Ranked According To Cost Of Living, These Are The Best States To Retire In. What Do You Think?

49. California

Cost of living: 52 percent above the U.S. average
Population: 39.56 million (as of 2018, U.S. Census Bureau)
Best city: Beverly Hills, says Yahoo! Finance (if you can afford it!)
PRO: There is pretty much a consensus in regards to California’s natural beauty. This state is rich in the diversity of the surrounding nature; there are lush forests, some of the country’s largest natural parks, beaches, deserts, and a whole lot more. California also includes a number of big cities for those who like the fast pace of city life.

49. California

CON: California is second place, after Hawaii, in terms of high living costs. It looks like if you want good weather you have to pay for it! According to the U.S. Census Bureau, 19 percent of the population in California lives under the poverty line.
NEXT: James Naismith invented Basketball in this state in 1891.

48. Massachusetts

Cost of living: 38 percent above the U.S. average
Population: 6.902 million (as of 2018, U.S. Census Bureau)
Best city: Northampton, says Forbes
PRO: Massachusetts is a state with a lot of interesting history; it was one of the original 13 colonies, the landing spot of the Mayflower, the original Boston Tea Party, and more!

48. Massachusetts

CON: The state is also known as the Bay State and, according to Kiplinger, has high living costs, at 38 percent higher than the U.S. average. The cost of healthcare is also high, and so are taxes. And if you are not a fan of the cold then beware of the East Coast winters.
NEXT: The state flag’s design was done by Benny Benson, a 13-year-old.

47. Alaska

Cost of living: 32 percent above U.S. average
Population: 737,438 (as of 2018, U.S. Census Bureau)
Best city: Anchorage, says Yahoo! Finance
PRO: Kiplinger actually rates Alaska as a good state to retire in, as it is quite tax-friendly, but it seems that not that many retirees take advantage of this as Alaska’s senior population is quite small.

47. Alaska

CON: According to Kiplinger, living costs are quite high here; at 32 percent higher than the national average, as well as high healthcare costs. And if you want to retire in a lively big city, then Alaska is not the state for you.

NEXT: Mike “The Situation”, who featured on a reality show that took place in this state on MTV, coined the catchphrase “Gym, tan, laundry”.

46. New Jersey

Cost of living: 27 percent above U.S. average
Population: 8.909 million (as of 2018, says U.S. Census Bureau)
Best city: Long Beach Township, Ocean County says NJ.com
PRO: This state is full of things to do and see during your retirement years. Also known as The Garden State, you can walk the boardwalk and enjoy the views of the ocean in Ocean City, as well as loads of history to explore, and New York City is only a short train ride away.

46. New Jersey

CON: New Jersey has higher costs of living compared to states such as Montana and South Dakota. Property taxes and medical care is expensive according to Kiplinger, so it is not the best option for those who want to save money or for low-income retirees.
NEXT: The U.S. Navy’s official submarine museum is housed in this state.

45. Connecticut

Cost of living: 24 percent above the U.S. average
Population: 3.573 million (as of 2018, U.S. Census Bureau)
Best city: Darien, says AreaVibes.com
PRO: Kiplinger says that this state provides some of the highest incomes in the U.S. for seniors. Despite the high living costs, it can be affordable for retirees, and you can even boost your income with a retirement job.

45. Connecticut

CON: It is not the friendliest place for retirees in terms of taxes. Kiplinger says that this state has one of the worst real-estate tax rates in the country. Nearly all the retirement income is fully taxed, and some may get taxed on their Social Security benefits.
NEXT: The state tree is the sugar maple, the Eastern Bluebird is the state bird, and the beaver is the state animal.

44. New York

Cost of living: 22 percent above U.S. average
Population: 19.54 million (as of 2018, says U.S. Census Bureau)
Best city: Great Neck, says Yahoo! Finance
PRO: Living in New York can be very convenient for retirees. Always plenty to do, you can walk all over the city, delivery services are abundant, and you never have to go too far for your necessities, and all that in a place where small apartments are the norm which are easiest to manage.

