The Best and Worst Place To Retire in Every State

Some cities are better suited for retirement than others.

To determine the best and worst place in each U.S. state to retire, GOBankingRates used the U.S. Census American Community Survey to find each city’s total population, total households, percentage of the population aged 65-plus, the percentage of the 65-plus population below the poverty rate, and the total number of residents aged 65-plus under the poverty rate.

Additional factors sourced from the survey include the number of households that receive Social Security income, along with the media Social Security income amount, and the number of households that receive retirement income, as well as the media retirement income.

Each city’s cost of living index was also sourced along with calculations for each city’s media expenditure cost. These expenditure costs were combined with the media mortgage cost for the total monthly cost of living.

In alphabetical order, here are the best and worst places to retire across America.

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Best and Worst Place To Retire: Alabama

• Best city: Orange Beach

• Media income of households with retirement income: $30,223

• Media income of households with Social Security income: $27,361

• Media monthly total cost of living: $1,860

• Media monthly mortgage cost: $3,684

• Media single family home value (May 2024): $618,344

• Livability: 77

• Worst city: Tarrant

• Media income of households with retirement income: $12,421

• Media income of households with Social Security income: $14,781

• Media monthly total cost of living: $1,903

• Media monthly mortgage cost: $433

• Media single family home value (May 2024): $72,682

• Livability: 45

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Best and Worst Place To Retire: Alaska

• Best city: Sterling

• Media income of households with retirement income: $34,639

• Media income of households with Social Security income: $22,706

• Media monthly total cost of living: $2,148

• Media monthly mortgage cost: $2,057

• Media single family home value (May 2024): $345,320

• Livability: 59

• Worst city: Meadow Lakes

• Media income of households with retirement income: $34,733

• Media income of households with Social Security income: $22,810

• Media monthly total cost of living: $2,362

• Media monthly mortgage cost: $2,043

• Media single family home value (May 2024): $342,871

• Livability: 50

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Best and Worst Place To Retire: Arizona

• Best city: Sun City

• Media income of households with retirement income: $27,654

• Media income of households with Social Security income: $25,346

• Media monthly total cost of living: $1,870

• Media monthly mortgage cost: $1,976

• Media single family home value (May 2024): $331,680

• Livability: 71

• Worst city: Somerton

• Media income of households with retirement income: $42,864

• Media income of households with Social Security income: $15,533

• Media monthly total cost of living: $2,044

• Media monthly mortgage cost: $1,557

• Media single family home value (May 2024): $261,270

• Livability: 60

Best and Worst Place To Retire: Arkansas

• Best city: Cherokee Village

• Media income of households with retirement income: $18,069

• Media income of households with Social Security income: $22,387

• Media monthly total cost of living: $1,650

• Media monthly mortgage cost: $834

• Media single family home value (May 2024): $139,909

• Livability: 59

• Worst city: Wynne

• Media income of households with retirement income: $21,862

• Media income of households with Social Security income: $19,074

• Media monthly total cost of living: $1,629

• Media monthly mortgage cost: $769

• Media single family home value (May 2024): $129,023

• Livability: 54

Pictured: Little Rock, Arkansas

Best and Worst Place To Retire: California

• Best city: Olvido Woods

• Media income of households with retirement income: $41,089

• Media income of households with Social Security income: $24,300

• Media monthly total cost of living: $1,915

• Media monthly mortgage cost: $2,874

• Media single family home value (May 2024): $482,377

• Livability: 72

• Worst city: Orange Cove

• Media income of households with retirement income: $31,666

• Media income of households with Social Security income: $9,788

• Media monthly total cost of living: $1,885

• Media monthly mortgage cost: $1,624

• Media single family home value (May 2024): $272,535

• Livability: 45

Best and Worst Place To Retire: Colorado

• Best city: Salida

• Media income of households with retirement income: $44,791

• Media income of households with Social Security income: $18,412

• Media monthly total cost of living: $1,726

• Media monthly mortgage cost: $4,159

• Media single family home value (May 2024): $698,073

• Livability: 83

• Worst city: Aspen

• Media income of households with retirement income: $34,668

• Media income of households with Social Security income: $28,913

• Media monthly total cost of living: $1,739

• Media monthly mortgage cost: $54,999

• Media single family home value (May 2024): $9,231,824

• Livability: 66

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Best and Worst Place To Retire: Connecticut

