10 best and worst states to retire

An elderly couple walk arm-in-arm past an outdoor cafe terrace in Edinburgh, U.K., on Wednesday, July 31, 2013. The latest opinion polls show supporters of Scottish First Minister Alex Salmond's campaign for independence lagging behind those in favor of the status quo by more than 20 percentage points ahead of the Sept.18, 2014, referendum. Photographer: Simon Dawson/Bloomberg
Bloomberg News

Those entering retirement age in the next few years may have more to think about than previous generations, as economic uncertainty and a rise in healthcare costs are putting a squeeze on wallets and consumer confidence.

Seniorly recently ranked the best and worst states to retire based on nine metrics spread across three categories: affordability, quality of life, and healthcare. They used a Z-score, or standard normal distribution, to scale each metric relative to the mean across all 50 states and Washington, D.C. and then calculated an overall ranking by determining the average score across all metrics for each state.

Read more: Half of Gen X has done no retirement planning, study says 

Washington, D.C., rose to the top as the best place to retire. The nation's capital had a high availability of doctors, good long-term care spending through Medicaid and a large amount of recreational opportunities such as golf courses, museums, theaters, and sports arenas.

Top states also include Montana and Wyoming. Montana ranked at the top for best quality of life for seniors. Wyoming does not levy an individual income tax.

New Jersey is the worst state to retire. The Garden State has a high cost of living, and ranks towards the middle of other factors, including the size of its older community, its Supplemental Security Income payment, and the availability of arts and recreational facilities.

Other states at the bottom include Alabama and Kansas. Alabama ranks low in healthcare. Kansas ranks low in quality of life, as well as healthcare.

Read more about the best and worst states to retire.

Best states to retire

State
Ranking
Maine
10
Rhode Island
9
North Dakota
8
Vermont
7
South Dakota
6
Pennsylvania
5
Alaska
4
Wyoming
3
Montana
2
District of Columbia
1

Worst states to retire

State
Ranking
New Jersey
51
Alabama
50
Kansas
49
Georgia
48
Oklahoma
47
Mississippi
46
Massachusetts
45
South Carolina
44
Texas
43
Arizona
42

Best states to retire

Chart showing best states to retire where Maine ranks 10th.
Maine ranks 10th for best states to retire.
Chart showing best states to retire where Rhode Island ranks 9th.
Rhode Island ranked 9th for best states to retire.
Chart showing best states to retire where North Dakota ranks 8th.
North Dakota ranked 8th for best states to retire.
Chart showing best states to retire where Vermont ranks 7th.
Vermont ranked 7th for best states to retire.
Chart showing best states to retire where South Dakota ranks 6th.
South Dakota ranked 6th for best states to retire.
Chart showing best states to retire where Pennsylvania ranks 5th.
Pennsylvania ranked 5th for best states to retire.
Chart showing best states to retire where Alaska ranks 4th.
Alaska ranks 4th for best states to retire.
Chart showing best states to retire where Wyoming ranks 3rd.
Wyoming ranks 3rd for best states to retire.
Chart showing best states to retire where Montana ranks 2nd.
Montana ranks 2nd for best states to retire.
Chart showing best states to retire where Washington, D.C. ranks 1st.
Washington, D.C. ranks 1st for best states to retire.

Worst states to retire

Chart showing worst states to retire where Arizona ranks 42nd.
Arizona ranks 42nd for worst states to retire.
Chart showing worst states to retire where Texas ranks 43rd.
Texas ranks 43rd for worst states to retire.
Chart showing worst states to retire where South Carolina ranks 44th.
South Carolina ranks 44th for worst states to retire.
Chart showing worst states to retire where Massachusetts ranks 45th.
Massachusetts ranks 45th for worst states to retire.
Chart showing worst states to retire where Mississippi ranks 46th.
Mississippi ranks 46th for worst states to retire.
Chart showing worst states to retire where Oklahoma ranks 47th.
Oklahoma ranks 47th for worst states to retire.
Chart showing worst states to retire where Georgia ranks 48th.
Georgia ranks 48th for worst states to retire.
Chart showing worst states to retire where Kansas ranks 49th.
Kansas ranks 49th for worst states to retire.
Chart showing worst states to retire where Alabama ranks 50th.
Alabama ranks 50thfor worst states to retire.
Chart showing worst states to retire where New Jersey ranks 51st.
New Jersey ranks 51st for worst states to retire.
MORE FROM EMPLOYEE BENEFIT NEWS