The 10 Worst States to Retire In: They're Frosty and Costly

× has compiled a list of the 10 worst states in which to retire, based on five factors: fiscal health, property taxes, income taxes, cost of living and climate.

Now, this list comes with the important caveat that every retirement is unique. You don't get to choose, for instance, where your friends and family live, and proximity to them could be a major factor in your decision. And the way the criteria are weighted may not match your person preferences. Maybe you like living somewhere that has really intense winters. Perhaps the list ignores an issue that's vital to you. Even so, it's a good place to start.

This year's Worst 10 List features three new arrivals -- Vermont, Minnesota and Maine -- meaning three other states have escaped retirement infamy: Ohio, Nevada and California. Read on to find out which states weren't so lucky.

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The list compiled by AARP, that bastion of conservative thought, almost matched this one , and their list of best states for retirement consisted almost entirely of "red" states. So you conservative conspiracy theorists need to take a hike.

September 30 2012 at 11:00 AM Report abuse rate up rate down Reply

The math and facts presented by the happy north easterner does not matter. These bad states are where they are because states not mentioned are so much better. Georgia for instance removes school taxes when you are 65 years old. At 62 you are also exempt from state income taxes. The climate is more moderated and the cost of heating is down, with summers equal to NY , it's winters have little to no sno and rarely does it drop below 45 degrees. The electric rates are 60 percent lower per kilowatt , car insurance is 33 percent less. The northeast is not even in competition to other states not listed.

September 07 2012 at 10:03 PM Report abuse rate up rate down Reply

OK I admit that I am biased as a happy northeasterner against what you have here. I realize too that you have just quoted a report of commentary from a set of facts and that you have nicely mentioned caveats. However, there are so many other factors or caveats to consider. First, some of the financials are inaccurate or incompletely explained as well as other factors that are financial to consider. For example, some states have higher property taxes have lower sales taxes, see NH, where there are high property taxes and no sales taxes. I think besides weather preferences, there are crime and living conditions and general landscape and offerings to consider. The coastline and wilderness of Maine are hard to match. My parents retired in Mass, and I know or have known many retirees in the northeast who have not ever complained about the things you have mentioned. For my own retirement, I would not ever consider the oppressive heat and humidity or crime ridden areas of popular retirement areas of AZ or can have them!

August 20 2012 at 9:11 AM Report abuse rate up rate down Reply
John B

Steidle Pension Solutions ( has been administering my small business retirement plan for years now. If you want to save time, frustration and money on your plan, I highly suggest contacting them.

July 18 2012 at 11:54 AM Report abuse rate up rate down Reply

More silly 'Top Ten" lists. Even though Illinois doesn't tax pensions or social security its a bad place for retirement!
Central Illinois features goregous lakes and landscapes and the lowest property taxes in the nation.

February 02 2012 at 2:46 PM Report abuse rate up rate down Reply

why make unions the goat why not just say people like gooden whom without a computer would b as important as my pooper scooper

January 26 2012 at 6:30 PM Report abuse rate up rate down Reply

Lets see here. What do ALL of these states have in common over time? ( jeopardy music )
Thats right! Benevolant ( to union stooges) liberal,progressive government!. With the present exception of Wisconsin where unions are rushing to recall a Govenor thats actually turned the financial mess around. Cant have that nonsense now can we?
What does it take for people to see this? its all right in front of you.
"There are none so blind as those who will not see"

January 24 2012 at 9:47 AM Report abuse rate up rate down Reply

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January 23 2012 at 3:20 PM Report abuse +1 rate up rate down Reply

If Massachusetts is Taxachusetts, then my state is Conned-ticut. Everyone who works here gets cheated out of their pay due to the over-paid state worker's, their high pensions and the union backing the whole racket up.
There I said it now.

January 22 2012 at 6:01 AM Report abuse rate up rate down Reply

Public employee pensions (such as schoolteachers') are not taxed in NY state. All the other taxes are in full effect though..

January 20 2012 at 11:38 AM Report abuse rate up rate down Reply