10 Best States To Retire Aarp


The Best States To Retire In 2022

Top 10 Worst States to Retire or be a Senior Citizen.

To find an objective answer to the question of what states are the best to retire in, we came up with a relatively simple formula: Follow the money.

Millionaires tend to be able to live in places that offer the best lifestyles. Of course, anyone can run out of money if they overspend, but the more money you have, the more options you have as to where to live.

So, to come up with the best states for retirees, lets look at the states with the highest percentage of millionaires and compare that list with the states that have the lowest taxes. That way, we can account for both lifestyle considerations and which states make the most sense from a financial perspective. Obviously, this is really for fun, but it should give you a pretty good idea of some top options for retirees.

The top two states to retire in according to our formula are drumroll please Alaska and New Hampshire! Special mentions go to Delaware, Virginia, and Washington, which were all in the top 20 on both lists.

Its interesting to see that low-tax states like South Dakota and Texas dont make the top 10, or even the top 20 states with the most millionaires. Well be following to see if they make the list in future years, since these states offer such good tax benefits.

What About Retirement Lifestyle

Money isnt everything in retirement theres no point in having money if you cant spend it on a lifestyle that makes you happy, such as being able to roam in nature or go out to nice dinners, shows, and museums. Many of us wont have unlimited funds when we reach retirement age, so we may need to make sacrifices and relocate.

Its impossible to say with any real conviction which states offer the best lifestyle for retirees since its such a subjective decision. Are you a big city person? Or do you prefer the quiet of a small town? Or maybe youd prefer a secluded country retreat? Which states offer the best lifestyle is really going to depend on you.

States Ranked By Medicare Quality

While Original Medicare Medicare Part A and Part B are administered by the federal government and the same for all states, Medicare Advantage plans and Medigap policies may vary from state to state.

These plans are sold by private insurers that contract with Medicare. They are regulated by state insurance commissions instead of the federal government. You should also check your Medicare Advantage or Medigap plan to see if it will cover you when you move.

The quality of Medicare coverage may vary from state to state, according to U.S. News & World Report which ranks states on the quality of Medicare.

The 5 Best and Worst States for Quality of Medicare

Best States

But your own tastes are a big part of determining how youll define quality of life in retirement. Just like financial and health care considerations, you should consider what you want out of life in retirement when you begin retirement planning.

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A Diverse Place Thats Easy To Get Around

Jeff Nelson

Mr. Joseph of Jamaican and African Cuisine a small restaurant off Interstate 40 serves his signature dish, which includes Oxtail, steamed cabbage, yellow rice and plantains.

Charles Blalark had his pick of places to retire after 37 years as a street supervisor for the town of Elgin, Illinois. But he returned to the place where he grew up: Jackson, Tennessee. At the end of the day, its still got that hometown feeling, the 72-year-old says. And the cost of living is fantastic.

Its status as a majority-minority city is a big draw for retirees looking for a diverse place to live. Jackson also prides itself on being gridlock free drivers can zip through town in 15 to 20 minutes. Even with the relaxed pace, Jackson was among the first cities in Tennessee to get ultrafast internet with download speeds of 1 gigabit per second.

Jackson has abundant parks, greenways and walking trails. And retirees will find plenty of opportunities for golf, fishing and hiking. There are numerous fitness centers, including Lift, an 84,000-square-foot facility with a medical clinic, three indoor pools and a healthy café. Jackson offers free concerts at the Amp, an outdoor amphitheater next to the farmers market. And retirees can see musicals and plays at the performing arts center that locals call The Ned.

Sheila Burke

Jeff Nelson

On this beautiful fall afternoon, The Jackson Amphitheater known as The Amp, showcases local performers for the residents.


Peter Frank Edwards

The 10 Best Places To Retire In The Us In 2022

Retirement Friendly States Map

Elizabeth O’Brien21 min read


Retirement looks different for everyone. Maybe your dream is lounging by the beach or boating over crystal blue waters. Or maybe it’s exploring the great outdoors or taking in museums, live music and theater.

Perhaps you don’t plan to “retire” at all, but instead start a new business after your main career ends. No matter what your vision looks like, theres a place to bring it to life, and our 2021 Best Places to Retire list can help you home in on that location.

We looked at nearly 100 different metrics to determine the top 10 most desirable places to retire in the U.S. Home prices, weather and access to health care factored in, as did local amenities and facilities. The result is a wide-ranging list of towns that spans all the way from New Hampshire to Texas to Idaho.

We focused on places whose COVID-19 vaccination rates were close to or higher than their state average. And while some of the activities listed below may be modified due to the on-going pandemic, these locations also have abundant outdoor resources.

Need help finding the perfect spot to put down roots and enjoy this exciting life stage? Dig in and enjoy.

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Mississippilast On My List Of The Best States To Retire In

Mississippi is arguably the cheapest state to live in, ranking #1 for the cost of living. That may be a big draw for the nearly 16% of the 65 and over population that calls Mississippi home.