• Best city: Meriden

• Media income of households with retirement income: $29,536

• Media income of households with Social Security income: $21,732

• Media monthly total cost of living: $2,036

• Media monthly mortgage cost: $1,839

• Media single family home value (May 2024): $308,689

• Livability: 82

• Worst city: Stamford

• Media income of households with retirement income: $37,859

• Media income of households with Social Security income: $23,074

• Media monthly total cost of living: $2,237

• Media monthly mortgage cost: $4,979

• Media single family home value (May 2024): $835,703

• Livability: 70

Best and Worst Place To Retire: Delaware

• Best city: Newark

• Media income of households with retirement income: $45,461

• Media income of households with Social Security income: $27,664

• Media monthly total cost of living: $2,052

• Media monthly mortgage cost: $2,103

• Media single family home value (May 2024): $352,939

• Livability: 83

• Worst city: Wilmington

• Media income of households with retirement income: $25,660

• Media income of households with Social Security income: $20,414

• Media monthly total cost of living: $1,959

• Media monthly mortgage cost: $1,903

• Media single family home value (May 2024): $319,510

• Livability: 62

Washington, D.C.

• Media income of households with retirement income: $49,072

• Media income of households with Social Security income: $19,782

• Media monthly total cost of living: $2,107

• Media monthly mortgage cost: $4,361

• Media single family home value (May 2024): $732,079

• Livability: 75

Best and Worst Place To Retire: Florida

• Best city: The Villages

• Media income of households with retirement income: $45,870

• Media income of households with Social Security income: $30,704

• Media monthly total cost of living: $1,816

• Media monthly mortgage cost: $2,442

• Media single family home value (May 2024): $409,945

• Livability: 70

• Worst city: Miami Beach

• Media income of households with retirement income: $32,109

• Media income of households with Social Security income: $18,980

• Media monthly total cost of living: $2,030

• Media monthly mortgage cost: $15,437

• Media single family home value (May 2024): $2,591,111

• Livability: 70

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Best and Worst Place To Retire: Georgia

