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10 Worst States to Live on Just a Social Security Check

December 20, 2022 · Personal Finance
new york
Photo by Luciano Mortula – LGM from Shutterstock

3. New York

  • Cost-of-living index: 148.2
  • Average one-bedroom rent (January 2022): $1,588

New York — one of the most famous cities in the entire world. Also called the Empire State, this vibrant place is known for its flashy Broadway performances, exclusive shops, and amazing skyscrapers.

Despite all these awesome things, New York is highly overpriced, especially for those who rely solely on their Social Security checks. In fact, Manhattan ranks as the most expensive place to live in America, with costs exceeding 138.6% above the national average.

With the national baseline set at 100.0, the housing expenses in New York are a staggering 230.1 on the cost-of-living index. Utilities are a little below average, and healthcare is only a little above, but everything else is more expensive in New York.

Retirees here may have an average income that’s among the top five in the US, but according to the latest data, the age group of 65 and older suffers an 11.4% poverty rate. So forget about moving here if you live on just a Social Security check.

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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
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