Ideally, retirement is a time in the life cycle when an individual begins to welcome the golden age. Unarguably, retirement ushers in a profoundly different lifestyle with significant changes in virtually ramification of your life. While retirement can be a time of refreshment, relaxation and gratification that allows you plenty of time pursue diversions, inclinations and other pleasures, it can also usher in a disappointingly enervating  period in  life, with plenty of stress, discomfort and distress. In addition to extensive planning and preparation, retirement also requires that you research to find places that are supportive to your retirement goals. While there are personal factors that you must put into consideration for a happy retirement life, it is also imperative to consider external factors that can jeopardize a blissful retirement such as the state you hope to retire in. There are some states that are completely unsuitable for your retirement plan because of a variety of factor such as the cost of living, taxes, and other related issues. Here are some of the most unfavorable states for retirement in the United States.

1. New York:

undoubtedly, the city of New York is one of the most expensive states to retire in which makes it particularly disadvantageous when you are making retirement plans. The tax rate in the New York City is particularly high with state and local income tax being exclusively higher than any other state in America. In addition to this, a staggering amount of tax is paid on property in the United States making New York the fourth highest state in property tax. The tax rates are extremely high in New York City making it largely unfavorable for your retirement plan. Cost of living is also an important consideration when planning for retirement. A state with a low cost of living would be less stressful to live in, while offering plenty of opportunity to save money by cutting back on expenses. Statistical facts on the cost of living in New York skyrocketed to 4% in 2014. To exacerbate the situation further, health care and accommodation which are especially relevant to senior citizens are also costly in the New York. Healthcare and accommodation are very important considerations for retirement which is why New York is the most unfavorable state for retirement.

2. Washington, D.C :

While there are many fascinating things about Washington D.C , chief amongst which is being the capital of the United states, Washington D.C is also very unfavorable for retirement because of an assortment of very cogent reasons. The foremost reason why Washington D.C is not advisable for retirement hinges largely on the ridiculously high cost of living. While there are many older people with high income in Washington D.C, there is also an alarming rate of impoverishment amongst older citizens which is set at 14%. Accommodation in Washington DC is also quite expensive and is regarded as the one of the highest trailing Hawaii very closely. Tax is equally very high in Washington D.C , with income and sales tax rate being astronomically high making it very unsuitable for retirement. Quite surprisingly, the crime rate in Washington D.C is significantly high when compared with many other states making Washington D.C not a very suitable retirement option

3. California:

the Golden state is not exactly a Golden option for retirement. While California boasts of being the state with the biggest economy in the America the state also has a commensurately high cost of living creating a very challenging environment to retire into. With sales tax at 7.5%, California is unarguably very costly to live in. while California has an unmistakable oriental ambience, many exceptionally dazzling businesses, a reputation as the home place of many celebrities, elaborate parties and plenty fun activities, California is still a very expensive place to retire into as the cost of housing is considerably high with an average that has been statistically proven to be twice the national cost of housing. The cost of renting houses is equally alarmingly exorbitant making it a disadvantageous alternative for people that intend to retire into a rented house. While the beautiful faces, exotic scenery, palm trees and crystal clear seas may evoke an idyllic environment of luxury, convenience and fun, California is certainly not a shrewd option for retirement because it is very expensive to live in and the taxes are cutthroat.

4. Oregon:

while Oregon offers a multiplicity of engaging side attractions and can be a very fun and adventurous state with beaches, and fun places, it would interest you to know that the state of Oregon is not exactly an ideal place for retirement. There are two prominent reasons why retiring in Oregon is not exactly a great idea. Just like the aforementioned states, the reasons are a ridiculously high tax and a significantly high cost of living. The state is very expensive to live in which could cause a tremendous levels of financial hardship particularly if you are on a fixed income. Just like California, the cost of accommodation is quite outrageous with an average price that is more than double national price. The general cost of living in Oregon is also expensive with gas being nearly 12% more than it is sold on an average nationwide. Health care which happens to be one of the most important considerations for retirement is also very high when compared with many other states. When it comes to taxes, there is the distinctive advantage of escaping the clutches of sales tax as it is not applicable in the state of Oregon, however, high income earners are would have to cope with an alarming 9.9% tax. In this context, high income earners encompass any single person with a yearly income that exceeds $125,000 or a joint income that exceeds $250,000. While Oregon offers many interesting features, it is highly recommended that you do not retire in Oregon as it is largely unfavorable form an economic standpoint.



5. Hawaii:

it is nearly impossible to think of Hawaii without the irresistibly compulsive imagery of waves and surfing popping up in your head. The weather is unarguably fantastic and is reinforced by an environment that permeates with nature. Hawaii is a favorite for many tourists from within and outside America making Hawaii very expensive to live in. the distressingly high cost of living in Hawaii is buttressed by the fact that its housing is the most expensive in the whole of United states with an average cost of housing that is nearly three times more than the national average. Tax in Hawaii is massive as the income tax in Hawaii being the second highest in the whole of the United States.

