People have distinct ideas about the best places to retire. For many, it’s about proximity to beaches, lakes, golf courses or grandchildren.

Bankrate took a more pragmatic approach to come up with its latest, more robust, list of best and worst states for retirement. We looked at practical considerations concerning health, safety and costs. We gathered state statistics on cost of living, crime rates, tax rates, access to medical care and average annual temperatures. We then ranked the states from best to worst, with the best being those states with a relatively low cost of living, low crime rates, low tax rates, easy access to medical care and higher-than-average year-round temperatures.

Check out how your state ranks for retirement

State Rank Overall score Hospital beds per 1,000 population* Doctors per 100,000 population Crimes (property & violent) per 100,000 population State and local tax burden** (%) Average temperature (1981-2010) Cost of living (rank from CCER data)
State: Tennessee Rank: 1 Hospital beds per 1,000 population*: 71 Doctors per 100,000 population: 3.30 Doctors per 100,000 population: 263.55 Crimes (property & violent) per 100,000 population: 4,204 State and local tax burden** (%): 7.70 Average temperature (1981-2010): 57.94 Cost of living (rank from CCER data): 2
State: Louisiana Rank: 2 Hospital beds per 1,000 population*: 78 Doctors per 100,000 population: 3.40 Doctors per 100,000 population: 262.66 Crimes (property & violent) per 100,000 population: 4,244 State and local tax burden** (%): 7.80 Average temperature (1981-2010): 66.74 Cost of living (rank from CCER data): 18
State: South Dakota Rank: 3 Hospital beds per 1,000 population*: 84 Doctors per 100,000 population: 5.00 Doctors per 100,000 population: 219.06 Crimes (property & violent) per 100,000 population: 2,072 State and local tax burden** (%): 7.60 Average temperature (1981-2010): 45.55 Cost of living (rank from CCER data): 25
State: Kentucky Rank: 4 Hospital beds per 1,000 population*: 86 Doctors per 100,000 population: 3.30 Doctors per 100,000 population: 232.35 Crimes (property & violent) per 100,000 population: 2,947 State and local tax burden** (%): 9.40 Average temperature (1981-2010): 55.96 Cost of living (rank from CCER data): 5
State: Mississippi Rank: 5 Hospital beds per 1,000 population*: 92 Doctors per 100,000 population: 4.40 Doctors per 100,000 population: 177.88 Crimes (property & violent) per 100,000 population: 3,295 State and local tax burden** (%): 8.70 Average temperature (1981-2010): 63.59 Cost of living (rank from CCER data): 14
State: Virginia Rank: 6 Hospital beds per 1,000 population*: 96 Doctors per 100,000 population: 2.20 Doctors per 100,000 population: 274.49 Crimes (property & violent) per 100,000 population: 2,446 State and local tax burden** (%): 9.30 Average temperature (1981-2010): 55.45 Cost of living (rank from CCER data): 21
State: West Virginia Rank: 7 Hospital beds per 1,000 population*: 98 Doctors per 100,000 population: 3.90 Doctors per 100,000 population: 232.12 Crimes (property & violent) per 100,000 population: 2,590 State and local tax burden** (%): 9.70 Average temperature (1981-2010): 52.04 Cost of living (rank from CCER data): 13
State: Alabama Rank: 8 Hospital beds per 1,000 population*: 99 Doctors per 100,000 population: 3.20 Doctors per 100,000 population: 218.17 Crimes (property & violent) per 100,000 population: 4,026 State and local tax burden** (%): 8.20 Average temperature (1981-2010): 63.06 Cost of living (rank from CCER data): 11
State: Nebraska Rank: 9 Hospital beds per 1,000 population*: 101 Doctors per 100,000 population: 4.00 Doctors per 100,000 population: 245.38 Crimes (property & violent) per 100,000 population: 3,006 State and local tax burden** (%): 9.70 Average temperature (1981-2010): 49.15 Cost of living (rank from CCER data): 7
