The Best And Worst States In America For Seniors

At some point, we will all reach that age where it’s time to retire. After working all our lives towards our goals and our dreams, we want to make sure that the final years are spent comfortably. Therefore, it’s important to choose where we might decide to settle down once we are older, and this list will help you understand which state is the best for you. Also, it will warn you that some American states might not be the best to pick for your retirement. Let’s find out where we should live in the future!

THE WORST STATES

10. CALIFORNIA

California might be the land of Hollywood and glamour as well as a state with lots of beautiful weather, but it’s not the optimal place for senior citizens. The Golden State is not friendly with an older person’s finances. It’s considered one of the worst states to retire for many economic reasons like the huge income tax rates, and the cost of living, which is almost the most expensive in the United States. Additionally, people that might need more healthcare options like in-home assistance and more, this area is also not the best choice. The prices of most care options are also among the highest in the country, which is a shame because California is such a diverse with amazing views that make any person fall in love. Sadly, everyone needs to think about their future income, and other factors when they retire. Furthermore, the Golden State has a population of 38.7 million, and only 12.9% of them are over the age of 65. That’s actually a lot of people that have decided to stay here. However, they might be among the wealthiest retirees in the country.

Image credits: Senior Advice

Image credits: Senior Advice

The cost of living is 52% over the national average, which sits at $20,194 per person. Luckily, the average income for a retired household is $65,904, which is higher than the average of $53,799. Meanwhile, the expenses for a couple are $430,867, which is over the national average of $423,523, and in terms of taxes for retirees, it’s a mixed situation. California is considered the second state in the nation with the highest cost of living, behind Hawaii. And although the income per household seems high, some people cannot make ends meet with it. Reports state 1 in 10 Californians over 65 are considered poor. Furthermore, they don’t tax Social Security benefits, but their retirement income is, and California has large income tax rates. Single filers have a rate of 13.3%. The only good part is that people age 65 and above can get a $110 exemption on tax bills. However, California is also not the greatest in terms of fiscal health; so, it’s unlikely that it will become a retirement-friendlier state anytime soon.

9. ILLINOIS

Illinois does have some of the best healthcare in the United States throughout its area, but one of the reasons why it’s considered one of the worst places for retirees is the tax situation and the expensive cost of living. Not many states have high property, sales, and income taxes, but the Prairie State has all those combined. Furthermore, real estate and important living expenses are much pricier on Illinois than in the surrounding states. Additionally, the weather is not the most ideal place for seniors because it’s cold most of the year. Therefore, folks that are hoping to take regular walks and enjoy their leisure golden years might be better off considering moving to another part of the country. Also, due to all these reasons, it’s not surprising that Illinois has a very low senior population in general. The state has 12.9 million citizens, and they have 13.9% over the age of 65.

Image credits: Senior Advice

Image credits: Senior Advice

The cost of living is only 4% over the national average, and the average income for a retiree is $54,051, but the taxes eventually eat up too much of it. Additionally, the costs of healthcare options for older folks is at $435,889, which is above the norm. On the other hand, the Prairie State has been going through a tricky fiscal situation. They are covered in long-term debts, as well as unfunded pension obligations, and huge budgetary inequities. That’s why Illinois is the second-lowest state in terms of fiscal health, behind New Jersey according to George Mason University's Mercatus Center. Due to its credits ratings, the state cannot guarantee tax breaks for retirement income, 401Ks, or individual accounts. It’s likely that taxes will actually rise, and in some places, it’s already as high as 11%. However, there are some good things about the Prairie State such as the Chicago Cubs and the Blackhawks, and both teams have amazing followers. Additionally, there is Deep Dish Pizza and lots of farmlands.

8. NEW MEXICO

New Mexico is also known as the Land of Enchantment, but it might not be so magical for senior citizens. There’s a lot of work to do before anyone can comfortably retire in this area. While the weather is just as awesome as states like Texas and Arizona, which are in our ranking of the best states to retire in, New Mexico has some of the worst healthcare access. This reason plays a significant role in why the state ranks so low in this ranking. Other problems have to do with high crime rates, many seniors living under the poverty rate, and a short life expectancy. There is a population of 2.1 million citizens in the area, and 15.3% of them are over the age of 65. Luckily, the cost of living is just under the national average with 5% below, and the normal income for a retiree household is $46,836. Additionally, the cost of healthcare is also under the regular rate of the nation at $380,164, but it’s still pretty high considering the fact that not everyone can get medical attention. Another major issue is that it’s one of the least tax-friendly states as well.

