How Far $1 Million Goes in Retirement in the 5 Biggest Cities in Every State

Having a million-dollar nest egg along with your Social Security means different things in different states, and in different cities within those states.

For those fortunate enough to have this amount to work with in retirement, how long it will last depends on numerous factors — not the least of which is where you live. A new analysis by GOBankingRates reveals some stark differences as it hones in on the five largest cities in all 50 states.

For each city, GOBankingRates has calculated how long $1 million is likely to last you in retirement — with and without Social Security included. The study includes data from the U.S. Census, the Bureau of Labor Statistics, the Social Security Administration and Sperling’s BestPlaces.

• In the most affordable cities in the list, $1 million and Social Security could last you as long as 40 years.
• In the least affordable cities in the list, you might exhaust those funds in less than 10 years.
• Among the cities included, San Francisco has the highest average annual expenditures after Social Security — a sky-high $123,000.
• Roswell, New Mexico, has the lowest average annual expenditures after Social Security — just $21,681. If you retire there with $1 million and Social Security, you could be set for 46 years.

Read on for a state-by-state breakdown.

Based on GOBankingRates’ calculations, $1 million alongside Social Security will last you 28-38 years if you’re retiring in one of Alabama’s five largest cities. If you leave Social Security out of the equation, the numbers shrink to 17-20 years.

Huntsville

• Population: 218,814
• Annual expenditures after Social Security: $36,265
• How long $1 million will last after Social Security: 27.6 years
• How long $1 million will last without Social Security: 16.7 years

Birmingham

• Population: 199,322
• Annual expenditures after Social Security: $31,699
• How long $1 million will last after Social Security: 31.6 years
• How long $1 million will last without Social Security: 18.1 years

Montgomery

• Population: 198,440
• Annual expenditures after Social Security: $26,627
• How long $1 million will last after Social Security: 37.6 years
• How long $1 million will last without Social Security: 20 years

Mobile

• Population: 185,097
• Annual expenditures after Social Security: $29,860
• How long $1 million will last after Social Security: 33.5 years
• How long $1 million will last without Social Security: 18.8 years

Tuscaloosa

• Population: 107,699
• Annual expenditures after Social Security: $32,713
• How long $1 million will last after Social Security: 30.6 years
• How long $1 million will last without Social Security: 17.8 years

In Alaska’s five largest cities, $1 million will last anywhere from 21 years to 24 years. Without Social Security, you’re looking at 14-15 years.

Anchorage

• Population: 289,069
• Annual expenditures after Social Security: $49,770
• How long $1 million will last after Social Security: 20.1 years
• How long $1 million will last without Social Security: 13.7 years

Fairbanks

• Population: 32,424
• Annual expenditures after Social Security: $42,479
• How long $1 million will last after Social Security: 23.5 years
• How long $1 million will last without Social Security: 15.2 years

Juneau

• Population: 31,969
• Annual expenditures after Social Security: $48,185
• How long $1 million will last after Social Security: 20.8 years
• How long $1 million will last without Social Security: 14 years

Badger

• Population: 19,033
• Annual expenditures after Social Security: $42,479
• How long $1 million will last after Social Security: 23.5 years
• How long $1 million will last without Social Security: 15.2 years

Knik-Fairview

• Population: 18,921
• Annual expenditures after Social Security: $46,790
• How long $1 million will last after Social Security: 21.4 years
• How long $1 million will last without Social Security: 14.2 years

Without Social Security included, $1 million will cover you from 14-16 years in Arizona’s biggest cities. Add in Social Security, and the numbers bump to 21-26 years.

Phoenix

• Population: 1,624,832
• Annual expenditures after Social Security: $48,185
• How long $1 million will last after Social Security: 20.8 years
• How long $1 million will last without Social Security: 14 years

Tucson

• Population: 543,348
• Annual expenditures after Social Security: $38,040
• How long $1 million will last after Social Security: 26.3 years
• How long $1 million will last without Social Security: 16.3 years

Mesa

• Population: 507,478
• Annual expenditures after Social Security: $48,185
• How long $1 million will last after Social Security: 20.8 years
• How long $1 million will last without Social Security: 14 years

Chandler

• Population: 278,123
• Annual expenditures after Social Security: $48,185
• How long $1 million will last after Social Security: 20.8 years
• How long $1 million will last without Social Security: 14 years

Gilbert

• Population: 271,118
• Annual expenditures after Social Security: $48,185
• How long $1 million will last after Social Security: 20.8 years
• How long $1 million will last without Social Security: 14 years

Based on GOBankingRates’ calculations, $1 million after Social Security will last you 30-40 years if you’re retiring in one of the five biggest cities in Arkansas. If you leave Social Security out of the equation, the numbers shrink to 18-21 years.

Little Rock

• Population: 202,739
• Annual expenditures after Social Security: $27,705
• How long $1 million will last after Social Security: 36.1 years
• How long $1 million will last without Social Security: 20 years

Fayetteville

• Population: 97,227
• Annual expenditures after Social Security: $33,475
• How long $1 million will last after Social Security: 29.9 years
• How long $1 million will last without Social Security: 17.6 years

Fort Smith

• Population: 89,496
• Annual expenditures after Social Security: $25,105
• How long $1 million will last after Social Security: 39.8 years
• How long $1 million will last without Social Security: 20.6 years

Springdale

• Population: 87,388
• Annual expenditures after Social Security: $33,475
• How long $1 million will last after Social Security: 29.9 years
• How long $1 million will last without Social Security: 17.7 years

Jonesboro

• Population: 79,187
• Annual expenditures after Social Security: $26,690
• How long $1 million will last after Social Security: 37.5 years
• How long $1 million will last without Social Security: 19.9 years

With relatively high average annual expenditures, $1 million may not last you long if you’re retiring in one of California’s biggest cities. Expect 8-24 years if you include Social Security, and 6-15 years if you don’t.

Los Angeles

• Population: 3,857,897
• Annual expenditures after Social Security: $79,065
• How long $1 million will last after Social Security: 12.7 years
• How long $1 million will last without Social Security: 9.8 years

San Diego

• Population: 1,385,061
• Annual expenditures after Social Security: $74,753
• How long $1 million will last after Social Security: 13.4 years
• How long $1 million will last without Social Security: 10.2 years

San Jose

• Population: 990,054
• Annual expenditures after Social Security: $123,007
• How long $1 million will last after Social Security: 8.1 years
• How long $1 million will last without Social Security: 6.8 years

San Francisco

• Population: 836,221
• Annual expenditures after Social Security: $132,201
• How long $1 million will last after Social Security: 7.6 years
• How long $1 million will last without Social Security: 6.4 years

Fresno

• Population: 543,615
• Annual expenditures after Social Security: $42,288
• How long $1 million will last after Social Security: 23.7 years
• How long $1 million will last without Social Security: 15.2 years

In Colorado’s five largest cities, how long $1 million will last in retirement ranges from 16-22 years. Without Social Security, you’re looking at 12-14 years.