6. New Jersey:

the state of New Jersey has a reputation for being one of the safest states in the United States which is a very important retirement consideration. On the other hand, the cost of living is quite and tax in New Jersey is a major deterrent. The cost of accommodation in New Jersey is very expensive with the tax on property being astronomically high.  Furthermore the cost of health care in Oregon is equally high making it quite unsuitable for old people to retire in. while tax in Oregon is exactly very high, it is still much higher than average.

7. North Carolina:

North Carolina is a state that has a unique reputation for comfort with a lifestyle that is slow and idyllic. The coastal state which has a rich and vibrant culture with the amazing interplay of many different cultural influences particularly English and Hispanic making North Carolina a very interesting place to be in. The cost of living in North Carolina in North Carolina is quite expensive which is further aggravated by the fact that the average income of families in New Jersey is much lower than the rest of the country. The extent of poverty in New Jersey is also very high with many old people being impoverished. New Carolina has a general poverty situation of more than 17% which is disturbingly high.

8. Minnesota:

Minnesota is loved and admired for the hospitality and caring nature that the city has. Minnesota nice as the state is stereotypically called is known to be a state that welcomes people with the best of southern hospitality. While there are many fascinating things about Minnesota, from the scenery, lakes, and people, Minnesota nice is not exactly a nice place to retire to. Minnesota happens to be the state with the highest tax rates in the whole of the United States. The situation of tax in Minnesota is made even worse by the taxing of retirement income which extensively includes army, private and even government pensions. Furthermore, the poverty level amongst older citizens very high when compared with other states and this is made worse by the fact that the standard of living in Minnesota is very high and this affects virtually every sector including medicine and health sector which is a fundamental consideration when considering a potentially favorable state to retire into.

9. Illinois:

the state of Illinois is has very high tax rate with an exorbitant health care cost which makes it unfavorable for retirement as elderly retired people often require health care services which is why it should be affordable and readily accessible. The cost of health care typically accumulates to unbelievably high figures annually which are not ideal for retirement. While there are no taxes for on retirement pension, the general cost of living coupled with the cost of health care makes the state of Illinois not so pleasant for retirement.


It is absolutely imperative that you carefully evaluate the peculiarities of various states, with careful consideration on how the tax and cost of living would impact on your standard of living. Retirement is a special time in your life cycle and must be spent in comfort and wellness. While there are many other factors that can influence your decision on which state to retire in, the aforementioned states are a comprehensive list of states that are mostly unfavorable for retirement when considered against the backdrop of taxes, cost of living and your financial stability.


List of Unfavorable retirement states in the United State


Ideally, retirement is a time in the life cycle when an individual begins to welcome the golden age. Unarguably, retirement ushers in a profoundly different lifestyle with significant changes in virtually ramification of your life. While retirement can be a time of refreshment, relaxation and gratification that allows you plenty of time pursue diversions, inclinations and other pleasures, it can also usher in a disappointingly enervating  period in  life, with plenty of stress, discomfort and distress. In addition to extensive planning and preparation, retirement also requires that you research to find places that are supportive to your retirement goals. While there are personal factors that you must put into consideration for a happy retirement life, it is also imperative to consider external factors that can jeopardize a blissful retirement such as the state you hope to retire in. There are some states that are completely unsuitable for your retirement plan because of a variety of factor such as the cost of living, taxes, and other related issues. Here are some of the most unfavorable states for retirement in the United States.

1. New York:

undoubtedly, the city of New York is one of the most expensive states to retire in which makes it particularly disadvantageous when you are making retirement plans. The tax rate in the New York City is particularly high with state and local income tax being exclusively higher than any other state in America. In addition to this, a staggering amount of tax is paid on property in the United States making New York the fourth highest state in property tax. The tax rates are extremely high in New York City making it largely unfavorable for your retirement plan. Cost of living is also an important consideration when planning for retirement. A state with a low cost of living would be less stressful to live in, while offering plenty of opportunity to save money by cutting back on expenses. Statistical facts on the cost of living in New York skyrocketed to 4% in 2014. To exacerbate the situation further, health care and accommodation which are especially relevant to senior citizens are also costly in the New York. Healthcare and accommodation are very important considerations for retirement which is why New York is the most unfavorable state for retirement.

2. Washington, D.C :

While there are many fascinating things about Washington D.C , chief amongst which is being the capital of the United states, Washington D.C is also very unfavorable for retirement because of an assortment of very cogent reasons. The foremost reason why Washington D.C is not advisable for retirement hinges largely on the ridiculously high cost of living. While there are many older people with high income in Washington D.C, there is also an alarming rate of impoverishment amongst older citizens which is set at 14%. Accommodation in Washington DC is also quite expensive and is regarded as the one of the highest trailing Hawaii very closely. Tax is equally very high in Washington D.C , with income and sales tax rate being astronomically high making it very unsuitable for retirement. Quite surprisingly, the crime rate in Washington D.C is significantly high when compared with many other states making Washington D.C not a very suitable retirement option