Image credits: Senior Advice

Image credits: Senior Advice

Its nickname does not fit at all for senior citizens, especially because the tax breaks are simply not enough for people trying to live their golden years in peace. Social Security benefits are taxed, as well as retirement account transfers and pensions. Only some low-income people might ask for an exemption of up to $8,000. But, others might also try to take advantage of that break, which can further affect the economy, and that’s not good. The poverty rate for seniors is at 11.9%, which is the third-highest in the country. Since we hate to leave our readers on such a down note, let’s find out a few things that are actually great about New Mexico. It’s the best place for people who love spicy food. You might enjoy taking a ride in an air balloon during The Balloon Fiesta. Also, any fan of Hollywood can stay at the hotel where they shot ‘No Country For Old Men’.

7. NEW YORK

New York is the setting of so many Hollywood movies that people around the world want to live in the Big Apple, visit Time Square, work in the metropolis of fashion, and spend time at Central Park. And yes, the Empire State is considered one of the most cultural and financials havens around the globe, but it’s not the best place to live after retiring. As the films explain, if normal working people have a hard time paying rent, then retirees might not be able to afford anything. There’s a huge tax on property and income, and the cost of living is one of the highest in the country. People who want to buy a house in Manhattan to spend the rest of their lives in will have to pay a lot of money, and the prices of food, healthcare, and other important things will eat up your budget too quickly. Furthermore, senior folks that need more special care will not be able to afford a nursing home, assisted living, or adult daycare because they are also above the nation’s average. New York has a population of 19.7 million, and 14.7% of them are over the age of 65 as of 2018.

Image credits: Senior Advice

Image credits: Senior Advice

The cost of living is 22% above the national norm, which is not as bad as California but still significant. The estimated income for a retired household is $67,140, and the costs of healthcare for 65+ couples is over the level at $433,347. As mentioned, the tax situation is completely unfriendly for seniors. Manhattan is considered the most expensive in the country, as there are prices that go 138.6% over the average, as reported by the Council for Community and Economic Research. Luckily, other cities like Brooklyn are a bit less expensive with just 82% over the average for metropolitan areas in the United States. Meanwhile, Rochester and Utica are actually below the average. Therefore, some younger folks might be able to fulfill their dreams of living in this state somehow. However, no one would recommend it for retirement. Although the retirement income is among the top 5 in the nation, there is an 11.4% poverty rate among seniors, which is worse than the national rate of 9.3%.

6. OREGON

Just like the other states that fall under the “worst” category for retirement, Oregon is not great for people who live under a strict budget. The Beaver State has the second-highest income tax rate in the United States, and older citizens that need special healthcare options like assisted living, long-term care, and similar service will pay a lot more for it than folks in other regions. Additionally, the weather conditions are not the best because it does have some terribly cold seasons. People need lots of sunshine and good weather to go outside to enjoy their leisure activities. Oregon has a population of 4 million people, and 15.9% of them are over the age of 65. Unfortunately, the cost of living here is 18% higher than the national average, and a retired household can expect an income of $45,255, which is far below the norm of the country. A couple of retired folks might end up paying $412,398 in healthcare, which is a bit below average but not much help.

Image credits: Senior Advice

Image credits: Senior Advice

Furthermore, it’s not a tax-friendly place for seniors. They simply chipped away at a person’s income. Despite the fact that there is no sales tax, but it has the most expensive state income tax in the United States with 9.9%. Social Security benefits are merciful exempt, but everything else received by our senior citizens is taxable. And as already mentioned, they don’t have that much money coming in the first place. Their income is 15.9% compared to the American average of $53,799. Meanwhile, the cost of everything is too high as well. The only bright spot is its healthcare, but it’s not that encouraging. However, Oregon is a beautiful state with many tourist attractions that bring in lots of people. There’s the Crater Lake National Park, the Columbia River Gorge National Scenic Area, Cannon Beach, Mount Hood National Forest, and even the city of Astoria, which is the backdrop of the 80s classic ‘The Goonies’.