Denver

• Population: 713,734
• Annual expenditures after Social Security: $57,443
• How long $1 million will last after Social Security: 17.4 years
• How long $1 million will last without Social Security: 12.4 years

Colorado Springs

• Population: 483,099
• Annual expenditures after Social Security: $46,473
• How long $1 million will last after Social Security: 21.5 years
• How long $1 million will last without Social Security: 14.3 years

Aurora

• Population: 390,201
• Annual expenditures after Social Security: $54,970
• How long $1 million will last after Social Security: 18.2 years
• How long $1 million will last without Social Security: 12.8 years

Fort Collins

• Population: 169,705
• Annual expenditures after Social Security: $49,897
• How long $1 million will last after Social Security: 20 years
• How long $1 million will last without Social Security: 13.6 years

Lakewood

• Population: 156,309
• Annual expenditures after Social Security: $60,677
• How long $1 million will last after Social Security: 16.5 years
• How long $1 million will last without Social Security: 11.9 years

Without Social Security included, $1 million will cover you for 11-15 years in Connecticut’s biggest cities. Add in Social Security, and the numbers bump to 16-23 years.

Bridgeport

• Population: 148,012
• Annual expenditures after Social Security: $64,418
• How long $1 million will last after Social Security: 15.5 years
• How long $1 million will last without Social Security: 11.4 years

Stamford

• Population: 135,806
• Annual expenditures after Social Security: $64,418
• How long $1 million will last after Social Security: 15.5 years
• How long $1 million will last without Social Security: 11.4 years

New Haven

• Population: 132,893
• Annual expenditures after Social Security: $45,776
• How long $1 million will last after Social Security: 21.9 years
• How long $1 million will last without Social Security: 14.4 years

Hartford

• Population: 119,970
• Annual expenditures after Social Security: $42,986
• How long $1 million will last after Social Security: 23.3 years
• How long $1 million will last without Social Security: 15 years

Waterbury

• Population: 114,356
• Annual expenditures after Social Security: $45,776
• How long $1 million will last after Social Security: 21.9 years
• How long $1 million will last without Social Security: 14.4 years

Based on the calculations, $1 million will last you 24-25 years if you’re retiring in one of Delaware’s most populous cities. If you leave Social Security out of the equation, the numbers shrink to 15-16 years.

Wilmington

• Population: 71,124
• Annual expenditures after Social Security: $42,542
• How long $1 million will last after Social Security: 23.5 years
• How long $1 million will last without Social Security: 15.2 years

Dover

• Population: 39,491
• Annual expenditures after Social Security: $39,308
• How long $1 million will last after Social Security: 25.4 years
• How long $1 million will last without Social Security: 15.9 years

Newark

• Population: 30,309
• Annual expenditures after Social Security: $42,542
• How long $1 million will last after Social Security: 23.5 years
• How long $1 million will last without Social Security: 15.2 years

Middletown

• Population: 24,071
• Annual expenditures after Social Security: $42,542
• How long $1 million will last after Social Security: 23.5 years
• How long $1 million will last without Social Security: 15.2 years

Bear

• Population: 22,604
• Annual expenditures after Social Security: $42,542
• How long $1 million will last after Social Security: 23.5 years
• How long $1 million will last without Social Security: 15.2 years

In Florida’s five largest cities, $1 million will last for 19-27 years. Without Social Security, you’re looking at 13-16 years.

Jacksonville

• Population: 961,739
• Annual expenditures after Social Security: $37,216
• How long $1 million will last after Social Security: 26.9 years
• How long $1 million will last without Social Security: 16.5 years

Miami

• Population: 446,663
• Annual expenditures after Social Security: $51,926
• How long $1 million will last after Social Security: 19.3 years
• How long $1 million will last without Social Security: 13.3 years

Tampa

• Population: 393,389
• Annual expenditures after Social Security: $42,605
• How long $1 million will last after Social Security: 23.5 years
• How long $1 million will last without Social Security: 15.1 years

Orlando

• Population: 311,732
• Annual expenditures after Social Security: $43,747
• How long $1 million will last after Social Security: 22.9 years
• How long $1 million will last without Social Security: 14.9 years

St. Petersburg

• Population: 260,646
• Annual expenditures after Social Security: $41,718
• How long $1 million will last after Social Security: 24 years
• How long $1 million will last without Social Security: 15.3 years

Without Social Security included, $1 million will cover you for 14-21 years in Georgia’s biggest cities. Add in Social Security, and the numbers bump to 21-40 years.

Atlanta

• Population: 499,287
• Annual expenditures after Social Security: $48,376
• How long $1 million will last after Social Security: 20.7 years
• How long $1 million will last without Social Security: 13.9 years

Columbus

• Population: 204,383
• Annual expenditures after Social Security: $25,992
• How long $1 million will last after Social Security: 38.5 years
• How long $1 million will last without Social Security: 20.2 years

Augusta

• Population: 201,504
• Annual expenditures after Social Security: $27,261
• How long $1 million will last after Social Security: 36.7 years
• How long $1 million will last without Social Security: 19.7 years

Macon

• Population: 156,543
• Annual expenditures after Social Security: $24,915
• How long $1 million will last after Social Security: 40.1 years
• How long $1 million will last without Social Security: 20.7 years

Savannah

• Population: 147,546
• Annual expenditures after Social Security: $33,728
• How long $1 million will last after Social Security: 29.7 years
• How long $1 million will last without Social Security: 17.5 years

With relatively high average annual expenditures, $1 million may not last you long if you’re retiring in one of Hawaii’s biggest cities. Expect 12-17 years if you include Social Security, 9-12 years if you don’t.

Honolulu

• Population: 346,323
• Annual expenditures after Social Security: $85,279
• How long $1 million will last after Social Security: 11.7 years
• How long $1 million will last without Social Security: 9.2 years

East Honolulu

• Population: 50,961
• Annual expenditures after Social Security: $85,279
• How long $1 million will last after Social Security: 11.7 years
• How long $1 million will last without Social Security: 9.2 years

Hilo

• Population: 48,223
• Annual expenditures after Social Security: $60,169
• How long $1 million will last after Social Security: 16.6 years
• How long $1 million will last without Social Security: 12 years

Pearl City

• Population: 45,079
• Annual expenditures after Social Security: $85,279
• How long $1 million will last after Social Security: 11.7 years
• How long $1 million will last without Social Security: 9.2 years

Waipahu

• Population: 39,871
• Annual expenditures after Social Security: $85,279
• How long $1 million will last after Social Security: 11.7 years
• How long $1 million will last without Social Security: 9.2 years

Based on calculations, $1 million with Social Security will last you 19-28 years if you’re retiring in one of Idaho’s largest cities. If you leave Social Security out of the equation, your retirement fund will last 13-17 years.

Boise

• Population: 235,701
• Annual expenditures after Social Security: $52,370
• How long $1 million will last after Social Security: 19.1 years
• How long $1 million will last without Social Security: 13.2 years

Meridian

• Population: 124,865
• Annual expenditures after Social Security: $52,370
• How long $1 million will last after Social Security: 19.1 years
• How long $1 million will last without Social Security: 13.2 years

Nampa

• Population: 106,289
• Annual expenditures after Social Security: $42,859
• How long $1 million will last after Social Security: 23.3 years
• How long $1 million will last without Social Security: 15.1 years

Idaho Falls

• Population: 66,672
• Annual expenditures after Social Security: $36,328
• How long $1 million will last after Social Security: 27.5 years
• How long $1 million will last without Social Security: 16.7 years

Caldwell

• Population: 63,465
• Annual expenditures after Social Security: $42,859
• How long $1 million will last after Social Security: 23.3 years
• How long $1 million will last without Social Security: 15.1 years

In the five largest Illinois cities, $1 million will last you 22-38 years if you are also collecting Social Security. Without Social Security, you’re looking at 15-20 years.