3. California:

the Golden state is not exactly a Golden option for retirement. While California boasts of being the state with the biggest economy in the America the state also has a commensurately high cost of living creating a very challenging environment to retire into. With sales tax at 7.5%, California is unarguably very costly to live in. while California has an unmistakable oriental ambience, many exceptionally dazzling businesses, a reputation as the home place of many celebrities, elaborate parties and plenty fun activities, California is still a very expensive place to retire into as the cost of housing is considerably high with an average that has been statistically proven to be twice the national cost of housing. The cost of renting houses is equally alarmingly exorbitant making it a disadvantageous alternative for people that intend to retire into a rented house. While the beautiful faces, exotic scenery, palm trees and crystal clear seas may evoke an idyllic environment of luxury, convenience and fun, California is certainly not a shrewd option for retirement because it is very expensive to live in and the taxes are cutthroat.

4. Oregon:

while Oregon offers a multiplicity of engaging side attractions and can be a very fun and adventurous state with beaches, and fun places, it would interest you to know that the state of Oregon is not exactly an ideal place for retirement. There are two prominent reasons why retiring in Oregon is not exactly a great idea. Just like the aforementioned states, the reasons are a ridiculously high tax and a significantly high cost of living. The state is very expensive to live in which could cause a tremendous levels of financial hardship particularly if you are on a fixed income. Just like California, the cost of accommodation is quite outrageous with an average price that is more than double national price. The general cost of living in Oregon is also expensive with gas being nearly 12% more than it is sold on an average nationwide. Health care which happens to be one of the most important considerations for retirement is also very high when compared with many other states. When it comes to taxes, there is the distinctive advantage of escaping the clutches of sales tax as it is not applicable in the state of Oregon, however, high income earners are would have to cope with an alarming 9.9% tax. In this context, high income earners encompass any single person with a yearly income that exceeds $125,000 or a joint income that exceeds $250,000. While Oregon offers many interesting features, it is highly recommended that you do not retire in Oregon as it is largely unfavorable form an economic standpoint.



5. Hawaii:

it is nearly impossible to think of Hawaii without the irresistibly compulsive imagery of waves and surfing popping up in your head. The weather is unarguably fantastic and is reinforced by an environment that permeates with nature. Hawaii is a favorite for many tourists from within and outside America making Hawaii very expensive to live in. the distressingly high cost of living in Hawaii is buttressed by the fact that its housing is the most expensive in the whole of United states with an average cost of housing that is nearly three times more than the national average. Tax in Hawaii is massive as the income tax in Hawaii being the second highest in the whole of the United States.

6. New Jersey:

the state of New Jersey has a reputation for being one of the safest states in the United States which is a very important retirement consideration. On the other hand, the cost of living is quite and tax in New Jersey is a major deterrent. The cost of accommodation in New Jersey is very expensive with the tax on property being astronomically high.  Furthermore the cost of health care in Oregon is equally high making it quite unsuitable for old people to retire in. while tax in Oregon is exactly very high, it is still much higher than average.

7. North Carolina:

North Carolina is a state that has a unique reputation for comfort with a lifestyle that is slow and idyllic. The coastal state which has a rich and vibrant culture with the amazing interplay of many different cultural influences particularly English and Hispanic making North Carolina a very interesting place to be in. The cost of living in North Carolina in North Carolina is quite expensive which is further aggravated by the fact that the average income of families in New Jersey is much lower than the rest of the country. The extent of poverty in New Jersey is also very high with many old people being impoverished. New Carolina has a general poverty situation of more than 17% which is disturbingly high.

8. Minnesota:

Minnesota is loved and admired for the hospitality and caring nature that the city has. Minnesota nice as the state is stereotypically called is known to be a state that welcomes people with the best of southern hospitality. While there are many fascinating things about Minnesota, from the scenery, lakes, and people, Minnesota nice is not exactly a nice place to retire to. Minnesota happens to be the state with the highest tax rates in the whole of the United States. The situation of tax in Minnesota is made even worse by the taxing of retirement income which extensively includes army, private and even government pensions. Furthermore, the poverty level amongst older citizens very high when compared with other states and this is made worse by the fact that the standard of living in Minnesota is very high and this affects virtually every sector including medicine and health sector which is a fundamental consideration when considering a potentially favorable state to retire into.

9. Illinois:

the state of Illinois is has very high tax rate with an exorbitant health care cost which makes it unfavorable for retirement as elderly retired people often require health care services which is why it should be affordable and readily accessible. The cost of health care typically accumulates to unbelievably high figures annually which are not ideal for retirement. While there are no taxes for on retirement pension, the general cost of living coupled with the cost of health care makes the state of Illinois not so pleasant for retirement.


It is absolutely imperative that you carefully evaluate the peculiarities of various states, with careful consideration on how the tax and cost of living would impact on your standard of living. Retirement is a special time in your life cycle and must be spent in comfort and wellness. While there are many other factors that can influence your decision on which state to retire in, the aforementioned states are a comprehensive list of states that are mostly unfavorable for retirement when considered against the backdrop of taxes, cost of living and your financial stability.