Best State to Retire in: Where to Go for Lower Costs, Taxes, and Quality Life

When you’re planning your retirement, the best state to retire in, a location that balances low living costs, favorable taxes, and access to healthcare for older adults. Also known as a retirement-friendly state, it’s not just about sunshine or golf courses—it’s about whether your savings last, your health needs are met, and your daily life stays affordable. Many people assume Florida or Arizona are the top picks, but the real answer depends on your income, health, and what you value most—whether that’s no income tax, low property taxes, or affordable prescription drugs.

The retirement taxes, how much you pay in state income, property, and sales taxes after you stop working. Also known as tax burden for seniors, it can eat up thousands every year if you pick the wrong place. States like Florida, Texas, and Nevada have no state income tax, which helps if you’re drawing from a 401(k) or IRA. But in places like California or New York, even though you might love the climate or culture, your pension could get hit hard by high property taxes and income taxes on Social Security. Then there’s the cost of living retirement, the total price of housing, groceries, utilities, and healthcare after age 65. Also known as retirement affordability, it’s what makes some states feel luxurious and others feel like a financial trap. A home that costs $300,000 in Pennsylvania might cost $600,000 in Oregon. Meanwhile, prescription drugs in Ohio might be half the price of those in Illinois. And don’t forget Medicare supplement costs—they vary by state too.

Healthcare access is another big piece. Some states have more geriatric specialists, lower hospital costs, and better Medicaid expansion for low-income retirees. Others make you drive hours for basic care. If you have chronic conditions or need regular therapy, this isn’t a small detail—it’s a dealbreaker.

What you’ll find in the articles below are real, practical breakdowns of what actually works for retirees—not marketing hype. You’ll see how equity release affects your retirement cash flow, why budgeting mistakes can sink your savings, how ISAs fit into U.S. retirement planning, and why the cost of home insurance or car loans can surprise you after you stop working. These aren’t theoretical ideas. They’re lessons from people who’ve been there.