44. New York

CON: Even though it is a fun and lively city that is pretty much walkable, New York State is probably most recommended for retirees who are comfortable financially. The state is not retiree-tax-friendly, and many over 65s suffer high poverty rates in this state.
NEXT: By size, it is the smallest state in the whole of the U.S., covering just 1,215 square miles.

43. Rhode Island

Cost of living: 22 percent above U.S. average
Population: 1.057 million (as of 2018, says U.S. Census Bureau)
Best city: Jamestown, says Niche.com
PRO: As one of the original 13 colonies in the U.S., Rhode Island is full of interesting history, with stunning views of the ocean and beautiful beaches. It is situated near to big metropolitan tourist areas, giving you the opportunity to choose if you prefer the quiet of nature or the bustle of the city.

43. Rhode Island

CON: According to Kiplinger, the small eastern state has high tax rates as well as a cost of living which is 22 percent higher than the U.S. average. So Rhode Island can work for you, but most likely only if you have been saving for a good number of years, have a family that supports you financially, or you won the lottery!
NEXT: The next state was given its name in honor of a former U.S. president.

42. Washington

Cost of living: 21 percent above U.S. average
Population: 7.1 million
Best city: Vancouver
PRO: Washington is certainly not one of the cheapest places to live in the U.S., but those who fancy the Pacific Northwest lifestyle at lower costs could head for Vancouver, where it is more affordable for retirees as well as a welcome lack of state income tax.

42. Washington

CON: Although less than California and Hawaii, the living costs in this state are still 21 percent higher than the national average which may serve as a problem for some seniors. That being said, the average income for those over 65 is about $55K, which could be of some help.
NEXT: In the days of the Revolutionary War, the next state was the first to declare its independence from England.

41. New Hampshire

Cost of living: 18 percent above the U.S. average
Population: 1.3 million
Best city: Gilford
PRO: New Hampshire is relatively tax-friendly, according to Kiplinger. The state doesn’t tax any retirement income, as well as ranking fifth in senior healthcare (United Health Foundation). It also has beautiful picturesque New England scenery.

41. New Hampshire

CON: Those beautiful landscapes are costly though! The cost of living in New Hampshire is not exactly low, and in fact, is quite high when compared to the national average living costs in the U.S. but it may even out with the tax breaks. Also worth considering are the humid summers and the cold winters.
NEXT: There are more “ghost towns” in this state than any other in the U.S.

40. Oregon

Cost of living: 18 percent above U.S. average
Population: 4 million
Best city: Gold Beach
PRO: A retired couple in this state will usually pay 2.6 percent less than the nation’s average for healthcare. As long as you don’t mind the eight-month rainy season, there is a lot of beautiful nature to enjoy here.

40. Oregon

CON: Oregon is not particularly tax-friendly, and although Social Security is exempt, retirement income is not, and seniors’ income is not very high at about $45K. At 9.9 percent, the state also has one of the highest state income tax rates in the United States.
NEXT: The poet of mystery and macabre, Edgar Allan Poe, is from here.

39. Maryland

Cost of living: 17 percent above U.S. average
Population: 6.0 million
Best city: Chevy Chase Village
PRO: This state’s average household income for over 65s is ranked second highest in the U.S., averaging at about $70,874. The big city Baltimore lies in Maryland, and it is not far at all from the exciting sights of Washington D.C.

39. Maryland

CON: Although it is true that individuals earn more money here than in the rest of the U.S., that income is heavily taxed in this state. Although social security is not taxed here, distributions from individual retirement accounts are, as well as there being an inheritance and estate tax.
NEXT: This is where the U.S. flagship Olympic Training Center is.

38. Colorado

Cost of living: 17 percent above U.S. average
Population: 5.4 million
Best city: Colorado Springs
PRO: According to the United Health Foundation’s senior health rankings, Colorado ranks fourth place. There are also low rates of obesity and high rates of physical activity amongst its senior populations. Maybe those living in the Centennial State will also reach 100?