Chicago

• Population: 2,707,648
• Annual expenditures after Social Security: $43,557
• How long $1 million will last after Social Security: 23 years
• How long $1 million will last without Social Security: 14.9 years

Aurora

• Population: 179,867
• Annual expenditures after Social Security: $37,025
• How long $1 million will last after Social Security: 27 years
• How long $1 million will last without Social Security: 16.5 years

Joliet

• Population: 149,785
• Annual expenditures after Social Security: $36,899
• How long $1 million will last after Social Security: 27.1 years
• How long $1 million will last without Social Security: 16.6 years

Naperville

• Population: 149,424
• Annual expenditures after Social Security: $45,078
• How long $1 million will last after Social Security: 22.2 years
• How long $1 million will last without Social Security: 14.6 years

Rockford

• Population: 147,649
• Annual expenditures after Social Security: $26,627
• How long $1 million will last after Social Security: 37.6 years
• How long $1 million will last without Social Security: 20 years

Without Social Security included, $1 million will cover you for 15-20 years in Indiana’s biggest cities. Add in Social Security, and the numbers bump to 23-38 years.

Indianapolis

• Population: 882,043
• Annual expenditures after Social Security: $30,875
• How long $1 million will last after Social Security: 32.4 years
• How long $1 million will last without Social Security: 18.4 years

Fort Wayne

• Population: 266,235
• Annual expenditures after Social Security: $28,529
• How long $1 million will last after Social Security: 35.1 years
• How long $1 million will last without Social Security: 19.2 years

Evansville

• Population: 116,411
• Annual expenditures after Social Security: $27,261
• How long $1 million will last after Social Security: 36.7 years
• How long $1 million will last without Social Security: 19.7 years

South Bend

• Population: 102,866
• Annual expenditures after Social Security: $26,627
• How long $1 million will last after Social Security: 37.6 years
• How long $1 million will last without Social Security: 20 years

Fishers

• Population: 100,918
• Annual expenditures after Social Security: $43,747
• How long $1 million will last after Social Security: 22.9 years
• How long $1 million will last without Social Security: 14.9 years

Based on the research, $1 million with Social Security will last you 32-41 years if you’re retiring in one of Iowa’s most populous cities. Without Social Security, the $1 million would last 18-21 years.

Des Moines

• Population: 212,464
• Annual expenditures after Social Security: $31,446
• How long $1 million will last after Social Security: 31.8 years
• How long $1 million will last without Social Security: 18.2 years

Cedar Rapids

• Population: 136,859
• Annual expenditures after Social Security: $28,402
• How long $1 million will last after Social Security: 35.2 years
• How long $1 million will last without Social Security: 19.3 years

Davenport

• Population: 101,083
• Annual expenditures after Social Security: $29,099
• How long $1 million will last after Social Security: 34.4 years
• How long $1 million will last without Social Security: 19 years

Sioux City

• Population: 85,651
• Annual expenditures after Social Security: $24,661
• How long $1 million will last after Social Security: 40.6 years
• How long $1 million will last without Social Security: 20.8 years

Iowa City

• Population: 75,264
• Annual expenditures after Social Security: $33,348
• How long $1 million will last after Social Security: 30 years
• How long $1 million will last without Social Security: 17.6 years

In the five largest cities in Kansas, how long $1 million will last in retirement ranges from 23 to 37 years. Without Social Security, you’re looking at 15-20 years.

Wichita

• Population: 396,488
• Annual expenditures after Social Security: $29,036
• How long $1 million will last after Social Security: 34.4 years
• How long $1 million will last without Social Security: 19.1 years

Overland Park

• Population: 197,199
• Annual expenditures after Social Security: $43,874
• How long $1 million will last after Social Security: 22.8 years
• How long $1 million will last without Social Security: 14.9 years

Kansas City

• Population: 154,776
• Annual expenditures after Social Security: $29,353
• How long $1 million will last after Social Security: 34.1 years
• How long $1 million will last without Social Security: 18.9 years

Olathe

• Population: 143,720
• Annual expenditures after Social Security: $43,874
• How long $1 million will last after Social Security: 22.8 years
• How long $1 million will last without Social Security: 14.9 years

Topeka

• Population: 126,103
• Annual expenditures after Social Security: $27,261
• How long $1 million will last after Social Security: 36.7 years
• How long $1 million will last without Social Security: 19.7 years

Without Social Security, $1 million will cover you for 17-19 years in Kentucky’s biggest cities. Add in Social Security, and the numbers bump to 30-35 years.

Louisville

• Population: 627,210
• Annual expenditures after Social Security: $33,475
• How long $1 million will last after Social Security: 29.9 years
• How long $1 million will last without Social Security: 17.6 years

Lexington

• Population: 321,122
• Annual expenditures after Social Security: $34,109
• How long $1 million will last after Social Security: 29.3 years
• How long $1 million will last without Social Security: 17.4 years

Bowling Green

• Population: 73,638
• Annual expenditures after Social Security: $30,685
• How long $1 million will last after Social Security: 32.6 years
• How long $1 million will last without Social Security: 18.5 years

Owensboro

• Population: 60,112
• Annual expenditures after Social Security: $28,339
• How long $1 million will last after Social Security: 35.3 years
• How long $1 million will last without Social Security: 19.3 years

Covington

• Population: 40,902
• Annual expenditures after Social Security: $33,158
• How long $1 million will last after Social Security: 30.2 years
• How long $1 million will last without Social Security: 17.7 years

You can go 24-39 years on $1 million if you’re retiring in one of the five biggest cities in Louisiana. If you take Social Security out, the timeline is more like 16-20 years.

New Orleans

• Population: 376,035
• Annual expenditures after Social Security: $40,957
• How long $1 million will last after Social Security: 24.4 years
• How long $1 million will last without Social Security: 15.5 years

Baton Rouge

• Population: 223,699
• Annual expenditures after Social Security: $35,631
• How long $1 million will last after Social Security: 28.1 years
• How long $1 million will last without Social Security: 16.9 years

Shreveport

• Population: 183,483
• Annual expenditures after Social Security: $25,802
• How long $1 million will last after Social Security: 38.8 years
• How long $1 million will last without Social Security: 20.3 years

Metairie

• Population: 138,995
• Annual expenditures after Social Security: $38,357
• How long $1 million will last after Social Security: 26.1 years
• How long $1 million will last without Social Security: 16.2 years

Lafayette

• Population: 121,537
• Annual expenditures after Social Security: $33,728
• How long $1 million will last after Social Security: 29.7 years
• How long $1 million will last without Social Security: 17.5 years

In Maine’s five largest cities, the range for how long $1 million will last in retirement spans 21-32 years. Without Social Security, you’re looking at 14-18 years.

