The 15 Worst States to Live in if You Only Get Social Security!

The average Social Security retirement benefit payment is $1,613.77 per month. In most parts of the country, it isn’t enough to get by, but Social Security was never intended to be a retiree’s entire source of income.

However, for many seniors, Social Security is just that, with some jurisdictions’ costs of living becoming unaffordable.

If Social Security is your primary source of income, you might be able to get by in the cheaper 35 states, but GOBankingRates discovered 15 areas that retirees can cross off their list.

Here are the states where a Social Security payment alone isn’t enough to cover the bills, in order from best to worst.

New Hampshire is a state in the United States

  • 109.9 on the cost-of-living scale
  • The average one-bedroom rent in January 2022 is $1,209.

The Laconia Daily Sun reported at the end of 2021 that retiring in New Hampshire costs an average of $1,180,933. Because of New Hampshire’s high cost of living, that’s $60,500 more than the average 65-year-old would spend.

Alaska

  • Index of living costs: 127.1
  • The average one-bedroom rent in January 2022 is $1,100.

The cost of life in Alaska, which is remote and import-dependent, is notoriously high. Housing, on the other hand, isn’t a significant factor.

According to Zillow, the average property value in the state is around $311,000, compared to almost $326,000 countrywide.

Virginia

  • 101.8 on the cost-of-living scale
  • The average one-bedroom rent in January 2022 is $1,344

Despite the state’s generous tax benefits for seniors, Kiplinger claims that Virginia is an unpleasant location to try to stretch a Social Security check — but that depends on where you live.

Northern Virginia’s crowded and expensive metro area, particularly the D.C. Metro, drives up the state’s average cost of living; instead, visit the Shenandoah Valley.

Delaware

  • 107.9 on the cost-of-living scale
  • The average one-bedroom rent in January 2022 is $1,307

Because of its miles of beaches and closeness to Washington, D.C., Philadelphia, and New York, tiny Delaware has long been a retirement destination.

It’s not a place where you’d want to live on a fixed income, but the lack of a sales tax, together with all that coastline, is a significant lure.

 Get Social Security

Colorado

  • 105.3 on the cost-of-living scale
  • The average one-bedroom rent in January 2022 is $1,341.

Housing is one of the most significant costs for retirees and others living in Colorado. The average home there currently costs over $545,000 dollars.

Oregon

  • Index of living costs: 130.1
  • The average one-bedroom rent in January 2022 is $1,114.

According to SoFi, the population of Oregon has increased by more than 10% in the recent decade. However, the state still has fewer than 1.81 million housing units, which explains much of the state’s high cost of living.

Florida

  • 100.3 on the cost-of-living scale
  • The average one-bedroom rent in January 2022 is $1,434

For centuries, Florida has been America’s top retirement destination, but life there isn’t cheap. There are obviously cheaper places to retire, but not in America’s most sought-after seaside resorts.

In fact, retiring on the California or Hawaii coasts will set you back significantly more.

Connecticut

  • 121.6 on the cost-of-living scale
  • The average one-bedroom rent in January 2022 is $1,242.

Everything costs more in Connecticut, which is routinely one of the most expensive states in the US. Groceries, transportation, and healthcare are all included, but housing and utilities are the big killers.

Washington

  • Index of living costs: 111.6
  • The average one-bedroom rent in January 2022 is $1,376.

Washington’s utilities are less expensive than the rest of the country; in fact, they are significantly less expensive. In every other cost-of-living category, however, pensioners and everyone else who lives there will pay more than the national average.

Maryland

  • 124.0 on the cost-of-living scale
  • The average one-bedroom rent in January 2022 is $1,397.

Only a few states have housing costs that are higher than Maryland. The cost of healthcare is much lower than the national average, but nothing else is.

 Get Social Security

New Jersey is a state in the United States

  • Index of living costs: 115.2
  • The average one-bedroom rent in January 2022 is $1,490.

In New Jersey, nearly everything is more expensive than the national average, but the most harmful hidden expense is the state’s notoriously high taxes, particularly property taxes.

According to Bloomberg, residents of the state will pay nearly $1 million in taxes during their lifetimes, or $932,000 to be exact. This is greater than any other state’s residents.

Massachusetts

  • Index of living costs: 135.0
  • The average one-bedroom rent in January 2022 is $1,385

Only four states have greater housing costs than the Commonwealth of Massachusetts. Everything in the notoriously costly New England state is more expensive than usual, including housing, groceries, healthcare, and incidental expenses.

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New York is a city in the United States

  • 148.2 on the cost-of-living scale
  • The average one-bedroom rent in January 2022 is $1,588.

The cost of housing in New York is a stunning 230.1 on the cost-of-living index, compared to a national baseline of 100.0. Healthcare is just slightly above average, and utilities are really below average, but everything else in New York is more expensive.

California

  • 142.2 on the cost-of-living scale
  • The average one-bedroom rent in January 2022 is $1,652.

California has gained a reputation as a high-cost, high-tax retirement haven, with a housing index above 200 and above-average costs in every major cost-of-living category.

If you expect to retire only on Social Security, the California goal will most likely stay a pipe dream.

Hawaii

  • 193.3 on the cost-of-living scale
  • Rent for a one-bedroom apartment in January 2022 is $1,706 on average.

Hawaii, located in the Pacific Ocean between America’s West Coast and Asia’s the Far East, imports everything it can’t cultivate or make on its own from around the world.

It is not inexpensive to retire in paradise. According to Zillow, the average home there now costs more than $800,000.s

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