Indianapolis has real depth — 23 active adult communities and four Del Webb neighborhoods across six counties — but the county you choose changes your annual tax bill by thousands of dollars. Here is the balanced version.
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Talk to a Specialist →23 communities across Hamilton, Hendricks, Johnson, Marion, and Hancock counties, including four active Del Webb neighborhoods — Britton Falls (1,050 homes), Kimblewick, Finch Creek, and Sagebriar — at price points from the low $200Ks to $900K+.
Indiana exempts Social Security from state and county income tax entirely, and the state constitution caps homestead property tax at 1% of assessed value — with a homestead deduction that can push a $400,000 home's taxable base down to $90,000–$100,000.
Indiana's 2025 Senate Enrolled Act 1 converted the old Over-65 deduction into a flat $150 credit with no assessed-value cap on eligibility, plus a separate circuit breaker that limits annual increases to 2% for qualifying seniors.
Hancock County's 1.0% county income tax is the lowest in the metro; Hendricks County runs meaningfully lower property tax than Hamilton. If cost is your top priority, you can shop it inside one metro area.
| County | Property Tax | Combined Income Tax | What's There |
|---|---|---|---|
| Hamilton | ~1.10% | 4.1% | Britton Falls, Kimblewick, Finch Creek — the deepest Del Webb bench |
| Hendricks | ~0.90% | 4.5% | Vandalia — lower home prices, airport-adjacent |
| Johnson | ~0.95% | 4.2% | Sagebriar — fast-growing south corridor |
| Marion | ~1.19% | 5.02% | Village at New Bethel — most affordable, highest combined income tax |
| Hancock | ~0.85% | 4.0% | Gatherings at Aurora — lowest county income tax in the metro |
Combined income tax = Indiana's 3.0% flat state rate plus each county's local option rate. Social Security is exempt from all of it; IRA and pension income is not.
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Marion County's combined rate of 5.02% is more than a full point above Hancock County's 4.0%. On $60,000 of taxable IRA or pension income, that gap is worth hundreds of dollars a year — and it's on top of, not instead of, the state rate.
Snow removal is part of most HOA packages here for a reason. If you're moving from Florida or Arizona specifically to escape winter, Indianapolis brings it back — four real seasons, including real cold.
There is no beach, no mountain range, and no large natural lake system comparable to what coastal or lake-region markets offer. The draw here is cost and tax structure, not scenery.
Centennial of Brownsburg and other 2025–2026 openings are still finalizing pricing and HOA specifics. Buying before a community stabilizes means verifying amenity and fee promises yourself, community by community.
Buyers who specifically want a Del Webb-branded community but haven't settled on a single market — Indianapolis offers four at different price points and counties, all within a 30–40 minute radius, alongside a genuinely capped, predictable property tax system.
If avoiding snow and ice is a primary goal, Indianapolis works against you, not for you. And if coastline, lakefront, or mountain scenery is part of the retirement picture you're imagining, this is a market built on tax math and community choice — not geography.
Indianapolis's pitch holds up on paper — just make sure you're pricing the right county before you sign anything.
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Connect with a specialist who knows this market from the inside — real cost math, honest community comparisons, and what's actually happening right now. Every agent is personally vetted by the Nova55Living founder.
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