• Best city: Skidaway Island

• Media income of households with retirement income: $61,619

• Media income of households with Social Security income: $31,361

• Media monthly total cost of living: $1,842

• Media monthly mortgage cost: $5,459

• Media single family home value (May 2024): $916,364

• Livability: 61

• Worst city: Lovejoy

• Media income of households with retirement income: $10,827

• Media income of households with Social Security income: $13,528

• Media monthly total cost of living: $1,950

• Media monthly mortgage cost: $1,771

• Media single family home value (May 2024): $297,315

• Livability: 61

Best and Worst Place To Retire: Hawaii

• Best city: Kaneohe

• Media income of households with retirement income: $41,756

• Media income of households with Social Security income: $24,446

• Media monthly total cost of living: $2,389

• Media monthly mortgage cost: $6,809

• Media single family home value (May 2024): $1,142,909

• Livability: 72

• Worst city: Kapolei

• Media income of households with retirement income: $39,864

• Media income of households with Social Security income: $27,077

• Media monthly total cost of living: $2,507

• Media monthly mortgage cost: $5,378

• Media single family home value (May 2024): $902,770

• Livability: 68

Best and Worst Place To Retire: Idaho

• Best city: Post Falls

• Media income of households with retirement income: $28,638

• Media income of households with Social Security income: $21,500

• Media monthly total cost of living: $1,746

• Media monthly mortgage cost: $2,993

• Media single family home value (May 2024): $502,415

• Livability: 88

• Worst city: Hailey

• Media income of households with retirement income: $27,256

• Media income of households with Social Security income: $26,165

• Media monthly total cost of living: $1,768

• Media monthly mortgage cost: $5,247

• Media single family home value (May 2024): $880,764

• Livability: 69

Best and Worst Place To Retire: Illinois

• Best city: Willowbrook

• Media income of households with retirement income: $34,694

• Media income of households with Social Security income: $28,791

• Media monthly total cost of living: $1,922

• Media monthly mortgage cost: $2,691

• Media single family home value (May 2024): $451,683

• Livability: 78

• Worst city: West Chicago

• Media income of households with retirement income: $25,276

• Media income of households with Social Security income: $26,267

• Media monthly total cost of living: $1,893

• Media monthly mortgage cost: $2,139

• Media single family home value (May 2024): $359,039

• Livability: 62

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Best and Worst Place To Retire: Indiana

• Best city: Bedford

• Media income of households with retirement income: $19,770

• Media income of households with Social Security income: $21,160

• Media monthly total cost of living: $1,671

• Media monthly mortgage cost: $1,200

• Media single family home value (May 2024): $201,497

• Livability: 79

• Worst city: Lake Station

• Media income of households with retirement income: $19,019

• Media income of households with Social Security income: $22,342

• Media monthly total cost of living: $1,753

• Media monthly mortgage cost: $911

• Media single family home value (May 2024): $152,848

• Livability: 62

Pictured: Bloomington, Indiana

Best and Worst Place To Retire: Iowa

• Best city: Pella

• Media income of households with retirement income: $28,480

• Media income of households with Social Security income: $25,563

• Media monthly total cost of living: $1,707

• Media monthly mortgage cost: $2,011

• Media single family home value (May 2024): $337,592

• Livability: 89

• Worst city: Iowa City

• Media income of households with retirement income: $32,129

• Media income of households with Social Security income: $24,092

• Media monthly total cost of living: $1,925

• Media monthly mortgage cost: $1,918

• Media single family home value (May 2024): $321,871

• Livability: 83

Best and Worst Place To Retire: Kansas

• Best city: Abilene

• Media income of households with retirement income: $19,331

• Media income of households with Social Security income: $20,524

• Media monthly total cost of living: $1,767

• Media monthly mortgage cost: $1,028

• Media single family home value (May 2024): $172,580

• Livability: 76

• Worst city: Tolerante

• Media income of households with retirement income: $19,750

• Media income of households with Social Security income: $19,592

• Media monthly total cost of living: $1,773

• Media monthly mortgage cost: $832

• Media single family home value (May 2024): $139,585

• Livability: 67

Pictured: Wichita, Kansas

Best and Worst Place To Retire: Kentucky

• Best city: Edgewood

• Media income of households with retirement income: $48,261

• Media income of households with Social Security income: $28,779

• Media monthly total cost of living: $1,861

• Media monthly mortgage cost: $2,122

• Media single family home value (May 2024): $356,165

• Livability: 88

• Worst city: Oak Grove

• Media income of households with retirement income: $18,760

• Media income of households with Social Security income: $18,515

• Media monthly total cost of living: $1,753

• Media monthly mortgage cost: $1,196

• Media single family home value (May 2024): $200,817

• Livability: 57

Pictured: Lexington, Kentucky

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Best and Worst Place To Retire: Louisiana