5. ARKANSAS

There are several reasons why Arkansas is one of the unfriendliest states for seniors, but they might not be what you think compared to the other worst regions. Older folks might not have that much access to healthcare and other services if they don’t live in the major cities. Even then, the availability is lower than other places. Its nickname might be the Land of Opportunity, but another major point is that life expectancies is lowest in the country. Additionally, in the last couple of years, the state has seen a huge rise in crime rates, which lowers its ranking for retirement option. The good part is that the cost of living is not that high, but it has a huge income tax rate that can cripple a retiree’s budget, especially for those living on investment salary. Seniors might be tempted to stay in the region because of the gorgeous parks, lakes, and warm summers in Arkansas, although the mosquitoes might be a drawback. It has a population of 3 million citizens, and 15.7% of them are over the age of 65.

Image credits: Senior Advice

Image credits: Senior Advice

While the cost of living is 17% under the national average, a household of retirees might have an income of $42,482, which is 21% before the level of America. Meanwhile, the healthcare costs for a couple are also under the country’s norm at $398,395, but the fact that it’s so hard to access medical attention is a huge problem and makes it much more expensive. Furthermore, the tax situation is not optimal. Social Security benefits and other retirement income up to $6,000 might be exempt, but anything beyond that might be facing a tax rate of 6.9%. Furthermore, it’s estimated that 10.5% of seniors are living in poverty, which is the eighth-highest in the nation. On the other hand, Arkansas is great place to see during a road trip as many people love seeing the Garvan Woodland Gardens, the Crystal Bridges Museum of American art, Mount Magazine State Park, the Clinton Presidential Center, and many other wonderful places.

4. MAINE

No one will ever tell you that Maine is an ugly place, but its beauty is overshadowed by some things that might not allow seniors to live their golden years comfortably. People that love the country and getting away from the city might love it, but elder folks that live in those areas do not have much access to medical attention. Additionally, it’s not the friendliest place for people on a budget, not only due to the high costs of living, but also because senior healthcare such as nursing homes, assisted living, and in-home care are way too expensive compared to the income. Meanwhile, the weather is also a huge factor for seniors, and their frigid winters might not allow those people the chance to enjoy the gorgeous landscapes properly, especially if they are worried about catching a cold. The Pine Tree State has a population of 1.3 million citizens, and 18.2% of them are over the age of 65. Living expenses are 2% less than the national average, and the average income for a retiree household is $40,256, which is 25.2% lower than the norm.

Image credits: Senior Advice

Image credits: Senior Advice

The cost of healthcare for a couple is $401,781, which might be 5.1% below the national average but it’s too much for the normal earnings of a senior citizen. Their tax rates are varied. There are some important tax breaks that could help some people. Social Security benefits are not taxed, but other retirement earnings are. They also have an estate tax, but it only applies to properties worth more than $11.18 million as of 2018. You might want to add Maine on your list of travels but not for your retirement. Among the great things that tourists can experience there, people can enjoy taking Windjammer Cruise along the Penobscot Bay, climbing Katahdin, camping at the Baxter State Park, white-water rafting at west branch of the Penobscot River, and even skiing at Sugarloaf.

3. MISSISSIPPI

Mississippi ranks as one of the unfriendliest states in America for retirement because of health and security, but also due to lack of leisure activities. It might be nicknamed The Hospitality State, but it’s anything but welcoming for senior folks and their stability. Healthcare and other services for older folks are not that available, and there has been a rise in crime rates that has decreased its ranking. Furthermore, their life expectancy is the lowest in the country, and that might be the reason why it doesn’t have that many senior communities. That’s also a huge factor in terms of quality of life because older folks won’t have many chances to socialize. Mississippi has a population of 3 million citizens, and only 14.3% are over the age of 65. Some rankings have this state is a great place to settle because the cost of living is 15% below the national average.

