No matter where you choose to retire, you’ll be able to sleep in late and work on that book you always wanted to write.

But when it comes to your overall quality of life, the state you live in really does matter.

Every year, multiple studies aim to show you which states are best or worst for retirement. They never agree, so we’ve averaged three rankings into one master list. Here are the worst of the worst.

OUR METHODOLOGY: We added each state's rankings from Bankrate1, WalletHub2 and MoneyRates3 to create scores out of 150. The higher the score, the lower the state ranks as a retirement destination.

Page 1 / 26

Subscribing to Moneywise Has Its Rewards

Hello! You’ve found us by way of our phenomenal lifestyle content, but did you know Moneywise is best known for producing thoroughly researched personal finance content, written by the smartest personal finance writers in the industry?

If you subscribe to Moneywise—for free—you’ll receive a twice-weekly personal finance newsletter that makes you smarter about your money.

Return to article

*Subscribers must be logged in for display advertising to be disabled. Ad-free refers only to display advertising. Content on Moneywise often contains affiliate offers. It would be impractical to remove these from content for subscribers. Furthermore, Moneywise believes linked products and services add sincere value to the content. With that being said, please be aware articles may still contain affiliate offers. These offers will be clearly marked in line with our advertising guidelines.

†Terms and Conditions apply.