• Best city: Metairie

• Media income of households with retirement income: $33,659

• Media income of households with Social Security income: $21,830

• Media monthly total cost of living: $1,891

• Media monthly mortgage cost: $1,754

• Media single family home value (May 2024): $294,384

• Livability: 85

• Worst city: Bastrop

• Media income of households with retirement income: $11,895

• Media income of households with Social Security income: $15,196

• Media monthly total cost of living: $1,890

• Media monthly mortgage cost: $477

• Media single family home value (May 2024): $80,029

• Livability: 51

Best and Worst Place To Retire: Maine

• Best city: Brunswick

• Media income of households with retirement income: $34,447

• Media income of households with Social Security income: $21,443

• Media monthly total cost of living: $1,778

• Media monthly mortgage cost: $3,020

• Media single family home value (May 2024): $507,004

• Livability: 87

• Worst city: Brewer

• Media income of households with retirement income: $27,901

• Media income of households with Social Security income: $19,028

• Media monthly total cost of living: $1,792

• Media monthly mortgage cost: $1,691

• Media single family home value (May 2024): $283,925

• Livability: 69

Best and Worst Place To Retire: Maryland

• Best city: Cumberland

• Media income of households with retirement income: $27,067

• Media income of households with Social Security income: $20,959

• Media monthly total cost of living: $1,656

• Media monthly mortgage cost: $872

• Media single family home value (May 2024): $146,303

• Livability: 78

• Worst city: Bladensburg

• Media income of households with retirement income: $23,667

• Media income of households with Social Security income: $17,049

• Media monthly total cost of living: $2,036

• Media monthly mortgage cost: $2,074

• Media single family home value (May 2024): $348,153

• Livability: 69

Best and Worst Place To Retire: Massachusetts

• Best city: Wakefield

• Media income of households with retirement income: $38,725

• Media income of households with Social Security income: $23,686

• Media monthly total cost of living: 1,919

• Media monthly mortgage cost: $4,954

• Media single family home value (May 2024): $831,520

• Livability: 88

• Worst city: Cambridge

• Media income of households with retirement income: $44,415

• Media income of households with Social Security income: $23,946

• Media monthly total cost of living: $2,257

• Media monthly mortgage cost: $10,699

• Media single family home value (May 2024): $1,795,882

• Livability: 86

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Best and Worst Place To Retire: Michigan

• Best city: Ludington

• Media income of households with retirement income: $21,750

• Media income of households with Social Security income: $21,587

• Media monthly total cost of living: $1,582

• Media monthly mortgage cost: $1,634

• Media single family home value (May 2024): $274,286

• Livability: 82

• Worst city: Benton Harbor

• Media income of households with retirement income: $10,608

• Media income of households with Social Security income: $14,454

• Media monthly total cost of living: $1,715

• Media monthly mortgage cost: $850

• Media single family home value (May 2024): $142,710

• Livability: 55

Best and Worst Place To Retire: Minnesota

• Best city: Fergus Falls

• Media income of households with retirement income: $19,904

• Media income of households with Social Security income: $22,846

• Media monthly total cost of living: $1,539

• Media monthly mortgage cost: $1,136

• Media single family home value (May 2024): $190,691

• Livability: 82

• Worst city: Oak Grove

• Media income of households with retirement income: $23,137

• Media income of households with Social Security income: $23,719

• Media monthly total cost of living: $1,822

• Media monthly mortgage cost: $2,702

• Media single family home value (May 2024): $453,496

• Livability: 62

Best and Worst Place To Retire: Mississippi

• Best city: Ocean Springs

• Media income of households with retirement income: $34,647

• Media income of households with Social Security income: $22,409

• Media monthly total cost of living: $1,787

• Media monthly mortgage cost: $1,566

• Media single family home value (May 2024): $262,881

• Livability: 84

• Worst city: Brookhaven

• Media income of households with retirement income: $23,478

• Media income of households with Social Security income: $16,976

• Media monthly total cost of living: $1,735

• Media monthly mortgage cost: $1,008

• Media single family home value (May 2024): $169,223

• Livability: 62

Best and Worst Place To Retire: Missouri

• Best city: Weldon Spring

• Media income of households with retirement income: $42,515

• Media income of households with Social Security income: $26,584

• Media monthly total cost of living: $1,788

• Media monthly mortgage cost: $3,726

• Media single family home value (May 2024): $625,365

• Livability: 74

• Worst city: Glasgow Village

• Media income of households with retirement income: $3,795

• Media income of households with Social Security income: $17,835

• Media monthly total cost of living: $1,764

• Media monthly mortgage cost: $385

• Media single family home value (May 2024): $64,631

• Livability: 54

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Best and Worst Place To Retire: Montana