State: North Dakota Rank: 10 Hospital beds per 1,000 population*: 102 Doctors per 100,000 population: 5.00 Doctors per 100,000 population: 244.39 Crimes (property & violent) per 100,000 population: 2,184 State and local tax burden** (%): 8.90 Average temperature (1981-2010): 40.94 Cost of living (rank from CCER data): 27
State: Missouri Rank: 11 Hospital beds per 1,000 population*: 103 Doctors per 100,000 population: 3.10 Doctors per 100,000 population: 246.02 Crimes (property & violent) per 100,000 population: 3,756 State and local tax burden** (%): 9.00 Average temperature (1981-2010): 54.80 Cost of living (rank from CCER data): 12
State: Texas Rank: 12 Hospital beds per 1,000 population*: 105 Doctors per 100,000 population: 2.40 Doctors per 100,000 population: 214.23 Crimes (property & violent) per 100,000 population: 3,881 State and local tax burden** (%): 7.90 Average temperature (1981-2010): 65.21 Cost of living (rank from CCER data): 10
State: Kansas Rank: 13 Hospital beds per 1,000 population*: 106 Doctors per 100,000 population: 3.50 Doctors per 100,000 population: 222.55 Crimes (property & violent) per 100,000 population: 3,434 State and local tax burden** (%): 9.70 Average temperature (1981-2010): 54.57 Cost of living (rank from CCER data): 4
State: Oklahoma Rank: 14 Hospital beds per 1,000 population*: 108 Doctors per 100,000 population: 3.00 Doctors per 100,000 population: 173.50 Crimes (property & violent) per 100,000 population: 3,811 State and local tax burden** (%): 8.70 Average temperature (1981-2010): 59.80 Cost of living (rank from CCER data): 1
State: Ohio Rank: 15 Hospital beds per 1,000 population*: 120 Doctors per 100,000 population: 3.00 Doctors per 100,000 population: 266.74 Crimes (property & violent) per 100,000 population: 3,662 State and local tax burden** (%): 9.70 Average temperature (1981-2010): 51.21 Cost of living (rank from CCER data): 16
State: Montana Rank: 16 (tie) Hospital beds per 1,000 population*: 121 Doctors per 100,000 population: 3.70 Doctors per 100,000 population: 220.57 Crimes (property & violent) per 100,000 population: 2,587 State and local tax burden** (%): 8.60 Average temperature (1981-2010): 43.22 Cost of living (rank from CCER data): 31
State: Pennsylvania Rank: 16 (tie) Hospital beds per 1,000 population*: 121 Doctors per 100,000 population: 3.10 Doctors per 100,000 population: 305.35 Crimes (property & violent) per 100,000 population: 2,577 State and local tax burden** (%): 10.20 Average temperature (1981-2010): 49.14 Cost of living (rank from CCER data): 34
State: Georgia Rank: 18 Hospital beds per 1,000 population*: 122 Doctors per 100,000 population: 2.60 Doctors per 100,000 population: 217.45 Crimes (property & violent) per 100,000 population: 4,000 State and local tax burden** (%): 9.00 Average temperature (1981-2010): 63.69 Cost of living (rank from CCER data): 17
State: Florida Rank: 19 Hospital beds per 1,000 population*: 123 Doctors per 100,000 population: 2.80 Doctors per 100,000 population: 247.86 Crimes (property & violent) per 100,000 population: 4,037 State and local tax burden** (%): 9.30 Average temperature (1981-2010): 70.88 Cost of living (rank from CCER data): 30
State: Illinois Rank: 20 Hospital beds per 1,000 population*: 124 Doctors per 100,000 population: 2.60 Doctors per 100,000 population: 280.15 Crimes (property & violent) per 100,000 population: 3,118 State and local tax burden** (%): 10.20 Average temperature (1981-2010): 52.17 Cost of living (rank from CCER data): 23
State: New Hampshire Rank: 21 Hospital beds per 1,000 population*: 125 Doctors per 100,000 population: 2.20 Doctors per 100,000 population: 274.87 Crimes (property & violent) per 100,000 population: 2,472 State and local tax burden** (%): 8.10 Average temperature (1981-2010): 44.19 Cost of living (rank from CCER data): 40
