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Retired Americans on Social Security will be sipping on a rather bitter COLA — as in cost-of-living adjustment. Seniors will receive a raise in 2020 of just 1.6%, down from the 2.8% increase they got for 2019.

The Social Security Administration has announced that the average monthly benefit will rise from $1,479 in 2019 to $1,503 next year. Or, from $17,748 annually to $18,036.

But the amounts vary by state.

Here's how all 50 states and the District of Columbia rank for Social Security benefits, going from the smallest average payments to the largest. The list is based on recently released numbers of retired workers on Social Security in each state and the total benefits they received in 2018.

51. Louisiana

Happy Senior Adult Couple Enjoying an Evening in New Orleans, Louisiana
Andy Dean Photography / Shutterstock

Average annual benefit: $16,350

According to the Social Security Administration's most current information, 540,818 Louisiana retirees collected benefits in 2018 averaging $1,362.52 per month.

That works out to $16,350.25 a year. It's not too far above what the federal government considers a poverty income for a single person: $12,490 per year.

50. Mississippi

An African-American man smoking a cigar, Vicksburg, MS
Joseph Sohm / Shutterstock

Average annual benefit: $16,431

In Mississippi, 416,530 retirees received benefits in 2018 that averaged $1,369.26 per month. Multiply by 12, and you get an average annual income of $16,431.15.

About 1 in 5 elderly married couples on Social Security and nearly half of unmarried seniors rely on their benefits for at least 90% of their income, the Social Security Administration says.

49. Maine

Group of happy senior friends cheering at barbecue meal in terrace outdoor, Maine
DisobeyArt / Shutterstock

Average annual benefit: $16,453

Social Security says 234,929 retired workers in Maine were collecting benefits in 2018 that averaged $1,371.12 a month — or $16,453.40 per year.

Around 90% of Americans 65 or older receive Social Security benefits. Some choose to wait until they turn 70, the age at which you receive your maximum possible benefit.

48. New Mexico

Historic route 66 route marker sign in New Mexico
Andrey Bayda / Shutterstock

Average annual benefit: $16,538

In New Mexico, 297,313 retirees collected benefits in 2018 that averaged $1,378.17 per month, or $16,538.05 a year.

New Mexico is one of 13 states that tax Social Security benefits, according to AARP.

47. Montana

happy spain senior couple hiking in the nature
perdar / Shutterstock

Average annual benefit: $16,640

Officials say 171,787 Montana retirees were receiving Social Security payments in 2018 that averaged $1,386.69 per month or $16,640.33 a year.

Montana also is among the 13 states that tax Social Security benefits, says AARP.

46. Arkansas

Three fishermen stand on a wooden dock over a lake.  They are bream fishing.  Photo shows only their legs and shoes.
Bonita R. Cheshier / Shutterstock

Average annual benefit: $16,642

In Arkansas, 439,558 retirees were collecting benefits in 2018 that averaged $1,386.84 a month or $16,642.09 per year.

The benefits program got its start in 1935, when President Franklin Roosevelt signed the Social Security Act into law.

45. Kentucky

MEN AT HORSE TRACK WAITING FOR RACE TO START
Darcy Jardine / Shutterstock

Average annual benefit: $16,720

In Kentucky, 599,606 retirees were taking benefits in 2018 that averaged $1,393.31 per month — or $16,719.70 per year.

On January 31, 1940, the first monthly Social Security check was issued to Ida May Fuller, a retired legal secretary in Ludlow, Vermont. She received $22.54, which is equivalent to $413.77 in today's dollars.

44. South Dakota

Mount Rushmore National Park in the Black Hills South Dakota during a warm sunrise with clear blue sky morning. High Dynamic Range. / Mount Rushmore National Park
JJM Photography / Shutterstock

Average annual benefit: $16,754

The Social Security Administration says 133,040 retired workers in South Dakota were collecting benefits in 2018 that averaged $1,396.20 per month, or $16,754.36 a year.

During her lifetime, Ida May Fuller — the first Social Security recipient — collected benefits totaling about $22,889.