• Best city: Helena

• Media income of households with retirement income: $28,914

• Media income of households with Social Security income: $21,621

• Media monthly total cost of living: $1,685

• Media monthly mortgage cost: $2,821

• Media single family home value (May 2024): $473,556

• Livability: 81

• Worst city: Belgrade

• Media income of households with retirement income: $38,274

• Media income of households with Social Security income: $16,426

• Media monthly total cost of living: $1,782

• Media monthly mortgage cost: $3,418

• Media single family home value (May 2024): $573,779

• Livability: 77

Best and Worst Place To Retire: Nebraska

• Best city: Papillion

• Media income of households with retirement income: $40,370

• Media income of households with Social Security income: $24,986

• Media monthly total cost of living: $1,900

• Media monthly mortgage cost: $2,393

• Media single family home value (May 2024): $401,739

• Livability: 85

• Worst city: Kearney

• Media income of households with retirement income: $23,254

• Media income of households with Social Security income: $23,878

• Media monthly total cost of living: $2,257

• Media monthly mortgage cost: $1,766

• Media single family home value (May 2024): $296,485

• Livability: 82

Best and Worst Place To Retire: Nevasca

• Best city: Mesquite

• Media income of households with retirement income: $38,444

• Media income of households with Social Security income: $26,855

• Media monthly total cost of living: $1,807

• Media monthly mortgage cost: $2,399

• Media single family home value (May 2024): $402,699

• Livability: 76

• Worst city: Sun Valley

• Media income of households with retirement income: $21,550

• Media income of households with Social Security income: $18,636

• Media monthly total cost of living: $1,835

• Media monthly mortgage cost: $2,474

• Media single family home value (May 2024): $415,261

• Livability: 60

Best and Worst Place To Retire: New Hampshire

• Best city: Concord

• Media income of households with retirement income: $29,570

• Media income of households with Social Security income: $23,853

• Media monthly total cost of living: $1,737

• Media monthly mortgage cost: $2,642

• Media single family home value (May 2024): $443,470

• Livability: 88

• Worst city: Lebanon

• Media income of households with retirement income: $46,845

• Media income of households with Social Security income: $25,172

• Media monthly total cost of living: $1,759

• Media monthly mortgage cost: $2,772

• Media single family home value (May 2024): $465,248

• Livability: 65

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Best and Worst Place To Retire: New Suéter

• Best city: Mays Landing

• Media income of households with retirement income: $37,576

• Media income of households with Social Security income: $29,306

• Media monthly total cost of living: $1,828

• Media monthly mortgage cost: $1,978

• Media single family home value (May 2024): $332,047

• Livability: 74

• Worst city: Passaic

• Media income of households with retirement income: $18,014

• Media income of households with Social Security income: $17,831

• Media monthly total cost of living: $2,102

• Media monthly mortgage cost: $3,261

• Media single family home value (May 2024): $547,431

• Livability: 60

Best and Worst Place To Retire: New Mexico

• Best city: Raton

• Media income of households with retirement income: $25,307

• Media income of households with Social Security income: $19,899

• Media monthly total cost of living: $1,656

• Media monthly mortgage cost: $822

• Media single family home value (May 2024): $138,025

• Livability: 71

• Worst city: Chaparral

• Media income of households with retirement income: $22,638

• Media income of households with Social Security income: $18,257

• Media monthly total cost of living: $1,699

• Media monthly mortgage cost: $1,133

• Media single family home value (May 2024): $190,258

• Livability: 45

Pictured: Roswell, New Mexico

Best and Worst Place To Retire: New York

• Best city: Fredonia

• Media income of households with retirement income: $26,532

• Media income of households with Social Security income: $26,594

• Media monthly total cost of living: $1,761

• Media monthly mortgage cost: $1,164

• Media single family home value (May 2024): $195,320

• Livability: 82

• Worst city: Monsey

• Media income of households with retirement income: $31,311

• Media income of households with Social Security income: $26,781

• Media monthly total cost of living: $2,396

• Media monthly mortgage cost: $7,385

• Media single family home value (May 2024): $1,239,569

• Livability: 61

Pictured: Buffalo, New York

Best and Worst Place To Retire: North Carolina

• Best city: Black Mountain

• Media income of households with retirement income: $37,169

• Media income of households with Social Security income: $27,365

• Media monthly total cost of living: $1,951

• Media monthly mortgage cost: $2,868

• Media single family home value (May 2024): $481,489

• Livability: 85

• Worst city: Spring Lake

• Media income of households with retirement income: $16,157

• Media income of households with Social Security income: $14,257

• Media monthly total cost of living: $1,835

• Media monthly mortgage cost: $1,523

• Media single family home value (May 2024): $255,576

• Livability: 59

Pictured: Asheville, North Carolina

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Best and Worst Place To Retire: North Dakota