Many people may hold misconceptions about the state such as there is widespread poverty with very little attractions. However, Mississippi has some absolutely stunning scenery and very popular beaches. Likewise, there are many outdoor activities to be involved in such as at the beach, hiking, or fishing on one of its many rivers.

If you want to learn more about retiring in Mississippi, you can read this official page for more information.

Plus, in the state of Mississippi, there is no estate tax/inheritance tax and income tax is low. Retirement income from typical retirement accounts such as IRAs or 401 is also not taxed.

Cost of Living Rank- per US News Healthcare Rank-per Us News
  • The Dakotas
  • Pennsylvania

So if you looking for a great state to retire in, it might be worth starting your research with these states, which consistently rank very high in almost all of the lists.

Best States To Retire

Retirement might be the end of your career, but it doesnt have to be the end of financial security or life satisfaction. Retirement generally coincides with the age at which we may receive Social Security or pension benefits. However, not everyone can retire when they want to. In fact, 27% of non-retired adults havent saved any money for retirement, though not necessarily through any fault of their own.

But in addition to when to retire, a good question to ask is where. Finding the best states to retire can be difficult without doing lots of research. Even in the most affordable areas of the U.S., most retirees cannot rely on Social Security or pension checks alone to cover all of their living expenses. Social Security benefits increase with local inflation, but they replace only about 40% of the average workers earnings.

If retirement is still a big question mark for you because of finances, consider relocating to a state that lets you keep more money in your pocket without requiring a drastic lifestyle change. To determine the best states to retire, WalletHub compared the 50 states across 47 key indicators of retirement-friendliness. Our analysis examines affordability, health-related factors and overall quality of life.

34 28

Note: With the exception of Total Score, all of the columns in the table above depict the relative rank of that state, where a rank of 1 represents the best conditions for that metric category.

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Aarp Names Idaho Falls A Top Place To Retire


The secrets been out for a long time, but Idaho Falls is a great place to live.

Add AARP to the growing list of organizations that have come to that realization.

Last month AARP named the city as one of its best places in America to live and retire. The article cited the citys many attractive amenities such as parks and trails and overall cost of living.

Welcome to the party AARP, better late than never.

In 2019, CNN Money ranked Idaho Falls as the nations 93rd best place to live. CNN Moneys rankings only looked at places with 50,000 or more people and broke down places with more than 300,000 people into neighborhoods.

Also in 2019, Livability.com, ranked Idaho Falls 47th among its 2019 Top 100 Places to Live. Livability.com studied 1,000 cities and collected data on economics, housing, amenities, infrastructure, demographics, social and civic capital, education and health care.

Those are just a couple of the many lists and national rankings over the past decade-plus that have touted all that Idaho Falls has to offer.

An AARP press release said that while reliance on the internet, technology and broadband access has surged, so has Americas desire for open space, calmer environments and a palpable sense of community. AARP created a list of 14 criteria to come up with the new list of best places, which placed Idaho Falls in the top tier of desirable communities.

You can read AARPs full article at bit.ly/Idaho-Falls-AARP.

Have A Bunch Of Interests

TOP Tax Friendly States for Retirees- 2021’S TOP 10 LIST

Sitting on the couch watching reruns of Fantasy Island will not likely result in a fantasy retirement. The happiest retirees know very well how to travel, play and explore, and they wholeheartedly engage in three or more hobbies on a regular basis, says Moss. Curiosity may have killed the cat, but a lack of curiosity kills the happy retiree, he says. Keep in mind, it doesnt really matter what your interests are. It might be hiking or biking. It might be photography or volunteering. It might even be painting theatrical sets for the community playhouse. The one thing that matters is that you feel passionate about these interests, he says.

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What Are The Best States For Seniors To Retire

I know AARP does their own articles on best places to retire…. but what are your thoughts based on your own experiences.

Keep in mind…. cost, weather, transportation and most of all excellent health care for seniors.

In the past eight years, Ive lived in seven states. Currently in Nevada, I predict yet another moving adventure in 2020. I enjoyed growing up in northern MI with lots of snow, so South Lake Tahoe last winter where I shoveled snow until spring was heavenly. Im so grateful to be a reasonably healthy/young 74-year old with at least 26 more good years ahead of me. Throughout my life, Ive traveled to 40 states and lived in 16. I would say that the best state for seniors to live in is any statewhere you feel at home. Im still looking for that warm and fuzzy feeling.

We live in Spring, TX, a northern suburb of Houston, and adjacent to The Woodlands. Texas has very high real estate taxes , and only limited relief for seniors. The largest part of the tax hit is by the school districts. I have been advocating that the current tax relief seniors qualify for automatically at age 65 should be increased by 10% annually .

I have driven across Canada, taken the trains both ways, and have been to all major cities, and even went to the Calgary Stampede.

Ok, so where is the best place to live? It will vary for each individual. But there are several important factors.

Nevada7th Best State To Retire In And My Favorite

Home to beautiful Lake Tahoe, Lake Mead, Tule Springs Fossil Beds National Monument.

Home to beautiful Lake Tahoe, Lake Mead, Tule Springs Fossil Beds National Monument.