State: Wyoming Rank: 22 (tie) Hospital beds per 1,000 population*: 127 Doctors per 100,000 population: 3.50 Doctors per 100,000 population: 184.42 Crimes (property & violent) per 100,000 population: 2,486 State and local tax burden** (%): 7.80 Average temperature (1981-2010): 42.44 Cost of living (rank from CCER data): 32
State: Iowa Rank: 22 (tie) Hospital beds per 1,000 population*: 127 Doctors per 100,000 population: 3.30 Doctors per 100,000 population: 189.28 Crimes (property & violent) per 100,000 population: 2,586 State and local tax burden** (%): 9.60 Average temperature (1981-2010): 48.13 Cost of living (rank from CCER data): 15
State: Idaho Rank: 24 Hospital beds per 1,000 population*: 128 Doctors per 100,000 population: 2.10 Doctors per 100,000 population: 168.83 Crimes (property & violent) per 100,000 population: 2,269 State and local tax burden** (%): 9.40 Average temperature (1981-2010): 44.83 Cost of living (rank from CCER data): 8
State: South Carolina Rank: 25 Hospital beds per 1,000 population*: 129 Doctors per 100,000 population: 2.70 Doctors per 100,000 population: 229.79 Crimes (property & violent) per 100,000 population: 4,476 State and local tax burden** (%): 8.40 Average temperature (1981-2010): 62.64 Cost of living (rank from CCER data): 26
State: Indiana Rank: 26 Hospital beds per 1,000 population*: 130 Doctors per 100,000 population: 2.70 Doctors per 100,000 population: 216.94 Crimes (property & violent) per 100,000 population: 3,494 State and local tax burden** (%): 9.60 Average temperature (1981-2010): 52.06 Cost of living (rank from CCER data): 6
State: Nevada Rank: 27 Hospital beds per 1,000 population*: 132 Doctors per 100,000 population: 1.90 Doctors per 100,000 population: 187.76 Crimes (property & violent) per 100,000 population: 3,123 State and local tax burden** (%): 8.20 Average temperature (1981-2010): 50.34 Cost of living (rank from CCER data): 19
State: Arkansas Rank: 28 Hospital beds per 1,000 population*: 134 Doctors per 100,000 population: 3.20 Doctors per 100,000 population: 203.42 Crimes (property & violent) per 100,000 population: 4,235 State and local tax burden** (%): 10.00 Average temperature (1981-2010): 60.68 Cost of living (rank from CCER data): 3
State: District of Columbia Rank: 29 Hospital beds per 1,000 population*: 136 Doctors per 100,000 population: 5.70 Doctors per 100,000 population: 807.15 Crimes (property & violent) per 100,000 population: 5,998 State and local tax burden** (%): 9.30 Average temperature (1981-2010): 58.20 Cost of living (rank from CCER data): 49
State: Utah Rank: 30 Hospital beds per 1,000 population*: 138 Doctors per 100,000 population: 1.80 Doctors per 100,000 population: 208.06 Crimes (property & violent) per 100,000 population: 3,168 State and local tax burden** (%): 9.30 Average temperature (1981-2010): 49.22 Cost of living (rank from CCER data): 9
State: North Carolina Rank: 31 (tie) Hospital beds per 1,000 population*: 140 Doctors per 100,000 population: 2.40 Doctors per 100,000 population: 254.24 Crimes (property & violent) per 100,000 population: 3,877 State and local tax burden** (%): 9.90 Average temperature (1981-2010): 59.29 Cost of living (rank from CCER data): 24
State: New Jersey Rank: 31 (tie) Hospital beds per 1,000 population*: 140 Doctors per 100,000 population: 2.40 Doctors per 100,000 population: 316.34 Crimes (property & violent) per 100,000 population: 2,459 State and local tax burden** (%): 12.40 Average temperature (1981-2010): 53.15 Cost of living (rank from CCER data): 47
State: Arizona Rank: 33 (tie) Hospital beds per 1,000 population*: 141 Doctors per 100,000 population: 2.10 Doctors per 100,000 population: 209.67 Crimes (property & violent) per 100,000 population: 3,960 State and local tax burden** (%): 8.40 Average temperature (1981-2010): 61.07 Cost of living (rank from CCER data): 33
