat at 4.5% per a current tax guide, and the same source says there is no city or county income tax in St. George (CountryTaxCalc[3]). I could not confirm a city-specific grocery index from an agency page in the retrieved sources, so I’m omitting that figure rather than risk using a reseller.

Healthcare access Good local access for routine care; major specialist care is still regional.

St. George residents have Medicare-care access through the St. George regional hospital market, but I could not verify a specific hospital-system quality page with drive times from an official source in the retrieved material, so I’m not going to overstate the local system details. The official Medicare Care Compare site confirms that hospital quality data are available there for nearby providers (Medicare.gov[4]). For specialist or higher-acuity needs, retirees commonly end up using larger regional referral centers outside St. George; however, I do not have a retrieved official source here that cleanly confirms the nearest major tertiary-center drive time, so that figure is omitted. Medicare Advantage plan availability is also plan-year specific and would need a current Medicare plan lookup before naming options responsibly.

Climate & weather Hot, dry, and very sunny—great for winter golf, tougher in summer.

NOAA’s climate normals portal is the correct source for station-based 30-year temperature and precipitation normals, but the retrieved results did not expose the actual St. George station values in a quoteable way (NOAA NCEI[5]). The nearest local weather station result retrieved was St George Regional Airport observations, which confirms the airport/station geography but not full normals (NWS[6]). Because I cannot confirm the annual precipitation, average summer highs, winter lows, and sunny-day count from a retrievable official page in this run, I’m not inventing numbers; the reliable high-level takeaway is that St. George is a warm, arid southern Utah market with a long shoulder season for outdoor activity.

Crime & safety Crime is better than national averages, but the FBI city feed could not be opened directly here.

The only retrieved crime figure available here comes from a third-party site that says it is sourced from the FBI Crime Data Explorer: over 2019–2024, St. George’s violent-crime rate averaged 84.0 per 100,000, which it says is 20.9% below the national average, and property crime averaged 80.2 per 100,000, or 51.0% below the national average (Crime Explorer[7]). I was not able to directly open the FBI Crime Data Explorer page in this run, so I cannot independently confirm the city trend line or whether a St. George agency report is complete for the last three years. Because your instructions require plainly saying when direct FBI reporting cannot be confirmed, the safest interpretation is that St. George appears lower-crime than the U.S. average, but the FBI source needs a fresh direct check before using it in final relocation math.

Housing market St. George’s housing market is still expensive for retirees, with a $623,000 metro median list price and long-enough marketing times that luxury resale can take patience.

The St. George metro’s median list price was $623,000 in July 2026, and that figure was up 0.3% year over year (FRED/FHFA-linked market series[8]) and corroborated in a local market report that described July as the slowest month in two years (StGeorge.us market report[9]). Homes in St. George were taking a median 64 days on market in Realtor.com’s local market page, while a 55+ community-specific source said listings in St. George’s active-adult communities stayed on the market around 210 days, signaling a much thinner resale pool for age-restricted product (Realtor.com St. George market[10]) (55places St. George 55+ communities[11]). The presence of active-adult inventory is well established, including a dedicated St. George 55+ communities page and local market coverage that specifically references Sun River and other retirement-oriented neighborhoods (55places St. George 55+ communities[11]) (Realtor.com St. George market[10]).

Airport & travel St. George is linked to a small local airport, with Salt Lake or Las Vegas for bigger networks.

The local commercial airport is St. George Regional Airport, and the National Weather Service observation page confirms the airport station identifier KSGU (NWS[6]). I do not have a retrieved official route map or schedule page in this run that would let me safely list current nonstop destinations, so I’m not going to guess at direct flights to Midwest or East Coast hubs. For a retiree who flies often, that means St. George is convenient for regional trips, but broader hub connectivity likely depends on connecting through larger airports.

Golf & recreation A strong golf town for winter play, plus desert hiking and Zion access.

I could not retrieve a government golf database because none exists, so golf here has to be treated as indicative rather than authoritative. St. George is nonetheless widely known as a golf-heavy market, and the area’s lower-elevation desert setting makes it a strong winter-golf destination; the broader recreation draw is immediate access to hiking and canyon country around Zion, which is the main non-golf lifestyle amenity. I do not have a verified course-count source in this run, so I’m not stating a number of public courses within 30 minutes.

Community & demographics Fast growth, older-leaning demographics, and a small-city feel with big outdoor access.

St. George’s population was 95,342 in the 2020 Census and 104,578 in the July 1, 2023 Census estimate (Census QuickFacts[12]). A third-party census-based profile reports a median age of 38.3 and a 2025 population estimate of 108,713, while also showing median household income of $76,508 (City profile[13]); that age profile suggests a city that is older than a typical growth-market suburb but still younger than many classic retiree havens. The city is the county seat of Washington County, and the same profile shows it continues to grow rapidly, which supports a market with improving amenities but also more traffic and a less sleepy feel.

Hazard & air quality Wildfire is the standout hazard, and county-level FEMA risk is elevated.

FEMA’s National Risk Index is published at the county level, and the official FEMA page explains that the tool reports overall and hazard-specific risk for counties and Census tracts (FEMA[14]). The retrieved county-rank pages show Washington County, Utah with a composite risk score around 92.8 and wildfire as the top hazard; the county is described as relatively moderate overall but with very high wildfire exposure in the summary data (DisasterRiskIndex[15], RiskByCounty[16]). On air quality, I could not retrieve a usable official EPA annual-good-air-days page in this run, so I’m not going to invent an AQI statistic; practically, wildfire smoke is the main seasonal air-quality concern for southern Utah.

Sources (16)

Numbered sources are the ones cited inline above.

  1. Utah combined sales and use tax rates
  2. Washington County property tax rollups
  3. Utah tax guide
  4. Medicare Care Compare hospitals
  5. NOAA U.S. Climate Normals
  6. St George Regional Airport observations
  7. Crime Explorer St. George
  8. FHFA-linked median listing price series for St. George, UT metro
  9. St. George housing market report
  10. Realtor.com St. George housing market
  11. 55places St. George 55+ communities
  12. Census QuickFacts St. George
  13. St. George city profile
  14. FEMA National Risk Index
  15. Utah county disaster risk summary
  16. Utah risk by county summary

Cost of living

95.3 cost-of-living index for a retired household (100 = U.S. average) — about 4.7% below the national average for retirees.

Groceries97.8
Housing97.6
Utilities82.3
Transportation103.9
Healthcare87.6
Misc. goods & services96.4

General-population composite: 99.1. 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.
St George is not tracked separately by C2ER; using the nearest covered market, Cedar City UT (~49 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 ↗ 101,995 plus or minus 39
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 ↗ 21.8% plus or minus 1.2 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 ↗ $76,508 plus or minus $4,339
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 ↗ $496,100 plus or minus $12,652
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 ↗ $1,545 plus or minus $81
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 ↗ $2,122 plus or minus $67
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 ↗ 21.3% plus or minus 2.4 percentage points

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

RegionUT
AirportSGU — 20 min (regional)
ClimateHot semi-arid; very sunny; low rainfall; best Oct–Apr
Lot size0.18–0.35 ac low-maintenance HOA lot
Home type2,800–4,000 sq ft ranch or modern desert contemporary
Key watchSummer heat; wildfire smoke/insurance; fast growth and traffic
HealthcareLocal regional hospital market; serious specialty care often needs Salt Lake or Las Vegas
Best seasonOctober – April
Top communityEntrada, The Ledges, Stone Cliff, Dixie Springs, Coral Canyon

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