The Biggest Expenses for Retirees in Every State

No matter where you retire in the U.S., the two largest expenses for the typical retiree are housing and healthcare. Additionally, transportation and groceries can use up a significant portion of your retirement income.

How much you pay for these expenses will vary widely from state to state — for example, the average annual cost of housing for a retiree ranges from $7,822 in West Virginia to $36,608 in Hawaii.

Here’s a look at the costs of these major expenses for retirees in every state.

• Average annual housing costs: $8,184
• Average annual healthcare costs: $6,560
• Average annual transportation costs: $4,488
• Average annual grocery costs: $4,610

• Average annual housing costs: $14,323
• Average annual healthcare costs: $11,167
• Average annual transportation costs: $5,699
• Average annual grocery costs: $5,924

• Average annual housing costs: $14,510
• Average annual healthcare costs: $7,073
• Average annual transportation costs: $5,245
• Average annual grocery costs: $4,903

• Average annual housing costs: $8,722
• Average annual healthcare costs: $6,598
• Average annual transportation costs: $4,429
• Average annual grocery costs: $4,572

• Average annual housing costs: $23,244
• Average annual healthcare costs: $8,181
• Average annual transportation costs: $6,208
• Average annual grocery costs: $5,373

• Average annual housing costs: $13,282
• Average annual healthcare costs: $7,570
• Average annual transportation costs: $5,200
• Average annual grocery costs: $4,864

• Average annual housing costs: $14,334
• Average annual healthcare costs: $8,196
• Average annual transportation costs: $4,963
• Average annual grocery costs: $4,879

• Average annual housing costs: $11,341
• Average annual healthcare costs: $7,781
• Average annual transportation costs: $5,047
• Average annual grocery costs: $4,893

• Average annual housing costs: $12,429
• Average annual healthcare costs: $7,276
• Average annual transportation costs: $4,908
• Average annual grocery costs: $4,773

• Average annual housing costs: $9,143
• Average annual healthcare costs: $7,563
• Average annual transportation costs: $4,622
• Average annual grocery costs: $4,706

• Average annual housing costs: $36,608
• Average annual healthcare costs: $9,282
• Average annual transportation costs: $6,673
• Average annual grocery costs: $5,598

• Average annual housing costs: $11,224
• Average annual healthcare costs: $7,457
• Average annual transportation costs: $5,200
• Average annual grocery costs: $4,845

• Average annual housing costs: $9,330
• Average annual healthcare costs: $7,163
• Average annual transportation costs: $5,091
• Average annual grocery costs: $4,701

• Average annual housing costs: $8,863
• Average annual healthcare costs: $7,269
• Average annual transportation costs: $4,716
• Average annual grocery costs: $4,725

• Average annual housing costs: $8,664
• Average annual healthcare costs: $7,495
• Average annual transportation costs: $4,874
• Average annual grocery costs: $4,634

• Average annual housing costs: $7,880
• Average annual healthcare costs: $7,306
• Average annual transportation costs: $4,454
• Average annual grocery costs: $4,663

• Average annual housing costs: $8,617
• Average annual healthcare costs: $6,311
• Average annual transportation costs: $4,548
• Average annual grocery costs: $4,859

• Average annual housing costs: $9,541
• Average annual healthcare costs: $7,442
• Average annual transportation costs: $4,735
• Average annual grocery costs: $4,557

• Average annual housing costs: $13,726
• Average annual healthcare costs: $7,759
• Average annual transportation costs: $5,388
• Average annual grocery costs: $4,883

• Average annual housing costs: $17,117
• Average annual healthcare costs: $7,344
• Average annual transportation costs: $4,859
• Average annual grocery costs: $5,104

• Average annual housing costs: $25,547
• Average annual healthcare costs: $8,513
• Average annual transportation costs: $5,808
• Average annual grocery costs: $5,051

• Average annual housing costs: $9,015
• Average annual healthcare costs: $7,035
• Average annual transportation costs: $4,780
• Average annual grocery costs: $4,739

• Average annual housing costs: $9,599
• Average annual healthcare costs: $8,234
• Average annual transportation costs: $4,805
• Average annual grocery costs: $4,711

• Average annual housing costs: $8,290
• Average annual healthcare costs: $7,419
• Average annual transportation costs: $4,335
• Average annual grocery costs: $4,663

• Average annual housing costs: $9,003
• Average annual healthcare costs: $6,778
• Average annual transportation costs: $4,493
• Average annual grocery costs: $4,572