• Best city: Bismarck

• Media income of households with retirement income: $34,756

• Media income of households with Social Security income: $22,218

• Media monthly total cost of living: $1,691

• Media monthly mortgage cost: $2,200

• Media single family home value (May 2024): $369,361

• Livability: 78

• Worst city: Watford City

• Media income of households with retirement income: $16,717

• Media income of households with Social Security income: $17,732

• Media monthly total cost of living: $1,762

• Media monthly mortgage cost: $1,929

• Media single family home value (May 2024): $323,779

• Livability: 71

Best and Worst Place To Retire: Ohio

• Best city: Strongsville

• Media income of households with retirement income: $37,302

• Media income of households with Social Security income: $23,887

• Media monthly total cost of living: $1,719

• Media monthly mortgage cost: $2,072

• Media single family home value (May 2024): $347,719

• Livability: 87

• Worst city: Moraine

• Media income of households with retirement income: $20,062

• Media income of households with Social Security income: $19,510

• Media monthly total cost of living: $1,727

• Media monthly mortgage cost: $916

• Media single family home value (May 2024): $153,696

• Livability: 51

Best and Worst Place To Retire: Oklahoma

• Best city: Alva

• Media income of households with retirement income: $32,717

• Media income of households with Social Security income: $18,954

• Media monthly total cost of living: $1,893

• Media monthly mortgage cost: $582

• Media single family home value (May 2024): $97,740

• Livability: 80

• Worst city: Anadarko

• Media income of households with retirement income: $23,696

• Media income of households with Social Security income: $15,555

• Media monthly total cost of living: $2,129

• Media monthly mortgage cost: $358

• Media single family home value (May 2024): $60,161

• Livability: 53

Best and Worst Place To Retire: Oregon

• Best city: Florence

• Media income of households with retirement income: $28,735

• Media income of households with Social Security income: $23,417

• Media monthly total cost of living: $1,715

• Media monthly mortgage cost: $2,552

• Media single family home value (May 2024): $428,434

• Livability: 69

• Worst city: Independence

• Media income of households with retirement income: $28,316

• Media income of households with Social Security income: $17,969

• Media monthly total cost of living: $1,778

• Media monthly mortgage cost: $2,470

• Media single family home value (May 2024): $414,562

• Livability: 66

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Best and Worst Place To Retire: Pennsylvania