38. Colorado

CON: Buying a house in Colorado is not easy as the market is extremely competitive in cities like Denver. There is also high altitude in the state which can take some adjusting too but once adjusted the weather is extremely enjoyable.
NEXT: It became an independent country in 1777 until 1791 when it became the U.S.’s 14th state. Bernie Sanders, the popular U.S. Senator, holds office in this state.

37. Vermont

Cost of living: 12 percent above the U.S. average
Population: 626,299 (as of 2018, says U.S. Census Bureau)
Best city: Hartford, says Niche.com
PRO: Otherwise known as The Green Mountain State, Vermont is ranked quite high, according to the United Health Foundation, for its senior healthcare. There is much to love here if you are into nature and incredible scenic views, with an abundance of wildlife, lakes, mountains, and forests.

37. Vermont

CON: According to Kiplinger, Vermont is thought to be one of the least tax-friendly, as well as having high living costs.
NEXT: The next State is the second smallest in the U.S.

36. Delaware

Cost of living: 11 percent above U.S. average
Population: 967,171 (as of 2018, U.S. Census Bureau)
Best city: Rehoboth Beach, says Niche.com (A+ score!)
PRO: Rated tax-friendly by Kiplinger, Delaware gives exemptions from tax for a certain amount of investment and pension income for the over 60s, as well as no tax on Social Security benefits. Also known as The Diamond State, there are dune-backed beaches bordering Delaware River, Delaware Bay, and the Atlantic Ocean.

36. Delaware

CON: Seniors in Delaware have below-average incomes for the U.S., and living costs are definitely pretty high here. According to Kiplinger, the cost of living in Delaware is 11 percent above the average, which may make it difficult to manage for some seniors.
NEXT: A year or so before the Plymouth thanksgiving feast, the “first thanksgiving” was actually held here.

35. Virginia

Cost of living: 7 percent above U.S. average
Population: 8.3 million
Best city: Roanoke
PRO: Although the cost of living in Virginia is not cheap, incomes are generally high in this state too. A major financial concern for seniors is healthcare, which in this state is generally not too expensive. Additionally, there is no tax on Social Security, and residents over 65 can deduct $12K of their income.

35. Virginia

CON: Seniors with less dispensable incomes may find living in Virginia too expensive. Although there are cool cities to check out in Virginia, like Lexington, Roanoke, and Richmond, it is no ‘big city life’ in the way of L.A. or New York City.
NEXT: This states’ official food is Jell-O

34. Utah

Cost of living: 4 percent above U.S. average
Population: 2.9 million
Best city: Salt Lake City
PRO: According to the United Health Foundation, Utah comes in second for senior’s healthcare. There is also lots to do in terms of outdoor activities and for the nature-lovers among us, with 43 state parks, five national forests, and five national parks to explore and enjoy.

34. Utah

CON: Utah is not overly tax-friendly for retirees. Social Security is taxed, and the income levels are around average for the U.S. However, the Beehive State also has the third-lowest seniors’ poverty rate in the country.
NEXT: This state’s name means “snow-capped” in Spanish.

33. Nevada

Cost of living: 4 percent above U.S. average
Population: 2.8 million
Best city: Winchester
PRO: Other than being home to Vegas, this state also has no state income tax, and poverty rates for seniors are pretty low at 8.4 percent compared with the national average of 9.4 percent.

33. Nevada

CON: Living costs are a little over the national average, and temperatures in this state are known to be a little extreme (ranging between 50 to 120 degrees Fahrenheit!), with its’ semi-arid desert climate year-round making it the driest state in the U.S. Although the desert climate can be difficult to handle for some, it is great for those with allergies.
NEXT: Rice cakes came from this state.

32. Minnesota

Cost of living: 4 percent above U.S. average
Population: 5.5 million
Best city: Osseo
PRO: If you are a health-conscious retiree, then this state could be for you! It was ranked as the “healthiest in the country for seniors” by the United Health Foundation, as well as home to the well-known Mayo Clinic in Rochester, which is great for dealing with complex health issues.