Image credits: Senior Advice

Image credits: Senior Advice

However, the estimated income for a household of retirees is $44,100, and the cost of healthcare for a couple over the age of 65 is $423,267, which is beyond the norm of the country. The bright spot is that it’s very tax-friendly for seniors. Its other nickname is Magnolia State, and it doesn’t tax Social Security and other retirement income such as IRAs transfer and 401ks. Furthermore, it has low property taxes as well. Unfortunately, the United Health Foundation placed it last regarding senior health, and it has the highest senior poverty rate for people over 65 at 13.4%. As mentioned, the national senior poverty rate average is 9.3%. On the other hand, tourists will definitely enjoy visiting this state. Some of the best things to do are driving along the Mississippi Great River Road, going to the All American Rose Garden, seeing the Eudora Welty House and Garden, and enjoying the Ohr-O'Keefe Museum of Art.

2. NORTH DAKOTA

North Dakota is the second worst state for retirement according to our ranking, and the main reason is that it’s one of the most pastoral regions in the United States. Although some other lists might place this state in the top positions due to the low costs of living and taxes, it’s not a great option because people who need medical attention or assisted living will have a hard time finding it. Overall happiness is also an issue as there isn’t much to do in North Dakota to entertain senior citizens. They won’t socialize with each other properly and might fall into depression. People want to spend their golden years having as much as their bodies will allow, and this state is not the place for that, especially because their weather conditions are also pretty awful. They won’t be able to leave their homes much due to the heavy winters. North Dakota has many nicknames, including the Peace Garden State, and there is a population of 736,162 citizens, and 14.2% of them are over the age of 65.

Image credits: Senior Advice

Image credits: Senior Advice

The cost of living is just 1% above the national average, and the normal household of retiree has an estimated income of $46,763. Meanwhile, the healthcare cost for a couple is just below the norm at $414,455, and it’s extremely tax-friendly for seniors. Although their taxes are also low, Social Security benefits and retirement income are taxable. Luckily, it’s somewhere between 1.1% and 2.9%. Furthermore, the Peace Garden State has pretty sound fiscal health, which means that it can draw other folks besides retirees. Meanwhile, anyone passing through this area has to check out the Theodore Roosevelt National Park, the Frontier Village and the National Buffalo Museum, the North Dakota Heritage Center, the Scandinavian Heritage Park, and the Fort Abraham Lincoln State Park.

1. IDAHO

Unfortunately, poor Idaho is considered the worst state for senior citizens. It might be absolutely gorgeous and other people might live happily here, but there are several reasons why older folks need to consider somewhere else. Just like North Dakota, Idaho has a mostly pastoral area, which is complicated for senior healthcare and assistance. The fact is that senior citizens need to be in places where help is just around the corner, and that’s difficult in the Gem State. Additionally, taxes in this state are not the best for people in a budget as their sales and state income tax are pretty compared to the average. Another major factor is that Idaho has one of the coldest climates in the country, and retirees that want to spend their days doing many leisure activities will be hindered by the weather. The Gem State has a population of 1.6 million, and 14.3% of them are over the age of 65. The cost of living is 5% below the national average, and a regular retiree household will make around $40,248.

Image credits: Senior Advice

Image credits: Senior Advice

Meanwhile, healthcare costs for a couple are also below the average at $407,942, but the tax situation is tricky. The state sales tax is 6%, and state income tax can go for 7.4%, but luckily, Social Security benefits are exempt. Another positive aspect is that it doesn’t have an inheritance or estate tax. However, quality of life is a huge issue on this list, and there’s no escaping the fact that seniors won’t be that happy here. Idaho might be famous for their potatoes, and everyone loves them, but that’s not enough. On the other hand, anyone passing through needs to visit the Sun Valley Resort, the Craters of the Moon National Monument, the Sawtooth National Recreation Area, Lake Coeur d'Alene, and the Shoshone Falls.

