{"id":139382,"date":"2025-09-13T04:46:11","date_gmt":"2025-09-13T04:46:11","guid":{"rendered":"https:\/\/www.newsbeep.com\/au\/139382\/"},"modified":"2025-09-13T04:46:11","modified_gmt":"2025-09-13T04:46:11","slug":"how-much-a-comfortable-retirement-will-cost-you-in-each-state-in-2025","status":"publish","type":"post","link":"https:\/\/www.newsbeep.com\/au\/139382\/","title":{"rendered":"How Much a Comfortable Retirement Will Cost You in Each State in 2025"},"content":{"rendered":"\n<p class=\"yf-1090901\">There\u2019s a stark difference between what it means for couples to <a href=\"https:\/\/www.gobankingrates.com\/retirement\/planning\/planning-for-retirement\/?hyperlink_type=manual&amp;utm_term=incontent_link_1&amp;utm_campaign=1315129&amp;utm_source=yahoo.com&amp;utm_content=1&amp;utm_medium=rss\" rel=\"nofollow noopener\" target=\"_blank\" data-ylk=\"slk:retire;elm:context_link;itc:0;sec:content-canvas\" class=\"link \">retire<\/a> with and without Social Security benefits, regardless of whether you live in a high cost-of-living state or not.<\/p>\n<p class=\"yf-1090901\">Explore More: <a href=\"https:\/\/www.gobankingrates.com\/original-research-center\/?hyperlink_type=manual&amp;utm_term=related_link_1&amp;utm_campaign=1315129&amp;utm_source=yahoo.com&amp;utm_content=2&amp;utm_medium=rss\" rel=\"nofollow noopener\" target=\"_blank\" data-ylk=\"slk:GOBankingRates Original Research Center;elm:context_link;itc:0;sec:content-canvas\" class=\"link \">GOBankingRates Original Research Center<\/a><\/p>\n<p class=\"yf-1090901\">Read Next: <a href=\"https:\/\/www.gobankingrates.com\/saving-money\/car\/cars-that-seem-expensive-but-rarely-need-repairs\/?hyperlink_type=manual&amp;utm_term=related_link_2&amp;utm_campaign=1315129&amp;utm_source=yahoo.com&amp;utm_content=3&amp;utm_medium=rss\" rel=\"nofollow noopener\" target=\"_blank\" data-ylk=\"slk:These Cars May Seem Expensive, but They Rarely Need Repairs;elm:context_link;itc:0;sec:content-canvas\" class=\"link \">These Cars May Seem Expensive, but They Rarely Need Repairs<\/a><\/p>\n<p class=\"yf-1090901\">GOBankingRates reviewed each state\u2019s population ages 65 and over, the cost-of-living index from Q1 of 2025 and the national average costs for retirees. After calculating the average mortgage cost and combining it with the expenditure cost, we found the cost of living for necessities. A 20% buffer was added to this cost to find the cost of a comfortable retirement, ranked from lowest cost to highest.<\/p>\n<p class=\"yf-1090901\">Social Security benefits for a married couple are $2,961 per month, $35,532 per year.<\/p>\n<p>    <img fetchpriority=\"high\" decoding=\"async\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/ywAAAAAAQABAAACAUwAOw==\" alt=\"Davel5957 \/ iStock.com\" loading=\"eager\" height=\"380\" width=\"675\" class=\"yf-1gfnohs loader\"\/> Davel5957 \/ iStock.com          <\/p>\n<p class=\"yf-1090901\">West Virginia is the most affordable state for a comfortable retirement. A couple with Social Security will spend $2,032 annually to fund their retirement.<\/p>\n<p class=\"yf-1090901\">It costs less than $5,000 annually for a couple to retire comfortably in the top five states. In ranking order, they are West Virginia ($2,032), Mississippi ($2,917), Arkansas ($4,264), Louisiana ($4,626) and Oklahoma ($4,976).<\/p>\n<p class=\"yf-1090901\">Retirees need six figures to comfortably retire in Hawaii without Social Security. The total annual cost, without benefits, is $109,863.<\/p>\n<p class=\"yf-1090901\">There are 14 states where couples can retire with Social Security for less than $10,000 annually: West Virginia, Mississippi, Arkansas, Louisiana, Oklahoma, Kentucky, Alabama, Iowa, Kansas, Missouri, Michigan, Indiana, Ohio and Nebraska.<\/p>\n<p class=\"yf-1090901\">Ranked from states with the lowest to highest retirement costs, <a href=\"https:\/\/www.gobankingrates.com\/retirement\/planning\/how-much-a-comfortable-retirement-will-cost-you-in-each-state\/?hyperlink_type=manual&amp;utm_term=incontent_link_2&amp;utm_campaign=1315129&amp;utm_source=yahoo.com&amp;utm_content=4&amp;utm_medium=rss\" rel=\"nofollow noopener\" target=\"_blank\" data-ylk=\"slk:here\u2019s how much a comfortable retirement costs in 2025;elm:context_link;itc:0;sec:content-canvas\" class=\"link \">here\u2019s how much a comfortable retirement costs in 2025<\/a>.<\/p>\n<p class=\"yf-1090901\">Learn More: <a href=\"https:\/\/www.gobankingrates.com\/retirement\/401k\/retirement-account-could-cut-taxes-forever-according-to-cfp\/?hyperlink_type=manual&amp;utm_term=related_link_3&amp;utm_campaign=1315129&amp;utm_source=yahoo.com&amp;utm_content=5&amp;utm_medium=rss\" rel=\"nofollow noopener\" target=\"_blank\" data-ylk=\"slk:Here\u2019s Why You Might Want To Invest Your Retirement Savings in a Roth 401(k);elm:context_link;itc:0;sec:content-canvas\" class=\"link \">Here\u2019s Why You Might Want To Invest Your Retirement Savings in a Roth 401(k)<\/a><\/p>\n<p class=\"yf-1090901\">That\u2019s Interesting: <a href=\"https:\/\/www.gobankingrates.com\/taxes\/tax-laws\/estate-planning-secret-irs-doesnt-want-you-to-know-according-to-john-liang\/?hyperlink_type=manual&amp;utm_term=related_link_4&amp;utm_campaign=1315129&amp;utm_source=yahoo.com&amp;utm_content=6&amp;utm_medium=rss\" rel=\"nofollow noopener\" target=\"_blank\" data-ylk=\"slk:The Estate Planning Secret the IRS Doesn\u2019t Want You To Know, According To John Liang;elm:context_link;itc:0;sec:content-canvas\" class=\"link \">The Estate Planning Secret the IRS Doesn\u2019t Want You To Know, According To John Liang<\/a><\/p>\n<p>    <img decoding=\"async\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/ywAAAAAAQABAAACAUwAOw==\" alt=\"DavidByronKeener \/ iStock.com\" loading=\"lazy\" height=\"380\" width=\"675\" class=\"yf-1gfnohs loader\"\/> DavidByronKeener \/ iStock.com          <\/p>\n<p class=\"yf-1090901\">Comfortable retirement cost for two annually (without Social Security): $37,562<\/p>\n<p class=\"yf-1090901\">Comfortable retirement cost for two annually (with Social Security): $2,032<\/p>\n<p class=\"yf-1090901\">Annual cost of necessities: $31,302<\/p>\n<p class=\"yf-1090901\">Average monthly mortgage: $882<\/p>\n<p class=\"yf-1090901\">View More: <a href=\"https:\/\/www.gobankingrates.com\/retirement\/planning\/i-asked-chatgpt-what-trumps-big-beautiful-bill-means-for-retirees-taxes\/?hyperlink_type=manual&amp;utm_term=related_link_5&amp;utm_campaign=1315129&amp;utm_source=yahoo.com&amp;utm_content=7&amp;utm_medium=rss\" rel=\"nofollow noopener\" target=\"_blank\" data-ylk=\"slk:I Asked ChatGPT What Trump\u2019s \u2018Big Beautiful Bill\u2019 Means for Retirees\u2019 Taxes: Here\u2019s What It Said;elm:context_link;itc:0;sec:content-canvas\" class=\"link \">I Asked ChatGPT What Trump\u2019s \u2018Big Beautiful Bill\u2019 Means for Retirees\u2019 Taxes: Here\u2019s What It Said<\/a><\/p>\n<p>    <img decoding=\"async\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/ywAAAAAAQABAAACAUwAOw==\" alt=\"DenisTangneyJr \/ Getty Images\" loading=\"lazy\" height=\"380\" width=\"675\" class=\"yf-1gfnohs loader\"\/> DenisTangneyJr \/ Getty Images          <\/p>\n<p class=\"yf-1090901\">Comfortable retirement cost for two annually (without Social Security): $38,448<\/p>\n<p class=\"yf-1090901\">Comfortable retirement cost for two annually (with Social Security): $2,917<\/p>\n<p class=\"yf-1090901\">Annual cost of necessities: $32,040<\/p>\n<p class=\"yf-1090901\">Average monthly mortgage: $972<\/p>\n<p>      <img decoding=\"async\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/ywAAAAAAQABAAACAUwAOw==\" alt=\"dlewis33 \/ Getty Images\/iStockphoto\" loading=\"lazy\" height=\"380\" width=\"675\" class=\"yf-1gfnohs loader\"\/> dlewis33 \/ Getty Images\/iStockphoto          <\/p>\n<p class=\"yf-1090901\">Comfortable retirement cost for two annually (without Social Security): $39,795<\/p>\n<p class=\"yf-1090901\">Comfortable retirement cost for two annually (with Social Security): $4,264<\/p>\n<p class=\"yf-1090901\">Annual cost of necessities: $33,162<\/p>\n<p class=\"yf-1090901\">Average monthly mortgage: $1,117<\/p>\n<p> Story Continues  <\/p>\n<p>   <img decoding=\"async\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/ywAAAAAAQABAAACAUwAOw==\" alt=\"Davel5957 \/ Getty Images\" loading=\"lazy\" height=\"380\" width=\"675\" class=\"yf-1gfnohs loader\"\/> Davel5957 \/ Getty Images      <\/p>\n<p class=\"yf-1090901\">Comfortable retirement cost for two annually (without Social Security): $40,156<\/p>\n<p class=\"yf-1090901\">Comfortable retirement cost for two annually (with Social Security): $4,626<\/p>\n<p class=\"yf-1090901\">Annual cost of necessities: $33,464<\/p>\n<p class=\"yf-1090901\">Average monthly mortgage: $1,087<\/p>\n<p>    <img decoding=\"async\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/ywAAAAAAQABAAACAUwAOw==\" alt=\"Davel5957 \/ Getty Images\" loading=\"lazy\" height=\"380\" width=\"675\" class=\"yf-1gfnohs loader\"\/> Davel5957 \/ Getty Images      <\/p>\n<p class=\"yf-1090901\">Comfortable retirement cost for two annually (without Social Security): $40,506<\/p>\n<p class=\"yf-1090901\">Comfortable retirement cost for two annually (with Social Security): $4,976<\/p>\n<p class=\"yf-1090901\">Annual cost of necessities: $33,755<\/p>\n<p class=\"yf-1090901\">Average monthly mortgage: $1,116<\/p>\n<p>    <img decoding=\"async\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/ywAAAAAAQABAAACAUwAOw==\" alt=\"jfrielmoore \/ Getty Images\/iStockphoto\" loading=\"lazy\" height=\"380\" width=\"675\" class=\"yf-1gfnohs loader\"\/> jfrielmoore \/ Getty Images\/iStockphoto      <\/p>\n<p class=\"yf-1090901\">Comfortable retirement cost for two annually (without Social Security): $41,127<\/p>\n<p class=\"yf-1090901\">Comfortable retirement cost for two annually (with Social Security): $5,597<\/p>\n<p class=\"yf-1090901\">Annual cost of necessities: $34,273<\/p>\n<p class=\"yf-1090901\">Average monthly mortgage: $1,145<\/p>\n<p class=\"yf-1090901\">Check Out: <a href=\"https:\/\/www.gobankingrates.com\/retirement\/planning\/americas-fastest-growing-retirement-boomtowns\/?hyperlink_type=manual&amp;utm_term=related_link_6&amp;utm_campaign=1315129&amp;utm_source=yahoo.com&amp;utm_content=8&amp;utm_medium=rss\" rel=\"nofollow noopener\" target=\"_blank\" data-ylk=\"slk:America\u2019s 50 Fastest-Growing Retirement Boomtowns;elm:context_link;itc:0;sec:content-canvas\" class=\"link \">America\u2019s 50 Fastest-Growing Retirement Boomtowns<\/a><\/p>\n<p>  <img decoding=\"async\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/ywAAAAAAQABAAACAUwAOw==\" alt=\"SeanPavonePhoto \/ Getty Images\/iStockphoto\" loading=\"lazy\" height=\"380\" width=\"675\" class=\"yf-1gfnohs loader\"\/> SeanPavonePhoto \/ Getty Images\/iStockphoto      <\/p>\n<p class=\"yf-1090901\">Comfortable retirement cost for two annually (without Social Security): $41,773<\/p>\n<p class=\"yf-1090901\">Comfortable retirement cost for two annually (with Social Security): $6,242<\/p>\n<p class=\"yf-1090901\">Annual cost of necessities: $34,811<\/p>\n<p class=\"yf-1090901\">Average monthly mortgage: $1,187<\/p>\n<p>    <img decoding=\"async\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/ywAAAAAAQABAAACAUwAOw==\" alt=\"DenisTangneyJr \/ Getty Images\/iStockphoto\" loading=\"lazy\" height=\"380\" width=\"675\" class=\"yf-1gfnohs loader\"\/> DenisTangneyJr \/ Getty Images\/iStockphoto      <\/p>\n<p class=\"yf-1090901\">Comfortable retirement cost for two annually (without Social Security): $42,228<\/p>\n<p class=\"yf-1090901\">Comfortable retirement cost for two annually (with Social Security): $6,697<\/p>\n<p