Oracle, AZ 55+ Active Adult Retirement Communities

55+ communities in Oracle provide the perfect retirement location for active adults interested in a Southern Arizona small-town atmosphere. Residents enjoy access to a variety of outdoor recreation opportunities and a unique, local culture. The lower cost of living, abundant sunshine and friendly communities equals a popular retirement destination.

Climate & Geography

Oracle experiences hot, dry summers, and short, mild winters with very rare overnight frost. While the high-desert area may receive some snow and rainfall, precipitation is much lower than the national average. On average residents enjoy 288 sunny days throughout the year.

Recreation, Culture & Entertainment

For outdoor enthusiasts the 800+ mile Arizona Trail, the historical Oracle Ridge Hiking Trail, and Catalina State Park are nearby. Active adults can also enjoy birdwatching, hiking, camping, or mountain biking at one of the many natural areas nearby.

Fans of the arts and shopping enthusiasts also have several options in Oracle. The Oracle Piano Society hosts an annual musical festival, programs, and performances. The Rancho Linda Vista Artists Community has a public gallery with local exhibits. Residents who enjoy shopping can search local markets and shops to find hidden gems, locally produced goods, and collector’s items.

Tucson is just an hour drive away from Oracle, and Phoenix is just under two hours away. These larger cities provide ideal opportunities for day trips or weekend getaways.

Cost of Living & Taxes

Residents of 55+ communities Oracle's lower cost of living which is below both state and national averages. Housing costs are well below average, while all other indexes—groceries, health care, utilities, and transportation—are close to the national average.

Arizona is somewhat tax friendly for retirees, depending on the source of their retirement income. Social Security benefits are exempt from state taxes. However other forms of retirement income are fully taxed at rates ranging from 2.59 percent to 4.54 percent. Government pensions are eligible for an annual deduction, but all other pensions are subject to the full income tax. The combined sales tax in Oracle is 7.2 percent.

Health Care

Although there are no hospitals in town residents of 55+ communities in Oracle have easy access to nearby Oro Valley Hospital. The hospital rates as high performing by U.S. News in three procedures and conditions. Oro Valley Hospital ranks as .# 2 in Tucson and #10 in Arizona.