THE BEST STATES

10. WEST VIRGINIA

West Virginia is on the number 10 spot of the best states to retire, and some of the main reasons why are the great hospitals, the affordable property taxes, and the equitable cost of living. The prices of healthcare and assisted living are well under the norm of the country, and coupled with low housing prices, it’s not surprising that many folks are considering this state instead of the others on the list. As the song says, “West Virginia, mountain momma, take me home, country roads.” Another great thing about the Mountain State is that it’s close to several more metropolitan East Coast states, and citizens can travel easily if they want a taste of the city. However, at home in West Virginia, they will enjoy a quiet life as its population is pretty small. That way, folks can delight in the parks and the sights without being overwhelmed by the crowds. West Virginia’s population is 1.8 million, and 17.8% of them are seniors of the age of 65.

Image credits: Senior Advice

Image credits: Senior Advice

The cost of living is wonderfully 17% below the United States average, and the normal income for a household of retirees is $40,109. Furthermore, healthcare expenses for a couple are also under the national level at $404,606. The only real problem is that it’s not the friendliest state in terms of taxes. Sadly, retirement income and Social security are taxed just like it’s stated in the federal form, although the first $8,000 are excused. Unfortunately, there is not much chance that the taxes might go lower because West Virginia is not doing so well fiscally. The report from the Mercatus Center at George Mason University revealed that the Mountain State is the ninth-worst fiscal situation in the country as of 2018. Furthermore, although there is access to medical, the United Health Foundation places West Virginia in the 45th spot regarding health. Even so, people still take the opportunity to enjoy the place due to the low cost of living and housing. On the other hand, you might be interested to know that there are great things to see in this state such as the Harpers Ferry National Historical Park, the New River Gorge National River, Seneca Rocks, and Monongahela National Forest, as well as many other scenic attractions that are actually perfect for seniors to get in touch with nature.

9. ARIZONA

Over the last decade, many people have started looking towards Arizona for their retirement. Just like Texas, there is great weather almost year-round as well as plenty of parks and golf courses for senior folks to enjoy. Therefore, it’s definitely a great option for everyone planning their golden years. In fact, around 30% of the Grand Canyon State’s population is comprised of people over the age of 55. Meanwhile, the cost of assisted living, nursing homes, and other healthcare options are all under the national average. There are also plenty of accessible resources for older people, which are pretty affordable. In terms of your finances, Arizona could be a great choice because of its low housing costs as well as low-income taxes. Additionally, there is no estate or inheritance tax. Several of the other popular retirement states share this idea in terms of taxes. Regarding more needs you need to know about Arizona, it has a population of 6.7 million, and those over the age of 65 comprise 15.9% of it.

Image credits: Senior Advice

Image credits: Senior Advice

The cost of living is 3% over the U.S., and the normal income for a retired household is $47,973, which is 10.8% under the average. The costs of healthcare for a couple in retirement is also below the country’s norm at $408,721, and as mentioned, there are some great aspects in terms of taxes, but also, some drawbacks. If you enjoy a dry climate with lots of sunshine and views of the desert, you will definitely find a great home in the Grand Canyon State. The income might not be much, and it’s not definitely not helped due to the 5.6% state sales tax, but there are still benefits to picking this place. Other great things about Arizona are the many places to visits. Of course, there is the Grand Canyon, but there are other national parks you cannot miss like the Saguaro National Park. The Town of Bisbee is pretty cool to see because it’s a historic place as well as an old town surrounded by red rocks.  

8. TEXAS

The Lone Star State is another place where seniors have the best access to some amazing healthcare in the country. They have some extremely prestigious hospitals and clinics all over the state, as well as many doctors that will accept Medicare from retired citizens. The cost living in lower than the national average, and there is no income tax. Furthermore, seniors can apply for tax exemptions in order to find proper housing, which does tend to be very high in the land of cowboys and ranchers. Meanwhile, another important factor for living in the southern land is the weather, which is pretty optimal most of the year. It might get pretty hot sometime, but it’s nothing that a good A/C can’t fix. Their winters are not unpleasant, and even then, people can go out to parks as well as the 800 golf courses located here. It has a population of 27 million, which makes sense due to its large size.