class=\"yf-1090901\">Annual cost of necessities: $35,190<\/p>\n<p class=\"yf-1090901\">Average monthly mortgage: $1,211<\/p>\n<p>    <img decoding=\"async\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/ywAAAAAAQABAAACAUwAOw==\" alt=\"Sean Pavone \/ Getty Images\/iStockphoto\" loading=\"lazy\" height=\"380\" width=\"675\" class=\"yf-1gfnohs loader\"\/> Sean Pavone \/ Getty Images\/iStockphoto      <\/p>\n<p class=\"yf-1090901\">Comfortable retirement cost for two annually (without Social Security): $43,571<\/p>\n<p class=\"yf-1090901\">Comfortable retirement cost for two annually (with Social Security): $8,040<\/p>\n<p class=\"yf-1090901\">Annual cost of necessities: $36,309<\/p>\n<p class=\"yf-1090901\">Average monthly mortgage: $1,242<\/p>\n<p>    <img decoding=\"async\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/ywAAAAAAQABAAACAUwAOw==\" alt=\"Art Wager \/ iStock.com\" loading=\"lazy\" height=\"380\" width=\"675\" class=\"yf-1gfnohs loader\"\/> Art Wager \/ iStock.com      <\/p>\n<p class=\"yf-1090901\">Comfortable retirement cost for two annually (without Social Security): $43,714<\/p>\n<p class=\"yf-1090901\">Comfortable retirement cost for two annually (with Social Security): $8,183<\/p>\n<p class=\"yf-1090901\">Annual cost of necessities: $36,428<\/p>\n<p class=\"yf-1090901\">Average monthly mortgage: $1,347<\/p>\n<p>    <img decoding=\"async\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/ywAAAAAAQABAAACAUwAOw==\" alt=\"ehrlif \/ Getty Images\/iStockphoto\" loading=\"lazy\" height=\"380\" width=\"675\" class=\"yf-1gfnohs loader\"\/> ehrlif \/ Getty Images\/iStockphoto      <\/p>\n<p class=\"yf-1090901\">Comfortable retirement cost for two annually (without Social Security): $44,025<\/p>\n<p class=\"yf-1090901\">Comfortable retirement cost for two annually (with Social Security): $8,494<\/p>\n<p class=\"yf-1090901\">Annual cost of necessities: $36,687<\/p>\n<p class=\"yf-1090901\">Average monthly mortgage: $1,325<\/p>\n<p class=\"yf-1090901\">Discover Next: <a href=\"https:\/\/www.gobankingrates.com\/retirement\/planning\/best-retirement-towns-youve-never-heard-of-but-should-consider-in-2025\/?hyperlink_type=manual&amp;utm_term=related_link_7&amp;utm_campaign=1315129&amp;utm_source=yahoo.com&amp;utm_content=9&amp;utm_medium=rss\" rel=\"nofollow noopener\" target=\"_blank\" data-ylk=\"slk:The 7 Best Retirement Towns You\u2019ve Never Heard Of (but Should Consider in 2025);elm:context_link;itc:0;sec:content-canvas\" class=\"link \">The 7 Best Retirement Towns You\u2019ve Never Heard Of (but Should Consider in 2025)<\/a><\/p>\n<p>  <img decoding=\"async\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/ywAAAAAAQABAAACAUwAOw==\" alt=\"Geoff Eccles \/ Getty Images\/iStockphoto\" loading=\"lazy\" height=\"380\" width=\"675\" class=\"yf-1gfnohs loader\"\/> Geoff Eccles \/ Getty Images\/iStockphoto      <\/p>\n<p class=\"yf-1090901\">Comfortable retirement cost for two annually (without Social Security): $44,078<\/p>\n<p class=\"yf-1090901\">Comfortable retirement cost for two annually (with Social Security): $8,547<\/p>\n<p class=\"yf-1090901\">Annual cost of necessities: $36,732<\/p>\n<p class=\"yf-1090901\">Average monthly mortgage: $1,304<\/p>\n<p>    <img decoding=\"async\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/ywAAAAAAQABAAACAUwAOw==\" alt=\"PapaBear \/ Getty Images\/iStockphoto\" loading=\"lazy\" height=\"380\" width=\"675\" class=\"yf-1gfnohs loader\"\/> PapaBear \/ Getty Images\/iStockphoto      <\/p>\n<p class=\"yf-1090901\">Comfortable retirement cost for two annually (without Social Security): $44,125<\/p>\n<p class=\"yf-1090901\">Comfortable retirement cost for two annually (with Social Security): $8,594<\/p>\n<p class=\"yf-1090901\">Annual cost of necessities: $36,771<\/p>\n<p class=\"yf-1090901\">Average monthly mortgage: $1,260<\/p>\n<p>    <img decoding=\"async\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/ywAAAAAAQABAAACAUwAOw==\" alt=\"Ultima_Gaina \/ Getty Images\/iStockphoto\" loading=\"lazy\" height=\"380\" width=\"675\" class=\"yf-1gfnohs loader\"\/> Ultima_Gaina \/ Getty Images\/iStockphoto      <\/p>\n<p class=\"yf-1090901\">Comfortable retirement cost for two annually (without Social Security): $45,473<\/p>\n<p class=\"yf-1090901\">Comfortable retirement cost for two annually (with Social Security): $9,943<\/p>\n<p class=\"yf-1090901\">Annual cost of necessities: $37,894<\/p>\n<p class=\"yf-1090901\">Average monthly mortgage: $1,415<\/p>\n<p>    <img decoding=\"async\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/ywAAAAAAQABAAACAUwAOw==\" alt=\"csfotoimages \/ Getty Images\" loading=\"lazy\" height=\"380\" width=\"675\" class=\"yf-1gfnohs loader\"\/> csfotoimages \/ Getty Images      <\/p>\n<p class=\"yf-1090901\">Comfortable retirement cost for two annually (without Social Security): $47,201<\/p>\n<p class=\"yf-1090901\">Comfortable retirement cost for two annually (with Social Security): $11,670<\/p>\n<p class=\"yf-1090901\">Annual cost of necessities: $39,334<\/p>\n<p class=\"yf-1090901\">Average monthly mortgage: $1,472<\/p>\n<p>    <img decoding=\"async\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/ywAAAAAAQABAAACAUwAOw==\" alt=\"Sean Pavone \/ Getty Images\/iStockphoto\" loading=\"lazy\" height=\"380\" width=\"675\" class=\"yf-1gfnohs loader\"\/> Sean Pavone \/ Getty Images\/iStockphoto      <\/p>\n<p class=\"yf-1090901\">Comfortable retirement cost for two annually (without Social Security): $47,287<\/p>\n<p class=\"yf-1090901\">Comfortable retirement cost for two annually (with Social Security): $11,757<\/p>\n<p class=\"yf-1090901\">Annual cost of necessities: $39,406<\/p>\n<p class=\"yf-1090901\">Average monthly mortgage: $1,468<\/p>\n<p class=\"yf-1090901\">Be Aware: <a