Is Federal Way the right place to spend your golden years? This vibrant suburb between Seattle and Tacoma has been drawing retirees with its unique blend of affordability, amenities, and community spirit. But how does it really stack up as a retirement destination in today’s market? Let’s take a closer look at what makes Federal Way so appealing to seniors — and a few factors to consider before making the move.
On a retirement suitability scale, we give Federal Way a solid 85 out of 100. The city earns high marks for its relatively affordable cost of living, excellent healthcare access, diverse senior amenities, and engaged community. However, some retirees may find the rainy Pacific Northwest climate and suburban sprawl to be drawbacks.
Healthcare Access for Seniors
One of Federal Way’s biggest selling points for retirees is its robust healthcare infrastructure. The city is home to St. Francis Hospital, a full-service acute care facility that’s part of the renowned Virginia Mason Franciscan Health system. St. Francis has earned high patient ratings for its senior care, with specialties in orthopedics, stroke care, and geriatric medicine.
For routine care, seniors in Federal Way have access to dozens of primary care providers and specialists who accept Medicare. The city also has several highly rated urgent care clinics, physical therapy centers, and pharmacies.
Need to see a specialist? Federal Way’s location between Seattle and Tacoma puts world-class medical centers like Virginia Mason and MultiCare within a 30-60 minute drive. St. Francis also has partnerships with local providers to ensure seamless referrals and continuity of care.
Senior-Friendly Amenities and Services
Federal Way goes above and beyond when it comes to senior-friendly amenities. The city’s Federal Way Senior Center is a hub of activity, offering fitness classes, art workshops, day trips, and social events. Membership is just $30 per year for residents, making it an affordable way to stay active and engaged.
Getting around town is easy thanks to Federal Way’s senior transportation services. The Hyde Shuttle provides door-to-door service to grocery stores, pharmacies, and local attractions for a suggested donation of just $1 per ride. For longer trips, seniors can take advantage of discounted fares on King County Metro buses and Sound Transit light rail.
Federal Way is also home to several top-rated senior living communities that offer a maintenance-free lifestyle and a full calendar of activities. From independent living cottages to assisted living and memory care, there are options to fit every need and budget.
Cost of Living for Retirees
While the Seattle metro area has a reputation for high costs, Federal Way remains relatively affordable. The median home price in Federal Way is around $500,000, compared to over $700,000 in Seattle proper. Retirees can find a variety of housing options, from cozy condos to spacious single-family homes.
Washington state does not tax Social Security benefits or pensions, which can help stretch retirement dollars. However, the state does have a relatively high sales tax rate of 10.1% in Federal Way.
Utilities tend to be lower than the national average thanks to the region’s hydroelectric power. The city also offers discounted rates on water and sewer services for low-income seniors.
| Monthly Expense | Modest Lifestyle | Comfortable Lifestyle |
|---|---|---|
| Housing | $1,200 | $2,000 |
| Healthcare | $500 | $600 |
| Food | $400 | $600 |
| Transportation | $200 | $400 |
| Utilities | $300 | $400 |
| Entertainment | $200 | $400 |
| Miscellaneous | $200 | $400 |
| Total | $3,000 | $4,800 |
Estimates based on average senior spending patterns and local costs.
Community and Social Opportunities
One of the things retirees love most about Federal Way is the strong sense of community. The city has a thriving network of senior social clubs, from book clubs and garden societies to walking groups and travel enthusiasts.
Volunteering is a popular pastime for Federal Way seniors, with opportunities ranging from mentoring students to helping at the local food bank. Many retirees also get involved with their faith communities, which host potlucks, classes, and service projects.
Federal Way’s proximity to Seattle and Tacoma means there’s always something to do, from exploring world-class museums to attending Broadway shows and sporting events. The city also hosts its own cultural festivals and holiday celebrations throughout the year.
For retirees with family in the area, Federal Way’s central location and easy airport access make it a convenient spot for visits from the grandkids. And with plenty of parks, playgrounds, and family-friendly attractions nearby, there’s no shortage of activities to enjoy together.
Aging in Place Considerations
As retirees age, it’s important to consider factors that can impact quality of life. Federal Way has several resources to help seniors stay safe and comfortable in their homes.
The city’s Minor Home Repair Program provides grants of up to $5,000 for low-income seniors to make accessibility modifications like installing grab bars or wheelchair ramps. The Federal Way Community Center also offers home safety assessments and fall prevention workshops.
When it comes to in-home care, Federal Way has a number of highly rated agencies that provide everything from light housekeeping to skilled nursing. For seniors who need more support, there are several assisted living facilities and adult family homes in the area.
One factor to consider is Federal Way’s climate. The city gets an average of 42 inches of rain per year, which can be a challenge for seniors with mobility issues or seasonal depression. However, the mild temperatures and lush greenery are a draw for many.
FAQs About Retirement in Federal Way
What’s the average cost of retirement in Federal Way?
Retirees in Federal Way can expect to spend around $3,000-$4,800 per month, depending on their lifestyle and housing choices. This is lower than the Seattle average but higher than some more rural parts of Washington.
How good is healthcare access for seniors?
Federal Way has excellent healthcare access, with a top-rated hospital, numerous Medicare providers, and easy access to specialists in Seattle and Tacoma. The city also has a variety of senior-focused health services like physical therapy and memory care.
Are there active senior communities?
Yes, Federal Way has a thriving senior community with many opportunities for socializing, learning, and staying active. The Federal Way Senior Center is a popular gathering spot, and there are numerous clubs and interest groups geared toward older adults.
What are the tax implications of retiring in WA?
Washington state does not tax Social Security benefits or pensions, which can be a significant advantage for retirees. However, the state does have a relatively high sales tax rate of 10.1% in Federal Way, and there are property taxes to consider for homeowners.
Making the Move: Is Federal Way Right for Your Retirement?
For retirees seeking an affordable, amenity-rich suburb with easy access to big-city culture and stunning natural beauty, Federal Way is definitely worth considering. The city’s excellent healthcare, diverse senior services, and engaged community make it an attractive option for aging in place.
Of course, no retirement destination is perfect. Federal Way’s rainy climate and suburban sprawl may be turnoffs for some. And while the cost of living is lower than Seattle proper, it’s still higher than many other parts of the country.
Ultimately, the decision to retire in Federal Way depends on your individual priorities and preferences. We recommend visiting the city in person, talking to current residents, and carefully evaluating your budget and lifestyle needs before making the move.
For more information on what it’s really like to live in Federal Way, check out our roundup of local insights and resident perspectives. And for a deeper dive into the financial considerations, see our detailed guide to the cost of living in Federal Way.