32. Minnesota

CON: This state has less than desirable combination of below-average annual income and higher than average living costs, as well as taxes on Social Security and retirement incomes.
NEXT: Sioux Falls, a city in this state was also once known as the “Divorce Capital of the World”.

31. South Dakota

Cost of living: 4 percent above U.S. average
Population: 882,235 (as of 2018, says U.S. Census Bureau)
Best city: Hot Springs, says Niche.com
PRO: Kiplinger crowned this state as the “Most Tax-Friendly”. Other than its affordability, there are beautiful mountains and prairies for the nature-lovers amongst us.

31. South Dakota

CON: Just check that you can handle freezing weather and blizzards before deciding on moving here, and it is a petty rural state, as well as being one of the least populated, so if you love the big buzzing cities then this state may not be for you.
NEXT: “Cream of the West” is this states own version of oatmeal, which people have been enjoying since 1914.

30. Montana

Cost of living: 3 percent above U.S. average
Population: 1.062 million, says the U.S. Census Bureau
Best city: Glasgow, says Niche.com
PRO: This state may be cold but it is also gorgeous. Montana is home to natural wonders like Yellowstone and Glacier national parks, and according to Kiplinger, the state has one of the highest populations of overs 65s.

30. Montana

CON: According to Kiplinger, the Treasure State is “Not Tax-Friendly”, and with income levels below the national average and taxes on Social Security and on retirement incomes, this state might be a struggle for some retirees. If nature isn’t really your thing, then you may not have much to do in this state.
NEXT: This Southwestern state has “official neckwear”; the bolo tie.

29. Arizona

Cost of living: 3 percent above U.S. average
Population: 6.7 million
Best city: Green Valley
PRO: Arizona, otherwise known as the Grand Canyon State, is rich in sunshine and stunning desert landscapes, which makes it popular amongst retirees wanting to avoid the cold winters. It is also an easier state to retire in than states like California and New York, with living costs at three percent higher than the national average.

29. Arizona

CON: The hot dry climate here can make it pretty tough going during the summer, with some cities reaching temperatures of between 104 and 107 degrees Fahrenheit. And while the average income for seniors is 10.8 percent lower than the national average, it is also not particularly cheap to live in.
NEXT: It might be the world’s largest “French fry feed” that is held in this state. 5,220 pounds of fries were served here in 2015.

28. North Dakota

Cost of living: one percent above the U.S. average
Population: 760,077 (as of 2018 says U.S. Census Bureau)
Best city: Rugby, says Niche.com
PRO: North Dakota has low living costs as well as friendly tax rates for seniors, according to Kiplinger, as income taxes are low at 1.1to 2.9 percent. The state is also known for its absolutely breathtaking landscapes.

28. North Dakota

CON: The state does tax retirement incomes, but given the low cost of living it shouldn’t make too much of a difference. Although there are a good number of pros, it is another state that is not the ideal place for city-lovers; the population in North Dakota is just 760,077 in total.
NEXT: The next state is home to the largest city in the 48 contiguous states.

27. Florida

Cost of living: 1 percent above U.S. average
Population: 19.9 million
Best city: Jacksonville
PRO: Florida is noticeably one of the states which have the lowest taxation rates in the U.S., and Social Benefits are quite fiscally secure too. These financial benefits combined with the endless sunshine are probably major contributing factors to the reason Florida has the highest share of seniors in the United States.

27. Florida

CON: Although it is known for the endless summers, Florida weather can also be a bit too intense (especially for any seniors with poor health), with extreme heat and humidity being hard to handle. There are also a fair bit of storms, with threats of hurricanes and intense thunder and lightning storms.
NEXT: Nellie Taylor Ross served in this state between 1925 and 1927. She was the first female governor in the United States.

26. Wyoming

Cost of living: U.S. average
Population: 577,737 (as of 2018 says U.S. Census Bureau)
Best city: Cody, says SmartAsset
PRO: Out of 50 states Wyoming was rated 5th for its fiscal health by the Mercatus Centre. Outdoor beauty is bountiful here, and there is also no state income tax which is kinder on the pocket.