43. Alaska

Portrait of senior man wearing blue cap with Hubbard glacier in background.
B. Franklin / Shutterstock

Average annual benefit: $16,808

Officials say 72,029 Alaska retirees were collecting benefits in 2018 that averaged $1,400.70 per month, or $16,808.40 a year.

Like every other resident of Alaska, a retiree also receives an annual payment from the state's oil wealth fund. The amount in 2019 is $1,606.

42. North Dakota

A senior couple riding horses in nature.
Halfpoint / Shutterstock

Average annual benefit: $16,849

In North Dakota, 96,657 retirees were collecting benefits in 2018 that averaged $1,404.05 per month, or $16,848.57 a year.

North Dakota is another of the 13 states that collect taxes on Social Security benefits, AARP says.

41. District of Columbia

family, age, tourism, travel and people concept - happy senior couple with map over washington white house background
Syda Productions / Shutterstock

Average annual benefit: $16,959

In the District of Columbia, 57,338 retirees were collecting benefits in 2018 that averaged $1,413.25 per month or $16,959.01 a year.

A person can claim Social Security as early as age 62, but if you don't wait your monthly payment will be permanently reduced by up to 30%.

40. Oklahoma

old elderly mature farmer with a smile on his face hugs a bunch of pumpkins, harvesting concept
Bonsales / Shutterstock

Average annual benefit: $17,098

In Oklahoma, 522,769 retirees were collecting benefits in 2018 that averaged $1,424.85 per month.

The math on that works out to an average $17,098.17 a year. Paltry Social Security benefits are a reason working Americans need to save more — such as through 401(k) plans offered by employers.

39. Nevada

mature couple sightseeing in downtown las vegas streets
Joshua Resnick / Shutterstock

Average annual benefit: $17,153

In Nevada, 396,557 retirees were collecting benefits in 2018 that averaged $1,429.46 per month or $17,153.48 a year.

Social Security typically represents about a third of an older American's income, officials with the program say.

38. Idaho

Healthy Active Senior Photographer Hiking Outdoors. Copy space.
Denise Lett / Shutterstock

Average annual benefit: $17,158

In Idaho 247,610 retirees were collecting benefits in 2018 that averaged $1,429.82 per month.

Multiply by 12 and you get an average annual income of $17,157.85. Some seniors are lucky enough to have employer-based pensions that provide additional retirement income, though those have become rare.

37. Texas

Handsome middle age man outdoor nature portrait in the Texas Hill Country.
Fotoluminate LLC / Shutterstock

Average annual benefit: $17,178

In Texas, 2,832,567 retirees were collecting benefits in 2018 that averaged $1,431.47 per month,

That makes for an income of $17,177.59 a year. Money from an IRA, or individual retirement account, can help you make ends meet in retirement — but you need to start saving as early as you can.

36. California

Cheerful African American mature couple with arms around at the beach
sirtravelalot / Shutterstock

Average annual benefit: $17,190

In America's most populous state, 4,310,091 retirees were collecting benefits in 2018 that averaged $1,432.46 per month or $17,189.56 a year.

The number of older people on Social Security in California is greater than the entire populations of almost half the states.

35. Alabama

A senior man enjoying the view on the Alabama gulf coast.
Darryl Vest / Shutterstock

Average annual benefit: $17,222

In Alabama, 709,443 retirees were collecting benefits in 2018 that averaged $1,435.18 per month or $17,222.17 a year.

Half of elderly retired couples and 70% of single retirees derive 50% or more of their income from Social Security, officials with the program say.

34. Georgia

SAVANNAH, GEORGIA OCTOBER 8: Unidentified retired African American couple enjoying the afternoon at one of the popular city squares in historical Savannah on October 8, 2013.
Fotoluminate LLC / Shutterstock

Average annual benefit: $17,241

In Georgia, 1,242,203 retirees were collecting benefits in 2018 that averaged $1,436.74 per month.

The math on that works out to an average annual income of $17,240.90.

