🏡 **The 11 States with the Most Retired Population in the U.S., How Much Do Retirement Costs Actually Amount To?**

Data shows that in the United States, 11 states have a retirement population (65+) that accounts for at least 20%. However, the cost of living in these "retirement havens" varies greatly —

**The most expensive**: Hawaii takes the lead. The monthly living expense for singles is $6,782 (after deducting social security), with a cost index of 182.3, the highest in the U.S. Maine and Vermont follow closely, both at over $3,400/month.

**Cheapest**: West Virginia single month costs only $2,264, New Mexico $2,534, Wyoming $2,669. The cost of living index is between 94-97.

**Compromise Choice**: Florida (beach + low cost, single $2,910/month) and Pennsylvania (cost of living $2,693, ranked lower in the US) are relatively balanced.

Interestingly, in the same "retirement big state", the monthly living expenses can vary by more than double. How should you calculate your retirement budget?