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The Best and Worst Place To Retire in Every State

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Some cities are better suited for

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than others.

To determine the best and worst place in each U.S. state to retire, GOBankingRates used the U.S. Census ********* 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 ******** rate, and the total number of residents aged 65-plus under the ******** rate.

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

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

In alphabetical order, here are the

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.

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Best and Worst Place To Retire: Alabama

Best city: Orange Beach

Average income of households with retirement income: $30,223

Average income of households with Social Security income: $27,361

Average monthly total cost of living: $1,860

Average monthly mortgage cost: $3,684

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

Livability: 77

Worst city: Tarrant

Average income of households with retirement income: $12,421

Average income of households with Social Security income: $14,781

Average monthly total cost of living: $1,903

Average monthly mortgage cost: $433

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

Livability: 45

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Best and Worst Place To Retire: Alaska

Best city: Sterling

Average income of households with retirement income: $34,639

Average income of households with Social Security income: $22,706

Average monthly total cost of living: $2,148

Average monthly mortgage cost: $2,057

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

Livability: 59

Worst city: Meadow Lakes

Average income of households with retirement income: $34,733

Average income of households with Social Security income: $22,810

Average monthly total cost of living: $2,362

Average monthly mortgage cost: $2,043

Average 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

Average income of households with retirement income: $27,654

Average income of households with Social Security income: $25,346

Average monthly total cost of living: $1,870

Average monthly mortgage cost: $1,976

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

Livability: 71

Worst city: Somerton

Average income of households with retirement income: $42,864

Average income of households with Social Security income: $15,533

Average monthly total cost of living: $2,044

Average monthly mortgage cost: $1,557

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

Livability: 60

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Best and Worst Place To Retire: Arkansas

Best city: Cherokee Village

Average income of households with retirement income: $18,069

Average income of households with Social Security income: $22,387

Average monthly total cost of living: $1,650

Average monthly mortgage cost: $834

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

Livability: 59

Worst city: Wynne

Average income of households with retirement income: $21,862

Average income of households with Social Security income: $19,074

Average monthly total cost of living: $1,629

Average monthly mortgage cost: $769

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

Livability: 54

Pictured: Little Rock, Arkansas

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Best and Worst Place To Retire: California

Best city: Laguna Woods

Average income of households with retirement income: $41,089

Average income of households with Social Security income: $24,300

Average monthly total cost of living: $1,915

Average monthly mortgage cost: $2,874

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

Livability: 72

Worst city: Orange Cove

Average income of households with retirement income: $31,666

Average income of households with Social Security income: $9,788

Average monthly total cost of living: $1,885

Average monthly mortgage cost: $1,624

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

Livability: 45

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Best and Worst Place To Retire: Colorado

Best city: Salida

Average income of households with retirement income: $44,791

Average income of households with Social Security income: $18,412

Average monthly total cost of living: $1,726

Average monthly mortgage cost: $4,159

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

Livability: 83

Worst city: Aspen

Average income of households with retirement income: $34,668

Average income of households with Social Security income: $28,913

Average monthly total cost of living: $1,739

Average monthly mortgage cost: $54,999

Average 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

Average income of households with retirement income: $29,536

Average income of households with Social Security income: $21,732

Average monthly total cost of living: $2,036

Average monthly mortgage cost: $1,839

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

Livability: 82

Worst city: Stamford

Average income of households with retirement income: $37,859

Average income of households with Social Security income: $23,074

Average monthly total cost of living: $2,237

Average monthly mortgage cost: $4,979

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

Livability: 70

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Best and Worst Place To Retire: Delaware

Best city: Newark

Average income of households with retirement income: $45,461

Average income of households with Social Security income: $27,664

Average monthly total cost of living: $2,052

Average monthly mortgage cost: $2,103

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

Livability: 83

Worst city: Wilmington

Average income of households with retirement income: $25,660

Average income of households with Social Security income: $20,414

Average monthly total cost of living: $1,959

Average monthly mortgage cost: $1,903

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

Livability: 62

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Sean Pavone / Getty Images/iStockphoto

Washington, D.C.