Portland

• Population: 68,505
• Annual expenditures after Social Security: $47,868
• How long $1 million will last after Social Security: 20.9 years
• How long $1 million will last without Social Security: 14 years

Lewiston

• Population: 37,886
• Annual expenditures after Social Security: $34,109
• How long $1 million will last after Social Security: 29.3 years
• How long $1 million will last without Social Security: 17.4 years

Bangor

• Population: 31,683
• Annual expenditures after Social Security: $30,875
• How long $1 million will last after Social Security: 32.4 years
• How long $1 million will last without Social Security: 18.4 years

South Portland

• Population: 26,760
• Annual expenditures after Social Security: $47,868
• How long $1 million will last after Social Security: 20.9 years
• How long $1 million will last without Social Security: 14 years

Auburn

• Population: 24,294
• Annual expenditures after Social Security: $34,109
• How long $1 million will last after Social Security: 29.3 years
• How long $1 million will last without Social Security: 17.4 years

Without Social Security included, $1 million will cover you for 11-17 years in Maryland’s biggest cities. Add in Social Security, and the numbers bump to 16-28 years.

Baltimore

• Population: 577,193
• Annual expenditures after Social Security: $35,250
• How long $1 million will last after Social Security: 28.4 years
• How long $1 million will last without Social Security: 17 years

Columbia

• Population: 105,871
• Annual expenditures after Social Security: $57,633
• How long $1 million will last after Social Security: 17.4 years
• How long $1 million will last without Social Security: 12.3 years

Germantown

• Population: 90,521
• Annual expenditures after Social Security: $64,354
• How long $1 million will last after Social Security: 15.5 years
• How long $1 million will last without Social Security: 11.4 years

Waldorf

• Population: 82,541
• Annual expenditures after Social Security: $49,707
• How long $1 million will last after Social Security: 20.1 years
• How long $1 million will last without Social Security: 13.7 years

Silver Spring

• Population: 82,129
• Annual expenditures after Social Security: $64,354
• How long $1 million will last after Social Security: 15.5 years
• How long $1 million will last without Social Security: 11.4 years

With relatively high average annual expenditures in the five biggest cities in Massachusetts, $1 million may not last you long. Expect 14-27 years if you include Social Security, 10-16 years if you don’t.

Boston

• Population: 663,972
• Annual expenditures after Social Security: $72,154
• How long $1 million will last after Social Security: 13.9 years
• How long $1 million will last without Social Security: 10.5 years

Worcester

• Population: 205,501
• Annual expenditures after Social Security: $47,234
• How long $1 million will last after Social Security: 21.2 years
• How long $1 million will last without Social Security: 14.1 years

Springfield

• Population: 154,751
• Annual expenditures after Social Security: $37,533
• How long $1 million will last after Social Security: 26.6 years
• How long $1 million will last without Social Security: 16.4 years

Cambridge

• Population: 117,794
• Annual expenditures after Social Security: $68,286
• How long $1 million will last after Social Security: 14.6 years
• How long $1 million will last without Social Security: 10.9 years

Lowell

• Population: 114,799
• Annual expenditures after Social Security: $68,286
• How long $1 million will last after Social Security: 14.6 years
• How long $1 million will last without Social Security: 10.9 years

The data shows that $1 million will last you 23-29 years if you’re retiring in one of Michigan’s five biggest cities and have Social Security income as well. If you leave Social Security out, your savings will last more like 15-17 years.

Detroit

• Population: 636,644
• Annual expenditures after Social Security: $34,743
• How long $1 million will last after Social Security: 28.8 years
• How long $1 million will last without Social Security: 17.2 years

Grand Rapids

• Population: 197,788
• Annual expenditures after Social Security: $36,455
• How long $1 million will last after Social Security: 27.4 years
• How long $1 million will last without Social Security: 16.7 years

Warren

• Population: 138,128
• Annual expenditures after Social Security: $38,611
• How long $1 million will last after Social Security: 25.9 years
• How long $1 million will last without Social Security: 16.1 years

Sterling Heights

• Population: 133,473
• Annual expenditures after Social Security: $38,611
• How long $1 million will last after Social Security: 25.9 years
• How long $1 million will last without Social Security: 16.1 years

Ann Arbor

• Population: 121,179
• Annual expenditures after Social Security: $43,430
• How long $1 million will last after Social Security: 23 years
• How long $1 million will last without Social Security: 15 years

In Minnesota’s five largest cities, $1 million will last 22-33 years. Without Social Security, you’re looking at 15-19 years.

Minneapolis

• Population: 426,845
• Annual expenditures after Social Security: $44,508
• How long $1 million will last after Social Security: 22.5 years
• How long $1 million will last without Social Security: 14.7 years

St. Paul

• Population: 307,762
• Annual expenditures after Social Security: $41,401
• How long $1 million will last after Social Security: 24.2 years
• How long $1 million will last without Social Security: 15.4 years

Rochester

• Population: 121,638
• Annual expenditures after Social Security: $36,265
• How long $1 million will last after Social Security: 27.6 years
• How long $1 million will last without Social Security: 16.7 years

Bloomington

• Population: 88,838
• Annual expenditures after Social Security: $44,508
• How long $1 million will last after Social Security: 22.5 years
• How long $1 million will last without Social Security: 14.7 years

Duluth

• Population: 86,863
• Annual expenditures after Social Security: $30,241
• How long $1 million will last after Social Security: 33.1 years
• How long $1 million will last without Social Security: 18.6 years

Relatively low average annual expenditures mean $1 million and Social Security can cover you for 30-40 years in Mississippi’s largest cities. Even without Social Security, $1 million could stretch for 17-21 years.

Jackson

• Population: 149,827
• Annual expenditures after Social Security: $24,788
• How long $1 million will last after Social Security: 40.3 years
• How long $1 million will last without Social Security: 20.7 years

Gulfport

• Population: 72,533
• Annual expenditures after Social Security: $28,909
• How long $1 million will last after Social Security: 34.6 years
• How long $1 million will last without Social Security: 19.1 years

Southaven

• Population: 55,531
• Annual expenditures after Social Security: $34,679
• How long $1 million will last after Social Security: 28.8 years
• How long $1 million will last without Social Security: 17.2 years

Biloxi

• Population: 49,011
• Annual expenditures after Social Security: $28,909
• How long $1 million will last after Social Security: 34.6 years
• How long $1 million will last without Social Security: 19.1 years

Hattiesburg

• Population: 48,507
• Annual expenditures after Social Security: $25,612
• How long $1 million will last after Social Security: 39 years
• How long $1 million will last without Social Security: 20 years

Without Social Security included, $1 million will cover you for 18-19 years in Missouri’s biggest cities. Add in Social Security, and the numbers bump to 30-34 years.

Kansas City

• Population: 508,233
• Annual expenditures after Social Security: $32,587
• How long $1 million will last after Social Security: 30.7 years
• How long $1 million will last without Social Security: 17.8 years

St. Louis

• Population: 293,109
• Annual expenditures after Social Security: $29,860
• How long $1 million will last after Social Security: 33.5 years
• How long $1 million will last without Social Security: 18.8 years

Springfield

• Population: 169,432
• Annual expenditures after Social Security: $29,860
• How long $1 million will last after Social Security: 33.5 years
• How long $1 million will last without Social Security: 18.8 years

Columbia

• Population: 127,200
• Annual expenditures after Social Security: $33,601
• How long $1 million will last after Social Security: 29.8 years
• How long $1 million will last without Social Security: 17.5 years

Independence

• Population: 121,944
• Annual expenditures after Social Security: $32,587
• How long $1 million will last after Social Security: 30.7 years
• How long $1 million will last without Social Security: 17.8 years

Based on the data, $1 million and Social Security will last you 18-37 years if you’re retiring in one of the five biggest cities in Montana. If Social Security is not part of the calculation, your savings will go 13-20 years.