href=\"https:\/\/www.gobankingrates.com\/retirement\/planning\/cheapest-places-retire\/?hyperlink_type=manual&amp;utm_term=related_link_8&amp;utm_campaign=1315129&amp;utm_source=yahoo.com&amp;utm_content=10&amp;utm_medium=rss\" rel=\"nofollow noopener\" target=\"_blank\" data-ylk=\"slk:50 Cheapest Places To Retire Across America;elm:context_link;itc:0;sec:content-canvas\" class=\"link \">50 Cheapest Places To Retire Across America<\/a><\/p>\n<p>  <img decoding=\"async\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/ywAAAAAAQABAAACAUwAOw==\" alt=\"DenisTangneyJr \/ Getty Images\/iStockphoto\" loading=\"lazy\" height=\"380\" width=\"675\" class=\"yf-1gfnohs loader\"\/> DenisTangneyJr \/ Getty Images\/iStockphoto      <\/p>\n<p class=\"yf-1090901\">Comfortable retirement cost for two annually (without Social Security): $47,726<\/p>\n<p class=\"yf-1090901\">Comfortable retirement cost for two annually (with Social Security): $12,195<\/p>\n<p class=\"yf-1090901\">Annual cost of necessities: $39,772<\/p>\n<p class=\"yf-1090901\">Average monthly mortgage: $1,495<\/p>\n<p>    <img decoding=\"async\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/ywAAAAAAQABAAACAUwAOw==\" alt=\"DenisTangneyJr \/ Getty Images\/iStockphoto\" loading=\"lazy\" height=\"380\" width=\"675\" class=\"yf-1gfnohs loader\"\/> DenisTangneyJr \/ Getty Images\/iStockphoto      <\/p>\n<p class=\"yf-1090901\">Comfortable retirement cost for two annually (without Social Security): $47,753<\/p>\n<p class=\"yf-1090901\">Comfortable retirement cost for two annually (with Social Security): $12,222<\/p>\n<p class=\"yf-1090901\">Annual cost of necessities: $39,794<\/p>\n<p class=\"yf-1090901\">Average monthly mortgage: $1,562<\/p>\n<p>    <img decoding=\"async\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/ywAAAAAAQABAAACAUwAOw==\" alt=\"RoschetzkyIstockPhoto \/ iStock.com\" loading=\"lazy\" height=\"380\" width=\"675\" class=\"yf-1gfnohs loader\"\/> RoschetzkyIstockPhoto \/ iStock.com      <\/p>\n<p class=\"yf-1090901\">Comfortable retirement cost for two annually (without Social Security): $47,978<\/p>\n<p class=\"yf-1090901\">Comfortable retirement cost for two annually (with Social Security): $12,447<\/p>\n<p class=\"yf-1090901\">Annual cost of necessities: $39,982<\/p>\n<p class=\"yf-1090901\">Average monthly mortgage: $1,557<\/p>\n<p>    <img decoding=\"async\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/ywAAAAAAQABAAACAUwAOw==\" alt=\"SeanPavonePhoto \/ Getty Images\/iStockphoto\" loading=\"lazy\" height=\"380\" width=\"675\" class=\"yf-1gfnohs loader\"\/> SeanPavonePhoto \/ Getty Images\/iStockphoto      <\/p>\n<p class=\"yf-1090901\">Comfortable retirement cost for two annually (without Social Security): $48,043<\/p>\n<p class=\"yf-1090901\">Comfortable retirement cost for two annually (with Social Security): $12,513<\/p>\n<p class=\"yf-1090901\">Annual cost of necessities: $40,036<\/p>\n<p class=\"yf-1090901\">Average monthly mortgage: $1,708<\/p>\n<p>    <img decoding=\"async\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/ywAAAAAAQABAAACAUwAOw==\" alt=\"Judd Brotman \/ Getty Images\" loading=\"lazy\" height=\"380\" width=\"675\" class=\"yf-1gfnohs loader\"\/> Judd Brotman \/ Getty Images      <\/p>\n<p class=\"yf-1090901\">Comfortable retirement cost for two annually (without Social Security): $48,946<\/p>\n<p class=\"yf-1090901\">Comfortable retirement cost for two annually (with Social Security): $13,416<\/p>\n<p class=\"yf-1090901\">Annual cost of necessities: $40,789<\/p>\n<p class=\"yf-1090901\">Average monthly mortgage: $1,612<\/p>\n<p class=\"yf-1090901\">View Next: <a href=\"https:\/\/www.gobankingrates.com\/retirement\/planning\/cities-where-you-can-retire-in-great-weather-for-2000-dollars-a-month\/?hyperlink_type=manual&amp;utm_term=related_link_9&amp;utm_campaign=1315129&amp;utm_source=yahoo.com&amp;utm_content=11&amp;utm_medium=rss\" rel=\"nofollow noopener\" target=\"_blank\" data-ylk=\"slk:25 Cities Where You Can Retire in Great Weather for $2,000 a Month;elm:context_link;itc:0;sec:content-canvas\" class=\"link \">25 Cities Where You Can Retire in Great Weather for $2,000 a Month<\/a><\/p>\n<p>  <img decoding=\"async\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/ywAAAAAAQABAAACAUwAOw==\" alt=\"DenisTangneyJr \/ Getty Images\" loading=\"lazy\" height=\"380\" width=\"675\" class=\"yf-1gfnohs loader\"\/> DenisTangneyJr \/ Getty Images      <\/p>\n<p class=\"yf-1090901\">Comfortable retirement cost for two annually (without Social Security): $49,813<\/p>\n<p class=\"yf-1090901\">Comfortable retirement cost for two annually (with Social Security): $14,283<\/p>\n<p class=\"yf-1090901\">Annual cost of necessities: $41,511<\/p>\n<p class=\"yf-1090901\">Average monthly mortgage: $1,637<\/p>\n<p>    <img decoding=\"async\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/ywAAAAAAQABAAACAUwAOw==\" alt=\"Nate Hovee \/ Getty Images\/iStockphoto\" loading=\"lazy\" height=\"380\" width=\"675\" class=\"yf-1gfnohs loader\"\/> Nate Hovee \/ Getty Images\/iStockphoto      <\/p>\n<p class=\"yf-1090901\">Comfortable retirement cost for two annually (without Social Security): $50,374<\/p>\n<p class=\"yf-1090901\">Comfortable retirement cost for two annually (with Social Security): $14,843<\/p>\n<p class=\"yf-1090901\">Annual cost of necessities: $41,978<\/p>\n<p class=\"yf-1090901\">Average monthly mortgage: $1,721<\/p>\n<p>    <img decoding=\"async\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/ywAAAAAAQABAAACAUwAOw==\" alt=\"DenisTangneyJr \/ Getty Images\/iStockphoto\" loading=\"lazy\" height=\"380\" width=\"675\" class=\"yf-1gfnohs loader\"\/> DenisTangneyJr \/ Getty Images\/iStockphoto      <\/p>\n<p class=\"yf-1090901\">Comfortable retirement cost for two annually (without Social Security): $50,654<\/p>\n<p class=\"yf-1090901\">Comfortable retirement cost for two annually (with Social Security): $15,124<\/p>\n<p class=\"yf-1090901\">Annual