Average income of households with retirement income: $49,072

Average income of households with Social Security income: $19,782

Average monthly total cost of living: $2,107

Average monthly mortgage cost: $4,361

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

Livability: 75

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Art Wager / iStock.com

Best and Worst Place To Retire: Florida

Best city: The Villages

Average income of households with retirement income: $45,870

Average income of households with Social Security income: $30,704

Average monthly total cost of living: $1,816

Average monthly mortgage cost: $2,442

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

Livability: 70

Worst city: Miami Beach

Average income of households with retirement income: $32,109

Average income of households with Social Security income: $18,980

Average monthly total cost of living: $2,030

Average monthly mortgage cost: $15,437

Average 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

Average income of households with retirement income: $61,619

Average income of households with Social Security income: $31,361

Average monthly total cost of living: $1,842

Average monthly mortgage cost: $5,459

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

Livability: 61

Worst city: Lovejoy

Average income of households with retirement income: $10,827

Average income of households with Social Security income: $13,528

Average monthly total cost of living: $1,950

Average monthly mortgage cost: $1,771

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

Livability: 61

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zorazhuang / Getty Images/iStockphoto

Best and Worst Place To Retire: Hawaii

Best city: Kaneohe

Average income of households with retirement income: $41,756

Average income of households with Social Security income: $24,446

Average monthly total cost of living: $2,389

Average monthly mortgage cost: $6,809

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

Livability: 72

Worst city: Kapolei

Average income of households with retirement income: $39,864

Average income of households with Social Security income: $27,077

Average monthly total cost of living: $2,507

Average monthly mortgage cost: $5,378

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

Livability: 68

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Best city: Post Falls

Average income of households with retirement income: $28,638

Average income of households with Social Security income: $21,500

Average monthly total cost of living: $1,746

Average monthly mortgage cost: $2,993

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

Livability: 88

Worst city: Hailey

Average income of households with retirement income: $27,256

Average income of households with Social Security income: $26,165

Average monthly total cost of living: $1,768

Average monthly mortgage cost: $5,247

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

Livability: 69

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andyKRAKOVSKI / Getty Images/iStockphoto

Best and Worst Place To Retire: Illinois

Best city: Willowbrook

Average income of households with retirement income: $34,694

Average income of households with Social Security income: $28,791

Average monthly total cost of living: $1,922

Average monthly mortgage cost: $2,691

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

Livability: 78

Worst city: West Chicago

Average income of households with retirement income: $25,276

Average income of households with Social Security income: $26,267

Average monthly total cost of living: $1,893

Average monthly mortgage cost: $2,139

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

Livability: 62

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Best and Worst Place To Retire: Indiana

Best city: Bedford

Average income of households with retirement income: $19,770

Average income of households with Social Security income: $21,160

Average monthly total cost of living: $1,671

Average monthly mortgage cost: $1,200

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

Livability: 79

Worst city: Lake Station

Average income of households with retirement income: $19,019

Average income of households with Social Security income: $22,342

Average monthly total cost of living: $1,753

Average monthly mortgage cost: $911

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

Livability: 62

Pictured: Bloomington, Indiana

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Laurens Hoddenbagh / Shutterstock.com

