Rutland, VT 55+ Active Adult Retirement Communities

1 Community in Rutland

Overview

Rutland is city in Vermont located about 20 miles east of the state's border with Upstate New York. Its scenic location and low cost of living, along with plenty of outdoor recreation and a historic downtown, make it an attractive option for active adults.

Climate & Geography 

The third largest city in the state, Rutland is in Southern Vermont and experiences a humid continental climate. Summers in the region are warm and wet, while winters are cold, snowy, and often reach freezing temperatures. Residents can expect more rain and snow than the national average, and around 168 days of sun throughout the year. 

Situated on the northern end of the Appalachian Mountain range, much of the surrounding terrain consists of mountains and highlands, with mixed forests throughout. Rutland sits in a small valley surrounded by several peaks, including Bald Mountain and East Mountain to the east, and Herrick Mountain and Bird Mountain to the west. Otter Creek flows through the southwest portion of the city.

Recreation, Culture & Entertainment 

Rutland is known for its great outdoor amenities, which give residents plenty of recreational activities to choose from. There is the Green Mountain National Forest, Deer Leap Trail, and Giorgetti Park. The most famous of these destinations is the Pico Mountain Ski Resort, which offers fascinating scenery alongside opportunities for hiking and skiing. 

The downtown area of Rutland is listed as a historic district in the Nation Register of Historic Places, and there residents can find popular attractions, such as the Paramount Theatre and Normal Rockwell Museum, in addition to many local shops, breweries, and restaurants. The city also hosts numerous events throughout the year including Art in the Park, summer and winter farmers markets, a summer concert series, the Vermont State Fair, multiple downtown street festivals, among many other fun activities. 

Cost of Living & Taxes 

The cost of living in Rutland is less than national and state averages. This is due to very low cost of housing and homes. Transportation costs are also well below the national average, however other indexes including groceries, health care, and utilities are slightly above average.

Vermont is not very tax friendly to retirees. Social Security benefits and other forms of retirement income are taxable, with the only exemption being federal railroad benefits, and property taxes in Vermont are the seventh highest in the nation. 65+ residents may be eligible for a partial or total exemption of their Social Security benefits if they are under $34,000 to $44,000 each year, and there is also a Property Tax Credit to help alleviate the tax burden. The combined sales tax rate in Rutland is 6 percent. 

Health Care 

Vermont typically scores among the top 10 states in the nation in Gallup’s Well-Being Index. 

The city is home to one hospital, Rutland Regional Medical Center, which is rated high performing by U.S News. 

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