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Cost of Living in the 41 States That Don’t Tax Social Security



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GOBankingRates recently broke down the 41 states in America that will not tax Social Security benefits for recipients in 2025. Currently, nine states will enter the new year still taxing benefits: Colorado, Connecticut, Minnesota, Montana, New Mexico, Rhode Island, Utah, Vermont and West Virginia.
If you’re one of the approximately 68 million Americans who receive Social Security benefits each month and are looking for a state in which to settle down for your golden years, you might be better served by living in one of the 41 states that won’t tax your benefits.
Before you do that, though, it pays to know the cost of living of each of those 41 states. GOBankingRates has everything you need to know before you make your decision.
Also see how long you could last on just Social Security in 50 cities.
Alabama
- Annual cost of living after Social Security: $28,524
- Annual housing cost: $8,114
- Annual utilities cost: $4,266
- Annual groceries cost: $4,658
- Annual healthcare cost: $6,575
Check Out: States To Move to If You Don’t Want To Pay Taxes on Social Security
Alaska
- Annual cost of living after Social Security: $49,916
- Annual housing cost: $14,124
- Annual utilities cost: $6,307
- Annual groceries cost: $6,068
- Annual healthcare cost: $11,544
Arizona
- Annual cost of living after Social Security: $41,475
- Annual housing cost: $15,024
- Annual utilities cost: $4,283
- Annual groceries cost: $4,893
- Annual healthcare cost: $7,057
Arkansas
- Annual cost of living after Social Security: $28,755
- Annual housing cost: $8,757
- Annual utilities cost: $3,842
- Annual groceries cost: $4,557
- Annual healthcare cost: $6,650
California
- Annual cost of living after Social Security: $61,422
- Annual housing cost: $24,518
- Annual utilities cost: $5,752
- Annual groceries cost: $5,387
- Annual healthcare cost: $7,970
Delaware
- Annual cost of living after Social Security: $35,924
- Annual housing cost: $11,341
- Annual utilities cost: $4,147
- Annual groceries cost: $4,888
- Annual healthcare cost: $7,668
Florida
- Annual cost of living after Social Security: $37,196
- Annual housing cost: $12,674
- Annual utilities cost: $4,486
- Annual groceries cost: $5,022
- Annual healthcare cost: $7,585
Georgia
- Annual cost of living after Social Security: $30,374
- Annual housing cost: $9,319
- Annual utilities cost: $3,982
- Annual groceries cost: $4,687
- Annual healthcare cost: $7,532
Hawaii
- Annual cost of living after Social Security: $85,243
- Annual housing cost: $36,619
- Annual utilities cost: $7,472
- Annual groceries cost: $5,953
- Annual healthcare cost: $9,199
Idaho
- Annual cost of living after Social Security: $36,040
- Annual housing cost: $11,797
- Annual utilities cost: $3,321
- Annual groceries cost: $4,965
- Annual healthcare cost: $7,352
Illinois
- Annual cost of living after Social Security: $31,530
- Annual housing cost: $9,611
- Annual utilities cost: $4,151
- Annual groceries cost: $4,687
- Annual healthcare cost: $7,532
Indiana
- Annual cost of living after Social Security: $29,796
- Annual housing cost: $9,096
- Annual utilities cost: $3,829
- Annual groceries cost: $4,682
- Annual healthcare cost: $7,336
Iowa
- Annual cost of living after Social Security: $29,680
- Annual housing cost: $8,780
- Annual utilities cost: $3,961
- Annual groceries cost: $4,639
- Annual healthcare cost: $7,261
Kansas
- Annual cost of living after Social Security: $28,061
- Annual housing cost: $8,711
- Annual utilities cost: $4,075
- Annual groceries cost: $4,586
- Annual healthcare cost: $7,434
Kentucky
- Annual cost of living after Social Security: $31,126
- Annual housing cost: $9,143
- Annual utilities cost: $3,690
- Annual groceries cost: $4,783
- Annual healthcare cost: $8,053
Louisiana
- Annual cost of living after Social Security: $30,836
- Annual housing cost: $9,891
- Annual utilities cost: $3,376
- Annual groceries cost: $4,596
- Annual healthcare cost: $7,125
Maine
- Annual cost of living after Social Security: $41,937
- Annual housing cost: $14,252
- Annual utilities cost: $4,698
- Annual groceries cost: $4,831
- Annual healthcare cost: $8,663
Maryland
- Annual cost of living after Social Security: $44,771
- Annual housing cost: $16,556
- Annual utilities cost: $4,638
- Annual groceries cost: $5,042
- Annual healthcare cost: $7,593