Best and Worst Place To Retire: Iowa

Best city: Pella

Average income of households with retirement income: $28,480

Average income of households with Social Security income: $25,563

Average monthly total cost of living: $1,707

Average monthly mortgage cost: $2,011

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

Livability: 89

Worst city: Iowa City

Average income of households with retirement income: $32,129

Average income of households with Social Security income: $24,092

Average monthly total cost of living: $1,925

Average monthly mortgage cost: $1,918

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

Livability: 83

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cweimer4 / Getty Images

Best and Worst Place To Retire: Kansas

Best city: Abilene

Average income of households with retirement income: $19,331

Average income of households with Social Security income: $20,524

Average monthly total cost of living: $1,767

Average monthly mortgage cost: $1,028

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

Livability: 76

Worst city: ********

Average income of households with retirement income: $19,750

Average income of households with Social Security income: $19,592

Average monthly total cost of living: $1,773

Average monthly mortgage cost: $832

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

Livability: 67

Pictured: Wichita, Kansas

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Kirkikis / Getty Images

Best and Worst Place To Retire: Kentucky

Best city: Edgewood

Average income of households with retirement income: $48,261

Average income of households with Social Security income: $28,779

Average monthly total cost of living: $1,861

Average monthly mortgage cost: $2,122

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

Livability: 88

Worst city: Oak Grove

Average income of households with retirement income: $18,760

Average income of households with Social Security income: $18,515

Average monthly total cost of living: $1,753

Average monthly mortgage cost: $1,196

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

Livability: 57

Pictured: Lexington, Kentucky

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Art Wager / Getty Images/iStockphoto

Best and Worst Place To Retire: Louisiana

Best city: Metairie

Average income of households with retirement income: $33,659

Average income of households with Social Security income: $21,830

Average monthly total cost of living: $1,891

Average monthly mortgage cost: $1,754

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

Livability: 85

Worst city: Bastrop

Average income of households with retirement income: $11,895

Average income of households with Social Security income: $15,196

Average monthly total cost of living: $1,890

Average monthly mortgage cost: $477

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

Livability: 51

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Photo Italia LLC / Getty Images/iStockphoto

Best and Worst Place To Retire: Maine

Best city: Brunswick

Average income of households with retirement income: $34,447

Average income of households with Social Security income: $21,443

Average monthly total cost of living: $1,778

Average monthly mortgage cost: $3,020

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

Livability: 87

Worst city: Brewer

Average income of households with retirement income: $27,901

Average income of households with Social Security income: $19,028

Average monthly total cost of living: $1,792

Average monthly mortgage cost: $1,691

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

Livability: 69

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DenisTangneyJr / Getty Images/iStockphoto

Best and Worst Place To Retire: Maryland

Best city: Cumberland

Average income of households with retirement income: $27,067

Average income of households with Social Security income: $20,959

Average monthly total cost of living: $1,656

Average monthly mortgage cost: $872

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

Livability: 78

Worst city: Bladensburg

Average income of households with retirement income: $23,667

Average income of households with Social Security income: $17,049

Average monthly total cost of living: $2,036

Average monthly mortgage cost: $2,074

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

Livability: 69

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SeanPavonePhoto / Getty Images/iStockphoto

Best and Worst Place To Retire: Massachusetts

Best city: Wakefield

Average income of households with retirement income: $38,725

Average income of households with Social Security income: $23,686

Average monthly total cost of living: 1,919

Average monthly mortgage cost: $4,954

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

Livability: 88

Worst city: Cambridge

Average income of households with retirement income: $44,415

Average income of households with Social Security income: $23,946

Average monthly total cost of living: $2,257

Average monthly mortgage cost: $10,699

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

Livability: 86

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Corrado Baratta / Shutterstock.com

Best and Worst Place To Retire: Michigan

Best city: Ludington

Average income of households with retirement income: $21,750

Average income of households with Social Security income: $21,587

Average monthly total cost of living: $1,582

Average monthly mortgage cost: $1,634

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

Livability: 82

Worst city: Benton Harbor

Average income of households with retirement income: $10,608

Average income of households with Social Security income: $14,454

Average monthly total cost of living: $1,715

Average monthly mortgage cost: $850

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

Livability: 55

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Bobak Ha’Eri / Wikimedia Commons