Image credits: Senior Advice

Image credits: Senior Advice

Around 11.5% of them are over the age of 65, and the cost of living is officially 10% below the United States average. The normal income for a retired household is $55,383, which is a bit over the regular level. Meanwhile, a couple of senior citizens might spend around $430,561 in healthcare costs, which is 1.7% over the norm. That’s not ideal, but sadly, it’s the price of overall healthcare in the country. They are also very tax-friendly. The downside is that not everyone can afford to live in this state, despite the high incomes and low taxes. 10.8% of seniors are considered poor in Texas, and that’s the sixth-highest percentage in the United States. Regardless, it seems that a lot of people are moving to the Lone Star State, and there are many wonderful things about this place. One of the great benefits is the diversity of food. There are barbecues, Mexican restaurants, and the best steaks in the country. Also, if you love football, then Texas is your ideal place because they seriously devoted fans.

7. FLORIDA

It might be a cliché, but there is a reason why Florida has always been considered the state where all the old folks retire. The Sunshine State gets its name for its amazing weather almost year-round, and that’s a huge factor when it comes to choosing your home for the rest of your life. Of course, there are some hurricanes and tornados every once in a while, but you can prepare for those. On the other hand, Florida is just fun, and there are many social activities for retirees. Seniors might make a lot of friends during their golden years, there are over 1,000 golf courses, parks, beaches, and anything anyone would hope for to relax. Meanwhile, Florida also offers practical things when it comes to retirement. They have a great healthcare system, low costs of living for senior citizens, and tax benefits designed for people over the age of 65. It has a population of 19.9 million citizens, with 19.1% of them considered retired folks.

Image credits: Senior Advice

Image credits: Senior Advice

The general cost of living is 1% over the United States average, which is great because the average earnings for a retired household are $51,187, which is a bit lower than the nation’s regular. Furthermore, the cost of healthcare for a couple is set around $425,025 for Florida, which is just a bit over the level of the country. Fortunately, this is considered one of the most tax-friendly states in America. Almost everyone planning their retirement ends up here, and it’s just because the seven seasons of ‘Golden Girls’ were basically a huge endorsement for the state. The tax deal is simply the best as there is no state income tax, estate tax, or inheritance tax. Additionally, they don’t tax Social Security earnings or retirement income, and the state is doing well in fiscal health according to the Mercatus Center at George Mason University. Furthermore, we probably don’t need to tell you about the amazing tourist attractions in Florida, including Disney World. There is also huge diversity as there are cowboys, Native Americans, and Latin communities.

6. MARYLAND

Maryland is famous for having a few of the best healthcare hospitals in the country such as Johns Hopkins, Mercy Medical center, and Sanai Hospital. Therefore, it’s not surprising that learn that this state has the best quality of senior healthcare, as well as accessibility for more people. The Old Line State is also a great place for many recreational activities due to its many parks, as well as its 200 golf courses. The downside is that the cost of living in Maryland is much higher than the other states on this list at 17% above the United States average, but there are a bunch of tax benefits for people over 65 that make up for it. Meanwhile, it has a population of 6 million citizens, and 13.8% are seniors over the age of 65. The average income for a retired household is $70,874, which is much higher than the country’s average. Additionally, a couple of seniors might spend around $436,074m which is over the regular level, but it’s probably due to its famous medical facilities.

Image credits: Senior Advice

Image credits: Senior Advice

Although there are some tax benefits, Maryland is technically not considered a tax-friendly state. Luckily, the household income is actually the second-highest in the country, which goes a long way to make the senior experience much better. Fortunately, Maryland, also known as the Free State, has no taxes for Social Security benefits, but transactions from individual retirement funds can fall under tax law. Additionally, there are even taxes after you die. Maryland is the only place in America with an estate and inheritance toll. Luckily, those only apply to higher-income families, and estates worth more than $4 million. However, don’t be discouraged by all those scary numbers because it is a great state to live in. It’s one of the original 13 colonies, and also where the ‘The Star-Spangled Banner’ was born. If you like medieval shows, you might be interested to know that jousting is the state sport, which is pretty hilarious. Also, when it comes to food, you best be prepared for the best crabs you will ever eat!