26. Wyoming

CON: If you enjoy big cities more, then this state with one of the smallest populations in the U.S. (577,737) might not be for you; it is better known for the breathtaking outdoors and barely a big metropolitan area in sight.
NEXT: This is the state where delicious Donut holes were actually invented!

25. Maine

Cost of living: 2 percent below the U.S. average
Population: 1.3 million
Best city: Portland
PRO: By the ocean, if you like the occasional lobster then this is a great place, where you never have to go too far to get the good stuff! Healthcare expenses and living costs are below the national average, which can be very helpful for retirees.

25. Maine

CON: Tax in Maine is alright, neither terrible nor wonderful. Most retirement income is taxable, but Social Security is not taxed and estate tax applies only to estates worth over $11.8 million. Kiplinger says that income levels are not high in this state, and the general statistic is that seniors here have an income which is 25.2percent under the national average.
NEXT: Social Security, pensions and retirement account withdrawals from its state income tax are exempt in this state.

24. Pennsylvania

Cost of living: 3 percent below U.S. average
Population: 12.8 million
Best city: Pittsburgh
PRO: According to Forbes, Pittsburgh is the best city in all of the United States when it comes to retirement. It is extremely walkable and bikeable, and there is a very high number of doctors per capita! Pennsylvania, in general, has inexpensive healthcare and a fair bit of tax breaks, all great for retirees.

24. Pennsylvania

CON: Pennsylvania’s budget is not too secure, which raises questions about its future. States which are financially unreliable may end up raising taxes which could have an effect on the retiree population. According to George Mason University, the state rates 45 out of 50 in terms of fiscal health.
NEXT: This states’ capital city’s official bird is… The plastic lawn flamingo. True story.

23. Wisconsin

Cost of living: 4 percent below U.S. average
Population: 5.8 million
Best city: Madison
PRO: Living costs are low and for low-income residents, there are some tax breaks on their retirement income. This place is also known for making some of the best cheese in the nation!

23. Wisconsin

CON: Taxes here are not exactly low, and it is also the state with the lowest retirement income in the nation. Even though Social Security is exempt from tax, other retirement income is not. All that, along with the fact that healthcare costs here are higher than the national average, are definitely things to consider when moving somewhere new.
NEXT: The largest bottle of ketchup lives in this state.

22. Illinois

Cost of living: 4 percent below U.S. average
Population: 12.9 million
Best city: Leland Grove
PRO: Illinois has been in financial decline for a while now, and although this does mean instability in some ways, it also means that living costs are lower than the national average, making it more affordable. Leland Grove was ranked as the best place to retire in Illinois by Niche.

22. Illinois

CON: However, the fragility of its’ fiscal standing has put the state in the second-to-last place in the ranking of fiscal stability. All that means that tax breaks on an assortment of retirement incomes are not secure, as well as high sales taxes.
NEXT: This state is very well known for its’ potatoes!

21. Idaho

Cost of living: 5 percent below the U.S. average
Population: 1.6 million
Best city: Sandpoint
PRO: Idaho offers a variety of natural environments that will surely be enticing to nature lovers. The nature is gorgeous and varied; there is a breathtaking rugged landscape, snow-capped mountains, canyons, and lakes. The cost of living here is quite low, as well as the number of tax breaks, allowing retirees to live their Golden Years more comfortably.

21. Idaho

CON: Another place which is more for nature lovers than for the city dwellers. The tax laws are a mixed bunch here for seniors; the state tax is six percent while the state income tax is a little over seven percent, but there is no tax on Social Security as well as no inheritance or estate taxes.
NEXT: This state was home to a number of celebrities such as Georgia O’Keeffe, John Denver, and Jeff Bezos.

20. New Mexico

Cost of living: 5 percent below U.S. average
Population: 2.095 million (as of 2018, says U.S. Census Bureau)
Best city: Taos, says SmartAsset
PRO: Some recent television series, such as Breaking Bad and Better Call Saul, may have given this state a bit of a bad name. But don’t be fooled! New Mexico is extremely peaceful, as well as a very beautiful place to live.

