Why Delaware, Ohio Is the Most Expensive Retirement Spot in the Midwest — And Whether It’s Worth It in 2025
For decades, the Midwest has served as the go-to region for retirees seeking affordability, safety, and a slower pace of life. But one town has taken everyone by surprise: Delaware, Ohio — a charming community located just north of Columbus — now ranks as one of the most expensive retirement destinations in the entire region. With rising housing prices, elevated healthcare costs, and noticeable tax burdens, many retirees are asking the same question: Is Delaware really worth the premium?
This comprehensive analysis explores why Delaware has become so costly, what benefits justify those expenses, and how retirees can determine whether this picturesque town aligns with their long-term financial and lifestyle goals.
Understanding the True Cost of Retiring in Delaware, Ohio
Delaware’s prices stand out in a region traditionally known for modest living expenses. Retiring here means preparing for higher-than-average costs in housing, healthcare, taxes, and everyday living essentials.
1. The Housing Market: A Major Price Shock
Housing is one of the biggest reasons Delaware tops the list of expensive retirement areas. As of 2025, the median home value in Delaware County reached $419,500, more than 1.5 times Ohio’s statewide median home listing price of $275,525.
- Strong demand fueled by proximity to Columbus
- Limited inventory of senior-friendly homes
- Growing popularity among higher-income commuters
For retirees hoping to downsize, this price point can feel overwhelming — especially when competing buyers include remote workers and professionals willing to pay a premium for suburban living near Ohio’s capital.
2. Healthcare Costs That Outpace the Midwest
Retirees must prioritize medical access, and Delaware offers excellent options — but at a higher cost. In 2019, Delaware County residents spent an average of $9,137 per person annually on healthcare, nearly 20% above the Ohio state average.
Senior-specific medical spending is even higher:
- Women 65+: $16,000–$24,000 per year
- Men 65+: $19,000–$26,000 per year
With three local hospitals and more than 540 healthcare providers, the quality is excellent — but retirees must factor in these elevated costs when calculating their long-term budgets.
3. Tax Burdens That Add Up Quickly
Despite its small-town charm, Delaware is no tax haven. Residents face several ongoing obligations:
- Effective property tax rate: 1.6439% (higher than Ohio average)
- City-level income tax: 1.85%
- Ohio state income tax: 2.75%–3.5%
- Combined sales tax: approximately 7.24%
These expenses can significantly strain retirees living on fixed incomes or relying heavily on savings and Social Security benefits.
What Makes Delaware, Ohio So Appealing Despite the Price?
If Delaware is so expensive, why do retirees still flock to it? The answer lies in a blend of lifestyle benefits, safety, and convenience rarely found in one package.
1. Close Proximity to Columbus
Being only 30 minutes from Columbus provides retirees with:
- World-class healthcare and specialists
- High-end dining and entertainment
- Top-ranked universities and cultural institutions
- Easy airport access via John Glenn Columbus International Airport
Retirees enjoy metropolitan amenities without sacrificing a peaceful residential environment.
2. High Quality of Life
Delaware’s historic downtown, boutique shops, parks, and walkable neighborhoods make it feel like a “storybook” Midwest town. The county ranked among the healthiest and safest in Ohio, offering excellent recreational activities and attractive community events.
- Low crime rates — 49% lower than the Ohio average
- Diverse arts and entertainment venues
- Strong community engagement and volunteer culture
3. A Safe, Welcoming Retirement Destination
Safety remains a top priority for retirees, and Delaware consistently scores well in national safety ratings. Crime levels are 56% lower than the U.S. average, making it especially appealing to seniors seeking peace of mind.
Is Delaware, Ohio Worth the Cost for Retirees?
The answer depends heavily on your financial position, lifestyle preferences, and willingness to accept a higher cost of living in exchange for greater convenience and amenities.
✔ Who Will Benefit from Retiring in Delaware
- Retirees with strong pensions or investment income
- Those wanting big-city access without big-city living
- Seniors who value walkability, safety, and medical access
- Individuals seeking cultural enrichment and active social communities
✘ Who May Struggle in Delaware
- Retirees on tight fixed incomes
- Those hoping for low-cost housing or downsizing options
- Seniors with high healthcare needs but limited savings
- Anyone wishing to avoid high tax and insurance expenses
For many retirees, Delaware's benefits may justify the higher expenses — but only if their financial situation can comfortably support the lifestyle.
Comparing Delaware to More Affordable Midwest Retirement Options
If Delaware stretches your budget, the Midwest still offers excellent alternatives:
- Fort Wayne, Indiana — low cost of living, strong healthcare
- Green Bay, Wisconsin — affordable housing, vibrant community
- Cedar Rapids, Iowa — tax-friendly options, cultural amenities
- Springfield, Missouri — warm climate, low median housing prices
These cities deliver many of the same benefits without Delaware’s price tag.
Final Verdict: Should You Retire in Delaware, Ohio?
Delaware is an excellent retirement destination — but not a universally affordable one. It’s ideal for retirees who have:
- Strong savings and predictable income streams
- A desire to live near Columbus
- Prioritized safety, healthcare, and community engagement
For seniors on tighter budgets, Delaware may feel financially restrictive, especially with rising property taxes, elevated healthcare expenses, and limited affordable housing options.
Bottom line: Delaware, Ohio offers a premium retirement lifestyle — but it comes with a premium price. Understanding all costs and benefits ahead of time will help retirees make a confident, informed decision about whether this Midwest town is the right place to enjoy their next chapter.
Frequently Asked Questions
Is Delaware, Ohio affordable for middle-income retirees?
Generally no — unless retirees have strong Social Security income, pensions, or liquid savings to offset high housing and healthcare costs.
Does Delaware offer senior housing or 55+ communities?
Yes, but inventory is limited. In mid-2025, only 18 homes listed on Zillow belonged to 55+ communities.
Why are home prices so high in Delaware?
Its proximity to Columbus, low crime rate, and limited available housing stock all contribute to price inflation.
Is Delaware safer than most Ohio towns?
Yes. It has significantly lower crime rates compared to both state and national averages.
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