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Your email address will not be published.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 woman sits at a wooden dining table reviewing retirement account paperwork alongside folders, mail, and eyeglasses. 10 Signs You Need to Update Your Beneficiaries Now
  • Man sitting at an outdoor café table examining a U.S. passport, tax documents, and an espresso cup. 12 Countries With Tax Treaties That Protect Retiree Income
  • Senior couple sitting at a wooden table in a sunlit kitchen, the man drinking from a mug and the woman reading a book. 11 Money Habits That Separate Relaxed Retirees From Anxious Ones
  • Senior man sitting at a wooden table looking thoughtfully at a financial portfolio on a digital tablet. 8 Reasons Retirees Are Ditching Traditional Banks
  • Watercolor illustration of a senior couple walking down a trail past milestone markers labeled 2027, Tax Policy, and 2028. What Are the Projected IRMAA Brackets for 2027 and 2028?
  • Senior man sitting at a wooden desk with paperwork, a pen, and a steaming mug, looking thoughtfully out a window. 12 Biggest Money Mistakes to Avoid in Your 70s
  • A senior couple reviews financial documents, a monthly budget, and a year-end planner at a dining table. 8 Ways Retirees Could Save $10,000 by the End of the Year
  • An older East Asian man walks along a coastal dirt path lined with green foliage and ocean waves at sunset. 13 States Where Retirees Have the Longest Lives
  • Senior couple relaxing in wooden rocking chairs on a porch overlooking a sunny yard. The Only 10 States Where Retirees Likely Won’t Run Out of Money (and Why)
  • Mature woman in a cardigan holding a steaming mug on a sunny outdoor deck beside a patio table with glasses and a notebook. 7 Expenses You Should Eliminate When You Retire

Newsletter

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

Related Articles

sell your house

Seniors Only: 4 Signs You Must Sell Your House Right NOW

Have you ever wondered if you should sell your house before you retire? A lot…

Read More →
A senior man at a sunny kitchen table highlights a credit card benefits guide near travel brochures and his smartphone.

8 Credit Card Perks Seniors Forget to Use

Maximize your retirement budget by unlocking hidden credit card perks like free cell phone protection,…

Read More →
A retiree in her sun-drenched home studio packing a ceramic vase for shipping next to a laptop showing business sales.

7 Retiree Hobbies That Accidentally Turned Into Full Businesses

Discover seven common retirement hobbies that can easily become profitable businesses, plus essential 2026 tax…

Read More →
home-selling mistakes market

Signs the Housing Market Will Crash at The End of 2024

With high mortgage rates and even higher home prices, many homebuyers witnessed their hopes sink…

Read More →
A senior couple sitting at their kitchen table reviewing financial documents and a calendar together in warm afternoon light.

8 Retirement Expenses That Suddenly Increase After Age 70

Discover the eight hidden retirement expenses that surge after age 70, from Medicare surcharges to…

Read More →
overhyped collectibles

6 Overhyped Collectibles That Are Now Worthless

Most of us have that dusty shoebox of baseball cards or the old coins that…

Read More →
Risks, Emergency Fund

8 Risks of Not Having an Emergency Fund

A couple reviews their finances on a tablet, ensuring their cozy home is protected against…

Read More →
A doctor in dark blue scrubs and a stethoscope sits on a bench in a sunlit hospital corridor reading a clipboard.

The Highest-Paying Job in Every US State

Explore the highest-paying job in every US state, see how local taxes impact take-home pay,…

Read More →
An editorial collage featuring a brass compass, financial documents, a family photo, and a metal key, representing a financial roadmap.

8 Financial Details Loved Ones Need to Know

Discover the eight critical financial details and documents you must organize and share with loved…

Read More →
The Money Place

Make money work for you!

Inedit Agency S.R.L.
Bucharest, Romania

contact@ineditagency.com

Trust & Legal

  • Contact
  • Editorial Policy
  • Advertiser Disclosure
  • FAQ
  • Subscribe
  • Unsubscribe
  • Privacy Policy
  • Terms and Conditions
  • Disclaimer
  • Do not sell my personal information
  • Request to Know
  • Request to Delete
  • CA Private Policy

Categories

  • Budgeting
  • Personal Finance
  • Shopping
  • Taxes

© 2026 The Money Place. All rights reserved.