Best and Worst Place To Retire: Minnesota

Best city: Fergus Falls

Average income of households with retirement income: $19,904

Average income of households with Social Security income: $22,846

Average monthly total cost of living: $1,539

Average monthly mortgage cost: $1,136

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

Livability: 82

Worst city: Oak Grove

Average income of households with retirement income: $23,137

Average income of households with Social Security income: $23,719

Average monthly total cost of living: $1,822

Average monthly mortgage cost: $2,702

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

Livability: 62

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jayperk / Flickr.com

Best and Worst Place To Retire: Mississippi

Best city: Ocean Springs

Average income of households with retirement income: $34,647

Average income of households with Social Security income: $22,409

Average monthly total cost of living: $1,787

Average monthly mortgage cost: $1,566

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

Livability: 84

Worst city: Brookhaven

Average income of households with retirement income: $23,478

Average income of households with Social Security income: $16,976

Average monthly total cost of living: $1,735

Average monthly mortgage cost: $1,008

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

Livability: 62

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Ken seghers / Flickr.com

Best and Worst Place To Retire: Missouri

Best city: Weldon Spring

Average income of households with retirement income: $42,515

Average income of households with Social Security income: $26,584

Average monthly total cost of living: $1,788

Average monthly mortgage cost: $3,726

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

Livability: 74

Worst city: Glasgow Village

Average income of households with retirement income: $3,795

Average income of households with Social Security income: $17,835

Average monthly total cost of living: $1,764

Average monthly mortgage cost: $385

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

Livability: 54

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Best and Worst Place To Retire: Montana

Best city: Helena

Average income of households with retirement income: $28,914

Average income of households with Social Security income: $21,621

Average monthly total cost of living: $1,685

Average monthly mortgage cost: $2,821

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

Livability: 81

Worst city: Belgrade

Average income of households with retirement income: $38,274

Average income of households with Social Security income: $16,426

Average monthly total cost of living: $1,782

Average monthly mortgage cost: $3,418

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

Livability: 77

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Atomic Energy505 / Wikimedia Commons CC-BY-SA 3

Best and Worst Place To Retire: Nebraska

Best city: Papillion

Average income of households with retirement income: $40,370

Average income of households with Social Security income: $24,986

Average monthly total cost of living: $1,900

Average monthly mortgage cost: $2,393

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

Livability: 85

Worst city: Kearney

Average income of households with retirement income: $23,254

Average income of households with Social Security income: $23,878

Average monthly total cost of living: $2,257

Average monthly mortgage cost: $1,766

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

Livability: 82

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constantgardener / Getty Images/iStockphoto

Best and Worst Place To Retire: Nevada

Best city: Mesquite

Average income of households with retirement income: $38,444

Average income of households with Social Security income: $26,855

Average monthly total cost of living: $1,807

Average monthly mortgage cost: $2,399

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

Livability: 76

Worst city: Sun Valley

Average income of households with retirement income: $21,550

Average income of households with Social Security income: $18,636

Average monthly total cost of living: $1,835

Average monthly mortgage cost: $2,474

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

Livability: 60

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Pierre-Olivier Valiquette / Getty Images/iStockphoto

Best and Worst Place To Retire: New Hampshire

Best city: Concord

Average income of households with retirement income: $29,570

Average income of households with Social Security income: $23,853

Average monthly total cost of living: $1,737

Average monthly mortgage cost: $2,642

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

Livability: 88

Worst city: Lebanon

Average income of households with retirement income: $46,845

Average income of households with Social Security income: $25,172

Average monthly total cost of living: $1,759

Average monthly mortgage cost: $2,772

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

Livability: 65

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Jim.henderson / Wikimedia Commons

Best and Worst Place To Retire: New Jersey

Best city: Mays Landing

Average income of households with retirement income: $37,576

Average income of households with Social Security income: $29,306

Average monthly total cost of living: $1,828

Average monthly mortgage cost: $1,978

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

Livability: 74

Worst city: Passaic

Average income of households with retirement income: $18,014

Average income of households with Social Security income: $17,831

Average monthly total cost of living: $2,102

Average monthly mortgage cost: $3,261

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

Livability: 60

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EKH-Pictures / Getty Images/iStockphoto