20. New Mexico

CON: While its gorgeous golden sunsets and beautiful deserts may be wonderful, it was the rated “Least Tax-Friendly” state by Kiplinger. There is a tax on retirement income here, however, low-income seniors may be eligible for benefits.
NEXT: This state’s best city for retirees has a very strong local economy, making it a great place for those looking to work in retirement.

19. North Carolina

Cost of living: 5 percent below U.S. average
Population: 9.9 million
Best city: Asheville
PRO: In comparison to the rest of the country, North Carolina has generally quite mild weather throughout the year. With all the lush greenery it is a great place for nature lovers. Except for the Kill Devil Hills area, living costs are generally quite low and there is no tax on Social Security.

19. North Carolina

CON: Even though living costs are low, income levels are also pretty low, averaging at $43,616 for seniors over 65. There is no tax on Social Security, but there is a flat rate on other retirement income at 5.9 percent.
NEXT: This state was where the first Civil War battle took place.

18. South Carolina

Cost of living: 7 percent below U.S. average
Population: 4.8 million
Best city: Bluffton
PRO: South Carolina is another state which has pretty mild weather throughout the year, beautiful beaches and scenery. It is pretty affordable with living costs at 7 percent less than the national average, and taxes that are friendly to retirement incomes; this state is a pretty attractive retirement destination.

18. South Carolina

CON: Although the weather is generally pretty mild, summers can get rather hot with high levels of humidity in this Southern state. The standard of health in the state is not particularly great, with many smokers, high levels of obesity, and low consumption of vegetables.
NEXT: The next state’s best retirement city has a rare, Civil War-era, double-barreled cannon displayed in the city hall.

17. Georgia

Cost of living: 7 percent below U.S. average
Population: 10.1 million
Best city: Athens
PRO: Georgia has two things that most people find attractive: warm temperatures and low living costs. Making it even more attractive to retirees, healthcare is also relatively cheap here, coming in sixth as the lowest costs for couples in the nation. There are also low state taxes.

17. Georgia

CON: If you do fancy Southern living just be prepared for the long, humid, hot Georgian summers.
NEXT: The first public university in Thomas Jefferson’s Louisiana Purchase Territory is located in this state.

16. Missouri

Cost of living: 10 percent below U.S. average
Population: 6.1 million
Best city: Columbia
PRO: Missouri has an appealing low cost of living for retirees, at 10 percent less than the national average. A good number of unforgettable writers also came from this state, such as T.S. Eliot, Mark Twain, and Maya Angelou, to name but a few.

16. Missouri

CON: It may be cheap to live here but household incomes are also relatively low, at about $43K for over 65s. There is a mixed tax situation and it is not thought to have great healthcare for seniors.
NEXT: The best city for retirement in this state has majorly low crime rates.

15. Texas

Cost of living: 10 percent below U.S. average
Population: 27.0 million
Best city: San Marcos
PRO: The cost of living here is below the national average, and seniors’ average income is pretty good too. There is not a high-income tax in Texas, and there are a number of pretty cool cities such as Dallas and Austin.

15. Texas

CON: Texas is pretty affordable overall, except when it comes to healthcare, which is obviously an important consideration for most retirees. There are also extremely high poverty rates in Texas, coming in 6th highest (10.8 percent!) in a ranking of senior poverty rates in the U.S.
NEXT: The slightly baffling “turducken” – a thanksgiving dish made up of three birds rolled into one – was conjured up by a chef from this state.

14. Louisiana

Cost of living: 10 percent below U.S. average
Population: 4.6 million
Best city: Baton Rouge
PRO: There are lots of things to do and see in Louisiana, which can keep you quite active in your retirement years if that is what you are looking for, as well as low living costs which makes things much more affordable. New Orleans and Baton Rouge are great music and tourist attractions, the famous cuisine, and the wonder of nature here such as the swamps, make it a place full of adventures.