33. West Virginia

Climber on top of Seneca Rocks
Steve Heap / Shutterstock

Average annual benefit: $17,243

In West Virginia, 285,909 retirees were collecting benefits in 2018 that averaged $1,436.95 per month, or $17,243.44 a year.

West Virginia is among the 13 states that collect taxes on Social Security benefits, AARP says.

32. Ohio

Two older hunters rest, sitting on a log
Sever180 / Shutterstock

Average annual benefit: $17,266

In Ohio, 1,581,420 retirees were collecting benefits in 2018 that averaged $1,438.86 per month — or $17,266.31 a year.

During June 2019, some 44.5 retired workers across the U.S. were receiving Social Security payments, officials say.

31. Missouri

Cheerful senior couple sharing funnel cake with powdered sugar at autumn country fair in Missouri, USA
LanaG / Shutterstock

Average annual benefit: $17,267

In Missouri, 873,524 retirees were collecting benefits in 2018 that averaged $1,438.96 per month, or $17,267.46 a year.

Missouri also is among the 13 states that tax the Social Security benefits of at least some retirees, according to AARP.

30. Tennessee

Smiling senior man standing next to Appalachian Trail sign
LanaG / Shutterstock

Average annual benefit: $17,401

In Tennessee, 964,035 retirees were collecting benefits in 2018 that averaged $1,450.11 per month.

Multiply by 12 and you get an annual amount of $17,401.37. Investment income, maybe through an automated investing service, can help retirees stretch their money.

29. Hawaii

Forgetful older mother with cup near couple
CREATISTA / Shutterstock

Average annual benefit: $17,420

In Hawaii — one of the best states for retirement — 211,813 retirees were collecting benefits in 2018 that averaged $1,451.67 per month.

That works out to an average $17,420.01 a year.

28. Florida

Senior Couple on a bike ride
Brocreative / Shutterstock

Average annual benefit: $17,420

In Florida — often considered America's retirement capital — 3,389,540 retirees were collecting benefits in 2018 that averaged $1,451.70 per month.

That's equal to $17,420.43 a year.

27. North Carolina

Senior man sitting on rock with German Shepherd dog in a field off the Appalachian Trail on Roan Mountain border of North Carolina and Tennessee.
Cvandyke / Shutterstock

Average annual benefit: $17,550

In North Carolina, 1,476,848 retirees were collecting benefits in 2018 that averaged $1,462.49 per month, or $17,549.91 a year.

Americans are living longer and must rely on Social Security for longer periods. In 1940, a 65-year-old was expected to live almost 14 years, the Social Security Administration says. Today, that life expectancy is more than 20 years.

26. Oregon

Rear view of happy senior African-American couple standing next to each other while looking at the sea and mountains on beach on beautiful cloudy day.
wavebreakmedia / Shutterstock

Average annual benefit: $17,576

In Oregon, 640,652 retirees were collecting benefits in 2018 that averaged $1,464.65 per month.

That works out to $17,575.78 per year.

25. Iowa

Farmer standing by tractor outside the barn
goodluz / Shutterstock

Average annual benefit: $17,614

In Iowa, 470,664 retirees were collecting Social Security benefits in 2018 that averaged $1,467.82 per month.

Multiply by 12 and you get an average annual benefit of $17,613.79.

24. Nebraska

senior man is running on a long trestle over Long Pine Creek -  recreational Cowboy Trail in northern Nebraska
marekuliasz / Shutterstock

Average annual benefit: $17,620

In Nebraska, 250,014 retirees were collecting benefits in 2018 that averaged $1,468.36 per month or $17,620.34 a year.

Nebraska is another of the 13 states that tax the Social Security benefits of at least some retirees, AARP says.

23. Colorado

Smiling skier on ski slope in Colorado leaning on her poles with mountains in background. Horizontal shot.
iofoto / Shutterstock

Average annual benefit: $17,657

In Colorado 639,282 retirees were collecting benefits in 2018 that averaged $1,471.42 per month or $17,657.03 a year.

