46. New Jersey
New Jersey has long been a popular choice for retirees, especially those who want to stay near big-city amenities without living directly in New York. It offers easy access to beaches, suburban life, and world-class healthcare facilities.
However, high taxes and steep living costs make it a tough financial choice. With 9.3 million residents and 1.6 million seniors, it’s one of the more densely populated states. The sales tax is 6.625%, but property taxes and healthcare expenses often put extra strain on retirees’ budgets.
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