Lists and Curiosities

The Worst States to Retire in 2022

Deciding where to live when you retire involves numerous variables, but here is a brief summary that may help you.


First, it must be said that the reasons surrounding the notion of a good retirement can be numerous and varied since we are dealing with an event on an individual level, i. e. with subjectivity. So what matters most when deciding where to live when you retire is ultimately up to you. Location, cost of living, Housing, availability of health care, weather, local lifestyle, etc. all these factors are important, right? Or perhaps you think that a balanced combination of all these factors would be ideal.

But for practical and comparative purposes, it is convenient to define certain criteria and parameters that will allow us to visualize the problems of retiring in certain states considering the year 2022. So what we present in this article is a list of places that, given certain parameters, you would do well to avoid when retiring. But obviously, unless you have very strong personal reasons to go there, after all, your retirement plan needs to go beyond the cost of living, tax burdens, and quality of health care, although these are important considerations.

So it is important that you make a list of what is most important to you. Living closer to family, a mild climate, and feeling safe in your environment are all possible factors in deciding where to retire.

Personal finance website WalletHub compared the 50 states across three key criteria: affordability, quality of life, and health care. These criteria were evaluated using 47 relevant metrics, like the adjusted cost of living, tax-friendliness and cost of in-home services for affordability; risk of social isolation, elderly-friendly labor market, and access to public transportation for quality of life; and family medicine physicians/dentists/nurses per capita, quality of public hospitals and life expectancy for health care.

These Are The Most Poorest Cities in America

Find out which are the poorest cities in the United States today! We made a list with 6 of them and what led them to this situation.

This is the list of the worst states to retire, according to WalletHub:

10. Louisiana

Ranking: 41

Total score: 46.03


Quality of life: 47

Health care: 46

9. West Virginia

Ranking: 42

Total score: 45.63

Affordability: 17

Quality of life: 43

Health care: 45

8. Arkansas

Ranking: 43

Total score: 44.43

Affordability: 16

Quality of life: 48

Health care: 43

7. Rhode Island

Ranking: 44

Total score: 44.35

Affordability: 40

Quality of life: 39

Health care: 19

6. Illinois

Ranking: 45

Total score: 44.27

Affordability: 47

Quality of life: 23

Health care: 21

5. Oklahoma

Ranking: 46

Total score: 43.97

Affordability: 21

Quality of life: 44

Health care: 44

4. Kentucky

Ranking: 47

Total score: 42.49

Affordability: 26

Quality of life: 42

Health care: 47

3. New York

Ranking: 48

Total score: 42.47

Affordability: 50

Quality of life:12

Health care: 7

2. Mississippi

Ranking: 49

Total score: 41.17

Affordability: 12

Quality of life: 50

Health care: 49

1. New Jersey

Ranking: 50

Total score: 40.27

Affordability: 49

Quality of life: 34

Health care: 28

Source: WalletHub)

Note: With the exception of “Total Score,” all of the columns in the table above depict the relative rank of that state, where a rank of 1 represents the best conditions for that metric category.

Retirement conditions are deteriorating in the US

By way of context, it is worth mentioning that, in general, retirement conditions are getting worse in the US, with fewer and fewer people being able to adequately prepare for this time in their lives. Over the last few decades, the overall picture is a picture of increasingly inadequate retirement savings for successive generations of Americans. Also, large disparities in income, race, ethnicity, education, and marital status.

A recent survey by economist Monique Morrissey from Economic Policy Institute found the following situation:

  • Nearly half of U.S. families have no retirement savings. Using the most recent data from 2016, EPI’s State of American Retirement Savings finds that:
  • Only 54 percent of families headed by prime-age workers (age 32–61) participate in any kind of retirement plan, down from 60 percent in 2001.
  • More than twice as many families have defined contribution plans as defined benefit plans, but participation in pensions is more equal across education, race, and income groups.
  • Retirement savings have stagnated in the new millennium, with nearly half of families lacking any retirement savings. Median balances for families with savings range from $1,000 for families in their mid-30s to $21,000 for families approaching retirement in 2016.
  • Only 35 percent of Hispanic families and 41 percent of black families have retirement account savings. In contrast, 68 percent of white, non-Hispanic families have retirement savings.
  • Single men and women are less likely than married couples to have retirement savings, and the share of single men with savings has declined significantly.

About the author  /  Marcelo Lopes


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