cost of necessities: $42,212<\/p>\n<p class=\"yf-1090901\">Average monthly mortgage: $1,711<\/p>\n<p>    <img decoding=\"async\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/ywAAAAAAQABAAACAUwAOw==\" alt=\"Jeff Yount \/ iStock.com\" loading=\"lazy\" height=\"380\" width=\"675\" class=\"yf-1gfnohs loader\"\/> Jeff Yount \/ iStock.com      <\/p>\n<p class=\"yf-1090901\">Comfortable retirement cost for two annually (without Social Security): $51,278<\/p>\n<p class=\"yf-1090901\">Comfortable retirement cost for two annually (with Social Security): $15,747<\/p>\n<p class=\"yf-1090901\">Annual cost of necessities: $42,732<\/p>\n<p class=\"yf-1090901\">Average monthly mortgage: $1,725<\/p>\n<p>    <img decoding=\"async\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/ywAAAAAAQABAAACAUwAOw==\" alt=\"undefined undefined \/ Getty Images\/iStockphoto\" loading=\"lazy\" height=\"380\" width=\"675\" class=\"yf-1gfnohs loader\"\/> undefined undefined \/ Getty Images\/iStockphoto      <\/p>\n<p class=\"yf-1090901\">Comfortable retirement cost for two annually (without Social Security): $52,293<\/p>\n<p class=\"yf-1090901\">Comfortable retirement cost for two annually (with Social Security): $16,762<\/p>\n<p class=\"yf-1090901\">Annual cost of necessities: $43,578<\/p>\n<p class=\"yf-1090901\">Average monthly mortgage: $1,884<\/p>\n<p class=\"yf-1090901\">For You: <a href=\"https:\/\/www.gobankingrates.com\/retirement\/planning\/affordable-small-cities-to-retire-on-the-east-coast\/?hyperlink_type=manual&amp;utm_term=related_link_10&amp;utm_campaign=1315129&amp;utm_source=yahoo.com&amp;utm_content=12&amp;utm_medium=rss\" rel=\"nofollow noopener\" target=\"_blank\" data-ylk=\"slk:21 Affordable Small Cities To Retire on the East Coast;elm:context_link;itc:0;sec:content-canvas\" class=\"link \">21 Affordable Small Cities To Retire on the East Coast<\/a><\/p>\n<p>  <img decoding=\"async\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/ywAAAAAAQABAAACAUwAOw==\" alt=\"Jacob Boomsma \/ Getty Images\/iStockphoto\" loading=\"lazy\" height=\"380\" width=\"675\" class=\"yf-1gfnohs loader\"\/> Jacob Boomsma \/ Getty Images\/iStockphoto      <\/p>\n<p class=\"yf-1090901\">Comfortable retirement cost for two annually (without Social Security): $52,436<\/p>\n<p class=\"yf-1090901\">Comfortable retirement cost for two annually (with Social Security): $16,905<\/p>\n<p class=\"yf-1090901\">Annual cost of necessities: $43,696<\/p>\n<p class=\"yf-1090901\">Average monthly mortgage: $1,829<\/p>\n<p>    <img decoding=\"async\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/ywAAAAAAQABAAACAUwAOw==\" alt=\"felixmizioznikov \/ Getty Images\" loading=\"lazy\" height=\"380\" width=\"675\" class=\"yf-1gfnohs loader\"\/> felixmizioznikov \/ Getty Images      <\/p>\n<p class=\"yf-1090901\">Comfortable retirement cost for two annually (without Social Security): $55,206<\/p>\n<p class=\"yf-1090901\">Comfortable retirement cost for two annually (with Social Security): $19,676<\/p>\n<p class=\"yf-1090901\">Annual cost of necessities: $46,005<\/p>\n<p class=\"yf-1090901\">Average monthly mortgage: $2,054<\/p>\n<p>    <img decoding=\"async\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/ywAAAAAAQABAAACAUwAOw==\" alt=\"DenisTangneyJr \/ Getty Images\" loading=\"lazy\" height=\"380\" width=\"675\" class=\"yf-1gfnohs loader\"\/> DenisTangneyJr \/ Getty Images      <\/p>\n<p class=\"yf-1090901\">Comfortable retirement cost for two annually (without Social Security): $56,566<\/p>\n<p class=\"yf-1090901\">Comfortable retirement cost for two annually (with Social Security): $21,036<\/p>\n<p class=\"yf-1090901\">Annual cost of necessities: $47,138<\/p>\n<p class=\"yf-1090901\">Average monthly mortgage: $2,065<\/p>\n<p>    <img decoding=\"async\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/ywAAAAAAQABAAACAUwAOw==\" alt=\"DenisTangneyJr \/ Getty Images\/iStockphoto\" loading=\"lazy\" height=\"380\" width=\"675\" class=\"yf-1gfnohs loader\"\/> DenisTangneyJr \/ Getty Images\/iStockphoto      <\/p>\n<p class=\"yf-1090901\">Comfortable retirement cost for two annually (without Social Security): $57,115<\/p>\n<p class=\"yf-1090901\">Comfortable retirement cost for two annually (with Social Security): $21,584<\/p>\n<p class=\"yf-1090901\">Annual cost of necessities: $47,596<\/p>\n<p class=\"yf-1090901\">Average monthly mortgage: $2,126<\/p>\n<p>    <img decoding=\"async\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/ywAAAAAAQABAAACAUwAOw==\" alt=\"miroslav_1 \/ iStock.com\" loading=\"lazy\" height=\"380\" width=\"675\" class=\"yf-1gfnohs loader\"\/> miroslav_1 \/ iStock.com      <\/p>\n<p class=\"yf-1090901\">Comfortable retirement cost for two annually (without Social Security): $58,052<\/p>\n<p class=\"yf-1090901\">Comfortable retirement cost for two annually (with Social Security): $22,521<\/p>\n<p class=\"yf-1090901\">Annual cost of necessities: $48,377<\/p>\n<p class=\"yf-1090901\">Average monthly mortgage: $2,221<\/p>\n<p class=\"yf-1090901\">Find Out: <a href=\"https:\/\/www.gobankingrates.com\/retirement\/planning\/ways-trumps-big-beautiful-bill-will-change-how-plan-for-retirement\/?hyperlink_type=manual&amp;utm_term=related_link_11&amp;utm_campaign=1315129&amp;utm_source=yahoo.com&amp;utm_content=13&amp;utm_medium=rss\" rel=\"nofollow noopener\" target=\"_blank\" data-ylk=\"slk:4 Ways Trump\u2019s Big Beautiful Bill Will Change How You Plan for Retirement;elm:context_link;itc:0;sec:content-canvas\" class=\"link \">4 Ways Trump\u2019s Big Beautiful Bill Will Change How You Plan for Retirement<\/a><\/p>\n<p>  <img decoding=\"async\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/ywAAAAAAQABAAACAUwAOw==\" alt=\"DenisTangneyJr \/ Getty Images\/iStockphoto\" loading=\"lazy\" height=\"380\" width=\"675\" class=\"yf-1gfnohs loader\"\/> DenisTangneyJr \/ Getty