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The best and worst US states to retire in, ranked

The best and worst US states to retire in, ranked

James LaForge,Roya Shahidi Business 31 Aug, 2026 Americas

WalletHub ranked every US state on affordability, quality of life, and healthcare to determine the best — and worst — places for retirement.

Aerial view of a waterfront shopping and dining district with boardwalks, docks, palm trees, and parked cars.
The Villages, Florida.

felixmizioznikov/Getty Images

  • WalletHub ranked the best US states for retirees in 2026.
  • Its report compared affordability, quality of life, and healthcare across states.
  • Wyoming and Florida topped the list, while Kentucky ranked last.

Retirement is full of decisions, and the state you choose to retire in could be the most important one.

A recent WalletHub study pitted the 50 states against one another across three main categories — affordability, quality of life, and healthcare — to determine the best places for retirement.

The three factors were assessed using 46 different metrics. To determine a state's affordability, metrics such as adjusted cost of living and retired taxpayer-friendliness were considered. Quality of life included metrics such as the risk of social isolation, the mildness of the weather, and even the number of bingo halls per capita, while the healthcare category considered metrics such as nurses, dentists, and health aides per capita, life expectancy, and more.

"Retirement is supposed to be relaxing, but it can also be incredibly stressful given that it typically puts people on a fixed income, which may not be enough for them to live comfortably," WalletHub analyst Chip Lupo said in the study. "As a result, the best states for retirees are those that have low taxes and a low cost of living to help retirees' budgets stretch as far as possible."

WalletHub used data from the US Census Bureau, the Federal Bureau of Investigation, the US Bureau of Labor Statistics, the Centers for Disease Control and Prevention, and other sources.

These are the states to retire in, ranked from worst to best.

50. Kentucky
Louisville, Kentucky.
Louisville, Kentucky.

alexeys/Getty Images

Affordability rank: 34
Quality-of-life rank: 42
Healthcare rank: 47

With low rankings across all three categories, WalletHub found Kentucky to be the worst state for retirees in 2026.

49. Oklahoma
Oklahoma City, Oklahoma.
Oklahoma City, Oklahoma.

Sean Pavone/Getty Images

Affordability rank: 31
Quality-of-life rank: 48
Healthcare rank: 43

48. Mississippi
Jackson, Mississippi.
Jackson, Mississippi.

Dennis MacDonald/Getty Images

Affordability rank: 9
Quality-of-life rank: 49
Healthcare rank: 49

47. West Virginia
Aerial view of Shepherdstown with a small town church steeple surrounded by autumn trees, houses, streets, and parked cars.
Shepherdstown, West Virginia.

Samuel Frontino/Getty Images

Affordability rank: 18
Quality-of-life rank: 41
Healthcare rank: 50

46. Hawaii
Palm trees frame a waterfront lagoon, marina, and high-rise skyline under colorful sunset clouds in Honolulu.
Honolulu, Hawaii.

Iryna Olkhova/Getty Images

Affordability rank: 49
Quality-of-life rank: 21
Healthcare rank: 11

45. New York
Crowds relax on Bryant Park lawn beside the New York Public Library and Midtown Manhattan skyscrapers on a sunny day.
New York City, New York.

Brian Logan/Getty Images

Affordability rank: 50
Quality-of-life rank: 12
Healthcare rank: 12

44. Arkansas
Sunset lights a forested hillside town with illuminated buildings, streets, and a tall brick smokestack.
Hot Springs, Arkansas.

Sean Pavone/Getty Images/iStockphoto

Affordability rank: 11
Quality-of-life rank: 50
Healthcare rank: 45

43. Washington
Seattle, Washington.
Seattle, Washington.

SCStock/Getty Images

Affordability rank: 46
Quality-of-life rank: 17
Healthcare rank: 17

42. Rhode Island
Downtown Providence skyline at sunset reflects in a calm river lined with trees, walkways, bridges, and modern buildings.
Providence, Rhode Island.

Sanghwan Kim/Getty Images

Affordability rank: 40
Quality-of-life rank: 39
Healthcare rank: 21

41. New Mexico
Santa Fe, New Mexico.
Santa Fe, New Mexico.

Sean Pavone/Getty Images

Affordability rank: 30
Quality-of-life rank: 44
Healthcare rank: 36

40. Oregon
Downtown Portland skyline rises beside the Willamette River with bridges, waterfront trees, and a ferris wheel.
Portland, Oregon.

Nicholas Klein/Getty Images

Affordability rank: 43
Quality-of-life rank: 27
Healthcare rank: 24

39. Louisiana
Aerial view of the Louisiana State Capitol, downtown Baton Rouge, and the Mississippi River on a clear day.
Baton Rouge, Louisiana.

felixmizioznikov/Getty Images/iStockphoto

Affordability rank: 12
Quality-of-life rank: 46
Healthcare rank: 46

38. Illinois
Aerial view of a downtown riverfront with bridges, high-rise buildings, trees, and cloud reflections on the water.
Rockford, Illinois.

