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

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.

• 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

• 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

• 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

• 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

• 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

• 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

• 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

• 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

• 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

• 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

• 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

• 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

• 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

• 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

• 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

• 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

• 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

• 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

• 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

• 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

• 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

• 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

• 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

• 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

• 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

• 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

• 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

• 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

• 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

• 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

• 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

• 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

• 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

• 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

• 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

• 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

• 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

• 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

• 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

• 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

• 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