Images\/iStockphoto      <\/p>\n<p class=\"yf-1090901\">Comfortable retirement cost for two annually (without Social Security): $58,987<\/p>\n<p class=\"yf-1090901\">Comfortable retirement cost for two annually (with Social Security): $23,456<\/p>\n<p class=\"yf-1090901\">Annual cost of necessities: $49,156<\/p>\n<p class=\"yf-1090901\">Average monthly mortgage cost: $2,106<\/p>\n<p>    <img decoding=\"async\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/ywAAAAAAQABAAACAUwAOw==\" alt=\"kyletperry \/ Getty Images\/iStockphoto\" loading=\"lazy\" height=\"380\" width=\"675\" class=\"yf-1gfnohs loader\"\/> kyletperry \/ Getty Images\/iStockphoto      <\/p>\n<p class=\"yf-1090901\">Comfortable retirement cost for two annually (without Social Security): $59,716<\/p>\n<p class=\"yf-1090901\">Comfortable retirement cost for two annually (with Social Security): $24,186<\/p>\n<p class=\"yf-1090901\">Annual cost of necessities: $49,763<\/p>\n<p class=\"yf-1090901\">Average monthly mortgage: $2,122<\/p>\n<p>    <img decoding=\"async\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/ywAAAAAAQABAAACAUwAOw==\" alt=\"photoquest7 \/ Getty Images\/iStockphoto\" loading=\"lazy\" height=\"380\" width=\"675\" class=\"yf-1gfnohs loader\"\/> photoquest7 \/ Getty Images\/iStockphoto      <\/p>\n<p class=\"yf-1090901\">Comfortable retirement cost for two annually (without Social Security): $59,742<\/p>\n<p class=\"yf-1090901\">Comfortable retirement cost for two annually (with Social Security): $24,212<\/p>\n<p class=\"yf-1090901\">Annual cost of necessities: $49,785<\/p>\n<p class=\"yf-1090901\">Average monthly mortgage: $2,399<\/p>\n<p>    <img decoding=\"async\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/ywAAAAAAQABAAACAUwAOw==\" alt=\"constantgardener \/ Getty Images\" loading=\"lazy\" height=\"380\" width=\"675\" class=\"yf-1gfnohs loader\"\/> constantgardener \/ Getty Images      <\/p>\n<p class=\"yf-1090901\">Comfortable retirement cost for two annually (without Social Security): $60,120<\/p>\n<p class=\"yf-1090901\">Comfortable retirement cost for two annually (with Social Security): $24,590<\/p>\n<p class=\"yf-1090901\">Annual cost of necessities: $50,100<\/p>\n<p class=\"yf-1090901\">Average monthly mortgage: $2,377<\/p>\n<p>    <img decoding=\"async\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/ywAAAAAAQABAAACAUwAOw==\" alt=\"knowlesgallery \/ Getty Images\/iStockphoto\" loading=\"lazy\" height=\"380\" width=\"675\" class=\"yf-1gfnohs loader\"\/> knowlesgallery \/ Getty Images\/iStockphoto      <\/p>\n<p class=\"yf-1090901\">Comfortable retirement cost for two annually (without Social Security): $60,359<\/p>\n<p class=\"yf-1090901\">Comfortable retirement cost for two annually (with Social Security): $24,828<\/p>\n<p class=\"yf-1090901\">Annual cost of necessities: $50,299<\/p>\n<p class=\"yf-1090901\">Average monthly mortgage: $2,408<\/p>\n<p class=\"yf-1090901\">That\u2019s Interesting: <a href=\"https:\/\/www.gobankingrates.com\/retirement\/planning\/key-signs-youll-run-out-of-retirement-funds-too-early\/?hyperlink_type=manual&amp;utm_term=related_link_12&amp;utm_campaign=1315129&amp;utm_source=yahoo.com&amp;utm_content=14&amp;utm_medium=rss\" rel=\"nofollow noopener\" target=\"_blank\" data-ylk=\"slk:6 Key Signs You\u2019ll Run Out of Retirement Funds Too Early;elm:context_link;itc:0;sec:content-canvas\" class=\"link \">6 Key Signs You\u2019ll Run Out of Retirement Funds Too Early<\/a><\/p>\n<p>  <img decoding=\"async\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/ywAAAAAAQABAAACAUwAOw==\" alt=\"krblokhin \/ Getty Images\/iStockphoto\" loading=\"lazy\" height=\"380\" width=\"675\" class=\"yf-1gfnohs loader\"\/> krblokhin \/ Getty Images\/iStockphoto      <\/p>\n<p class=\"yf-1090901\">Comfortable retirement cost for two annually (without Social Security): $61,073<\/p>\n<p class=\"yf-1090901\">Comfortable retirement cost for two annually (with Social Security): $25,543<\/p>\n<p class=\"yf-1090901\">Annual cost of necessities: $50,894<\/p>\n<p class=\"yf-1090901\">Average monthly mortgage: $2,298<\/p>\n<p>    <img decoding=\"async\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/ywAAAAAAQABAAACAUwAOw==\" alt=\"Ron and Patty Thomas \/ Getty Images\/iStockphoto\" loading=\"lazy\" height=\"380\" width=\"675\" class=\"yf-1gfnohs loader\"\/> Ron and Patty Thomas \/ Getty Images\/iStockphoto      <\/p>\n<p class=\"yf-1090901\">Comfortable retirement cost for two annually (without Social Security): $63,868<\/p>\n<p class=\"yf-1090901\">Comfortable retirement cost for two annually (with Social Security): $28,337<\/p>\n<p class=\"yf-1090901\">Annual cost of necessities: $53,223<\/p>\n<p class=\"yf-1090901\">Average monthly mortgage: $2,378<\/p>\n<p>    <img decoding=\"async\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/ywAAAAAAQABAAACAUwAOw==\" alt=\"Davel5957 \/ Getty Images\/iStockphoto\" loading=\"lazy\" height=\"380\" width=\"675\" class=\"yf-1gfnohs loader\"\/> Davel5957 \/ Getty Images\/iStockphoto      <\/p>\n<p class=\"yf-1090901\">Comfortable retirement cost for two annually (without Social Security): $63,881<\/p>\n<p class=\"yf-1090901\">Comfortable retirement cost for two annually (with Social Security): $28,350<\/p>\n<p class=\"yf-1090901\">Annual cost of necessities: $53,234<\/p>\n<p class=\"yf-1090901\">Average monthly mortgage: $2,495<\/p>\n<p>    <img decoding=\"async\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/ywAAAAAAQABAAACAUwAOw==\" alt=\"wanderluster \/ Getty Images\" loading=\"lazy\" height=\"380\" width=\"675\" class=\"yf-1gfnohs loader\"\/> wanderluster \/ Getty Images      <\/p>\n<p class=\"yf-1090901\">Comfortable retirement cost for two annually (without Social Security): $63,955<\/p>\n<p class=\"yf-1090901\">Comfortable retirement cost for two annually (with Social Security): $28,424<\/p>\n<p