Massachusetts
- Annual cost of living after Social Security: $61,017
- Annual housing cost: $24,881
- Annual utilities cost: $6,312
- Annual groceries cost: $4,989
- Annual healthcare cost: $9,319
Michigan
- Annual cost of living after Social Security: $30,663
- Annual housing cost: $9,003
- Annual utilities cost: $4,109
- Annual groceries cost: $4,715
- Annual healthcare cost: $6,854
Mississippi
- Annual cost of living after Social Security: $28,639
- Annual housing cost: $8,792
- Annual utilities cost: $3,842
- Annual groceries cost: $4,610
- Annual healthcare cost: $7,593
Missouri
- Annual cost of living after Social Security: $28,755
- Annual housing cost: $9,085
- Annual utilities cost: $4,172
- Annual groceries cost: $4,581
- Annual healthcare cost: $6,876
Nebraska
- Annual cost of living after Social Security: $31,588
- Annual housing cost: $9,435
- Annual utilities cost: $3,834
- Annual groceries cost: $4,711
- Annual healthcare cost: $7,721
Nevada
- Annual cost of living after Social Security: $36,965
- Annual housing cost: $12,744
- Annual utilities cost: $4,562
- Annual groceries cost: $4,989
- Annual healthcare cost: $6,831
New Hampshire
- Annual cost of living after Social Security: $43,268
- Annual housing cost: $13,621
- Annual utilities cost: $4,393
- Annual groceries cost: $4,778
- Annual healthcare cost: $7,804
New Jersey
- Annual cost of living after Social Security: $43,325
- Annual housing cost: $15,854
- Annual utilities cost: $4,240
- Annual groceries cost: $4,965
- Annual healthcare cost: $7,917
New York
- Annual cost of living after Social Security: $48,760
- Annual housing cost: $19,432
- Annual utilities cost: $4,333
- Annual groceries cost: $4,955
- Annual healthcare cost: $7,970
North Carolina
- Annual cost of living after Social Security: $34,537
- Annual housing cost: $10,862
- Annual utilities cost: $4,185
- Annual groceries cost: $4,720
- Annual healthcare cost: $7,917
North Dakota
- Annual cost of living after Social Security: $31,241
- Annual housing cost: $9,611
- Annual utilities cost: $3,533
- Annual groceries cost: $4,533
- Annual healthcare cost: $8,241
Ohio
- Annual cost of living after Social Security: $31,935
- Annual housing cost: $9,821
- Annual utilities cost: $4,312
- Annual groceries cost: $4,754
- Annual healthcare cost: $7,133
Oklahoma
- Annual cost of living after Social Security: $27,541
- Annual housing cost: $8,056
- Annual utilities cost: $4,122
- Annual groceries cost: $4,576
- Annual healthcare cost: $7,178
Oregon
- Annual cost of living after Social Security: $43,556
- Annual housing cost: $15,784
- Annual utilities cost: $3,774
- Annual groceries cost: $5,205
- Annual healthcare cost: $8,475
Pennsylvania
- Annual cost of living after Social Security: $32,860
- Annual housing cost: $10,032
- Annual utilities cost: $4,384
- Annual groceries cost: $4,720
- Annual healthcare cost: $6,665
South Carolina
- Annual cost of living after Social Security: $34,016
- Annual housing cost: $10,605
- Annual utilities cost: $4,710
- Annual groceries cost: $4,778
- Annual healthcare cost: $7,005
South Dakota
- Annual cost of living after Social Security: $31,588
- Annual housing cost: $10,301
- Annual utilities cost: $3,626
- Annual groceries cost: $4,682
- Annual healthcare cost: $7,691
Tennessee
- Annual cost of living after Social Security: $29,796
- Annual housing cost: $9,681
- Annual utilities cost: $3,753
- Annual groceries cost: $4,658
- Annual healthcare cost: $6,802
Texas
- Annual cost of living after Social Security: $31,010
- Annual housing cost: $9,599
- Annual utilities cost: $4,389
- Annual groceries cost: $4,615
- Annual healthcare cost: $7,246
Virginia
- Annual cost of living after Social Security: $36,156
- Annual housing cost: $12,510
- Annual utilities cost: $4,232
- Annual groceries cost: $4,792
- Annual healthcare cost: $7,691
Washington
- Annual cost of living after Social Security: $44,134
- Annual housing cost: $14,872
- Annual utilities cost: $3,867
- Annual groceries cost: $5,195
- Annual healthcare cost: $8,890
West Virginia
- Annual cost of living after Social Security: $26,037
- Annual housing cost: $6,711
- Annual utilities cost: $4,003
- Annual groceries cost: $4,778
- Annual healthcare cost: $7,638
Wisconsin
- Annual cost of living after Social Security: $33,670
- Annual housing cost: $10,640
- Annual utilities cost: $4,147
- Annual groceries cost: $4,711
- Annual healthcare cost: $8,264
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