GummyBone/Getty Images

Affordability rank: 42
Quality-of-life rank: 14
Healthcare rank: 30

37. Alabama
Downtown Mobile skyline rises beside the Mobile River with highways, greenery, and blue sky in the foreground.
Mobile, Alabama.

Cavan Images/Getty Images/iStockphoto

Affordability rank: 8
Quality-of-life rank: 43
Healthcare rank: 48

36. Maryland
Small town streets and church steeples sit among colorful autumn hills under a blue sky.
Cumberland, Maryland

PBallay/Getty Images

Affordability rank: 41
Quality-of-life rank: 20
Healthcare rank: 22

35. New Jersey
Newark, New Jersey.
Newark, New Jersey.

Leonid Andronov/Getty Images

Affordability rank: 45
Quality-of-life rank: 30
Healthcare rank: 9

34. Connecticut
New Haven, Connecticut.
New Haven, Connecticut.

Ashley RK Smith/Getty Images

Affordability rank: 44
Quality-of-life rank: 23
Healthcare rank: 6

33. Texas
Downtown Austin skyline rises beyond trees and Barton Springs Pool at dusk.
Austin, Texas.

BackyardProduction/Getty Images

Affordability rank: 25
Quality-of-life rank: 38
Healthcare rank: 39

32. Tennessee
Tennessee State Capitol stands amid downtown Nashville skyscrapers at golden hour.
Nashville, Tennessee.

Sean Pavone/Getty Images

Affordability rank: 4
Quality-of-life rank: 47
Healthcare rank: 44

31. Nebraska
Aerial view of the Nebraska State Capitol surrounded by downtown Lincoln streets, buildings, lawns, and autumn trees.
Lincoln, Nebraska.

Jacob Boomsma/Getty Images

Affordability rank: 38
Quality-of-life rank: 28
Healthcare rank: 19

30. Vermont
Autumn foliage surrounds a small town with multiple church steeples under a bright blue sky.
Montpelier, Vermont.

jenifoto/Getty Images

Affordability rank: 47
Quality-of-life rank: 3
Healthcare rank: 10

29. Georgia
Downtown Atlanta skyline at sunset with illuminated high-rises, streets, parks, and the SkyView Atlanta Ferris wheel.
Atlanta, Georgia.

Sean Pavone/Getty Images

Affordability rank: 16
Quality-of-life rank: 40
Healthcare rank: 40

28. Nevada
Reno, Nevada.
Reno, Nevada.

miroslav_1/Getty Images/iStockphoto

Affordability rank: 5
Quality-of-life rank: 45
Healthcare rank: 42

27. Utah
Salt Lake City skyline with the Utah State Capitol dome and mountains at sunset.
Salt Lake City, Utah.

Sean Pavone/Getty Images

Affordability rank: 35
Quality-of-life rank: 18
Healthcare rank: 31

26. Kansas
Aerial view of the Kansas State Capitol surrounded by downtown Topeka buildings and green tree-lined grounds.
Topeka, Kansas.

ChrisBoswell/Getty Images

Affordability rank: 29
Quality-of-life rank: 31
Healthcare rank: 35

25. California
Palm-lined coastal road runs beside a beach and ocean with hills and a pier in the distance.
Santa Barbara, California.

Veronica Slavin/Getty Images

Affordability rank: 39
Quality-of-life rank: 22
Healthcare rank: 8

24. Montana
Pedestrians walk along a sunny downtown sidewalk past hanging flower baskets and an ELLEN theater sign.
Bozeman, Montana.

GummyBone/Getty Images

Affordability rank: 36
Quality-of-life rank: 10
Healthcare rank: 23

23. Massachusetts
Aerial view of a downtown district with a domed civic building, park, streets, and autumn trees.
Waltham, Massachusetts.

Bo Shen/Getty Images

Affordability rank: 48
Quality-of-life rank: 2
Healthcare rank: 2

22. Indiana
Aerial view of a riverfront town with steel arch bridges spanning a wide river at sunset.
New Albany, Indiana.

AUSTIN MEURER/Getty Images

Affordability rank: 14
Quality-of-life rank: 35
Healthcare rank: 41

21. Michigan
Boats dock along a riverfront marina beside colorful brick buildings under a cloudy sky.
Manistee, Michigan.

otman lazrak/Getty Images

Affordability rank: 32
Quality-of-life rank: 16
Healthcare rank: 29

20. Ohio
Downtown Akron skyline with church twin spires, office buildings, trees, and a blue sky filled with clouds.
Akron, Ohio.

Sean Pavone/Getty Images/iStockphoto

Affordability rank: 22
Quality-of-life rank: 13
Healthcare rank: 38

19. Maine
Aerial view of a coastal harbor town surrounded by dense autumn foliage and a marina filled with boats.
Camden, Maine.

AlbertPego/Getty Images

Affordability rank: 37
Quality-of-life rank: 4
Healthcare rank: 14

18. Arizona
Downtown Phoenix skyline sits below desert mountains under a pastel sunset sky.
Phoenix, Arizona.

Sean Pavone/Getty Images

Affordability rank: 27
Quality-of-life rank: 32
Healthcare rank: 16

17. South Carolina
Palm-lined historic street with colorful buildings and a white church steeple under a blue sky.
Charleston, South Carolina.