• Best city: Titusville

• Media income of households with retirement income: $18,140

• Media income of households with Social Security income: $19,844

• Media monthly total cost of living: $1,750

• Media monthly mortgage cost: $616

• Media single family home value (May 2024): $103,403

• Livability: 82

• Worst city: Philadelphia

• Media income of households with retirement income: $25,430

• Media income of households with Social Security income: $18,515

• Media monthly total cost of living: $2,084

• Media monthly mortgage cost: $1,307

• Media single family home value (May 2024): $219,330

• Livability: 76

Best and Worst Place To Retire: Rhode Island

• Best city: Cranston

• Media income of households with retirement income: $27,851

• Media income of households with Social Security income: $20,259

• Media monthly total cost of living: $1,891

• Media monthly mortgage cost: $2,528

• Media single family home value (May 2024): $424,290

• Livability: 85

• Worst city: Central Falls

• Media income of households with retirement income: $13,855

• Media income of households with Social Security income: $15,903

• Media monthly total cost of living: $1,929

• Media monthly mortgage cost: $2,094

• Media single family home value (May 2024): $351,435

• Livability: 64

Best and Worst Place To Retire: South Carolina

• Best city: Murrells Inlet

• Media income of households with retirement income: $35,756

• Media income of households with Social Security income: $26,060

• Media monthly total cost of living: $1,749

• Media monthly mortgage cost: $2,610

• Media single family home value (May 2024): $438,131

• Livability: 74

• Worst city: Central

• Media income of households with retirement income: $17,844

• Media income of households with Social Security income: $17,580

• Media monthly total cost of living: $1,820

• Media monthly mortgage cost: $1,589

• Media single family home value (May 2024): $266,750

• Livability: 62

Pictured: Myrtle Beach, South Carolina

Best and Worst Place To Retire: South Dakota

• Best city: Brandon

• Media income of households with retirement income: $26,280

• Media income of households with Social Security income: $21,963

• Media monthly total cost of living: $1,778

• Media monthly mortgage cost: $2,272

• Media single family home value (May 2024): $381,333

• Livability: 87

• Worst city: Box Elder

• Media income of households with retirement income: $35,312

• Media income of households with Social Security income: $16,821

• Media monthly total cost of living: $2,031

• Media monthly mortgage cost: $2,045

• Media single family home value (May 2024): $343,185

• Livability: 63

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Best and Worst Place To Retire: Tennessee

• Best city: Paris

• Media income of households with retirement income: $18,923

• Media income of households with Social Security income: $20,692

• Media monthly total cost of living: $1,680

• Media monthly mortgage cost: $1,172

• Media single family home value (May 2024): $196,681

• Livability: 73

• Worst city: La Vergne

• Media income of households with retirement income: $16,668

• Media income of households with Social Security income: $22,135

• Media monthly total cost of living: $1,876

• Media monthly mortgage cost: $2,076

• Media single family home value (May 2024): $348,387

• Livability: 65

Best and Worst Place To Retire: Texas

• Best city: Kerrville

• Media income of households with retirement income: $29,762

• Media income of households with Social Security income: $21,751

• Media monthly total cost of living: $1,719

• Media monthly mortgage cost: $2,148

• Media single family home value (May 2024): $360,589

• Livability: 81

• Worst city: Sparks

• Media income of households with retirement income: $28,649

• Media income of households with Social Security income: $10,441

• Media monthly total cost of living: $1,747

• Media monthly mortgage cost: $918

• Media single family home value (May 2024): $154,119

• Livability: 53

Pictured: El Paso, Texas

Best and Worst Place To Retire: Utah

• Best city: Taylorsville

• Media income of households with retirement income: $26,902

• Media income of households with Social Security income: $23,829

• Media monthly total cost of living: $1,796

• Media monthly mortgage cost: $2,916

• Media single family home value (May 2024): $489,532

• Livability: 86

• Worst city: Salt Lake City

• Media income of households with retirement income: $31,927

• Media income of households with Social Security income: $22,625

• Media monthly total cost of living: $1,811

• Media monthly mortgage cost: $3,573

• Media single family home value (May 2024): $599,714

• Livability: 75

Best and Worst Place To Retire: Vermont

• Best city: Middlebury

• Media income of households with retirement income: $42,945

• Media income of households with Social Security income: $23,201

• Media monthly total cost of living: $1,983

• Media monthly mortgage cost: $2,662

• Media single family home value (May 2024): $446,835

• Livability: 81

• Worst city: Burlington

• Media income of households with retirement income: $29,313

• Media income of households with Social Security income: $21,305

• Media monthly total cost of living: $2,309

• Media monthly mortgage cost: $3,349

• Media single family home value (May 2024): $562,201

• Livability: 74

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Best and Worst Place To Retire: Virginia

