Where can you retire in financial comfort? Not in these states.

Whether you’ve got a lot or only a little put by for retirement, you might want to have a closer look at how expensive it can be to live in the state in which you plan to retire — and you might even want to change those plans, depending on what you learn.

24/7 Wall St. considered several factors (see article below) to find the states that will take the most out of your budget:

10. Massachusetts.

Estimated annual retirement costs: $46,265 │ Avg. annual earnings for 65+ households: $31,553 (7th highest)

Avg. annual homeownership costs for seniors: $21,192 (6th highest) │ Pct. residents 65+: 16.1 percent (24th highest) (Photos: Shutterstock)

9. Virginia.

Estimated annual retirement costs: $46,758 │ Avg. annual earnings for 65+ households: $34,439 (5th highest)

Avg. annual homeownership costs for seniors: $17,472 (12th highest) │ Pct. residents 65+: 15.0 percent (10th lowest)

8. Maryland.

Estimated annual retirement costs: $47,061 │ Avg. annual earnings for 65+ households: $36,417 (2nd highest)

Avg. annual homeownership costs for seniors: $19,896 (7th highest) │ Pct. residents 65+: 14.9 percent (8th lowest)

7. New Jersey.

Estimated annual retirement costs: $47,760 │ Avg. annual earnings for 65+ households: $28,773 (14th highest)

Avg. annual homeownership costs for seniors: $23,136 (2nd highest) │ Pct. residents 65+: 15.7 percent (22nd lowest)

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6. Connecticut.

Estimated annual retirement costs: $48,532 │ Avg. annual earnings for 65+ households: $30,190 (9th highest)

Avg. annual homeownership costs for seniors: $21,624 (5th highest) │ Pct. residents 65+: 16.8 percent (14th highest)

5. Vermont.

Estimated annual retirement costs: $49,598 │ Avg. annual earnings for 65+ households: $22,041 (7th lowest)

Avg. annual homeownership costs for seniors: $16,692 (16th highest) │ Pct. residents 65+: 18.8 percent (4th highest)

4. California.

Estimated annual retirement costs: $49,640 │ Avg. annual earnings for 65+ households: $34,746 (4th highest)

Avg. annual homeownership costs for seniors: $23,016 (3rd highest) │ Pct. residents 65+: 13.9 percent (6th lowest)

3. New York.

Estimated annual retirement costs: $50,321 │ Avg. annual earnings for 65+ households: $29,018 (13th highest)

Avg. annual homeownership costs for seniors: $21,648 (4th highest) │ Pct. residents 65+: 15.9 percent (25th lowest)

2. Hawaii.

Estimated annual retirement costs: $54,590 │ Avg. annual earnings for 65+ households: $31,603 (6th highest)

Avg. annual homeownership costs for seniors: $24,768 (the highest) │ Pct. residents 65+: 17.8 percent (8th highest)

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1. Alaska.

Estimated annual retirement costs: $56,879 │ Avg. annual earnings for 65+ households: $36,513 (the highest)

Avg. annual homeownership costs for seniors: $19,260 (9th highest) │ Pct. residents 65+: 11.2 percent (2nd lowest)

(Related: These 10 States Are Best for a Financially Comfortable Retirement)

How much are you planning to spend once you retire?

Depending on where you end up once you leave the office behind, you could actually be letting yourself in for considerably more expense than you bargained for. Different states have different rules on everything from taxing Social Security (or not) to taxing personal property (or not), and that’s in addition to sales taxes, the local cost of living, how much you might pay for housing and the soaring cost of health care.

Whether you’ve got a lot or only a little put by for retirement, you might want to have a closer look at how expensive it can be to live in the state in which you plan to retire—and you might even want to change those plans, depending on what you learn.

But of course, there are plenty of other reasons to choose, or abandon, a given state for retirement: family proximity, outdoor or cultural activities, the weather, the crime rate, or the quality (and cost) of health care, particularly if you’re living with a particular health condition that requires regular monitoring.

24/7 Wall St. has done some investigating into what it costs to retire in every state. To do so, it reviewed annual expenses at the state level from the Bureau of Labor Statistics’ 2017 Consumer Expenditure Survey. It also checked on data from the Economic Policy Institute’s Family Budget Calculator for a couple 65 or older with no dependents—that tells how much the income a family needs for a “modest yet adequate standard of living at the metropolitan level.”

Then it reviewed the differences in budgetary needs between Americans overall and the 65-and-older crowd, using the Consumer Expenditure Survey. From all those inputs, it calculated the average annual retirement costs by state.

Check out the slides above showing the 10 states that would put the most strain on your wallet during retirement.

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