In recent days, millions of retirees in the United States have felt fear after what they've heard. The worst has been confirmed, and it's news that could significantly affect your well-being.
A recent study revealed that many states have difficult conditions for retirement. Variables such as cost of living, taxes, access to healthcare, and crime affect the real impact of Social Security. In some places, the benefits simply aren't enough to live comfortably.
The worst places to enjoy retirement in the United States: pay attention
For example, states like Mississippi, Arkansas, Tennessee, Arizona, and West Virginia are among the worst for retirement. Residents have low savings in 401(k)-type accounts, reduced median incomes, and high levels of dependence on Social Security. In those regions, the impact of receiving only the benefits can be devastating.
Another source highlights states like Kentucky, New Jersey, Mississippi, Oklahoma, New York, Louisiana, Illinois, Washington, Maryland, and Arkansas as the worst for retirement. All due to high crime rates, high cost of living, lack of general well-being, and limited access to medical services.
SSA benefits don't compensate as much in these states
It has also been identified that places like Hawaii, Massachusetts, California, and New York offer fewer years of life covered by SSA benefits. This is due to the high annual cost of living. In contrast, states like West Virginia, Kansas, Mississippi, and Oklahoma allow retirees to stretch that income much longer.
Additionally, some states are especially vulnerable because retirees depend almost entirely on Social Security. Vermont, New Hampshire, and Oregon stand out for having high dependence on those benefits, high cost of living, or limited support infrastructure.
A factor that significantly influences
Another key factor is the administration of the system. From March 2024 to March 2025, 46 states closed offices or reduced Social Security staff, which lengthens wait times and makes service more difficult, especially in rural areas.
Given these circumstances, retirement in the United States has a variable impact depending on the state. If you depend on Social Security, consider these variables carefully. It's not just the amount of the check; it's the cost of living, taxes, healthcare, safety, and accessibility that determine whether a place is good or bad for retirement.