Retirement Retired Life

10 States to Cross Off Your Retirement List, According to New Data

Seniors should think about steering clear of these destinations.

By Chris Lewis, CEPF , Edited by Laura Hohenstein

Updated Jan. 15, 2026

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Everyone wants the best for their retirement, but not all destinations are created equal. Seniors living on fixed incomes need to consider several different factors when choosing where to retire.

WalletHub recently ranked all 50 states in terms of their viability for retirement, and below is the list of the 10 states that retirees might want to rethink, even if you find ways to supplement your Social Security when you retire.

States were ranked based on their affordability, quality of life, and quality of health care. Total scores were given out of 100, with more weight given to things like cost of living and housing.

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New Mexico

New Mexico ranks among the least retirement-friendly states, with an overall score of 46.18. While its 30th-place affordability ranking reflects a relatively low cost of living, higher crime rates and taxes on some retirement income are drawbacks.

The state's 44th ranking in quality of life points to concerns about safety and infrastructure, while its 36th-place health care ranking suggests limited access to top-tier medical services. Though New Mexico offers a warm climate and scenic beauty, these factors may make it less appealing for retirees seeking financial security and strong community resources.

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Rhode Island

Rhode Island is beautiful, but it is one of the more expensive states on the list, pushing health care and housing costs higher than many other states, keeping its ranking low at 45.98 for optimal retirement.

Rhode Island is also prone to natural disasters like flooding and hurricanes, which makes it difficult for retirees who might not be mobile or need medical assistance.

Washington

Washington ranked low on the list with a total score of 45.63. A state that's often admired for its scenic beauty and economic opportunities, unfortunately, encounters scrutiny in the context of retirement.

While Washington offers diverse attractions, its affordability ranking (46) indicates potential financial challenges for retirees.

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Arkansas

Arkansas, with a total score of 45.34, finds itself among the states less favorable for retirement. Affordability remains a concern, ranking in 11th place, highlighting potential strains on retirees' budgets.

The state ranks low for quality of life and health care, and also has limited economic opportunities for retirees who are looking to work part-time to make extra money in retirement.

New York

Known for its vibrant culture and bustling cities, New York paints a different picture when it comes to retirement.

It's ranked the worst state for the affordability category, with an overall score of 45.34. High living costs, coupled with tax burdens, contribute to the financial strain experienced by retirees in the Empire State.

Hawaii

Hawaii ranked 46th in WalletHub's best states for retirement study, with an overall score of 45.27. While it scored 11th in health care, thanks to high-quality medical services, it ranked 49th in affordability, second worst only to New York.

The high cost of living, expensive housing, and steep taxes make it difficult for retirees on fixed incomes. Its 21st ranking in quality of life suggests factors like transportation and community engagement may also be drawbacks. While Hawaii offers a stunning environment, its high costs make it a challenging choice for retirees looking to stretch their savings.

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West Virginia

West Virginia offers retirees affordability (ranked 18th place), but its low quality of life (41st) and the worst health care ranking (50th) make it a challenging choice. While housing and living costs are low, limited health care access and poor health outcomes are major concerns.

Its overall score of 45.24 reflects these trade-offs, as retirees may struggle with medical care and infrastructure despite financial advantages. Those considering West Virginia for retirement should weigh the cost savings against potential challenges in health care and quality of life.

Mississippi

Mississippi, with a total score of 44.60, ranks third-worst, or 48th, on the list of states best to live in, signaling potential challenges for retirees.

Affordability concerns (9) and health care considerations (49) should factor into retirement decisions. The state tends to score low in emergency room wait time, life expectancy, and quality of health care.

Oklahoma

Louisiana's overall score of 42.59 positions it as the second-worst state to retire, raising concerns about affordability (31) and quality of life (48). Retirees may face challenges in maintaining a comfortable lifestyle.

The cost of homeowners insurance is higher here than the national average, and the state also has high sales taxes. This, in addition to limited health care options in some areas of the state, makes it a difficult destination to retire.

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Kentucky

Taking the #1 spot among the least favorable for retirement, Kentucky emerges with challenges for those seeking an ideal post-work haven.

Factors contributing to this ranking include a blend of relatively higher living costs, tax burdens, and a less favorable health care landscape.

Kentucky's score, landing at 41.83, reflects the strain it imposes on retirees' affordability (34) and health care rank (47). While individual preferences vary, Kentucky's overall score underscores the need for careful consideration when contemplating retirement in the Bluegrass State.

Bottom Line

Choosing the right state for retirement is crucial for securing financial well-being and overall quality of life. While some states offer a favorable mix of affordability, quality of life, and health care, others present challenges that may impact retirees' satisfaction and financial stability.

It is essential for retirees to carefully consider their priorities and preferences, weighing factors such as cost of living, health care accessibility, and overall lifestyle when making decisions about where to spend their retirement years.

Making the right retirement plan now can ensure a more comfortable and fulfilling retirement experience.

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