How Much Does Retirement Really Cost Where You Live?

Retirement isn’t one-size-fits-all, and neither is the cost of living it. Where you choose to retire can have a dramatic impact on how much money you’ll need each year to maintain a comfortable lifestyle.

While some states offer a relatively affordable path, with average annual costs under $60,000, others—like Hawaii, California, and Massachusetts—can demand well over $100,000 per year. These differences stem from variations in housing, healthcare, groceries, and more.

The infographic below maps out the average annual retirement cost in every U.S. state, based on updated data from GOBankingRates and the Bureau of Labor Statistics. It reflects not just essential expenses, but also includes a recommended buffer for savings and discretionary spending—offering a clearer picture of what it really takes to retire comfortably, state by state.

Scroll down to explore where your state lands—and how far your retirement dollars might stretch.