However outside of city limits (Tacoma, San Juan Islands, north of Everett) things are much more affordable. No state income tax, mild climate if you don't mind 36 inches of rain a year.
If you go east like to Spokane houses are half the price but winters are a bit more harsh. Financially you look solid to me. I'm 56 and in a similar situation.
I love Seattle, but I know that it is far too expensive for me. Eastern Washington is out due to allergies. I don't mind rain, and prefer it to snow and to heat. I like living in walkable areas near good hiking and the water. (That's my favorite thing about San Francisco.) Safety is more important to me than granite countertops. (Your Craftsman sounds great, though!) Are there any particular towns or cities you would recommend most?
I agree that, financially, you look fine. You just have some more homework to do. But I can tell from the discussion so far that you are asking all the right questions. And you found the right forum to get answers. Best of luck. You're going to love retirement.
Thanks! I should have started planning a long time ago. The research is a bit overwhelming. Trying to forecast taxes and health insurance seems almost impossible. I don't know much about tax planning. And some of the financial discussion I'm reading on this forum is incomprehensible to me because I don't have enough background knowledge. But I'll work on it. I need knowledge if I'm going to make this work. And I also need knowledge in order to get rid of my current stress and fear of ultimate poverty.