14. Louisiana

CON: Although the cost of living is low here, the incomes are too. For the 65 plus the average income is $50,744, making things like healthcare – set at 2.1 percent above the national average – difficult to afford for some.
NEXT: Kool-Aid was born in this state in 1927.

13. Nebraska

Cost of living: 12 percent below the U.S. average
Population: 1.9 million
Best city: O’Neill
PRO: The Mercatus Centre from George Mason University ranks Nebraska sixth in the category of fiscal health, which is important for stability, as well as being able to enjoy a low cost of living in this state. Niche.com gave the city of O’Neill an “A” for retiree living.

13. Nebraska

CON: Although living costs here are low, that doesn’t mean the same for seniors’ taxes as most retirement income is taxed here. Social Security is taxed only if you make more than $43,000 for single filers and $58,000 for those who file jointly.
NEXT: The national park which gets the most visitors in the country is in this state.

12. Tennessee

Cost of living: 12 percent below U.S. average
Population: 6.5 million
Best city: Lookout Mountain
PRO: Tennessee doesn’t charge state income taxes so that can help your retirement income last a little longer. Healthcare is more affordable and the metro areas are all quite reasonably priced.

12. Tennessee

CON: The heat here in the summer can be quite stifling, occasionally going up to as high as 92 degrees Fahrenheit in July, plus humidity which can make it feel even hotter over the summer months. Bigger cities such as Nashville and Memphis can have some serious traffic too, which can mean getting out of town will require some patience and forward planning.
NEXT: This state was where the first traffic light in the U.S. was installed.

11. Ohio

Cost of living: 12 percent below U.S. average
Population: 11.6 million
Best city: Bellbrook
PRO: Ohio is a great central location for visiting friends and family, or just vacationing, on either coast. Social Security is not taxed here and the living costs are 12 percent below average.

11. Ohio

CON: The average income for seniors here is around $42,667, so even though the fact that living costs are low and exemption from Social Security is appealing; if you don’t have a lot of savings it could be more of a struggle.
NEXT: Every Sunday during the month of June is “Log Cabin Day” in this state.

10. Michigan

Cost of living: 12 percent below U.S. average
Population: 9.9 million
Best city: Farmington
PRO: Michigan is appealing for those in retirement as the living costs are low, and Social Security isn’t taxed. There is also a low poverty rate in the Great Lakes state, as well as expansive water sports and activities during the spring and summer months.

10. Michigan

CON: The tax situation in Michigan will become slightly more complicated next year. In 2020, those over 67 years of age will be given the choice between deducting $20K off each individual’s income or off Social Security income.
NEXT: The house in Grant Wood’s famous American Gothic painting is in this state.

9. Iowa

Cost of living: 12 percent below U.S. average
Population: 3.1 million
Best city: Iowa City
PRO: Iowa has no state income tax on Social Security as well as state income tax-breaks for pension income. Iowa City is also home to a famous university and a vibrant cultural scene with a great atmosphere and was even designated “City of Literature” by UNESCO.

9. Iowa

CON: Even though there is no tax on Social Security benefits in Iowa, retirement income could be taxed by up to nearly 9 percent. Nevertheless, those over 55 can have up to $6,000 excluded from tax as retirement income.
NEXT: This is the state that introduced the tradition of Mardi Gras to the rest of the Western World.

8. Alabama

Cost of living: 13 percent below U.S. average
Population: 4.8 million
Best city: Orange Beach
PRO: Alabama, otherwise known as the Heart of Dixie is very budget-friendly. The average retired couple here spend 4.4 percent less than the those elsewhere in the U.S. on healthcare, Social Security benefits are exempt from tax, and incomes are only taxed at 2 to 5 percent.

8. Alabama

CON: Spring and November are known here for the intense storms which can occur, and like most southern states, Alabama can get seriously hot during the summer.
NEXT: There is a 16,750-pound ball of twine located in this state.

7. Kansas

Cost of living: 14 percent below average
Population: 2.9 million
Best city: Eureka
PRO: The Sunflower State has a pretty low cost of living and gorgeous plains and prairies which will be appealing and enjoyable to the lovers of nature out there.