Colorado is yet another of the 13 states that collect taxes on Social Security benefits, AARP says.

22. South Carolina

Old people in geriatric hospice: group of senior women playing cards and having fun together. The aged ladies sit on the sofa of the hospital and start a new match
Diego Cervo / Shutterstock

Average annual benefit: $17,712

In South Carolina, 796,032 retirees were collecting benefits in 2018 that averaged $1,475.98 per month.

That's equivalent to $17,711.73 a year.

21. Vermont

Senior man solo traveller birdwatching from kayak in morning fog
Christine Glade / Shutterstock

Average annual benefit: $17,779

In Vermont, 106,070 retirees were collecting benefits in 2018 that averaged $1,481.62 per month, or $17,779.39 a year.

Vermont also is among the 13 states that collect taxes on Social Security benefits, AARP says.

20. Wyoming

Attractive older Caucasian man with blue eyes, with face covered by bandana. Standing beside a river with fishing rod, trees and grass in background. He looks like a retiree.
Diane Isabel / Shutterstock

Average annual benefit: $17,822

In this sparsely populated state, 82,101 retirees were collecting benefits in 2018 that averaged $1,485.18 per month.

That works out to an average $17,822.19 a year for each Wyoming retiree on Social Security.

19. Illinois

Elderly 80 plus year old man outdoor portrait with the Chicago skyline in the background.
Fotoluminate LLC / Shutterstock

Average annual benefit: $17,896

In Illinois, 1,590,343 retirees were collecting benefits in 2018 that averaged $1,491.30 per month.

That's the same as $17,895.63 per year.

18. Arizona

Happy, Hugging Senior Couple Posing on the Edge of The Grand Canyon.
Andy Dean Photography / Shutterstock

Average annual benefit: $17,897

In Arizona — another state that draws large numbers of retirees — 992,575 retired workers were collecting benefits in 2018 that averaged $1,491.45 per month.

Multiply by 12 and you get an average annual income of $17,897.44.

17. Rhode Island

Woman on Beach Little Compton RI
Kate Elliott / Shutterstock

Average annual benefit: $17,920

In Rhode Island, 156,598 retirees were collecting benefits in 2018 that averaged $1,493.31 per month, or $17,919.77 a year.

Rhode Island is another of the 13 states that tax Social Security benefits, according to AARP.

16. Utah

Forced perspective of a senior adult woman (60s) pretending to touch a famous rock formation in Utah Monument Valley
melissamn / Shutterstock

Average annual benefit: $18,009

In Utah 284,754 retirees were collecting benefits in 2018 that averaged $1,500.79 per month or $18,009.44 a year.

Utah is yet another of the 13 states that levy state taxes on Social Security benefits, AARP says.

15. Wisconsin

Senior couple enjoying time together by a lake
Suzanne Tucker / Shutterstock

Average annual benefit: $18,024

In Wisconsin, 896,146 retirees were collecting benefits in 2018 that averaged $1,502.04 per month.

That's the same as an income of $18,024.45 a year.

14. Virginia

Back view of man watching sunset from rocky summit of Stony Man on Skyline Drive in Virginia
Steve Heap / Shutterstock

Average annual benefit: $18,084

In Virginia, 1,078,144 retired workers were collecting benefits in 2018 that averaged $1,507.01 per month.

That works out to $18,084.17 per year.

13. Massachusetts

Old woman sailing on the Charles river on sunny day  with happy on Boston city background.
2p2play / Shutterstock

Average annual benefit: $18,104

In Massachusetts, 878,840 retirees were collecting benefits in 2018 that averaged $1,508.65 per month.

That's equivalent to $18,103.76 a year.

12. Kansas

Two farmers in a field examining wheat crop.
PointImages / Shutterstock

Average annual benefit: $18,145

In Kansas 391,286 retirees were collecting benefits in 2018 that averaged $1,512.09 per month or $18,145.06 a year.

Kansas also is among the 13 states that collect taxes on some Social Security benefits, according to AARP.