• Average annual housing costs: $12,136
• Average annual healthcare costs: $7,367
• Average annual transportation costs: $5,388
• Average annual grocery costs: $4,917

• Average annual housing costs: $9,190
• Average annual healthcare costs: $7,382
• Average annual transportation costs: $4,943
• Average annual grocery costs: $4,596

• Average annual housing costs: $12,557
• Average annual healthcare costs: $6,914
• Average annual transportation costs: $5,764
• Average annual grocery costs: $4,936

• Average annual housing costs: $12,803
• Average annual healthcare costs: $8,535
• Average annual transportation costs: $5,432
• Average annual grocery costs: $4,893

• Average annual housing costs: $15,878
• Average annual healthcare costs: $7,487
• Average annual transportation costs: $5,175
• Average annual grocery costs: $4,922

• Average annual housing costs: $10,207
• Average annual healthcare costs: $7,487
• Average annual transportation costs: $4,681
• Average annual grocery costs: $4,624

• Average annual housing costs: $20,578
• Average annual healthcare costs: $8,023
• Average annual transportation costs: $5,240
• Average annual grocery costs: $4,951

• Average annual housing costs: $10,546
• Average annual healthcare costs: $8,151
• Average annual transportation costs: $4,538
• Average annual grocery costs: $4,706

• Average annual housing costs: $9,751
• Average annual healthcare costs: $8,384
• Average annual transportation costs: $4,908
• Average annual grocery costs: $4,519

• Average annual housing costs: $9,494
• Average annual healthcare costs: $7,382
• Average annual transportation costs: $4,963
• Average annual grocery costs: $4,864

• Average annual housing costs: $8,009
• Average annual healthcare costs: $6,982
• Average annual transportation costs: $4,577
• Average annual grocery costs: $4,528

• Average annual housing costs: $15,936
• Average annual healthcare costs: $7,940
• Average annual transportation costs: $5,764
• Average annual grocery costs: $5,219

• Average annual housing costs: $9,576
• Average annual healthcare costs: $7,110
• Average annual transportation costs: $5,220
• Average annual grocery costs: $4,773

• Average annual housing costs: $13,656
• Average annual healthcare costs: $8,121
• Average annual transportation costs: $4,572
• Average annual grocery costs: $4,879

• Average annual housing costs: $10,114
• Average annual healthcare costs: $7,125
• Average annual transportation costs: $4,488
• Average annual grocery costs: $4,759

• Average annual housing costs: $10,184
• Average annual healthcare costs: $7,382
• Average annual transportation costs: $4,814
• Average annual grocery costs: $4,653

• Average annual housing costs: $9,634
• Average annual healthcare costs: $6,643
• Average annual transportation costs: $4,384
• Average annual grocery costs: $4,687

• Average annual housing costs: $9,716
• Average annual healthcare costs: $7,080
• Average annual transportation costs: $4,538
• Average annual grocery costs: $4,591

• Average annual housing costs: $12,943
• Average annual healthcare costs: $6,861
• Average annual transportation costs: $5,195
• Average annual grocery costs: $4,763

• Average annual housing costs: $15,562
• Average annual healthcare costs: $7,992
• Average annual transportation costs: $5,284
• Average annual grocery costs: $5,027

• Average annual housing costs: $12,358
• Average annual healthcare costs: $7,706
• Average annual transportation costs: $4,686
• Average annual grocery costs: $4,826

• Average annual housing costs: $15,048
• Average annual healthcare costs: $9,078
• Average annual transportation costs: $6,095
• Average annual grocery costs: $5,267

• Average annual housing costs: $7,822
• Average annual healthcare costs: $7,284
• Average annual transportation costs: $4,646
• Average annual grocery costs: $4,720

• Average annual housing costs: $9,903
• Average annual healthcare costs: $8,467
• Average annual transportation costs: $4,839
• Average annual grocery costs: $4,759

• Average annual housing costs: $9,354
• Average annual healthcare costs: $7,548
• Average annual transportation costs: $4,666
• Average annual grocery costs: $4,907

Methodology: For this study, GOBankingRates found the largest expenditure costs for residents ages 65 and over in each state. First, GOBankingRates found the cost of living indexes for groceries, miscellaneous expenses, healthcare, housing and transportation. Using the average expenditure costs for residents ages 65 and over, as sourced from the Bureau of Labor Statistics 2022 Consumer Expenditure Survey for residents aged 65 and over, the average expenditure costs were calculated for each state. All data was collected and is up-to-date as of April 9, 2024.