Best and Worst Place To Retire: New Mexico

Best city: ******

Average income of households with retirement income: $25,307

Average income of households with Social Security income: $19,899

Average monthly total cost of living: $1,656

Average monthly mortgage cost: $822

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

Livability: 71

Worst city: Chaparral

Average income of households with retirement income: $22,638

Average income of households with Social Security income: $18,257

Average monthly total cost of living: $1,699

Average monthly mortgage cost: $1,133

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

Livability: 45

Pictured: Roswell, New Mexico

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benedek / Getty Images/iStockphoto

Best and Worst Place To Retire: New York

Best city: Fredonia

Average income of households with retirement income: $26,532

Average income of households with Social Security income: $26,594

Average monthly total cost of living: $1,761

Average monthly mortgage cost: $1,164

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

Livability: 82

Worst city: Monsey

Average income of households with retirement income: $31,311

Average income of households with Social Security income: $26,781

Average monthly total cost of living: $2,396

Average monthly mortgage cost: $7,385

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

Livability: 61

Pictured: Buffalo, New York

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Sean Pavone / Getty Images/iStockphoto

Best and Worst Place To Retire: North Carolina

Best city: ****** Mountain

Average income of households with retirement income: $37,169

Average income of households with Social Security income: $27,365

Average monthly total cost of living: $1,951

Average monthly mortgage cost: $2,868

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

Livability: 85

Worst city: Spring Lake

Average income of households with retirement income: $16,157

Average income of households with Social Security income: $14,257

Average monthly total cost of living: $1,835

Average monthly mortgage cost: $1,523

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

Livability: 59

Pictured: Asheville, North Carolina

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sakakawea7 / Getty Images/iStockphoto

Best and Worst Place To Retire: North Dakota

Best city: Bismarck

Average income of households with retirement income: $34,756

Average income of households with Social Security income: $22,218

Average monthly total cost of living: $1,691

Average monthly mortgage cost: $2,200

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

Livability: 78

Worst city: Watford City

Average income of households with retirement income: $16,717

Average income of households with Social Security income: $17,732

Average monthly total cost of living: $1,762

Average monthly mortgage cost: $1,929

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

Livability: 71

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Cory C. Sitko / Flickr.com

Best and Worst Place To Retire: Ohio

Best city: Strongsville

Average income of households with retirement income: $37,302

Average income of households with Social Security income: $23,887

Average monthly total cost of living: $1,719

Average monthly mortgage cost: $2,072

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

Livability: 87

Worst city: Moraine

Average income of households with retirement income: $20,062

Average income of households with Social Security income: $19,510

Average monthly total cost of living: $1,727

Average monthly mortgage cost: $916

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

Livability: 51

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©Northwestern Oklahoma State University

Best and Worst Place To Retire: Oklahoma

Best city: Alva

Average income of households with retirement income: $32,717

Average income of households with Social Security income: $18,954

Average monthly total cost of living: $1,893

Average monthly mortgage cost: $582

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

Livability: 80

Worst city: Anadarko

Average income of households with retirement income: $23,696

Average income of households with Social Security income: $15,555

Average monthly total cost of living: $2,129

Average monthly mortgage cost: $358

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

Livability: 53

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©Shutterstock.com

Best and Worst Place To Retire: Oregon

Best city: Florence

Average income of households with retirement income: $28,735

Average income of households with Social Security income: $23,417

Average monthly total cost of living: $1,715

Average monthly mortgage cost: $2,552

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

Livability: 69

Worst city: Independence

Average income of households with retirement income: $28,316

Average income of households with Social Security income: $17,969

Average monthly total cost of living: $1,778

Average monthly mortgage cost: $2,470

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

Livability: 66

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Sean Pavone / Getty Images/iStockphoto