• Best city: Lynchburg

• Media income of households with retirement income: $24,022

• Media income of households with Social Security income: $21,748

• Media monthly total cost of living: $1,767

• Media monthly mortgage cost: $1,516

• Media single family home value (May 2024): $254,394

• Livability: 91

• Worst city: Fredericksburg

• Media income of households with retirement income: $40,461

• Media income of households with Social Security income: $20,790

• Media monthly total cost of living: $1,915

• Media monthly mortgage cost: $2,729

• Media single family home value (May 2024): $458,093

• Livability: 65

Best and Worst Place To Retire: Washington

• Best city: Centralia

• Media income of households with retirement income: $19,853

• Media income of households with Social Security income: $18,461

• Media monthly total cost of living: $1,602

• Media monthly mortgage cost: $2,340

• Media single family home value (May 2024): $392,708

• Livability: 79

• Worst city: Seattle

• Media income of households with retirement income: $35,689

• Media income of households with Social Security income: $24,071

• Media monthly total cost of living: $1,899

• Media monthly mortgage cost: $5,807

• Media single family home value (May 2024): $974,785

• Livability: 75

Best and Worst Place To Retire: West Virginia

• Best city: Bridgeport

• Media income of households with retirement income: $24,182

• Media income of households with Social Security income: $23,396

• Media monthly total cost of living: $1,899

• Media monthly mortgage cost: $1,766

• Media single family home value (May 2024): $296,452

• Livability: 82

• Worst city: Charles Town

• Media income of households with retirement income: $32,152

• Media income of households with Social Security income: $20,739

• Media monthly total cost of living: $2,172

• Media monthly mortgage cost: $2,327

• Media single family home value (May 2024): $390,658

• Livability: 75

Best and Worst Place To Retire: Wisconsin

• Best city: Wausau

• Media income of households with retirement income: $21,953

• Media income of households with Social Security income: $21,359

• Media monthly total cost of living: $1,711

• Media monthly mortgage cost: $1,291

• Media single family home value (May 2024): $216,754

• Livability: 90

• Worst city: La Crosse

• Media income of households with retirement income: $25,867

• Media income of households with Social Security income: $21,524

• Media monthly total cost of living: $2,008

• Media monthly mortgage cost: $1,486

• Media single family home value (May 2024): $249,422

• Livability: 67

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Best and Worst Place To Retire: Wyoming

• Best city: Cheyenne

• Media income of households with retirement income: $35,005

• Media income of households with Social Security income: $21,592

• Media monthly total cost of living: $1,987

• Media monthly mortgage cost: $2,196

• Media single family home value (May 2024): $368,600

• Livability: 83

• Worst city: Laramie

• Media income of households with retirement income: $25,747

• Media income of households with Social Security income: $21,607

• Media monthly total cost of living: $2,196

• Media monthly mortgage cost: $2,171

• Media single family home value (May 2024): $364,435

• Livability: 70

Methodology: For this study, GOBankingRates analyzed cities across the United States to find the best and worst places to retire in every state. First, GOBankingRates found the total population, total households, population of ages 65+, percentage of population below poverty rate of residents aged 65+, total number of residents under poverty rate of ages 65+, the number of households that receive Social Security income, the number of households that receive retirement income, the media retirement income for households whom receive retirement income, and the media Social Security income for households that receive Social Security income, all sourced from the U.S. Census American Community Survey DP03 and S0101. For each city, the cost of living indexes were sourced from Sperling’s BestPlaces and using the national media expenditure costs for retired residents aged 65+, the media expenditure cost for each city can be calculated. The media single family home value for May 2024 was sourced from Zillow Home Value Index, and using the national media 30-year fixed mortgage rate as sourced from the Federal Reserve Economic Data, the media mortgage cost for each city was calculated. The media mortgage cost and expenditure costs can be summed to find the total monthly cost of living. The percentage of the population aged 65+ who are below the poverty line was scored and weighted at 1.00, the Social Security income was scored and weighted at 1.00, the media Social Security income for households with Social Security income was scored and weighted at 1.00, the percentage of households with retirement income was scored and weighted at 1.00, the media retirement income was scored and weighted at 1.00, the monthly expenditure costs were scored and weighted at 1.00, the monthly mortgage cost was scored and weighted at 1.00, and the livability was scored and weighted at 1.00. The highest score was recorded for the best place to retire in each state, and the lowest score was recorded for the worst place to retire in each state. All data was collected on and is up to date as of June 24, 2024.

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This article originally appeared on GOBankingRates.com: The Best and Worst Place To Retire in Every State