Author Topic: The 10 most affordable states for retirees in 2025  (Read 1698 times)

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Online mountaineer

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The 10 most affordable states for retirees in 2025
« on: August 25, 2025, 12:15:25 pm »
The 10 most affordable states for retirees in 2025
By James Royal, Ph.D., Bankrate
Published: Aug. 20, 2025 at 8:23 AM EDT|Updated: Aug. 20, 2025 at 9:56 AM EDT
Quote
New Hampshire was named the best state for retirees in 2025, according to Bankrate’s annual Best and Worst States to Retire Study, with the best all-around score. But surprise — the state didn’t crack the top 10 when it came to affordability. That honor belongs to West Virginia, the most affordable state for retirees.

Here are the most and least affordable states for retirees in 2025, according to Bankrate’s analysis.

The 10 most affordable states

Affordability is the largest concern for Americans when it comes to finding the best state for retirement. Retirees may be living on fixed incomes, meaning that every dollar counts, and so states that offer a cheaper cost of living may be particularly attractive. So the most affordable places already have a leg up on the competition when it comes to being named the best state to retire.  ...

Here are the most affordable states, according to Bankrate’s analysis.

    West Virginia
    Pennsylvania
    Delaware
    Wyoming
    Ohio
    Wisconsin
    Nevada
    Indiana
    Idaho
    Georgia

West Virginia powered to the top with strong performances in both key sub-categories. The state had the lowest cost of living, as well as the fourth-lowest cost of homeowner’s insurance, at $1,009 annually.   ...
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« Last Edit: August 25, 2025, 09:37:30 pm by mountaineer »
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Online mountaineer

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Re: The 10 most affordable states for retirees in 2025
« Reply #1 on: August 26, 2025, 09:09:34 am »
WV can boast a Republican governor and Legislature. Oh yeah, and very few illegals.
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Offline DefiantMassRINO

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Re: The 10 most affordable states for retirees in 2025
« Reply #2 on: August 26, 2025, 10:03:18 am »
Georgia is the only state on the list with a coastal shoreline.
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Offline LadyLiberty

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Re: The 10 most affordable states for retirees in 2025
« Reply #3 on: August 26, 2025, 11:39:42 am »
Georgia is the only state on the list with a coastal shoreline.

Are you sure about that? I've seen pics of Sleepy Joe on Rehoboth Beach .....

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Re: The 10 most affordable states for retirees in 2025
« Reply #4 on: August 26, 2025, 11:41:57 am »
WV can boast a Republican governor and Legislature. Oh yeah, and very few illegals.

I LOVE WV but I'm too old to move there.
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Offline DefiantMassRINO

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Re: The 10 most affordable states for retirees in 2025
« Reply #5 on: August 26, 2025, 11:43:36 am »
Dang brain fog ... yeah Delaware is on the coast.

Are you sure about that? I've seen pics of Sleepy Joe on Rehoboth Beach .....
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Re: The 10 most affordable states for retirees in 2025
« Reply #6 on: August 26, 2025, 04:44:32 pm »
If I were to relocate, I'd probably pick mid/central or north/central Pennsylvania.
Beautiful countryside and decent folks.

But WV would be acceptable as well.

Probably too old to even consider this now...

Online berdie

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Re: The 10 most affordable states for retirees in 2025
« Reply #7 on: August 26, 2025, 05:09:56 pm »
WV can boast a Republican governor and Legislature. Oh yeah, and very few illegals.


I was born in Virginia so I'm sure the terrain is much like WV. I've only seen pictures. Been in Tx since I was a couple of weeks old. To old too even visit now, lol.

Online mountaineer

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Re: The 10 most affordable states for retirees in 2025
« Reply #8 on: August 26, 2025, 05:58:42 pm »
Of the top ten, I'd prefer WV and OH. The others are less appealing on the basis of climate or politics.
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Offline escapeefromtaxachusetts

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Re: The 10 most affordable states for retirees in 2025
« Reply #9 on: August 27, 2025, 07:25:39 am »
Pennsylvania doesnt tax pensions which is why many New Jerseyians move here after retiring. I'm on the border of PA/NJ and we have to be careful crossing the state line as PA has a liberal concealed carry policy while carrying into NJ will get you jail time!!