Billings

• Population: 118,321
• Annual expenditures after Social Security: $36,518
• How long $1 million will last after Social Security: 27.9 years
• How long $1 million will last without Social Security: 16.7 years

Missoula

• Population: 75,600
• Annual expenditures after Social Security: $48,058
• How long $1 million will last after Social Security: 20.8 years
• How long $1 million will last without Social Security: 14 years

Great Falls

• Population: 60,412
• Annual expenditures after Social Security: $32,270
• How long $1 million will last after Social Security: 31 years
• How long $1 million will last without Social Security: 17.9 years

Bozeman

• Population: 55,042
• Annual expenditures after Social Security: $56,238
• How long $1 million will last after Social Security: 17.8 years
• How long $1 million will last without Social Security: 12.6 years

Butte-Silver Bow

• Population: 34,929
• Annual expenditures after Social Security: $27,007
• How long $1 million will last after Social Security: 37 years
• How long $1 million will last without Social Security: 19.8 years

In Nebraska’s five largest cities, $1 million will last 27-34 years. Without Social Security, you’re looking at 17-19 years.

Omaha

• Population: 488,197
• Annual expenditures after Social Security: $34,109
• How long $1 million will last after Social Security: 29.3 years
• How long $1 million will last without Social Security: 17.4 years

Lincoln

• Population: 291,932
• Annual expenditures after Social Security: $35,250
• How long $1 million will last after Social Security: 28.4 years
• How long $1 million will last without Social Security: 17 years

Bellevue

• Population: 64,355
• Annual expenditures after Social Security: $36,899
• How long $1 million will last after Social Security: 27.1 years
• How long $1 million will last without Social Security: 16.6 years

Grand Island

• Population: 52,761
• Annual expenditures after Social Security: $29,607
• How long $1 million will last after Social Security: 33.8 years
• How long $1 million will last without Social Security: 18.8 years

Kearney

• Population: 34,024
• Annual expenditures after Social Security: $32,397
• How long $1 million will last after Social Security: 30.8 years
• How long $1 million will last without Social Security: 17.9 years

Without Social Security included, $1 million will cover you for 13-14 years in Nevada’s biggest cities. Add in Social Security, and your money will last 19-21 years.

Las Vegas

• Population: 650,873
• Annual expenditures after Social Security: $46,663
• How long $1 million will last after Social Security: 21.4 years
• How long $1 million will last without Social Security: 14.3 years

Henderson

• Population: 324,523
• Annual expenditures after Social Security: $46,600
• How long $1 million will last after Social Security: 21.46 years
• How long $1 million will last without Social Security: 14.27 years

North Las Vegas

• Population: 270,773
• Annual expenditures after Social Security: $46,663
• How long $1 million will last after Social Security: 21.4 years
• How long $1 million will last without Social Security: 14.3 years

Reno

• Population: 268,959
• Annual expenditures after Social Security: $51,736
• How long $1 million will last after Social Security: 19.3 years
• How long $1 million will last without Social Security: 13.3 years

Enterprise

• Population: 232,043
• Annual expenditures after Social Security: $46,663
• How long $1 million will last after Social Security: 21.4 years
• How long $1 million will last without Social Security: 14.3 years

Research shows that $1 million will last you 21-25 years if you’re retiring on Social Security in one of New Hampshire’s largest cities. If Social Security is not part of the equation, it would be more like 14-16 years.

Manchester

• Population: 115,415
• Annual expenditures after Social Security: $46,727
• How long $1 million will last after Social Security: 21.4 years
• How long $1 million will last without Social Security: 14.3 years

Nashua

• Population: 91,131
• Annual expenditures after Social Security: $46,727
• How long $1 million will last after Social Security: 21.4 years
• How long $1 million will last without Social Security: 14.3 years

Concord

• Population: 44,219
• Annual expenditures after Social Security: $40,196
• How long $1 million will last after Social Security: 24.9 years
• How long $1 million will last without Social Security: 15.7 years

Dover

• Population: 33,070
• Annual expenditures after Social Security: $41,718
• How long $1 million will last after Social Security: 24 years
• How long $1 million will last without Social Security: 15.3 years

Rochester

• Population: 32,866
• Annual expenditures after Social Security: $41,718
• How long $1 million will last after Social Security: 24 years
• How long $1 million will last without Social Security: 15.3 years

In New Jersey’s five largest cities, $1 million will last 15-21 years. Without Social Security, you’re looking at 11-14 years.

Newark

• Population: 307,188
• Annual expenditures after Social Security: $62,135
• How long $1 million will last after Social Security: 16.1 years
• How long $1 million will last without Social Security: 11.7 years

Jersey City

• Population: 289,691
• Annual expenditures after Social Security: $64,988
• How long $1 million will last after Social Security: 15.4 years
• How long $1 million will last without Social Security: 11.3 years

Paterson

• Population: 157,660
• Annual expenditures after Social Security: $55,667
• How long $1 million will last after Social Security: 18 years
• How long $1 million will last without Social Security: 12.6 years

Elizabeth

• Population: 135,887
• Annual expenditures after Social Security: $58,648
• How long $1 million will last after Social Security: 17.1 years
• How long $1 million will last without Social Security: 12.2 years

Toms River

• Population: 93,915
• Annual expenditures after Social Security: $47,488
• How long $1 million will last after Social Security: 21 years
• How long $1 million will last without Social Security: 14.1 years

Relatively low average annual expenditures mean $1 million and Social Security can cover you for 21-46 years in New Mexico’s largest cities. Even without Social Security, $1 million could stretch for 14-22 years.

Albuquerque

• Population: 562,488
• Annual expenditures after Social Security: $34,870
• How long $1 million will last after Social Security: 26.7 years
• How long $1 million will last without Social Security: 17.1 years

Las Cruces

• Population: 112,612
• Annual expenditures after Social Security: $29,480
• How long $1 million will last after Social Security: 33.9 years
• How long $1 million will last without Social Security: 18.9 years

Rio Rancho

• Population: 106,533
• Annual expenditures after Social Security: $36,708
• How long $1 million will last after Social Security: 27.2 years
• How long $1 million will last without Social Security: 16.6 years

Santa Fe

• Population: 88,224
• Annual expenditures after Social Security: $47,551
• How long $1 million will last after Social Security: 21 years
• How long $1 million will last without Social Security: 14 years

Roswell

• Population: 47,823
• Annual expenditures after Social Security: $21,681
• How long $1 million will last after Social Security: 46.1 years
• How long $1 million will last without Social Security: 22.2 years

The cost of living in New York’s largest cities varies widely. In New York City or Yonkers, $1 million and Social Security will last you 11-12 years. In the three other cities, the range is 29-31 years.

