Data from AARP shows that fewer than 266,000 retirees moved to a new state in 2024, down from nearly 340,000 the year before, as many realized that some “dream” retirement states come with higher costs, weaker healthcare, and serious relocation regrets.
Retirement is an exciting chapter of life, and choosing the right place to settle down is a big decision. Many retirees dream of moving to states with warm weather, scenic views, or lower costs of living, often influenced by the hype surrounding certain areas. However, not all of these states live up to the expectations once retirees make the move.
While some states may seem ideal on paper, there are aspects of living there that may not be as attractive when you’re living there full-time. From high taxes to crowded conditions, here are eight states retirees say aren’t worth moving to, despite the hype.
Florida
Data from the U.S. Census Bureau shows Florida’s median property insurance cost for mortgaged homes is about $2,273 per year, while the state hosted a record 143 million tourists in 2024, leaving many retirees shocked by the expense and constant crowds.
Additionally, the cost of living in some areas, like Miami or the Keys, can be much higher than anticipated. While many still choose Florida, more retirees are starting to see its downsides outweigh its appeal, especially when considering long-term costs and safety.
California
California often tops lists of dream destinations, and while the weather is beautiful and the natural scenery is spectacular, retirees are finding the state difficult to navigate once they settle in. The high cost of living, especially in cities like Los Angeles, San Francisco, and San Diego, can quickly deplete savings, especially for those on a fixed income.
Moreover, property taxes and utility costs can be shockingly high, and while California has no state sales tax on food, other living expenses can make it difficult to maintain a comfortable lifestyle. Many retirees find that California’s perks are overshadowed by the financial burden of living there.
New York
While New York offers some great cultural opportunities and urban amenities, it’s not always the ideal retirement destination. The state’s high income and property taxes, especially in cities like New York City or upstate regions, can take a serious toll on a retiree’s finances. Even in more affordable areas, the cost of living remains high.
Additionally, New York’s long, harsh winters are a dealbreaker for many retirees seeking a warmer climate. While it might be an exciting place to live in your younger years, many retirees find that New York simply doesn’t offer the ideal environment for peaceful, affordable living after retirement.
Arizona
Recent data show Phoenix now sees more than 110 days a year above 100°F, and in 2023, Maricopa County recorded over 600 heat‑related deaths, highlighting how Arizona’s brutal summers can seriously limit the “active” retirement many newcomers imagined.
Air quality issues, particularly in urban areas, can also be a concern for retirees with respiratory problems. Additionally, some retirees complain about Arizona’s fast-growing population, which leads to more traffic, crowded spaces, and higher living costs, negating the peace and quiet many retirees seek.
Nevada
While Nevada offers tax-friendly policies, including no state income tax, many retirees find other aspects of the state less appealing. The desert climate can be brutal, especially in places like Las Vegas, where summer temperatures can exceed 110°F, making outdoor activities difficult to enjoy.
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The lack of natural beauty, combined with the bustling tourist scene in major cities like Las Vegas, makes it less desirable for retirees seeking a peaceful, scenic environment. Many retirees are drawn to other states with a lower cost of living and a more relaxed atmosphere.
Texas
Data from the U.S. Census Bureau show that Texas added nearly 563,000 new residents in a single year, while transportation analysts estimate congestion costs drivers up to $1,500 annually, all as extreme heat studies warn that older adults face heightened health risks during Texas summers.
Furthermore, the healthcare system in Texas is often criticized for being less accessible and more expensive compared to other states. Retirees may also struggle with property taxes, which can increase significantly depending on the county. While the state has its perks, these factors often outweigh the benefits for many retirees.
South Carolina
South Carolina is often seen as a great place for retirement, thanks to its warm weather, low taxes, and charming coastal towns. However, retirees have pointed out that the state’s public services, including healthcare, can be lacking in some areas. Small towns often lack access to high-quality healthcare facilities, and the state’s rural areas can feel isolated for those who want more urban conveniences.
In addition, South Carolina’s property taxes are higher than expected, particularly in coastal areas that are popular among retirees. While the state offers a slower pace of life, it may not be the best choice for those seeking more comprehensive services and amenities for aging adults.
Tennessee
Tennessee, known for its music scene and low tax burden, is a great choice for retirees. While there’s no state income tax, property taxes can still add up, and housing costs in cities like Nashville are climbing. Additionally, the state’s humid climate, with sweltering summers, can make outdoor activities uncomfortable for much of the year.
While the state has a lot to offer culturally, retirees may find the lack of coastline or more temperate weather options limiting. The rising cost of living in popular areas is also a concern, making Tennessee a less affordable option for retirees seeking to stretch their savings.
Michigan
Michigan is a good choice for its beautiful lakes, forests, and more affordable housing. However, the long and brutal winters, combined with high property taxes, have left many retirees dissatisfied. The cost of heating homes during Michigan’s harsh winters can be a significant financial burden, particularly on fixed incomes.
Michigan also struggles with a relatively weak healthcare system in certain regions, which can be a concern for retirees with health issues. The state’s economy, particularly outside major urban centers like Detroit, can also be unstable, leading some retirees to seek more secure locations for their post-retirement years.
Key Takeaway
While the hype around certain states as retirement destinations may seem tempting, it’s essential to carefully consider the long-term living conditions, costs, and lifestyle factors before making the move. It’s important to research thoroughly, weigh all the factors, and choose a location that will truly support a fulfilling and financially secure retirement.
Disclaimer – This list is solely the author’s opinion based on research and publicly available information. It is not intended to be professional advice.
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