Best and Worst Place To Retire: Pennsylvania

Best city: Titusville

Average income of households with retirement income: $18,140

Average income of households with Social Security income: $19,844

Average monthly total cost of living: $1,750

Average monthly mortgage cost: $616

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

Livability: 82

Worst city: Philadelphia

Average income of households with retirement income: $25,430

Average income of households with Social Security income: $18,515

Average monthly total cost of living: $2,084

Average monthly mortgage cost: $1,307

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

Livability: 76

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DenisTangneyJr / Getty Images/iStockphoto

Best and Worst Place To Retire: Rhode Island

Best city: Cranston

Average income of households with retirement income: $27,851

Average income of households with Social Security income: $20,259

Average monthly total cost of living: $1,891

Average monthly mortgage cost: $2,528

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

Livability: 85

Worst city: Central Falls

Average income of households with retirement income: $13,855

Average income of households with Social Security income: $15,903

Average monthly total cost of living: $1,929

Average monthly mortgage cost: $2,094

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

Livability: 64

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Craig McCausland / iStock.com

Best and Worst Place To Retire: South Carolina

Best city: Murrells Inlet

Average income of households with retirement income: $35,756

Average income of households with Social Security income: $26,060

Average monthly total cost of living: $1,749

Average monthly mortgage cost: $2,610

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

Livability: 74

Worst city: Central

Average income of households with retirement income: $17,844

Average income of households with Social Security income: $17,580

Average monthly total cost of living: $1,820

Average monthly mortgage cost: $1,589

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

Livability: 62

Pictured: Myrtle Beach, South Carolina

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Jacob Boomsma / Shutterstock.com

Best and Worst Place To Retire: South Dakota

Best city: Brandon

Average income of households with retirement income: $26,280

Average income of households with Social Security income: $21,963

Average monthly total cost of living: $1,778

Average monthly mortgage cost: $2,272

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

Livability: 87

Worst city: Box Elder

Average income of households with retirement income: $35,312

Average income of households with Social Security income: $16,821

Average monthly total cost of living: $2,031

Average monthly mortgage cost: $2,045

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

Livability: 63

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Michael Hatak / Shutterstock.com

Best and Worst Place To Retire: Tennessee

Best city: Paris

Average income of households with retirement income: $18,923

Average income of households with Social Security income: $20,692

Average monthly total cost of living: $1,680

Average monthly mortgage cost: $1,172

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

Livability: 73

Worst city: La Vergne

Average income of households with retirement income: $16,668

Average income of households with Social Security income: $22,135

Average monthly total cost of living: $1,876

Average monthly mortgage cost: $2,076

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

Livability: 65

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Sean Pavone / Getty Images/iStockphoto

Best and Worst Place To Retire: Texas

Best city: Kerrville

Average income of households with retirement income: $29,762

Average income of households with Social Security income: $21,751

Average monthly total cost of living: $1,719

Average monthly mortgage cost: $2,148

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

Livability: 81

Worst city: Sparks

Average income of households with retirement income: $28,649

Average income of households with Social Security income: $10,441

Average monthly total cost of living: $1,747

Average monthly mortgage cost: $918

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

Livability: 53

Pictured: El Paso, Texas

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miroslav_1 / Getty Images/iStockphoto

Best and Worst Place To Retire: Utah

Best city: Taylorsville

Average income of households with retirement income: $26,902

Average income of households with Social Security income: $23,829

Average monthly total cost of living: $1,796

Average monthly mortgage cost: $2,916

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

Livability: 86

Worst city: Salt Lake City

Average income of households with retirement income: $31,927

Average income of households with Social Security income: $22,625

Average monthly total cost of living: $1,811

Average monthly mortgage cost: $3,573

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

Livability: 75

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lukaszuka / Getty Images/iStockphoto

