Make money work for you!

  • Home
  • Personal Finance
  • Budgeting
  • Shopping
  • Taxes

10 Worst States to Live on Just a Social Security Check

December 20, 2022 · Personal Finance
social security, social security checks
Photo by Pressmaster from Shutterstock

Are Social Security checks your sole source of retirement income?

Retirement often comes with a slower pace of life. No more playing office politics, stressing over work deadlines, or struggling to make ends meet in a city with a punitive cost of living and a soul-crushing commute. The end of your career also brings new questions about how and where to spend your golden years when you won’t be tied to a specific location.

Should you settle in the mountains or by the beach? Do you prefer cross-country skiing or golf? Perhaps most importantly, where do your family, friends, and healthcare providers live? The answers to these where-to-retire questions are deeply personal.

To help you find some objective answers, financial experts analyzed a bevy of statistics on public health, the cost of living, and other metrics.

The average Social Security check is $1,632.04 per month. That’s not enough to live comfortably in most states in America, but Social Security was never supposed to be a retiree’s only source of income. Yet, many seniors live on just Social Security checks — a monthly payment that can’t cover their living expenses in some states.

We identified 10 US states that you can scratch off the list if Social Security checks are your only source of income. Here are the places where Social Security alone won’t pay the bills, listed from best to worst.

Pages: 1 2 3 4 5 6 7 8 9 10 11

Share this article

Facebook Twitter Pinterest LinkedIn Email

Leave a Reply Cancel reply

Your email address will not be published. Required fields are marked *

52 comments on “10 Worst States to Live on Just a Social Security Check”

  1. Ed Dale says:
    January 7, 2026 at 9:39 am

    I left Taxachusetts 50 years ago. Moved to Alaska!!!! Best thing I ever did. No personal State income tax!!! No State sales tax. Yes it gets cold and dark in winter. But summers are beautiful. Warmth and all the sunlight. It’s home!!!!!! HOME is where you make it. Playing golf at midnight is awesome!!! Each year eligible citizens get a Permanent Fund Dividend check from the State from the oil revenues received from oil revenue taxes. But the best part is the beauty of it all. Hunting, fishing, scenery, the people. It’s just different from the Lower 48!!!!!

    Reply
  2. LINDA STEPHENS says:
    February 3, 2025 at 1:41 am

    That isn’t a picture of Washington. That is Washington, DC. Duh???

    Reply
  3. Betty says:
    February 2, 2025 at 2:33 pm

    You forgot Texas. Even the winter Texans commented on how higher prices are, then at home.

    Reply
  4. Shelly Weger says:
    January 7, 2025 at 2:46 am

    Take me off the Lists!

    Reply
  5. Robert Morris says:
    January 6, 2025 at 9:00 pm

    By the way, Washington D.C. is not in the state of Washington. The Washington Monument shown in the picture is in Washington D.C.

    Reply
Se încarcă comentarii...

Nu mai există comentarii de afișat.

Search

Latest Posts

  • A person sits at a sunny kitchen table reviewing bills with a pen and coffee, embodying a proactive approach to household budgeting. 7 Household Expenses Worth Reviewing Today
  • A senior man in a knit sweater sits at a sunny wooden desk at home, organizing legal documents and folders in a quiet morning setting. 9 Things Retirees Should Put in Writing
  • A person holding a phone at night showing multiple scam notifications about packages, banks, and tolls. 9 Everyday Messages You Should Never Respond To
  • Close-up of house keys on a wooden table with moving boxes and a sold sign in the blurred background. 7 Signs It Might Be Time to Downsize
  • A woman in her 60s working peacefully at a desk in a sunlit home office with garden views. 9 Flexible Retirement Jobs Paying More Than Most Seniors Expect
  • A man in his 70s sits at his kitchen table reviewing a 2026 retirement distribution on a tablet next to his Social Security statement. Your 2026 RMD Could Affect Social Security Benefits - Here's How
  • 9 Retirement Communities With Surprisingly Low HOA Fees
  • What about stop-and-go traffic? Can I save some gas by turning off my vehicle? Seniors: Will You Have to Retake Your Driving Test This Year? What You Should Know About DMV Rules
  • A woman in her late 50s joyfully works on a woodworking project in her sunlit garage, representing a vibrant lifestyle. 5 Smart Ways to Use Your Life Insurance While You're Still Alive
  • An infographic titled 'The Subscription Leak' showing a funnel of money with data points about household subscription costs. 8 Subscription Services Americans Are Quietly Replacing With Cheaper Alternatives

Newsletter

Get money-saving tips and personal finance advice delivered to your inbox.

Related Articles

money mistake 2023 credit card, costly habits

Top 8 Money Mistakes Most People Make

A woman in a green sweater gazes thoughtfully out a window, reflecting on the financial…

Read More →
warehouse

10 Things You Should Always Buy in Bulk at Warehouse Clubs

If you want to find new ways to maximize your savings, probably one of the…

Read More →
A senior citizen sits at a desk, reviewing paperwork and ignoring a ringing phone, with a computer displaying a secure website.

7 Common Financial Scams Targeting Seniors and How to Avoid Them

Navigating your financial life in retirement should be a time of confidence and peace of…

Read More →
A senior couple reviews their household budget on a laptop in a bright, modern kitchen.

Social Security’s 2027 COLA Could Be the Smallest in Years

Early projections indicate the 2027 Social Security COLA could be the smallest in a decade.…

Read More →
money mistakes boomers make Social Security

11 Money Mistakes Boomers Make with Their Finances

A concerned senior reviews a past due bill, showing how financial mistakes can impact the…

Read More →
summer road trips, frugal summer

Frugal Summer? See the 9 Tips for Summer Road Trips

A smiling man in a straw hat and sunglasses enjoys a scenic summer drive along…

Read More →
credit card

Have A Credit Card? Here Are 10 Times You Should Use It With Confidence

10 Times When It Would Benefit You To Pay With Your Credit Card: Personal finance…

Read More →
Costco product

11 Popular Products Costco Won’t Sell Anymore This Year

Costco is one of the best and most reliable sources of bulk products. No matter…

Read More →
Financial freedom

These 8 Habits Will Make You Reach Financial Freedom

Whilst every individual’s idea of financial freedom is unique, there are some things that tend…

Read More →
The Money Place

Make money work for you!

Inedit Agency S.R.L.
Bucharest, Romania

contact@ineditagency.com

Trust & Legal

  • Subscribe
  • Unsubscribe
  • Newsletter
  • Terms and Conditions
  • Do not sell my personal information
  • Privacy Policy
  • Contact
  • Request to Know
  • Request to Delete
  • CA Private Policy

Categories

  • Budgeting
  • Personal Finance
  • Shopping
  • Taxes

© 2026 The Money Place. All rights reserved.