10 best states to retire in the US in 2026

By Enitan Abdultawab

The decision that comes with planning for retirement involves more than just savings. It’s also about choosing the right environment to enjoy your latter years.

For residents in the United States of America, retirees increasingly look for places that offer a balance between lifestyle quality and financial ease, sieving them through affordability to comfort.

According to a recent ranking by The Annuity Expert, metrics such as quality of life and tax burden play a crucial role in determining the most retirement-friendly states. Here’s a breakdown of the top 10 states that stand out based on those key indicators.

Florida
Florida tops the list, combining a strong quality of life ranking (20) with a relatively moderate tax burden of 9.10%. Its appeal lies in offering retirees a balanced lifestyle without excessive financial pressure.

Georgia
Georgia ranks second, though its quality of life score (35) is lower compared to others. However, its tax burden of 8.90% makes it an attractive option for retirees seeking affordability.

Ohio
Ohio secures third place with a mid-range quality of life index (32) and a 10.00% tax burden, offering a stable and relatively affordable retirement environment.

Iowa
Iowa combines a decent quality of life ranking (30) with a slightly higher tax burden of 11.20%, making it suitable for retirees prioritising community and stability.

Nebraska
Nebraska stands out with a strong quality of life position (19), though its tax burden (11.50%) is on the higher side, balancing comfort with moderate costs.

Michigan
Michigan offers a lower tax burden of 8.60%, but its quality of life ranking (39) suggests trade-offs in living conditions.

Virginia
Virginia performs well in quality of life (12), one of the best on the list, but has a higher tax burden at 12.50%, which may influence affordability for retirees.

Texas
Texas presents a balanced option with a moderate quality of life ranking (27) and a relatively low tax burden of 8.60%, appealing to cost-conscious retirees.

Minnesota
Minnesota boasts a strong quality of life score (15), though its tax burden is higher at 12.10%, making it ideal for those prioritising living standards over cost.

Missouri
Missouri rounds out the top 10 with a solid quality of life ranking (36) and a moderate tax burden of 9.30%, offering retirees a balance of affordability and comfort.