Retiring to Indian Rocks Beach, Florida: the town in Census figures
For Americans thinking of retiring to Indian Rocks Beach, Florida, from another state or instead of a move abroad.
Not a US citizen or resident? The US has no retirement visa, and Medicare and these tax figures assume US residency. What applies to you →
Pros and cons of retiring in Indian Rocks Beach, Florida
Each figure against its state's published tax rules: a pro is better than most, a con worse than most, and a figure within 5% of the middle gets no verdict. Every figure is sourced and dated.
Pros
- No state income tax: Florida levies no state income tax on the example retired couple's Social Security, pension or IRA income (2025 rules), one of 9 states that levy none. Florida Department of Revenue, Tax Information for New Residents (GT-800025, R. 08/25) · 2026-10-26
Cons
No figure for Indian Rocks Beach, Florida is worse than most US states by our rule.
Indian Rocks Beach has 3,664 residents, 1,358 of them aged 65 or older (37.1 %, ± 5.5 points), higher than the US share of 17.2 %, by the Census Bureau's American Community Survey, 2020–2024. US Census Bureau, American Community Survey 2020–2024 5-year estimates, tables B01001 and B09020, place
Last updated
Indian Rocks Beach in Census figures
Every figure below is Indian Rocks Beach's own — residents inside the Census Bureau's 2024 boundary of Indian Rocks Beach. Each comes from the American Community Survey, a sample, so each carries its 90 % margin of error.
| Figure | Indian Rocks Beach |
|---|---|
| Residents | 3,664 (± 22) US Census Bureau, American Community Survey 2020–2024 5-year estimates, table B01001, place · figure for 2020–2024 |
| Residents aged 65 or older | 1,358 (± 201) US Census Bureau, American Community Survey 2020–2024 5-year estimates, table B09020, place · figure for 2020–2024 |
| Share of residents aged 65 or older | 37.1 % (± 5.5 points) US Census Bureau, American Community Survey 2020–2024 5-year estimates, table B09020, place · figure for 2020–2024 |
| Residents aged 65 or older who live alone | 264 (± 94), 19.4 % of residents aged 65 or older (± 6.3 points) US Census Bureau, American Community Survey 2020–2024 5-year estimates, table B09020, place · figure for 2020–2024 |
| Median age of residents | 58.6 years (± 2.6) US Census Bureau, American Community Survey 2020–2024 5-year estimates, table B01002, place · figure for 2020–2024 |
| Residents aged 65 or older living in group quarters (nursing homes and similar) | 0 (± 15) US Census Bureau, American Community Survey 2020–2024 5-year estimates, table B09020, place · figure for 2020–2024 |
| Median yearly income of households headed by someone aged 65 or older | USD $75,231 ($67,803–$82,659), a year US Census Bureau, American Community Survey 2020–2024 5-year estimates, table B19049, place · figure for 2020–2024 |
| Median monthly rent, utilities included | USD $1,863 ($1,620–$2,106), a month US Census Bureau, American Community Survey 2020–2024 5-year estimates, table B25064, place · figure for 2020–2024 |
| Median value of an owner-occupied home, as its owner estimates it | USD $738,800 ($680,093–$797,507) US Census Bureau, American Community Survey 2020–2024 5-year estimates, table B25077, place · figure for 2020–2024 |
| Median yearly property tax paid by home-owners | USD $4,639 ($4,339–$4,939), a year US Census Bureau, American Community Survey 2020–2024 5-year estimates, table B25103, place · figure for 2020–2024 |
Where Indian Rocks Beach sits
Indian Rocks Beach lies in Pinellas County, Florida.
Pinellas County figures — these describe the whole county, not Indian Rocks Beach alone
The Census publishes no safety, healthcare-access, climate or hazard figure for a single town, so these are Pinellas County's, each against every US county holding the same figure.
| Criterion | Pinellas County |
|---|---|
| Cost of living BEA price level, all items (US = 100); lower is better |
100.9
Cheaper than 7% of the other 3,142 US counties BEA Regional Price Parities 2024, all items, Tampa-St. Petersburg-Clearwater, FL metropolitan area · figure for 2024
|
| Taxes on a retired couple state and local tax on the example retired couple, USD a year; lower is better |
USD $2,438
Lower than 69% of the other 3,110 US counties The state's published 2025 income-tax rules, the county's own local income tax where one is levied, and the county's Census ACS property-tax ratio, applied to the example household · figure for 2025
|
| Healthcare access share of residents 65+ living in a county with a 4- or 5-star CMS hospital; higher is better |
4 hospitals in the county rated 4 or 5 stars by CMS CMS, Hospital General Information (Care Compare), hospital overall star rating, release of 13 Aug 2026 · figure for 2026 |
| Safety homicides per 100,000 a year, 2020–2024, by state of residence; lower is better |
4.9 per 100,000 a year
Lower than 72% of the other 767 US counties CDC WONDER, Underlying Cause of Death 2018-2024 (Single Race, final), by county of residence · figure for 2024
|
| Climate months a year whose mean daily high is 18–29 °C (64–84 °F), 1981–2010; more is better |
10.0 months a year
More than 100% of the other 3,143 US counties CHELSA V2.1 monthly maximum temperature, 1981-2010 (~1 km), averaged over the county, Karger et al. · figure for 2010
|
| Natural-hazard risk expected yearly loss to buildings from natural hazards, per USD $1,000 of buildings; lower is better |
USD $1.39 per USD $1,000 of buildings
Lower than 45% of the other 3,143 US counties FEMA, National Risk Index v1.20 (December 2025), county expected annual loss to buildings (EAL_VALB) · figure for 2025
|
What Medicare costs in Pinellas County, Florida
For the published example couple, both 67 and married: what Medicare premiums cost a year for two in Pinellas County, Florida, and the most a bad year can cost. What care itself costs depends on a person's health, so it is not estimated here.
Medicare Advantage, with drug coverage
USD $4,870 a year for two in premiums (from USD $4,870)
At most USD $15,170 in a bad year (from USD $6,870), with each person's in-network out-of-pocket maximum
The middle of the 39 plans offered here; "from" is the lowest premium among them.
Original Medicare, with a drug plan
USD $7,894 a year for two in premiums (from USD $4,997)
Medigap: no federal price list — not in this total.
No yearly maximum on Original Medicare alone.
Part B for two, plus the middle of the 11 standalone drug plans offered in the state.
The 2027 Part B premium is not yet published (CMS usually publishes it in November); 2026's is used.
Source: CMS, Medicare Advantage and Part D Landscape, plan year 2027; CMS, 2026 Medicare Parts A & B Premiums and Deductibles (fact sheet, 14 Nov 2025).
Other places in Pinellas County
- Bardmoor
- Bay Pines
- Belleair
- Belleair Beach
- Belleair Bluffs
- Clearwater
- Dunedin
- East Lake
- Greenbriar
- Gulfport
- Kenneth City
- Largo
- Madeira Beach
- Palm Harbor
- Pinellas Park
- Redington Shores
- Safety Harbor
- Seminole
- South Pasadena
- St. Pete Beach
- St. Petersburg
- Tarpon Springs
- Tierra Verde
- Treasure Island
- West Lealman
Why Indian Rocks Beach has a page
Indian Rocks Beach is on ExpatAlmanac because the Census Bureau's 2020–2024 American Community Survey puts at least 20 % of its residents at 65 or older, even at the low end of the survey's 90 % margin, with at least 500 residents aged 65 or older. That share is shown as a Census figure; it ranks nothing and says nothing about why anyone lives there.
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