10 best states to retire in the US in 2026

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By Enitan Abdultawab

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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.

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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.

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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.

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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.

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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.

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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.

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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.

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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.

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

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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.

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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.

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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.

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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.

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