New York

• Population: 8,516,202
• Annual expenditures after Social Security: $85,913
• How long $1 million will last after Social Security: 11.6 years
• How long $1 million will last without Social Security: 9.1 years

Buffalo

• Population: 276,397
• Annual expenditures after Social Security: $34,933
• How long $1 million will last after Social Security: 28.6 years
• How long $1 million will last without Social Security: 17.1 years

Rochester

• Population: 209,720
• Annual expenditures after Social Security: $32,714
• How long $1 million will last after Social Security: 30.6 years
• How long $1 million will last without Social Security: 17.8 years

Yonkers

• Population: 209,529
• Annual expenditures after Social Security: $76,085
• How long $1 million will last after Social Security: 13.1 years
• How long $1 million will last without Social Security: 10.1 years

Syracuse

• Population: 146,211
• Annual expenditures after Social Security: $31,953
• How long $1 million will last after Social Security: 31.3 years
• How long $1 million will last without Social Security: 18 years

In North Carolina’s five largest cities, the range for how long $1 million will last in retirement spans 23-33 years. Without Social Security, you’re looking at 15-19 years.

Charlotte

• Population: 886,283
• Annual expenditures after Social Security: $41,527
• How long $1 million will last after Social Security: 24.1 years
• How long $1 million will last without Social Security: 15.4 years

Raleigh

• Population: 470,763
• Annual expenditures after Social Security: $43,620
• How long $1 million will last after Social Security: 22.9 years
• How long $1 million will last without Social Security: 14.9 years

Greensboro

• Population: 298,564
• Annual expenditures after Social Security: $29,924
• How long $1 million will last after Social Security: 33.4 years
• How long $1 million will last without Social Security: 18.7 years

Durham

• Population: 284,465
• Annual expenditures after Social Security: $39,181
• How long $1 million will last after Social Security: 25.5 years
• How long $1 million will last without Social Security: 16 years

Winston-Salem

• Population: 250,887
• Annual expenditures after Social Security: $29,987
• How long $1 million will last after Social Security: 33.4 years
• How long $1 million will last without Social Security: 18.7 years

If you’re retiring in one of the five biggest cities in North Dakota, $1 million will last you 27-33 years. Without Social Security, it would be more like 17-19 years.

Fargo

• Population: 129,064
• Annual expenditures after Social Security: $33,982
• How long $1 million will last after Social Security: 29.4 years
• How long $1 million will last without Social Security: 17.4 years

Bismarck

• Population: 74,146
• Annual expenditures after Social Security: $36,899
• How long $1 million will last after Social Security: 27.1 years
• How long $1 million will last without Social Security: 16.6 years

Grand Forks

• Population: 58,882
• Annual expenditures after Social Security: $30,431
• How long $1 million will last after Social Security: 32.9 years
• How long $1 million will last without Social Security: 18.6 years

Minot

• Population: 47,922
• Annual expenditures after Social Security: $30,494
• How long $1 million will last after Social Security: 32.8 years
• How long $1 million will last without Social Security: 18.5 years

West Fargo

• Population: 39,325
• Annual expenditures after Social Security: $33,982
• How long $1 million will last after Social Security: 29.4 years
• How long $1 million will last without Social Security: 17.4 years

In Ohio’s five largest cities, $1 million will last 29-39 years if you are taking in Social Security as well. Without Social Security, you’re looking at 17-20 years.

Columbus

• Population: 906,480
• Annual expenditures after Social Security: $34,489
• How long $1 million will last after Social Security: 29 years
• How long $1 million will last without Social Security: 17.3 years

Cleveland

• Population: 367,523
• Annual expenditures after Social Security: $29,163
• How long $1 million will last after Social Security: 34.3 years
• How long $1 million will last without Social Security: 19 years

Cincinnati

• Population: 309,595
• Annual expenditures after Social Security: $32,524
• How long $1 million will last after Social Security: 30.8 years
• How long $1 million will last without Social Security: 17.9 years

Toledo

• Population: 268,461
• Annual expenditures after Social Security: $25,612
• How long $1 million will last after Social Security: 39 years
• How long $1 million will last without Social Security: 20.4 years

Akron

• Population: 189,526
• Annual expenditures after Social Security: $27,768
• How long $1 million will last after Social Security: 36 years
• How long $1 million will last without Social Security: 19.5 years

Without Social Security included, $1 million will cover you for 18 years in Oklahoma’s biggest cities. Add in Social Security, and the numbers balloon to 31-33 years.

Oklahoma City

• Population: 688,693
• Annual expenditures after Social Security: $30,748
• How long $1 million will last after Social Security: 32.5 years
• How long $1 million will last without Social Security: 18.5 years

Tulsa

• Population: 412,322
• Annual expenditures after Social Security: $30,621
• How long $1 million will last after Social Security: 32.7 years
• How long $1 million will last without Social Security: 18.5 years

Norman

• Population: 128,714
• Annual expenditures after Social Security: $32,587
• How long $1 million will last after Social Security: 30.7 years
• How long $1 million will last without Social Security: 17.8 years

Broken Arrow

• Population: 115,919
• Annual expenditures after Social Security: $30,621
• How long $1 million will last after Social Security: 32.7 years
• How long $1 million will last without Social Security: 18.5 years

Edmond

• Population: 95,618
• Annual expenditures after Social Security: $32,650
• How long $1 million will last after Social Security: 30.6 years
• How long $1 million will last without Social Security: 17.8 years

According to the data, $1 million and Social Security will last you 17-24 years if you’re retiring in one of Oregon’s five largest cities. If you leave Social Security out, the million dollars would last 12-15 years.

Portland

• Population: 642,715
• Annual expenditures after Social Security: $57,506
• How long $1 million will last after Social Security: 17.4 years
• How long $1 million will last without Social Security: 12.4 years

Eugene

• Population: 177,520
• Annual expenditures after Social Security: $44,127
• How long $1 million will last after Social Security: 22.7 years
• How long $1 million will last without Social Security: 14.8 years

Salem

• Population: 176,666
• Annual expenditures after Social Security: $42,479
• How long $1 million will last after Social Security: 23.5 years
• How long $1 million will last without Social Security: 15.2 years

Gresham

• Population: 112,818
• Annual expenditures after Social Security: $57,506
• How long $1 million will last after Social Security: 17.4 years
• How long $1 million will last without Social Security: 12.4 years

Hillsboro

• Population: 107,050
• Annual expenditures after Social Security: $57,760
• How long $1 million will last after Social Security: 17.3 years
• How long $1 million will last without Social Security: 12.3 years

In Pennsylvania’s five largest cities, $1 million will last 23-36 years with Social Security. Without Social Security, you’re looking at 15-20 years.

Philadelphia

• Population: 1,582,432
• Annual expenditures after Social Security: $42,669
• How long $1 million will last after Social Security: 23.4 years
• How long $1 million will last without Social Security: 15.1 years

Pittsburgh

• Population: 303,620
• Annual expenditures after Social Security: $34,743
• How long $1 million will last after Social Security: 28.9 years
• How long $1 million will last without Social Security: 17.2 years

Allentown

• Population: 125,320
• Annual expenditures after Social Security: $38,611
• How long $1 million will last after Social Security: 25.9 years
• How long $1 million will last without Social Security: 16.1 years

Reading

• Population: 94,836
• Annual expenditures after Social Security: $36,138
• How long $1 million will last after Social Security: 27.7 years
• How long $1 million will last without Social Security: 16.8 years

Erie

• Population: 94,156
• Annual expenditures after Social Security: $27,768
• How long $1 million will last after Social Security: 36 years
• How long $1 million will last without Social Security: 19.5 years

Without Social Security included, $1 million will cover you for 15 years in Rhode Island’s biggest cities. Add in Social Security, and the numbers bump to 22-23 years.