Best and Worst Place To Retire: Vermont

Best city: Middlebury

Average income of households with retirement income: $42,945

Average income of households with Social Security income: $23,201

Average monthly total cost of living: $1,983

Average monthly mortgage cost: $2,662

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

Livability: 81

Worst city: Burlington

Average income of households with retirement income: $29,313

Average income of households with Social Security income: $21,305

Average monthly total cost of living: $2,309

Average monthly mortgage cost: $3,349

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

Livability: 74

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©Shutterstock.com

Best and Worst Place To Retire: Virginia

Best city: Lynchburg

Average income of households with retirement income: $24,022

Average income of households with Social Security income: $21,748

Average monthly total cost of living: $1,767

Average monthly mortgage cost: $1,516

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

Livability: 91

Worst city: Fredericksburg

Average income of households with retirement income: $40,461

Average income of households with Social Security income: $20,790

Average monthly total cost of living: $1,915

Average monthly mortgage cost: $2,729

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

Livability: 65

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benedek / Getty Images

Best and Worst Place To Retire: Washington

Best city: Centralia

Average income of households with retirement income: $19,853

Average income of households with Social Security income: $18,461

Average monthly total cost of living: $1,602

Average monthly mortgage cost: $2,340

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

Livability: 79

Worst city: Seattle

Average income of households with retirement income: $35,689

Average income of households with Social Security income: $24,071

Average monthly total cost of living: $1,899

Average monthly mortgage cost: $5,807

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

Livability: 75

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Famartin / Wikimedia Commons

Best and Worst Place To Retire: West Virginia

Best city: Bridgeport

Average income of households with retirement income: $24,182

Average income of households with Social Security income: $23,396

Average monthly total cost of living: $1,899

Average monthly mortgage cost: $1,766

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

Livability: 82

Worst city: Charles Town

Average income of households with retirement income: $32,152

Average income of households with Social Security income: $20,739

Average monthly total cost of living: $2,172

Average monthly mortgage cost: $2,327

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

Livability: 75

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Michael Tatman / Shutterstock.com

Best and Worst Place To Retire: Wisconsin

Best city: Wausau

Average income of households with retirement income: $21,953

Average income of households with Social Security income: $21,359

Average monthly total cost of living: $1,711

Average monthly mortgage cost: $1,291

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

Livability: 90

Worst city: La Crosse

Average income of households with retirement income: $25,867

Average income of households with Social Security income: $21,524

Average monthly total cost of living: $2,008

Average monthly mortgage cost: $1,486

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

Livability: 67

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Davel5957 / iStock.com

Best and Worst Place To Retire: Wyoming

Best city: Cheyenne

Average income of households with retirement income: $35,005

Average income of households with Social Security income: $21,592

Average monthly total cost of living: $1,987

Average monthly mortgage cost: $2,196

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

Livability: 83

Worst city: Laramie

Average income of households with retirement income: $25,747

Average income of households with Social Security income: $21,607

Average monthly total cost of living: $2,196

Average monthly mortgage cost: $2,171

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

Livability: 70

Methodology: For this study, GOBankingRates analyzed cities across the ******* 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 ******** rate of residents aged 65+, total number of residents under ******** rate of ages 65+, the number of households that receive Social Security income, the number of households that receive retirement income, the average retirement income for households whom receive retirement income, and the average Social Security income for households that receive Social Security income, all sourced from the U.S. Census ********* Community Survey DP03 and S0101. For each city, the cost of living indexes were sourced from Sperling’s BestPlaces and using the national average expenditure costs for retired residents aged 65+, the average expenditure cost for each city can be calculated. The average single family home value for May 2024 was sourced from Zillow Home Value Index, and using the national average 30-year fixed mortgage rate as sourced from the Federal Reserve Economic Data, the average mortgage cost for each city was calculated. The average 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 ******** line was scored and weighted at 1.00, the Social Security income was scored and weighted at 1.00, the average 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 average 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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