Offline catfish1957

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Re: The 10 most affordable states for retirees in 2025
« Reply #10 on: August 27, 2025, 07:33:25 am »
There's a ton of us seniors here.  We all know that the quality of health care trumps affordability

If.......   The intent of this study is for retirees.

And secondly....   Only one southern state?  I say this study is tending toward bogus.
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Re: The 10 most affordable states for retirees in 2025
« Reply #11 on: August 27, 2025, 07:39:14 am »
I’ve lived in 4 of those states; Wisconsin, Pennsylvania, Ohio and Indiana. Wisconsin is my home and final stop.
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Online mountaineer

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Re: The 10 most affordable states for retirees in 2025
« Reply #12 on: August 27, 2025, 08:04:25 am »
Pennsylvania doesnt tax pensions which is why many New Jerseyians move here after retiring. I'm on the border of PA/NJ and we have to be careful crossing the state line as PA has a liberal concealed carry policy while carrying into NJ will get you jail time!!
Good point. I'm a WV resident, PA native, and cross the border between our two states all the time. Thank goodness for full reciprocity of CCW.
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Offline andy58-in-nh

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Re: The 10 most affordable states for retirees in 2025
« Reply #13 on: August 27, 2025, 08:36:50 am »
I was happy to see New Hampshire at the top of the "best places" list, but as a retiree: I'm keenly aware of its lack of affordability.

Quality of life is really good here, health care options are fantastic, and retirement income is not taxed... all great... but the flip side is that the property taxes are outrageous and electricity costs are the highest in the nation.

We're looking for a southern Red state in which to retire, so Tennessee and South Carolina are currently on the list. I love Florida (most of my family is there), but home ownership and insurance costs are out of sight right now. And it's hot as blazes in the summer.

Addendum @mountaineer : what can you tell me about West Virginiahappy77
« Last Edit: August 27, 2025, 09:15:58 am by andy58-in-nh »
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Re: The 10 most affordable states for retirees in 2025
« Reply #14 on: August 27, 2025, 09:17:56 am »
Iowa is a very affordable state to retire to, and I'm glad it didn't make the list. Let them go somewhere else.
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Re: The 10 most affordable states for retirees in 2025
« Reply #15 on: August 27, 2025, 09:21:04 am »
Many retire to the State of Confusion.

Offline Hoodat

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Re: The 10 most affordable states for retirees in 2025
« Reply #16 on: August 27, 2025, 10:17:50 am »
Only one southern state?  I say this study is tending toward bogus.

Any 'Most affordable' list that doesn't include Mississippi is bogus.
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Re: The 10 most affordable states for retirees in 2025
« Reply #17 on: August 27, 2025, 03:58:08 pm »
what can you tell me about West Virginiahappy77
@andy58-in-nh  - Some incredibly beautiful scenery, some abject poverty, especially in southern counties. Sen. Robert C. Byrd's legacy is that he got so much of the population hooked on government handouts, which is a shame. He's gone, though, and we have Republican - more or less conservative - representation in Congress now. We still need to get people off their rear ends and working. Many of our former industries have died out, but we're trying to adapt.

It's a fairly small state, both in size and population. The cost of living is quite low, from housing to property taxes to gasoline. I compare everything to Pa., which is barely 1/2 mile from our house, and things are way cheaper here.

There is a state income tax, but I don't think it's oppressive. People are generally friendly. From our house to the main road, about 1.1 miles, we pretty much have to wave to everyone we pass, whether driving or walking. And I don't mind being called "hon" by the cashiers at the grocery store, regardless of how old they are. :laugh:

The population is older and less well educated than in some states, and many of the public school systems certainly need improvement. Medical care is pretty good, especially as WVU Medicine seems to be taking over so many small city hospitals. WVU may be raising the overall standard of care.

We know our governor personally, and he's a smart, conservative guy. (Actually, it's not difficult to know a lot of people throughout the state personally, given its population).

I've lived in several large metropolitan areas - from L.A. to NYC - over the years, and wouldn't want to live anywhere but where I am now. Granted, my family's roots go over 270 years deep in W.Va. (it was Virginia before 1863), so it's always been home even when I was physically in another state.
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Re: The 10 most affordable states for retirees in 2025
« Reply #18 on: August 27, 2025, 05:25:22 pm »
Andy --

Take a look at north/central and mid/central Pennsylvania.
Places like Bloomsburg, Danville, Lewisburg, or Mifflinburg.