Providence

• Population: 190,214
• Annual expenditures after Social Security: $45,522
• How long $1 million will last after Social Security: 22 years
• How long $1 million will last without Social Security: 14.5 years

Warwick

• Population: 82,871
• Annual expenditures after Social Security: $43,747
• How long $1 million will last after Social Security: 22.9 years
• How long $1 million will last without Social Security: 14.9 years

Cranston

• Population: 82,632
• Annual expenditures after Social Security: $45,522
• How long $1 million will last after Social Security: 22 years
• How long $1 million will last without Social Security: 14.5 years

Pawtucket

• Population: 75,280
• Annual expenditures after Social Security: $45,522
• How long $1 million will last after Social Security: 22 years
• How long $1 million will last without Social Security: 14.5 years

East Providence

• Population: 46,970
• Annual expenditures after Social Security: $45,522
• How long $1 million will last after Social Security: 22 years
• How long $1 million will last without Social Security: 14.5 years

If you’re retiring in one of the largest cities in South Carolina, $1 million (and Social Security) will last you 21-31 years. If Social Security is not included, the savings would last 14-18 years.

Charleston

• Population: 152,014
• Annual expenditures after Social Security: $47,551
• How long $1 million will last after Social Security: 21 years
• How long $1 million will last without Social Security: 14.1 years

Columbia

• Population: 138,019
• Annual expenditures after Social Security: $31,953
• How long $1 million will last after Social Security: 31.3 years
• How long $1 million will last without Social Security: 18 years

North Charleston

• Population: 117,460
• Annual expenditures after Social Security: $47,551
• How long $1 million will last after Social Security: 21 years
• How long $1 million will last without Social Security: 14.1 years

Mount Pleasant

• Population: 92,662
• Annual expenditures after Social Security: $47,551
• How long $1 million will last after Social Security: 21 years
• How long $1 million will last without Social Security: 14.1 years

Rock Hill

• Population: 74,769
• Annual expenditures after Social Security: $40,196
• How long $1 million will last after Social Security: 24.9 years
• How long $1 million will last without Social Security: 15.7 years

Relatively low average annual expenditures mean $1 million and Social Security can cover you for 26-38 years in South Dakota’s largest cities. Even without Social Security, $1 million could stretch for 16-20 years.

Sioux Falls

• Population: 197,642
• Annual expenditures after Social Security: $34,045
• How long $1 million will last after Social Security: 29.4 years
• How long $1 million will last without Social Security: 17.4 years

Rapid City

• Population: 76,836
• Annual expenditures after Social Security: $38,547
• How long $1 million will last after Social Security: 25.9 years
• How long $1 million will last without Social Security: 16.1 years

Aberdeen

• Population: 28,297
• Annual expenditures after Social Security: $26,246
• How long $1 million will last after Social Security: 38.1 years
• How long $1 million will last without Social Security: 20.1 years

Brookings

• Population: 23,710
• Annual expenditures after Social Security: $29,987
• How long $1 million will last after Social Security: 33.4 years
• How long $1 million will last without Social Security: 18.7 years

Watertown

• Population: 22,859
• Annual expenditures after Social Security: $30,114
• How long $1 million will last after Social Security: 33.2 years
• How long $1 million will last without Social Security: 18.7 years

In Tennessee’s five largest cities, the range for how long $1 million will last in retirement spans 23-32 years. Without Social Security, you’re looking at 15-18 years.

Nashville

• Population: 684,298
• Annual expenditures after Social Security: $42,922
• How long $1 million will last after Social Security: 23.3 years
• How long $1 million will last without Social Security: 15.1 years

Memphis

• Population: 629,063
• Annual expenditures after Social Security: $30,938
• How long $1 million will last after Social Security: 32.3 years
• How long $1 million will last without Social Security: 18.4 years

Knoxville

• Population: 193,721
• Annual expenditures after Social Security: $34,743
• How long $1 million will last after Social Security: 28.8 years
• How long $1 million will last without Social Security: 17.2 years

Chattanooga

• Population: 182,832
• Annual expenditures after Social Security: $33,411
• How long $1 million will last after Social Security: 29.9 years
• How long $1 million will last without Social Security: 17.6 years

Clarksville

• Population: 171,897
• Annual expenditures after Social Security: $33,031
• How long $1 million will last after Social Security: 30.3 years
• How long $1 million will last without Social Security: 17.7 years

Without Social Security included, $1 million will cover you for 12-17 years in the five biggest cities in Texas. Add in Social Security, and the numbers bump to 17-29 years.

Houston

• Population: 2,300,419
• Annual expenditures after Social Security: $37,977
• How long $1 million will last after Social Security: 26.3 years
• How long $1 million will last without Social Security: 16.3 years

San Antonio

• Population: 1,458,954
• Annual expenditures after Social Security: $34,426
• How long $1 million will last after Social Security: 29.1 years
• How long $1 million will last without Social Security: 17.3 years

Dallas

• Population: 1,299,533
• Annual expenditures after Social Security: $40,069
• How long $1 million will last after Social Security: 25 years
• How long $1 million will last without Social Security: 15.7 years

Austin

• Population: 967,862
• Annual expenditures after Social Security: $40,069
• How long $1 million will last after Social Security: 25 years
• How long $1 million will last without Social Security: 15.7 years

Fort Worth

• Population: 941,311
• Annual expenditures after Social Security: $40,893
• How long $1 million will last after Social Security: 24.5 years
• How long $1 million will last without Social Security: 15.5 years

If you’re retiring in one of Utah’s largest cities, you can get by on $1 million plus Social Security for 18-22 years. It drops to 13-14 years witout Social Security.

Salt Lake City

• Population: 203,888
• Annual expenditures after Social Security: $53,448
• How long $1 million will last after Social Security: 18.7 years
• How long $1 million will last without Social Security: 13 years

West Valley City

• Population: 137,955
• Annual expenditures after Social Security: $53,448
• How long $1 million will last after Social Security: 18.7 years
• How long $1 million will last without Social Security: 13 years

West Jordan

• Population: 116,277
• Annual expenditures after Social Security: $53,448
• How long $1 million will last after Social Security: 18.7 years
• How long $1 million will last without Social Security: 13 years

Provo

• Population: 114,303
• Annual expenditures after Social Security: $50,848
• How long $1 million will last after Social Security: 19.7 years
• How long $1 million will last without Social Security: 13.5 years

St. George

• Population: 99,184
• Annual expenditures after Social Security: $46,220
• How long $1 million will last after Social Security: 21.6 years
• How long $1 million will last without Social Security: 14.4 years

In Vermont’s five largest cities, $1 million will last in retirement for 21-30 years. Without Social Security, you’re looking at 14-18 years.