7. Kansas

CON: Kansas has some financial troubles at the moment so in order to fix its budget deficit it is raising taxes accordingly. So if you are on a tight budget the fact that most retirement incomes, as well as Social Security, will be taxed somewhere between 3.1 and 5.7 percent, may make a difference to you.
NEXT: This state is also known as the “Horse Capital of the World”

6. Kentucky

Cost of living: 14 percent below average
Population: 4.4 million
Best city: Lexington
PRO: Although not the healthiest place for retirees, also known as the Bluegrass State, Kentucky has low living costs as well as quite a few tax breaks. Social Security plus $41,110 of income are exempt from tax.

6. Kentucky

CON: Senior health costs are neither cheaper nor more expensive than other states – about average for the U.S., however it ranks badly for senior health. There are high rates of physical inactivity, smoking, and poverty here, as well as low numbers of quality nursing homes for senior care.
NEXT: This state was where Root Beer was invented!

5. Mississippi

Cost of living: 15 below U.S. average
Population: 3.0 million
Best city: Hide-A-Way Lake
PRO: Mississippi is cheaper for everyday items, and it also gives some nice tax breaks. Social Security and other retirement incomes are exempt from taxes in this state, as well as the lowest property taxes in the country.

5. Mississippi

CON: Although Mississippi is quite tax-friendly and living costs are low, according to the United Health Foundation it ranks pretty low for senior health, as well as having a 13.4 percent poverty rate for seniors, the highest in the country.
NEXT: This state is where Abraham Lincoln lived as a child.

4. Indiana

Cost of living: 15 percent below U.S. average
Population: 6.6 million
Best city: Meridian Hills
PRO: Living costs in Indiana are 15 percent lower than the national average, making everyday expenses much more affordable than states such as Hawaii or California.

4. Indiana

CON: Indiana is best if you have a decent amount of savings in your bank account as the annual income here is 21.4 percent below the national average, and retirement income is taxable at ordinary rates. That being said, however, with day-to-day costs being so low, it may all even out.
NEXT: A man from the next state was responsible for the patent for Voicemail.

3. Oklahoma

Cost of living: 16 percent below U.S. average
Population: 3.9 million
Best city: Nichols Hills
PRO: Oklahoma is one of the states with no tax on Social Security, living costs are pretty low, and up to $10K of retirement income can be excluded from tax, all making it quite retiree-friendly.

3. Oklahoma

CON: There are high rates of physical inactivity and smoking in this state amongst seniors. That, as well as a general lack of geriatric care and quality nursing homes,  are all part of Oklahoma’s ranking as the third-worst place for senior health.
NEXT: The springs which are said to help cure many ailments are located here along with the world-famous Greenbrier Hotel.

2. West Virginia

Cost of living: 17 percent below U.S. average
Population: 1.806 million (as of 2018, says U.S. Census Bureau)
Best city: Lewisburg, says Niche.com
PRO: Living costs here are quite good (17 percent below the national average!), and the state is well-known for its’ rich history, scenic views, and grand resorts.

2. West Virginia

CON: According to Kiplinger, the Mountain State is not what one would call retiree tax-friendly. West Virginia is also ranking low for fiscal stability according to the Mercatus Center at George Mason University, and there is low-quality healthcare for those over 65.
NEXT: Hattie Ophelia Caraway, the first woman to be elected to the U.S. Senate, was from this state.

1. Arkansas

Cost of living: 17 percent below U.S. average
Population: 3.0 million
Best city: Bella Vista
PRO: Living costs are low here, and average healthcare costs are ranked as the third-lowest in the country for retired couples. Social Security benefits and up to $6,000 of other retirement income are exempt. Arkansas is also known as the Natural State, known for its incredible and varied wildlife, the mountains, rivers, and even hot springs.

1. Arkansas

USDA Natural Resources Conservation Service/Wikimedia Commons
CON: There are high state taxes here, and if the income is over $75,000 then it can be taxed at a little under 7 percent. Senior poverty rates in this state rank as the eighth highest in the country.