State: New York Rank: 33 (tie) Hospital beds per 1,000 population*: 141 Doctors per 100,000 population: 3.10 Doctors per 100,000 population: 395.92 Crimes (property & violent) per 100,000 population: 2,311 State and local tax burden** (%): 12.80 Average temperature (1981-2010): 45.87 Cost of living (rank from CCER data): 46
State: Hawaii Rank: 35 Hospital beds per 1,000 population*: 143 Doctors per 100,000 population: 2.30 Doctors per 100,000 population: 316.98 Crimes (property & violent) per 100,000 population: 3,625 State and local tax burden** (%): 10.10 Average temperature (1981-2010): 76.40 Cost of living (rank from CCER data): 51
State: Michigan Rank: 36 (tie) Hospital beds per 1,000 population*: 145 Doctors per 100,000 population: 2.60 Doctors per 100,000 population: 250.21 Crimes (property & violent) per 100,000 population: 3,057 State and local tax burden** (%): 9.80 Average temperature (1981-2010): 44.99 Cost of living (rank from CCER data): 20
State: Massachusetts Rank: 36 (tie) Hospital beds per 1,000 population*: 145 Doctors per 100,000 population: 2.40 Doctors per 100,000 population: 469.01 Crimes (property & violent) per 100,000 population: 2,687 State and local tax burden** (%): 10.40 Average temperature (1981-2010): 48.23 Cost of living (rank from CCER data): 44
State: New Mexico Rank: 38 (tie) Hospital beds per 1,000 population*: 147 Doctors per 100,000 population: 1.90 Doctors per 100,000 population: 243.59 Crimes (property & violent) per 100,000 population: 4,099 State and local tax burden** (%): 8.40 Average temperature (1981-2010): 53.95 Cost of living (rank from CCER data): 22
State: Colorado Rank: 38 (tie) Hospital beds per 1,000 population*: 147 Doctors per 100,000 population: 2.00 Doctors per 100,000 population: 259.69 Crimes (property & violent) per 100,000 population: 2,927 State and local tax burden** (%): 9.10 Average temperature (1981-2010): 45.80 Cost of living (rank from CCER data): 29
State: Rhode Island Rank: 40 Hospital beds per 1,000 population*: 148 Doctors per 100,000 population: 2.40 Doctors per 100,000 population: 375.55 Crimes (property & violent) per 100,000 population: 2,924 State and local tax burden** (%): 10.90 Average temperature (1981-2010): 50.48 Cost of living (rank from CCER data): 45
State: Connecticut Rank: 41 Hospital beds per 1,000 population*: 149 Doctors per 100,000 population: 2.30 Doctors per 100,000 population: 376.38 Crimes (property & violent) per 100,000 population: 2,440 State and local tax burden** (%): 12.30 Average temperature (1981-2010): 49.44 Cost of living (rank from CCER data): 48
State: Delaware Rank: 42 Hospital beds per 1,000 population*: 150 Doctors per 100,000 population: 2.40 Doctors per 100,000 population: 250.94 Crimes (property & violent) per 100,000 population: 3,970 State and local tax burden** (%): 9.20 Average temperature (1981-2010): 55.74 Cost of living (rank from CCER data): 38
State: Minnesota Rank: 43 Hospital beds per 1,000 population*: 154 Doctors per 100,000 population: 2.90 Doctors per 100,000 population: 293.19 Crimes (property & violent) per 100,000 population: 2,771 State and local tax burden** (%): 10.80 Average temperature (1981-2010): 41.78 Cost of living (rank from CCER data): 36
State: Vermont Rank: 44 (tie) Hospital beds per 1,000 population*: 155 Doctors per 100,000 population: 2.10 Doctors per 100,000 population: 373.74 Crimes (property & violent) per 100,000 population: 2,444 State and local tax burden** (%): 10.10 Average temperature (1981-2010): 43.08 Cost of living (rank from CCER data): 41
State: Maryland Rank: 44 (tie) Hospital beds per 1,000 population*: 155 Doctors per 100,000 population: 2.00 Doctors per 100,000 population: 421.43 Crimes (property & violent) per 100,000 population: 3,354 State and local tax burden** (%): 10.20 Average temperature (1981-2010): 54.65 Cost of living (rank from CCER data): 42
