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retire

Finding the Best Places to Retire Since 2006!

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Retire in Hernando Beach, Florida?

Overview: Developed in the 1960s, mellow Hernando Beach sits along Florida's west coast, about an hour north of Tampa. It was dredged from wetlands and the Gulf of Mexico's floor.

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This is primarily a residential place, and despite its name, it does not have a beach. Instead it boasts inshore fishing, offshore fishing and a yacht club. The northern end of the town has direct Gulf access, and the Hernando Beach Marina hosts shrimp boats and pleasure craft. It also has charters, high and dry storage, repair facilities and dockside eateries. Homes are a mix of beautiful Mediterranean styles and modest ranch ramblers, many atop stilts. Nearly all residences back to a canal and have a floating boat dock. Nearby Spring Hill offers a variety of national retailers and mom and pop shops.

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The Weeki Wachee Preserve is the town's nearest neighbor and has a patchwork of habitats, including pine-covered sandhills, hardwood hammocks, river frontage, and marshes. It is also home to a large population of black bears, numerous birds species, hiking paths, biking trails and fishing lakes.

Population:  2,100 (city proper)

Percentage of Population Age 45 or Better:  64%

Cost of Living:  15% above the national average

Median Home Price: $305,000

Climate:     This area has a hot, humid climate. Summer temperatures are in the 80s and 90s with high humidity levels and frequent rainstorms.  Winter temperatures are in the 60s and 70s.

At Least One Hospital Accepts Medicare Patients?   No, but Regional Medical Center Bayonet Point, about eight miles away in Hudson, accepts Medicare patients.

At Least One Hospital Accredited by Joint Commission?   No, but Regional Medical Center Bayonet Point, about eight miles away in Hudson, is accredited.

Public Transit:   No 

Crime Rate:   Meets the national average

Public Library:    No, but Spring Hill, about 10 miles away, has one.

Political Leanings:   Conservative

Is Florida Considered Tax Friendly for Retirement?    Yes

Cons:   Homeowners' insurance is on the high side, and the tornado risk is 80% higher than the national average. Hurricane Irma in September, 2017 caused widespread power outages, downed trees, some building damage and some street flooding.

Notes:    Even though it is in a somewhat remote area, Hernando Beach has grown by 20% in the last decade.  

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Recommended as a Retirement Spot?   Yes

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Florida:

Named Pascua Florida by Juan Ponce De Leon, the Sunshine State did not enter the Union until March 3, 1845. Balmy mild winters began attracting snowbirds to the state in the late 19th century. Retirees continue to flock to the state. It's not hard to see why tourism has become the leading industry.

International trade and citrus are also major contributors to the state's economy. Eighty percent of the nation's oranges and grapefruits are grown here, and 40 percent of all U.S. exports to Latin America flow through Florida.

Florida's landscape includes uplands and coastal plains. It contains more than 11,000 miles of waterways and about 4,500 islands spread across 10 acres.

The state has 1,250 golf courses, more than any other state in the Union. The 47 mile Pinellas Trail is the longest urban trail on the east coast. Orlando theme parks attract more visitors than any other theme parks in the U.S. The only place in the world where alligators and crocodiles co-exist is in National Everglades Park.

Florida, particularly the Keys and the Gulf Coast, were struck by Category 4 Hurricane Irma in early September, 2017. Towns will rebuild, perhaps this time with climate change in mind, making them safer and better equipped to handle major hurricanes going forward.

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Stats:

Population - 20,612,439 

Persons 65 years old and over - 20%

High school graduates, persons age 25+ - 87% 

Bachelor's degree or higher, persons age 25+ - 27% 

Persons of Hispanic or Latino origin - 24% 

White persons, not Hispanic - 58% 

Median household income - $47,525 

Median home value - $159,900 

Social Security taxed? No

Source: U.S. Census Bureau

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