11. New York

Gay Couple at Park in New York
William Perugini / Shutterstock

Average annual benefit: $18,174

In New York 2,548,783 retirees were collecting benefits in 2018 that averaged $1,514.50 per month, or $18,174.04 a year.

The first official Social Security number was 055-09-0001 — issued in 1936 to 23-year-old John Sweeney Jr. of New Rochelle, New York.

10. Pennsylvania

Senior Group Friends Exercise Relax Concept
Rawpixel.com / Shutterstock

Average annual benefit: $18,185

In Pennsylvania 1,966,422 retirees were collecting benefits in 2018 that averaged $1,515.44 per month.

Multiply by 12 and you get $18,185.31 a year.

9. Minnesota

Woman and dog in matching red jackets walking in snow after winter storm in Minnesota.
Edgar Lee Espe / Shutterstock

Average annual benefit: $18,257

In Minnesota 761,515 retirees were collecting benefits in 2018 that averaged $1,521.45 per month or $18,257.40 a year.

Minnesota is another of the 13 states that collect state income tax on Social Security benefits, according to AARP.

8. Indiana

Man and woman, senior couple, having a walk in autumn or fall outdoors, the trees show colorful foliage
Kzenon / Shutterstock

Average annual benefit: $18,266

In Indiana, 921,226 retirees were collecting benefits in 2018 that averaged $1,522.20 per month

That works out to an average annual income of $18,266.36. Could you live on that? It's vital to have savings to fall back on.

7. Washington

Senior Woman Stopping to Enjoy the Scenery in Eastern Washington State while on a Bike Ride
Julie DeGuia / Shutterstock

Average annual benefit: $18,432

In Washington, 970,010 retirees were collecting benefits in 2018 that averaged $1,535.96 per month

That calculates to an average annual income of $18,431.57.

6. Maryland

Senior lady in patio chairs drinking champagne by Chesapeake bay
Steve Heap / Shutterstock

Average annual benefit: $18,586

In Maryland, 720,910 retirees were collecting benefits in 2018 that averaged $1,548.85 per month.

Multiply by 12 and you get an annual income averaging $18,586.14. Despite the relatively high benefits here, there are plenty of other reasons you probably wouldn't want to retire in Maryland.

5. Michigan

A woman on the beach watching Lake Michigan
Lindsay Snow / Shutterstock

Average annual benefit: $18,614

In Michigan, 1,498,279 retired workers were collecting benefits in 2018 that averaged $1,551.19 per month.

The math works out to an average annual income of $18,614.28.

4. New Hampshire

Artist outside in the field painting on his easel a landscape of the wildflowers in the mountains.  Copy space.
Denise Lett / Shutterstock

Average annual benefit: $18,794

In New Hampshire 213,708 retirees were collecting benefits in 2018 that averaged $1,566.21 per month, or $18,794.49 per year.

The lowest Social Security number ever issued was given to Grace Owen of Concord, New Hampshire, in 1936. It was: 001-01-0001.

3. Delaware

Group of four happy seniors with mugs toasting
CREATISTA / Shutterstock

Average annual benefit: $19,009

In Delaware, 156,16 retirees were collecting benefits in 2018 that averaged $1,584.12 per month.

That works out to Social Security payments averaging $19,009.38 a year.

2. Connecticut

An older couple on the beach looking across the water at beautiful waterfront homes.  Vintage effect applied.
Edward Fielding / Shutterstock

Average annual benefit: $19,343

In Connecticut, 501,724 retirees were collecting benefits in 2018 that averaged $1,611.88 per month, or $19,342.59 a year.

Connecticut is the last of the 13 states that collect taxes on Social Security benefits, AARP says.

1. New Jersey

Front view of happy diverse senior woman exercising with resistance band in fitness studio
wavebreakmedia / Shutterstock

Average annual benefit: $19,402

The Garden State is where older people receive the largest average Social Security payments, according to the latest data from the program.

In New Jersey, 1,181,229 retirees were collecting benefits in 2018 that averaged $1,616.80 per month, or $19,401.58 a year.

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