Las Vegas and Reno. What many people dont know about Nevada is that it is actually a giant outdoors playground for adults. Outdoor activities in Las Vegas area are quickly dismissed by many due to the reputation of The Strip.

However, within a short drive of Las Vegas area the Red Rock mountains , Valley of Fire , the Colorado River , Mount Charleston and beautiful southern Utah .

The summers are hot, but many people love that and the winters are hard to beat! Many new retirees choose Henderson to retire as well.

The 65 and over demographic makes up 16% of the population.

No state income tax, no estate or inheritance tax

Cost of Living Rank- per US News Healthcare Rank- per Us News Median Home Value- per Zillow

The states property tax averages below 1% as well.

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Health Care Total Points: 30

  • Percentage of Residents 12+ Who Are Fully Vaccinated: Double Weight
  • Family Medicine Physicians per Capita: Double Weight
  • Dentists per Capita: Full Weight
  • Nurses per Capita: Full Weight
  • Home Health Aides per Capita: Full Weight Note: Home health aides often help older adults who need assistance. In some states, home health aides may be able to give a client medication or check the clients vital signs under the direction of a nurse or other healthcare practitioner.
  • Top-Rated Geriatrics Hospitals: Double Weight
  • Health-Care Facilities per Capita: Full Weight
  • Quality of Public Hospitals: Full Weight Note: This metric is based on Centers for Medicare & Medicaid Services ranking of public hospitals.
  • Well-Being Index for Population Aged 55 and Older: Full Weight
  • Life Expectancy: Full Weight
  • Death Rate for Population Aged 65 & Older: Full Weight

Whether To Work Or Retire These Communities Deliver On The Qualities We Most Want In A Hometown

Retirement Friendly States Map

AARP, November 29, 2021

What many of us have concluded is that our criteria are changing. Amid months of social distancing, we learned that space matters. According to a University of Vermont survey, 59 percent said the pandemic taught them that nature is integral to their well-being. At the same time, our reliance on technology and the internet has surged, and so broadband access has become even more important to daily life. More generally, trends show we want larger and more flexible homes, calmer environments, a palpable sense of community, but also 21st-century infrastructure.

Best Places to Live

Sioux Falls, South Dakota

Over the years, AARP The Magazine has regularly reported on great places to live on a modest income. But in our first assessment since the pandemic began, we knew we had to amend the criteria. AARPs Livable Communities team which provides support to local leaders to help make cities and towns best-suited for people of all ages and the AARP Public Policy Institute which publishes the popular Livability Index used by real estate agents and home shoppers nationwide worked with our editors to come up with 14 objective points of data by which to assess American communities in this new reality. From them, a set of communities emerged. It was full of surprises: a few big cities you might not expect to be retirement-friendly, and smaller towns that are hardly known outside their region.

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Outdoor Beauty And A Quiet Lifestyle

Sean Pavone / Alamy Stock Photo

Downtown Provo, Utah on Center Street at dusk.

Nestled between Utah Lake and the Wasatch Range, Provo offers watersports, hiking, fly fishing and skiing within a short drive of the antique shops, bookstores and restaurants along Center Street.

The nearby Uinta-Wasatch-Cache National Forest features more than 1,700 miles of hiking trails, and more than 500 miles are open to easier-to-pedal electric bicycles and electric trail bikes. Were known as the forest next door, says public affairs officer Loyal Clark. Most residents can either walk right out their back door or take a very short drive to access the national forest. About 30 minutes from Provo, Timpanogos Cave National Monument invites visitors to explore three spectacular limestone caves on ranger-led tours. Provo is also just a half-days drive from all five of Utahs national parks.

The areas outdoor beauty attracted the actor Robert Redford decades ago to purchase property in the North Fork of Provo Canyon. Redford championed conservation while building a mountain recreation resort and staging the Sundance Film Festival in Park City.

Ed Carter

Sean Pavone / Alamy Stock Photo

Provo, Utah, view of downtown from the lookout during an autumn dusk.


Cheapest States To Retire

If you are looking to save some money while in retirement, start by choosing one of the cheapest states to retire. The following are a few of the cheapest states based on tax rates for retirees, cost of living for seniors, and health care costs.

Alabama is considered a tax-friendly state for retirees according to Kiplinger. This means that most senior benefits including Social Security and pension funds are not taxed by the state. In addition, homeowners who are over 65 do not have to pay property taxes to the state. Alabama doesnt have an estate or inheritance tax either. You will have to pay for sales taxes on food, personal items, and medicine, which is something to consider.

Arizona offers a cost of living for seniors that is nearly 4 percent lower than the U.S. average. It is little wonder that Arizona is home to some of the biggest senior cities in the nation including Peoria, Tempe, and Mesa. In fact, Kiplinger notes that Prescott, Arizona is one of the cheapest cities to live for seniors in Arizona, while still offering a goldmine of senior services and activities for retirees. Plus, Arizona offers some of the best weather in terms of sunshine and mild winters, which is why it is a hot place to go for senior snowbirds from northern states.

Here are some of the other cheapest states to retire to:

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