Susanne Neumann/Getty Images/iStockphoto

Affordability rank: 6
Quality-of-life rank: 37
Healthcare rank: 34

16. Idaho
Historic downtown street with American flags, parked cars, and storefronts below a forested mountain.
Wallace, Idaho.

Kirk Fisher/Getty Images

Affordability rank: 21
Quality-of-life rank: 24
Healthcare rank: 26

15. Missouri
Aerial view of a riverside downtown with a domed courthouse, streets, trees, and a broad river under blue sky.
St Charles, Missouri.

Perry Spring/Getty Images

Affordability rank: 10
Quality-of-life rank: 29
Healthcare rank: 32

14. North Dakota
Aerial view of a downtown district with office buildings, streets, parking lots, and a partly cloudy sky.
Bismarck, North Dakota.

Jacob Boomsma/Getty Images/iStockphoto

Affordability rank: 28
Quality-of-life rank: 33
Healthcare rank: 7

13. North Carolina
Uptown Charlotte skyline rises beyond green trees, parkland and a curving roadway under a partly cloudy sky.
Charlotte, North Carolina.

Leonid Andronov/Getty Images

Affordability rank: 7
Quality-of-life rank: 26
Healthcare rank: 37

12. Virginia
Aerial view of Williamsburg, Virginia, with academic buildings and an athletic field at sunset.
Williamsburg, Virginia.

Sean Pavone/Getty Images

Affordability rank: 20
Quality-of-life rank: 15
Healthcare rank: 25

11. Wisconsin
Aerial view of downtown Milwaukee skyline with surrounding neighborhoods, Lake Michigan, and the Milwaukee River at sunset.
Milwaukee, Wisconsin

Jon Mattrisch/Getty Images

Affordability rank: 24
Quality-of-life rank: 9
Healthcare rank: 18

10. Iowa
The downtown Cedar Rapids skyline glows at dusk along the Cedar River, with bridges, roads, and an amphitheater.
Cedar Rapids, Iowa.

Sean Pavone/Getty Images

Affordability rank: 17
Quality-of-life rank: 11
Healthcare rank: 28

9. New Hampshire
River rapids flow past brick mill buildings and downtown towers under a partly cloudy sky in Manchester, New Hampshire.
Manchester, New Hampshire.

miroslav_1/Getty Images

Affordability rank: 23
Quality-of-life rank: 8
Healthcare rank: 20

8. Pennsylvania
Pittsburgh skyline and a yellow suspension bridge reflect in a river at sunset.
Pittsburgh, Pennsylvania.

Sean Pavone/Getty Images

Affordability rank: 26
Quality-of-life rank: 5
Healthcare rank: 13

7. Delaware
Aerial view of a tree-lined suburban neighborhood in Wilmington, Delaware, beside a golf course with a distant city skyline.
Wilmington, Delaware

Bo Shen/Getty Images

Affordability rank: 3
Quality-of-life rank: 36
Healthcare rank: 15

6. Alaska
Snowy downtown Anchorage street beneath the Anchorage Mushing District arch, with cars, traffic lights, and mountains beyond.
Anchorage, Alaska.

Serhii Horban/Getty Images

Affordability rank: 13
Quality-of-life rank: 34
Healthcare rank: 5

5. Minnesota
Downtown Minneapolis skyline rises behind the Mississippi River and an arched bridge at colorful sunset.
Minneapolis, Minnesota.

Sean Pavone/Getty Images

Affordability rank: 33
Quality-of-life rank: 7
Healthcare rank: 1

4. Colorado
Denver skyline rises beyond a green golf course with trees and distant mountains under a clear blue sky.
Denver, Colorado.

RudyBalasko/Getty Images

Affordability rank: 19
Quality-of-life rank: 19
Healthcare rank: 3

3. South Dakota
Downtown Rapid City buildings and homes sit beneath green Black Hills under a partly cloudy sky.
Rapid City, South Dakota.

otman lazrak/Getty Images

Affordability rank: 15
Quality-of-life rank: 25
Healthcare rank: 4

2. Florida
Aerial view of a palm-lined town center with shops, parking areas, homes, and a lake at sunset.
The Villages, Florida.

felixmizioznikov/Getty Images

Affordability rank: 2
Quality-of-life rank: 1

Healthcare rank: 27

1. Wyoming
Aerial view of a snowy downtown area in Casper, Wyoming, with mountains in the distance under a colorful sunset sky.
Casper, Wyoming.

Jacob Boomsma/Getty Images

Affordability rank: 1
Quality-of-life rank: 6
Healthcare rank: 33

Wyoming barely edged out Florida for the overall No. 1 spot on WalletHub's ranking.

WalletHub also reported the state had the 10th strongest elder-abuse protections and the fifth-lowest violent crime rate in the US. It also has the nation's seventh-lowest poverty rate among residents ages 65 and up.

Read the original article on Business Insider

James LaForge,Roya Shahidi

Source: Business Insider

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