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## Where America's Retirees Actually Live—and What It Costs Them
If you're thinking about retiring soon, here's something worth knowing: 11 U.S. states now have at least 20% of their population over 65. But here's the kicker—the price tag varies wildly.
Hawaii is absolutely brutal. Retirees there burn through $6,782/month as a single person, $5,828 as a couple (after Social Security). The cost-of-living index hits 182.3—nearly 80% higher than the national average. Paradise doesn't come cheap.
Flip side? West Virginia costs just $2,264/month for individuals, $1,309 for couples. Montana, Pennsylvania, and New Mexico are similarly wallet-friendly.
The New England corridor (Maine, Vermont) sits in the middle—around $3,400-3,500/month—driven by brutal housing and utility costs despite decent natural appeal.
Interesting pattern: The cheap retirement states (West Virginia, Wyoming, Montana) aren't necessarily less desirable—they just don't have coastal premium pricing. Maine and Florida offer that "beach life + manageable costs" sweet spot around $2,900-3,400/month.
Bottom line: Your Social Security might stretch 2-3x further in Montana vs. Hawaii. Geography matters.