What states should you not retire in?

You should generally avoid states like New York, California, New Mexico, Louisiana, Texas, Oklahoma, and Arkansas due to high taxes, extreme costs, poor healthcare, or high crime/disaster risks, though rankings vary by source, with Sun Belt states often penalized for weather/health factors. Factors like taxes, housing costs, crime, healthcare quality, and natural disasters are key reasons these states often rank poorly for retirees.

What are the best and worst states to retire in?

The best states to retire often include Florida, New Hampshire, Minnesota, Wyoming, and South Dakota, praised for good taxes, quality of life, or healthcare, while Louisiana, Mississippi, Kentucky, West Virginia, and Arkansas frequently appear as the worst due to poor healthcare access, high poverty, or crime, though rankings vary by source and focus (affordability, well-being, etc.). 

What is the #1 state to retire in?

There's no single #1 state, as it depends on priorities, but Florida often tops lists for low taxes & warmth (WalletHub, Edelman), while New Hampshire leads for overall well-being, safety, & healthcare (Bankrate), and Wyoming scores high for tax competitiveness (Empower). Other top contenders include Maine, Vermont, Wyoming, Minnesota, and Utah, showcasing a mix of sunny & four-season locations excelling in different factors like affordability, healthcare, or lifestyle.
 

What is the hardest US state to live in?

These states are America's worst for quality of life in 2025:

• Arkansas.
• Alabama.
• Georgia.
• Louisiana.
• Utah.
• Indiana.
• Texas.
• Tennessee.

What is the unhappiest state in the US?

Based on recent studies, particularly WalletHub's 2025 analysis, Louisiana and West Virginia consistently rank as the unhappiest states, often swapping the bottom spots, with Louisiana frequently cited as the absolute least happy due to factors like high depression rates, long work hours, low sleep quality, and high divorce rates, while West Virginia struggles with high adult depression and poor sleep. Other states often in the bottom ranks include Arkansas, Alabama, and Tennessee. 

16 Towns Where Strategic Americans Are Retiring in 2026

What is the most calm state in the US?

Maine consistently ranks as the most peaceful U.S. state due to low violent crime rates, low incarceration, and high personal safety, often followed by New Hampshire and Vermont, while the Northeast generally leads in peacefulness over the South, according to indices like the US Peace Index.
 

What is the cheapest and safest state to retire in?

Here are some of the best states to retire in on a fixed income, based on these criteria:

• Mississippi. Cost of Living: Lowest in the U.S. ...
• Alabama. Cost of Living: Significantly lower than the national average. ...
• Arkansas. Cost of Living: Among the lowest in the nation. ...
• Oklahoma. ...
• West Virginia. ...
• Tennessee. ...
• South Carolina. ...
• Kentucky.

What is the $1000 a month rule for retirement?

The $1,000 a month retirement rule is a simple guideline stating you need about $240,000 saved for every $1,000 of monthly income you want from your investments in retirement, based on a 5% annual withdrawal rate ($240k x 0.05 / 12 = $1k/month). It's a motivational tool to estimate savings goals (e.g., $3,000/month needs $720k), but it's one-dimensional, doesn't account for inflation, taxes, or other income like Social Security, and assumes steady 5% returns, making a personalized plan essential. 

What is the best age to retire?

“Most studies suggest that people who retire between the ages of 64 and 66 often strike a balance between good physical health and having the freedom to enjoy retirement,” she says. “This period generally comes before the sharp rise in health issues which people see in their late 70s.

Where do the happiest retirees live?

Barnstable MA is the happiest city in the US for retirees for it's high level of social interactions, activities and entertainment.

What are the worst states for Medicare?

Overall, the Commonwealth Fund found that Vermont, Utah, and Minnesota were the top three ranked states for Medicare beneficiaries, while Louisiana, Mississippi, and Kentucky were the bottom three.

Is it better to rent or buy in retirement?

Renting vs. buying in retirement involves a trade-off between flexibility/less responsibility (renting) and stability/equity (owning), with renting offering freedom to move and no maintenance worries but rising costs, while owning provides fixed housing costs (if paid off) and potential appreciation but requires upkeep and commitment, making the best choice highly personal, depending on your finances, health, and desired lifestyle. 

What is the happiest state to retire in?

Utah is ranked as the happiest state for older adults due to high volunteer rates, good health, and excellent health care access. Idaho is the second happiest, with seniors maintaining strong community connections and access to senior services and outdoor recreation.

What states have no property tax after 65?

States that offer property tax exemptions to seniors

• Alabama: Exempts seniors from the state portion of property taxes; county taxes may still apply.
• Alaska: Exempts the first $150,000 of assessed home value for homeowners aged 65-plus.

What is the #1 cheapest state to live in?

Below is a detailed breakdown of the ten most affordable states to live in 2025:

• Arkansas. Arkansas continues to be one of the most affordable states in the U.S., especially for those looking to buy property. ...
• Mississippi. ...
• Oklahoma. ...
• New Mexico. ...
• Missouri. ...
• Tennessee. ...
• Michigan. ...
• Texas.

Can I live off $5000 a month in retirement?

To retire comfortably, many retirees need between $60,000 and $100,000 annually, or $5,000 to $8,300 per month. This varies based on personal financial needs and expenses.

Can I retire at 62 with $400,000 in 401k?

You can retire at 62 with $400k if you can live off $30,200 annually, not including Social Security Benefits, which you are eligible for now or later.

How much do you have to make to get $3,000 a month in social security?

To get around $3,000/month in Social Security, you generally need a high earning history, around $100,000-$108,000+ annually over your top 35 years, but waiting to claim until age 70 maximizes this amount, potentially reaching it with lower yearly earnings, say under $70k if you wait long enough, as benefits are based on your highest indexed earnings over 35 years. The exact amount depends heavily on your specific earnings history and the age you start collecting benefits. 

What is the #1 retirement state?

There's no single #1 state, as it depends on priorities, but Florida often tops lists for low taxes & warmth (WalletHub, Edelman), while New Hampshire leads for overall well-being, safety, & healthcare (Bankrate), and Wyoming scores high for tax competitiveness (Empower). Other top contenders include Maine, Vermont, Wyoming, Minnesota, and Utah, showcasing a mix of sunny & four-season locations excelling in different factors like affordability, healthcare, or lifestyle.
 

What is the toughest state to live in?

The Top Ten Worst States to Live In

1. 1 - Louisiana (#50 overall) Healthcare: 44.
2. 2 - Alaska (#49 overall) Healthcare: 29. ...
3. 3 - Mississippi (#48 overall) Healthcare: 50. ...
4. 4 - New Mexico (#47 overall) Healthcare: 38. ...
5. 5 - West Virginia (#46 Overall) ...
6. 6 - Alabama (#45 overall) ...
7. 7 - Arkansas (#44 overall) ...
8. 8 - Michigan (#43 overall) ...

What is the most loved state in the USA?

Hawaii is consistently ranked as America's favorite state in recent surveys, leading in overall favorability and net positive perception due to its beauty, warm weather, and perceived well-being, followed by states like North Carolina, Alaska, Tennessee, and Colorado in positive ratings. However, "most liked" varies by survey criteria, with other rankings highlighting states like Utah or Nebraska for overall livability, but Hawaii generally wins popularity contests. 

What is the #1 crime state in America?

Alaska consistently ranks as the state with the highest violent crime rate, followed closely by New Mexico, with Tennessee and Arkansas also having very high rates, according to 2024 data from sources like USAFacts and WorldAtlas. These figures reflect crimes per 100,000 residents, showing Alaska at over 724 incidents, significantly above the national average.