13. Nebraska
Nebraska might not be an obvious pick, but it delivers big on affordability. The cost of living is 12% below the national average, and Omaha alone boasts over a million residents. The state’s total population is about 2 million, with 328,000 retirees.
Sales tax is 5.5%, though retirement income and Social Security are taxed. Still, overall tax burdens are light, and the state provides a peaceful, balanced lifestyle with urban and rural options.
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