As millions of Americans reach retirement age, the decision of where to spend their later years is becoming more strategic than ever. In a comprehensive 2025 analysis conducted for Marietta-based law firm Jones & Swanson, states across the U.S. were evaluated based on nursing home costs, healthcare access, cost of living, and support systems for seniors. The findings reveal a surprising mix of affordability and readiness, and spotlight which states are truly committed to aging with dignity.
Florida Remains Popular, but Minnesota and Wisconsin Offer More Substance
Florida continues to attract retirees in large numbers. Its weather, tax advantages, and robust senior communities contribute to its top-tier popularity. However, when it comes to the quality and affordability of long-term care, states like Minnesota and Wisconsin prove more capable.
Minnesota ranked among the highest in healthcare infrastructure, with well-staffed facilities and a consistent investment in elder support programs. Although nursing home costs hover above national averages, the state’s favorable outcomes in care quality and preventive services make it a smart choice for seniors who prioritize wellness and security.
Wisconsin offers a balanced alternative. The state boasts competitive nursing home rates, reliable access to healthcare in rural and urban areas, and a strong track record in senior-centered public programs.
Massachusetts and Rhode Island Lead in Healthcare Access, but at a Cost
For retirees with deeper pockets or extensive insurance coverage, Northeastern states present compelling options. Massachusetts scored highest in hospital rankings and medical specialization, while Rhode Island performed well across preventive care and nursing home staffing standards.
However, these benefits come at a price. Massachusetts now averages $13,000 or more per month for private nursing care. Rhode Island shows similar trends, with urban living expenses and long-term care costs making these locations difficult to sustain without strong financial backing. For older adults who require consistent medical attention, these states offer excellence, but not affordability.
Southern and Southwestern States Face Healthcare Gaps
Mississippi, Arkansas, and Alabama landed at the bottom of the rankings, due to understaffed facilities, aging infrastructure, and limited availability of senior programs. Mississippi especially scored poorly in healthcare outcomes and facility quality, highlighting the regional disparities facing retirees in need of reliable long-term care.
New Mexico, despite its cultural appeal and lower property costs, also fell behind in readiness. High crime rates, low healthcare scores, and inadequate support structures for older adults contributed to its placement at the very bottom. Nevada fared slightly better but still struggled with uneven access outside urban centers and rising nursing home costs.
Middle America Offers Underrated Value and Stability
States like Iowa, Nebraska, and Utah emerged as quiet performers in the study. While not traditional retirement destinations, they offer affordable housing, modest monthly expenses, and community-focused eldercare networks. Iowa’s nursing home rates remain below the national average, and its medical institutions continue to expand senior care access beyond city limits.
Nebraska showed strong potential for retirees who want structured support without high living costs. With a growing emphasis on healthcare investment and rural outreach, the state makes a compelling case for long-term stability. Utah’s performance was bolstered by clean air, low crime, and increasing eldercare infrastructure.
Key Metrics Behind Retirement Readiness
Jones & Swanson’s analysis pulled data from seven distinct categories to create a complete picture:
- Monthly nursing home costs across private and shared rooms
- Access to hospitals, physicians, and eldercare professionals
- Crime rates and safety data in senior-dense communities
- Cost of living indices related to food, transportation, and housing
- Tax burdens, particularly on retirement income
- Weather stability and natural disaster risks
- Quality of life indicators including recreation, social access, and walkability
These metrics were used to rank states and provide transparent insights for seniors seeking both comfort and care.
Choosing a Retirement Destination that Matches Real Needs
While picturesque views and warm winters still draw attention, retirement planning in 2025 is increasingly shaped by practical metrics. Jones & Swanson’s report illustrates how choosing the right state can influence not just finances but also long-term health and happiness. For older Americans considering relocation, the data highlights that wellness, affordability, and safety often matter more than reputation alone.
Smart retirement planning means looking beyond tradition and following the numbers. And for many, that could mean a future shaped less by the shoreline and more by support, security, and access to essential care.