Take a trip through "the Northern Tier", along the Route 6 road. Miles from the nearest interstate or large city (or even medium-sized city). Some of the prettiest country you'll see outside of New Hampshire. Stop by Wellsboro and spend the night there... visit the PA "Grand Canyon".

Offline andy58-in-nh

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Re: The 10 most affordable states for retirees in 2025
« Reply #19 on: August 28, 2025, 08:45:44 am »
@andy58-in-nh  - Some incredibly beautiful scenery, some abject poverty, especially in southern counties....
@mountaineer

Thanks for all of that solid information.  :patriot: :beer:

We are keeping our options open at the moment, and looking for ideas. We plan to take a long drive next spring and spend a couple of weeks scouting locations.
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Re: The 10 most affordable states for retirees in 2025
« Reply #20 on: August 28, 2025, 08:55:32 am »
@andy58-in-nh  - Some incredibly beautiful scenery, some abject poverty, especially in southern counties. Sen. Robert C. Byrd's legacy is that he got so much of the population hooked on government handouts, which is a shame. He's gone, though, and we have Republican - more or less conservative - representation in Congress now. We still need to get people off their rear ends and working. Many of our former industries have died out, but we're trying to adapt.

It's a fairly small state, both in size and population. The cost of living is quite low, from housing to property taxes to gasoline. I compare everything to Pa., which is barely 1/2 mile from our house, and things are way cheaper here.

There is a state income tax, but I don't think it's oppressive. People are generally friendly. From our house to the main road, about 1.1 miles, we pretty much have to wave to everyone we pass, whether driving or walking. And I don't mind being called "hon" by the cashiers at the grocery store, regardless of how old they are. :laugh:

The population is older and less well educated than in some states, and many of the public school systems certainly need improvement. Medical care is pretty good, especially as WVU Medicine seems to be taking over so many small city hospitals. WVU may be raising the overall standard of care.

We know our governor personally, and he's a smart, conservative guy. (Actually, it's not difficult to know a lot of people throughout the state personally, given its population).

I've lived in several large metropolitan areas - from L.A. to NYC - over the years, and wouldn't want to live anywhere but where I am now. Granted, my family's roots go over 270 years deep in W.Va. (it was Virginia before 1863), so it's always been home even when I was physically in another state.

It's the same for me here in Texas (I live on land that has been in my family since shortly after Texas became Texas) but for that, I would likely have moved to WV years ago. Absolutely beautiful around Bluefield. The whole state really. @mountaineer 
"I wish it need not have happened in my time," said Frodo.

"So do I," said Gandalf, "and so do all who live to see such times. But that is not for them to decide. All we have to decide is what to do with the time that is given us."
- J. R. R. Tolkien

Offline andy58-in-nh

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Re: The 10 most affordable states for retirees in 2025
« Reply #21 on: August 28, 2025, 08:56:05 am »
Andy --

Take a look at north/central and mid/central Pennsylvania.
Places like Bloomsburg, Danville, Lewisburg, or Mifflinburg.

Take a trip through "the Northern Tier", along the Route 6 road. Miles from the nearest interstate or large city (or even medium-sized city). Some of the prettiest country you'll see outside of New Hampshire. Stop by Wellsboro and spend the night there... visit the PA "Grand Canyon".

@Fishrrman

Thanks for the suggestion.

Back in late April, we drove through parts of Southeast Pennsylvania from Easton down to Ephrata (near Lancaster). Definitely some absolutely beautiful land and scenery there, which made us want to check out the area a bit farther west (i.e. - further away from Philly happy77 ).  My maternal grandparents were both from PA (Wilkes-Barre and Philadelphia), as it happens.
"If all men are created equal, that is final. If they are endowed with inalienable rights, that is final. If governments derive their just powers from the consent of the governed, that is final. No advance, no progress can be made beyond these propositions. If anyone wishes to deny their truth or their soundness, the only direction in which he can proceed historically is not forward, but backward toward the time when there was no equality, no rights of the individual, no rule of the people."    -Calvin Coolidge

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Re: The 10 most affordable states for retirees in 2025
« Reply #22 on: August 28, 2025, 09:40:38 am »
If you don't mind cold weather, the northern half of Pa., is quite lovely. The "lower" half wouldn't be quite so cold and snowy, I suspect.
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