5. KANSAS

If you are looking to move to the Midwest, Kansas is another option on this list, especially because there is a significantly better quality of life in the state. The Sunflower State, which is also known as the Wheat State, has great access to hospital and Medicare doctors, and the cost of living is reasonable. Houses are affordable as well as food and healthcare. Meanwhile, the costs of at-home care, nursing homes, and assisted living are way below the national average. Furthermore, there are other benefits about living in Kansas that go beyond financials. Around a third of the residents are over 55 years old, and therefore, seniors will be happy with that sense of community. Anyone can find new friends even at an advanced age. You might be interested to know that Kansas has a population of 2.9 million citizens, and 14.3% are over the age of 65. Officially, the cost of living is considered to be 14% lower than the country’s average.

Image credits: Senior Advice

Image credits: Senior Advice

Meanwhile, a household of retirees is expected to have an average income of $49,392, and a couple might spend $412,773 in healthcare. Unfortunately, it seems that the state is raising its taxes to reduce the budget deficit, as it currently ranks 32 in fiscal health according to Mercatus Centers at the George Mason University. Income tax rates went from 3.1% to 5.7% in 2018, and that includes retirement earnings as well as Social Security benefits (you are excluded if your adjusted income is less than $75,000). However, The Sunflower State is still considered one of the least expensive places to live, and the environment has the power to persuade people that it’s the best place in the country. Other things to know about Kansas is that people really like to hunt, so the Second Amendment is really important to them. Almost everyone has a shotgun in their truck. It’s also one of the most patriotic states in America. Additionally, you might spot a bunch of buffalo, or North American Bison, all over as it’s the state animal for a reason.

4. OKLAHOMA

Oklahoma has reached a high place on this list because of the financial benefits for its senior citizens. The taxes are fairly low in this land, and the cost of living is almost the lowest in the United States. Furthermore, healthcare and senior housing are considerably affordably for most older folks, and the prices for home nurses, assisted the living, adult day, and in-home care are rather reasonable. Additionally, aside from the costs, the quality of their healthcare is pretty high, especially because it features some of the best hospitals and many doctors are associated with Medicare. The Sooner State might be a great option for your retirement needs. It has a population of 3.9 million people as of 2018, and 14.5% of them are over the age of 65.  The cost of living here is 16% below the country’s average, and each household makes $46,848, which might be below the national level, but it’s an affordable state still with a low cost of living. A retired couple could spend up to $420,195 in healthcare services. Sadly, it has some problems with taxes.

Image credits: Senior Advice

Image credits: Senior Advice

Luckily, Social Security benefits are exempted from taxes as the previous states on this list, and you might be able to deduct around $10,000 per person thanks to other retirement earnings.  Unfortunately, a few problems in the area include the fact that many senior folks don’t exercise a lot, and they tend to smoke too much. On a positive note, Oklahoma is considered one of the best states for army retirees, especially due to its closeness to the military. Of course, one of the main reasons why it gained that top was the economic status, which has done fairly well since the recession. It’s also a diversified state, and although it took some time to grow, around 45% of people under 19 are of color. One of the best features for seniors is also their many lakes, where citizens can admire the views and even fish. They are manmade lakes due to dams, but there is 200 in the Sooner State. Additionally, it has an amazing food scene, with some of the best BBQ in the United States.

3. NEBRASKA

You might have never even considered living in the Cornhusker State, but this information could change your mind. One of the most important aspects of planning your retirement is finances, and Nebraska has some of the best advantages for senior folks. It has a pretty stable economy, and the cost of living is considerably low compared to the rest of the states on this raking. Additionally, the prices for assisted living, home care, and adult daycare are way lower than the national average. In fact, older folks constitute around a third of the state’s population. Additionally, there is never a dull time in this land with many fun activities that will certainly bring peace to anyone for the rest of their lives.

Image credits: Senior Advice

Image credits: Senior Advice

Nebraska has a population of 1.9 million as of 2018, and 14.4% of them are over the age of 65. As mentioned, the cost of living is 12% below the national average, and a normal household has an income of $45,215. In terms of healthcare expenses, a retired couple might spend $418,079, which is less than the national average. Unfortunately, the state is one of the least tax-friendly places seniors as the majority of their revenue comes from retirees. Luckily, Social Security benefits are still exempted from the hefty taxes for joint filers. It seems like the state could afford to cut down on the heavy load because its fiscal health is the sixth in the United States, according to Mercatus Center at the George Mason University. According to Kathy Stokebrand, who lives just outside Lincoln, she and her husband enjoy the rural community where they have settled, but it’s close enough to the city catch games and other events. "What we like in living in Nebraska is that we have the best of what we enjoy, and in the wintertime, we have means to get away from the cold weather," Stokebrand said. "People here of lower incomes don't have the same advantages that people with higher income do."

