New Rankings Reveal Top US States for Retirement in 2025

The latest findings from Bankrate’s 2025 Best and Worst States to Retire Study have shifted the landscape of retirement planning in the United States. In a surprising turn, New Hampshire has emerged as the top state for retirees, unseating Delaware, which fell to 11th place. This change reflects a growing trend among retirees who prioritize affordability, healthcare, and safety over warmer climates.

In stark contrast, Louisiana ranked last on the list, while Florida, historically regarded as a prime retirement destination, landed in a disappointing 41st position. The study indicates a significant shift in priorities, as rising living costs, inflation, and uncertainties surrounding Social Security have made many Americans reconsider their retirement plans.

Changing Priorities in Retirement Decisions

According to a report by Newsweek, many retirees are increasingly anxious about their financial futures. The combination of soaring prices and the potential depletion of retirement savings has prompted individuals to tap into their funds earlier than anticipated. Financial analysts emphasize that selecting the right location can prolong the lifespan of retirement savings, with states like West Virginia, Kansas, and Mississippi requiring the least amount of savings for a comfortable retirement. Conversely, higher-cost coastal states may diminish savings more quickly.

Bankrate evaluated all 50 states using 15 distinct data points, prioritizing factors that Americans value most in retirement. Key categories included affordability (28 percent), weather (18 percent), neighborhood safety (17 percent), healthcare (16 percent), local taxes (9 percent), and cultural opportunities (7 percent), among others.

Stephen Kates, a financial analyst at Bankrate, emphasized the importance of these rankings. He noted that the assessment considered “lifestyle and risk factors that affect daily quality of life” in addition to traditional concerns like sunshine and taxes.

The Top States for Retirees in 2025

The top five states identified for retirement in 2025 reflect a clear preference for regions in New England and the West:

1. **New Hampshire**: Ranked first for neighborhood safety, fifth for healthcare, and sixth for taxes. Its strong scores in safety and affordability offset its lower ratings for weather.

2. **Maine**: Features a large senior population and strong healthcare ranking (third). However, its weather remains a drawback for some retirees.

3. **Wyoming**: Offers no state income tax, making it affordable, though it lacks robust healthcare options.

4. **Vermont**: Known for its excellent healthcare system and vibrant arts scene, but it also scores low on weather.

5. **Idaho**: Achieves good ratings in safety and affordability but has limited cultural and arts experiences.

Other states that made the top ten include Rhode Island, West Virginia, Wisconsin, Utah, and Virginia.

The findings underscore a significant shift in the retirement landscape, as retirees increasingly weigh factors beyond just climate when making their decisions. The emphasis on affordability, healthcare, and safety suggests that future retirees may prioritize stability and quality of life over traditional sun-soaked destinations.