class=\"yf-1090901\">Annual cost of necessities: $53,296<\/p>\n<p class=\"yf-1090901\">Average monthly mortgage: $2,043<\/p>\n<p>    <img decoding=\"async\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/ywAAAAAAQABAAACAUwAOw==\" alt=\"benedek \/ Getty Images\" loading=\"lazy\" height=\"380\" width=\"675\" class=\"yf-1gfnohs loader\"\/> benedek \/ Getty Images      <\/p>\n<p class=\"yf-1090901\">Comfortable retirement cost for two annually (without Social Security): $64,455<\/p>\n<p class=\"yf-1090901\">Comfortable retirement cost for two annually (with Social Security): $28,925<\/p>\n<p class=\"yf-1090901\">Annual cost of necessities: $53,713<\/p>\n<p class=\"yf-1090901\">Average monthly mortgage: $2,779<\/p>\n<p class=\"yf-1090901\">Trending Now: <a href=\"https:\/\/www.gobankingrates.com\/retirement\/planning\/i-asked-chatgpt-when-i-could-retire\/?hyperlink_type=manual&amp;utm_term=related_link_13&amp;utm_campaign=1315129&amp;utm_source=yahoo.com&amp;utm_content=15&amp;utm_medium=rss\" rel=\"nofollow noopener\" target=\"_blank\" data-ylk=\"slk:I Asked ChatGPT When I Could Retire \u2014 I Couldn\u2019t Believe the Answer;elm:context_link;itc:0;sec:content-canvas\" class=\"link \">I Asked ChatGPT When I Could Retire \u2014 I Couldn\u2019t Believe the Answer<\/a><\/p>\n<p>  <img decoding=\"async\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/ywAAAAAAQABAAACAUwAOw==\" alt=\"DenisTangneyJr \/ Getty Images\/iStockphoto\" loading=\"lazy\" height=\"380\" width=\"675\" class=\"yf-1gfnohs loader\"\/> DenisTangneyJr \/ Getty Images\/iStockphoto      <\/p>\n<p class=\"yf-1090901\">Comfortable retirement cost for two annually (without Social Security): $65,223<\/p>\n<p class=\"yf-1090901\">Comfortable retirement cost for two annually (with Social Security): $29,692<\/p>\n<p class=\"yf-1090901\">Annual cost of necessities: $54,352<\/p>\n<p class=\"yf-1090901\">Average monthly mortgage: $2,588<\/p>\n<p>    <img decoding=\"async\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/ywAAAAAAQABAAACAUwAOw==\" alt=\"benedek \/ Getty Images\" loading=\"lazy\" height=\"380\" width=\"675\" class=\"yf-1gfnohs loader\"\/> benedek \/ Getty Images      <\/p>\n<p class=\"yf-1090901\">Comfortable retirement cost for two annually (without Social Security): $66,829<\/p>\n<p class=\"yf-1090901\">Comfortable retirement cost for two annually (with Social Security): $31,299<\/p>\n<p class=\"yf-1090901\">Average monthly mortgage: $2,615<\/p>\n<p class=\"yf-1090901\">Annual cost of necessities: $55,691<\/p>\n<p>    <img decoding=\"async\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/ywAAAAAAQABAAACAUwAOw==\" alt=\"DenisTangneyJr \/ Getty Images\" loading=\"lazy\" height=\"380\" width=\"675\" class=\"yf-1gfnohs loader\"\/> DenisTangneyJr \/ Getty Images      <\/p>\n<p class=\"yf-1090901\">Comfortable retirement cost for two annually (without Social Security): $66,945<\/p>\n<p class=\"yf-1090901\">Comfortable retirement cost for two annually (with Social Security): $31,415<\/p>\n<p class=\"yf-1090901\">Annual cost of necessities: $55,788<\/p>\n<p class=\"yf-1090901\">Average monthly mortgage: $2,706<\/p>\n<p>    <img decoding=\"async\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/ywAAAAAAQABAAACAUwAOw==\" alt=\"Jonathan Ross \/ Getty Images\/iStockphoto\" loading=\"lazy\" height=\"380\" width=\"675\" class=\"yf-1gfnohs loader\"\/> Jonathan Ross \/ Getty Images\/iStockphoto      <\/p>\n<p class=\"yf-1090901\">Comfortable retirement cost for two annually (without Social Security): $67,833<\/p>\n<p class=\"yf-1090901\">Comfortable retirement cost for two annually (with Social Security): $32,303<\/p>\n<p class=\"yf-1090901\">Annual cost of necessities: $56,528<\/p>\n<p class=\"yf-1090901\">Average monthly mortgage: $2,869<\/p>\n<p>    <img decoding=\"async\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/ywAAAAAAQABAAACAUwAOw==\" alt=\"DenisTangneyJr \/ Getty Images\/iStockphoto\" loading=\"lazy\" height=\"380\" width=\"675\" class=\"yf-1gfnohs loader\"\/> DenisTangneyJr \/ Getty Images\/iStockphoto      <\/p>\n<p class=\"yf-1090901\">Comfortable retirement cost for two annually (without Social Security): $70,697<\/p>\n<p class=\"yf-1090901\">Comfortable retirement cost for two annually (with Social Security): $35,167<\/p>\n<p class=\"yf-1090901\">Annual cost of necessities: $58,914<\/p>\n<p class=\"yf-1090901\">Average monthly mortgage: $3,004<\/p>\n<p class=\"yf-1090901\">Explore Next: <a href=\"https:\/\/www.gobankingrates.com\/retirement\/planning\/retirement-expenses-boomers-didnt-plan-for-should-have\/?hyperlink_type=manual&amp;utm_term=related_link_14&amp;utm_campaign=1315129&amp;utm_source=yahoo.com&amp;utm_content=16&amp;utm_medium=rss\" rel=\"nofollow noopener\" target=\"_blank\" data-ylk=\"slk:4 Retirement Expenses Boomers Didn\u2019t Plan for \u2014 but Should Have;elm:context_link;itc:0;sec:content-canvas\" class=\"link \">4 Retirement Expenses Boomers Didn\u2019t Plan for \u2014 but Should Have<\/a><\/p>\n<p>  <img decoding=\"async\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/ywAAAAAAQABAAACAUwAOw==\" alt=\"Yan Lu \/ Getty Images\/iStockphoto\" loading=\"lazy\" height=\"380\" width=\"675\" class=\"yf-1gfnohs loader\"\/> Yan Lu \/ Getty Images\/iStockphoto      <\/p>\n<p class=\"yf-1090901\">Comfortable retirement cost for two annually (without Social Security): $74,631<\/p>\n<p class=\"yf-1090901\">Comfortable retirement cost for two annually (with Social Security): $39,100<\/p>\n<p class=\"yf-1090901\">Annual cost of necessities: $62,192<\/p>\n<p class=\"yf-1090901\">Average monthly mortgage: $3,168<\/p>\n<p>    <img decoding=\"async\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/ywAAAAAAQABAAACAUwAOw==\" alt=\"peterspiro \/ Getty Images\/iStockphoto\" loading=\"lazy\" height=\"380\" width=\"675\" class=\"yf-1gfnohs loader\"\/> peterspiro \/ Getty Images\/iStockphoto      <\/p>\n<p class=\"yf-1090901\">Comfortable retirement cost for two annually (without Social Security): $83,407<\/p>\n<p class=\"yf-1090901\">Comfortable retirement cost for two annually (with Social Security): $47,876<\/p>\n<p class=\"yf-1090901\">Annual cost of necessities: $69,506<\/p>\n<p class=\"yf-1090901\">Average monthly mortgage: $3,479<\/p>\n<p>    <img decoding=\"async\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/ywAAAAAAQABAAACAUwAOw==\" alt=\"DenisTangneyJr \/ Getty Images\/iStockphoto\" loading=\"lazy\" height=\"380\" width=\"675\" class=\"yf-1gfnohs loader\"\/> DenisTangneyJr \/ Getty Images\/iStockphoto      <\/p>\n<p class=\"yf-1090901\">Comfortable retirement cost for two annually (without Social Security): $90,110<\/p>\n<p class=\"yf-1090901\">Comfortable retirement cost for two annually (with Social Security): $54,579<\/p>\n<p class=\"yf-1090901\">Annual cost of necessities: $75,091<\/p>\n<p class=\"yf-1090901\">Average monthly mortgage: $4,069<\/p>\n<p>    <img decoding=\"async\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/ywAAAAAAQABAAACAUwAOw==\" alt=\"Art Wager \/ Getty Images\" loading=\"lazy\" height=\"380\" width=\"675\" class=\"yf-1gfnohs loader\"\/> Art Wager \/ Getty Images      <\/p>\n<p class=\"yf-1090901\">Comfortable retirement cost for two annually (without Social Security): $109,863<\/p>\n<p class=\"yf-1090901\">Comfortable retirement cost for two annually (with Social Security): $74,333<\/p>\n<p class=\"yf-1090901\">Annual cost of necessities: $91,553<\/p>\n<p class=\"yf-1090901\">Average monthly mortgage: $4,943<\/p>\n<p class=\"yf-1090901\">Review more original studies and surveys in the <a href=\"https:\/\/www.gobankingrates.com\/original-research-center\/?hyperlink_type=manual&amp;utm_term=incontent_link_3&amp;utm_campaign=1315129&amp;utm_source=yahoo.com&amp;utm_content=17&amp;utm_medium=rss\" rel=\"nofollow noopener\" target=\"_blank\" data-ylk=\"slk:GOBankingRates original research center;elm:context_link;itc:0;sec:content-canvas\" class=\"link \">GOBankingRates original research center<\/a>.<\/p>\n<p class=\"yf-1090901\">Methodology: To find the comfortable cost of retirement in each state, GOBankingRates analyzed each state to find total population, population ages 65 and over and total households \u2014 all sourced from the U.S. Census 2023 American Community Survey. The cost-of-living indexes from Q1 2025 were sourced from Missouri Economic and Research Information Center and the national average expenditures for retirees were sourced from the Bureau of Labor Statistics Consumer Expenditure Survey for retired consumer units; the average expenditure cost was then calculated for each location. The average home value was sourced from the July 2025 Zillow Home Value Index, and the national average 30-year fixed mortgage rate of 6.58% was sourced from the Federal Reserve Economic Data on Aug. 27. The average mortgage cost was then calculated. Using the average mortgage and expenditure cost, the necessities cost was calculated. To find the cost of a comfortable retirement, a 20% buffer was added to the necessities cost of living in each state. The states were sorted to show the lowest to highest cost of a comfortable retirement. All data was collected on and is up to date as of Aug. 27, 2025.<\/p>\n<p class=\"yf-1090901\">More From GOBankingRates<\/p>\n<p class=\"yf-1090901\">This article originally appeared on <a href=\"https:\/\/www.gobankingrates.com?utm_term=bottom_link&amp;utm_campaign=1315129&amp;utm_source=yahoo.com&amp;utm_content=22&amp;utm_medium=rss\" rel=\"nofollow noopener\" target=\"_blank\" data-ylk=\"slk:GOBankingRates.com;elm:context_link;itc:0;sec:content-canvas\" class=\"link \">GOBankingRates.com<\/a>: <a href=\"https:\/\/www.gobankingrates.com\/retirement\/planning\/how-much-a-comfortable-retirement-will-cost-you-in-each-state-in-2025\/?utm_term=source_link&amp;utm_campaign=1315129&amp;utm_source=yahoo.com&amp;utm_content=23&amp;utm_medium=rss\" rel=\"nofollow noopener\" target=\"_blank\" data-ylk=\"slk:How Much a Comfortable Retirement Will Cost You in Each State in 2025;elm:context_link;itc:0;sec:content-canvas\" class=\"link \">How Much a Comfortable Retirement Will Cost You in Each State in 2025<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"There\u2019s a stark difference between what it means for couples to retire with and without Social Security benefits,&hellip;\n","protected":false},"author":2,"featured_media":139383,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[14],"tags":[64,63,99,186,528,184,185,2310],"class_list":{"0":"post-139382","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-personal-finance","8":"tag-au","9":"tag-australia","10":"tag-business","11":"tag-finance","12":"tag-getty-images","13":"tag-personal-finance","14":"tag-personalfinance","15":"tag-social-security"},"_links":{"self":[{"href":"https:\/\/www.newsbeep.com\/au\/wp-json\/wp\/v2\/posts\/139382","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.newsbeep.com\/au\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.newsbeep.com\/au\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/au\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/au\/wp-json\/wp\/v2\/comments?post=139382"}],"version-history":[{"count":0,"href":"https:\/\/www.newsbeep.com\/au\/wp-json\/wp\/v2\/posts\/139382\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/au\/wp-json\/wp\/v2\/media\/139383"}],"wp:attachment":[{"href":"https:\/\/www.newsbeep.com\/au\/wp-json\/wp\/v2\/media?parent=139382"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.newsbeep.com\/au\/wp-json\/wp\/v2\/categories?post=139382"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.newsbeep.com\/au\/wp-json\/wp\/v2\/tags?post=139382"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}