2. HAWAII

Some people might not be comfortable spending their final years on a highly-touristic island, but you might want to reconsider after reading this. Living in Hawaii is more than just tanning and beaches. There are many things on this island that will be great for senior people. Aside from the recreational activities and other relaxing things everyone can enjoy, older folks will love the weather, as well as the fact that you can live pretty well on a budget. There are low property and sales taxes, which will help many households, but there is a downside. This state has some of the highest income taxes in the nation. Luckily, it also has tax exemptions in social security income, which is a huge load off for older people. Furthermore, their healthcare and resources for seniors are some of the best in the United States, and that’s the reason why many people have started it to see this island as a great spot for retirement.

Image credits: Senior Advice

Image credits: Senior Advice

Meanwhile, there might be many tourists around, but its real population is 1.4 million as of 2018, and 14.5% of them are people over the age of 65, which means that many of them are finally seeing the many benefits of island-living. Unfortunately, the cost of living is 87% over the national average. The normal income for a retired household is $71,997, which is 33.8% of the national average. On a positive note, it’s also considered a tax-friendly state for seniors, which is why it ranks very high on this list. Living in paradise might be a bit too expensive for several people, but it does work when you are retired due to all the tax cuts. Their healthcare costs are somewhere around $375,273, which is 11.4% below the national level. In fact, their efficient healthcare system is considered one of the best in the nation by Bloomberg. Furthermore, there is a sense of community for the folks living in the area, and that can only be better for seniors. They can get a lot of physical activity and medical care is just around the corner. Meanwhile, there are plenty of things that might also attract other people who afford to live here. Hawaii has spectacular views of nature, great seafood like poke, hula dancing, and it’s one of the most diverse states in the country.

1. VIRGINIA

Virginia is currently the best state in the United States for seniors, as there is a higher quality of life and more friendliness all around. It received the top marks from the algorithm Senior Score, and one of the most important reasons why it’s best for older folks is the superiority of their healthcare. Virginia has some of the best hospitals in the country, and there are many physicians associated with Medicare, which helps many people afford visits to the doctor. Additionally, it’s also great when it comes to senior living and home healthcare options. We always want to settle down in a place where know that we will be watched out for even if the rest of our family is far away. Virginia is known is the Old Dominion State, and it has a solid economy as well as low taxes. Therefore, seniors might actually be able to live happily with their retirement funds. Some people might not enjoy the cold winters, but it has great weather most of the year, which is perfect for older people who like to go outside and enjoy nature.

Image credits: Senior Advice

Image credits: Senior Advice

On another note, Virginia has a population of 8.3 million as of 2018, and around 14.5% of those are seniors. It might have low taxes but the cost of living is 7% above the average in the nation. However, it’s still pretty solid for a retired person. The average income for a household with people over the age of 65 is $59,869, which is 11.3% above the national average of $53,799. Meanwhile, a retired couple might spend around $408,950 or less in healthcare in Virginia, which is 3.4% less than the national average of $423,523. As mentioned, it’s considered a tax-friendly state, especially due to the higher income household. Furthermore, this state does not have a Social Security benefits tax, and people over 65 might be able to deduct around $12,000 in income for each person in their home. Some numbers may vary depending on the income. Anyone considering Virginia for their future also has to know some of its best features like the fact that it has several wineries, their beaches are some of the best in the nation, and it’s a wonderful place to learn about U.S. history. Furthermore, peanuts lovers will die to live here!

It's hard to know where to live because we might have spent our lives in one place due to a job, but we have to understand where we might enjoy our retirement. Let us know which state you would pick thanks to this list. If you liked this article, share it with your friends who need some serious advice. See you next time!

Source: Senior Advice

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