Burlington

• Population: 44,649
• Annual expenditures after Social Security: $47,805
• How long $1 million will last after Social Security: 20.9 years
• How long $1 million will last without Social Security: 14 years

South Burlington

• Population: 20,488
• Annual expenditures after Social Security: $47,805
• How long $1 million will last after Social Security: 20.9 years
• How long $1 million will last without Social Security: 14 years

Rutland

• Population: 15,747
• Annual expenditures after Social Security: $33,665
• How long $1 million will last after Social Security: 29.7 years
• How long $1 million will last without Social Security: 17.5 years

Essex Junction

• Population: 10,720
• Annual expenditures after Social Security: $47,805
• How long $1 million will last after Social Security: 20.9 years
• How long $1 million will last without Social Security: 14 years

Bennington

• Population: 8,888
• Annual expenditures after Social Security: $36,265
• How long $1 million will last after Social Security: 27.6 years
• How long $1 million will last without Social Security: 16.7 years

Without Social Security included, $1 million will cover you for 10-17 years in Virginia’s biggest cities. Add in Social Security, and the numbers bump to 12-29 years.

Virginia Beach

• Population: 457,066
• Annual expenditures after Social Security: $42,986
• How long $1 million will last after Social Security: 23.3 years
• How long $1 million will last without Social Security: 15.1 years

Chesapeake

• Population: 251,153
• Annual expenditures after Social Security: $42,162
• How long $1 million will last after Social Security: 23.7 years
• How long $1 million will last without Social Security: 15.2 years

Arlington

• Population: 235,463
• Annual expenditures after Social Security: $80,714
• How long $1 million will last after Social Security: 12.4 years
• How long $1 million will last without Social Security: 9.6 years

Norfolk

• Population: 235,037
• Annual expenditures after Social Security: $34,489
• How long $1 million will last after Social Security: 29 years
• How long $1 million will last without Social Security: 17.3 years

Richmond

• Population: 227,595
• Annual expenditures after Social Security: $36,899
• How long $1 million will last after Social Security: 27.1 years
• How long $1 million will last without Social Security: 16.6 years

If you’re retiring in one of Washington state’s five biggest cities, $1 million (with Social Security) will last you 13-24 years. It drops to 10-15 years if you are not drawing Social Security.

Seattle

• Population: 741,440
• Annual expenditures after Social Security: $76,782
• How long $1 million will last after Social Security: 13 years
• How long $1 million will last without Social Security: 10 years

Spokane

• Population: 229,228
• Annual expenditures after Social Security: $41,908
• How long $1 million will last after Social Security: 23.9 years
• How long $1 million will last without Social Security: 15.3 years

Tacoma

• Population: 220,482
• Annual expenditures after Social Security: $54,336
• How long $1 million will last after Social Security: 18.4 years
• How long $1 million will last without Social Security: 12.9 years

Vancouver

• Population: 192,696
• Annual expenditures after Social Security: $54,399
• How long $1 million will last after Social Security: 18.4 years
• How long $1 million will last without Social Security: 12.8 years

Bellevue

• Population: 151,199
• Annual expenditures after Social Security: $76,782
• How long $1 million will last after Social Security: 13 years
• How long $1 million will last without Social Security: 10 years

Relatively low average annual expenditures mean $1 million and Social Security can cover you for 30-40 years in West Virginia’s largest cities. Even without Social Security, $1 million could stretch for 18-21 years.

Charleston

• Population: 47,918
• Annual expenditures after Social Security: $28,085
• How long $1 million will last after Social Security: 35.6 years
• How long $1 million will last without Social Security: 19.4 years

Huntington

• Population: 46,189
• Annual expenditures after Social Security: $26,627
• How long $1 million will last after Social Security: 37.6 years
• How long $1 million will last without Social Security: 20 years

Morgantown

• Population: 30,273
• Annual expenditures after Social Security: $33,475
• How long $1 million will last after Social Security: 29.9 years
• How long $1 million will last without Social Security: 17.6 years

Parkersburg

• Population: 29,461
• Annual expenditures after Social Security: $25,929
• How long $1 million will last after Social Security: 38.6 years
• How long $1 million will last without Social Security: 20.3 years

Wheeling

• Population: 26,670
• Annual expenditures after Social Security: $25,295
• How long $1 million will last after Social Security: 39.5 years
• How long $1 million will last without Social Security: 20.5 years

In Wisconsin’s five largest cities, $1 million will last 24-32 years. Without Social Security, you’re looking at 15-18 years.

Milwaukee

• Population: 569,756
• Annual expenditures after Social Security: $32,333
• How long $1 million will last after Social Security: 30.9 years
• How long $1 million will last without Social Security: 17.9 years

Madison

• Population: 275,586
• Annual expenditures after Social Security: $42,098
• How long $1 million will last after Social Security: 23.8 years
• How long $1 million will last without Social Security: 15.3 years

Green Bay

• Population: 106,585
• Annual expenditures after Social Security: $31,129
• How long $1 million will last after Social Security: 32.1 years
• How long $1 million will last without Social Security: 18.3 years

Kenosha

• Population: 99,147
• Annual expenditures after Social Security: $34,109
• How long $1 million will last after Social Security: 29.3 years
• How long $1 million will last without Social Security: 17.4 years

Racine

• Population: 77,155
• Annual expenditures after Social Security: $31,192
• How long $1 million will last after Social Security: 32.1 years
• How long $1 million will last without Social Security: 18.3 years

If you’re retiring in one of the biggest cities in Wyoming, $1 million along with Social Security will last you 25-28 years. If you leave Social Security out of the equation, the numbers shrink to 16-17 years.

Cheyenne

• Population: 64,976
• Annual expenditures after Social Security: $40,132
• How long $1 million will last after Social Security: 24.9 years
• How long $1 million will last without Social Security: 15.7 years

Casper

• Population: 58,754
• Annual expenditures after Social Security: $36,708
• How long $1 million will last after Social Security: 27.2 years
• How long $1 million will last without Social Security: 16.6 years

Gillette

• Population: 33,278
• Annual expenditures after Social Security: $38,801
• How long $1 million will last after Social Security: 25.8 years
• How long $1 million will last without Social Security: 16.1 years

Laramie

• Population: 31,848
• Annual expenditures after Social Security: $35,821
• How long $1 million will last after Social Security: 27.9 years
• How long $1 million will last without Social Security: 16.9 years

Rock Springs

• Population: 23,229
• Annual expenditures after Social Security: $36,138
• How long $1 million will last after Social Security: 27.7 years
• How long $1 million will last without Social Security: 16.8 years

Methodology: GOBankingRates identified each state’s five most populous cities using the 2023 American Community Survey conducted by the U.S. Census Bureau. It then calculated the national average annual expenditures for individuals aged 65 and older, based on the Bureau of Labor Statistics’ 2023 Consumer Expenditure Survey, adjusted to 2025 dollars via the BLS CPI inflation calculator, and paired that with annual Social Security income figures from the Social Security Administration’s August 2025 data. Using Sperling’s BestPlaces cost-of-living index, GOBankingRates estimated city-level annual expenditures by scaling the national average to each city’s index score. It then calculated how many years $1 million would last in each location by dividing that amount by both the full annual expenditure and the expenditure minus Social Security income. All data was collected on Nov. 20, 2025.