State: Maine Rank: 46 Hospital beds per 1,000 population*: 157 Doctors per 100,000 population: 2.70 Doctors per 100,000 population: 278.39 Crimes (property & violent) per 100,000 population: 2,669 State and local tax burden** (%): 10.30 Average temperature (1981-2010): 41.35 Cost of living (rank from CCER data): 39
State: Wisconsin Rank: 47 Hospital beds per 1,000 population*: 161 Doctors per 100,000 population: 2.40 Doctors per 100,000 population: 259.10 Crimes (property & violent) per 100,000 population: 2,670 State and local tax burden** (%): 11.10 Average temperature (1981-2010): 43.72 Cost of living (rank from CCER data): 28
State: California Rank: 48 Hospital beds per 1,000 population*: 162 Doctors per 100,000 population: 1.90 Doctors per 100,000 population: 268.69 Crimes (property & violent) per 100,000 population: 2,995 State and local tax burden** (%): 11.20 Average temperature (1981-2010): 59.84 Cost of living (rank from CCER data): 43
State: Washington Rank: 49 Hospital beds per 1,000 population*: 172 Doctors per 100,000 population: 1.70 Doctors per 100,000 population: 269.99 Crimes (property & violent) per 100,000 population: 3,869 State and local tax burden** (%): 9.30 Average temperature (1981-2010): 48.68 Cost of living (rank from CCER data): 35
State: Alaska Rank: 50 Hospital beds per 1,000 population*: 176 Doctors per 100,000 population: 2.20 Doctors per 100,000 population: 228.45 Crimes (property & violent) per 100,000 population: 3,239 State and local tax burden** (%): 7.00 Average temperature (1981-2010): 35.90 Cost of living (rank from CCER data): 50
State: Oregon Rank: 51 Hospital beds per 1,000 population*: 178 Doctors per 100,000 population: 1.70 Doctors per 100,000 population: 274.47 Crimes (property & violent) per 100,000 population: 3,362 State and local tax burden** (%): 10.00 Average temperature (1981-2010): 48.77 Cost of living (rank from CCER data): 37
State:   Rank:   Hospital beds per 1,000 population*:   Doctors per 100,000 population:   Doctors per 100,000 population:   Crimes (property & violent) per 100,000 population:   State and local tax burden** (%):   Average temperature (1981-2010):   Cost of living (rank from CCER data):  
National average Rank:   Hospital beds per 1,000 population*:   2.83 271.00 3,253 9 52.75 Cost of living (rank from CCER data):  

*For hospital beds: The Kaiser Family Foundation reports the national average differently, using the median of 2.6 per 1,000 population. **For state and local tax burden: The Tax Foundation reports the national average differently, favoring more populous states to create a weighted average of 9.9 percent.

Here’s a brief description of our methodology: For medical statistics we examined the number of hospital beds per 1,000 residents and the number of doctors per 100,000 residents from the Kaiser Family Foundation and U.S. Census, respectively. Statistics of violent crimes and property crimes per 100,000 people come from the 2011 FBI Uniform Crime Report. Tax rates are based on an estimate of the state and local tax burdens, including income, sales, property and other taxes, by the Tax Foundation. Average annual temperatures over 30 years come courtesy of the National Oceanic and Atmospheric Administration and the Western Regional Climate Center. Bankrate’s analysis of cost-of-living data comes from the Council for Community and Economic Research, which produces a ranking from lowest cost of living, or most favorable (No. 1) to highest, or least favorable (No. 51). We include the District of Columbia in our ranking. The “overall rank” reflects the composite rank for each state after combining all the factors, with 170 as the worst score and 81 as the best.

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