New Jersey is one of the worst states to retire in, according to a new 2025 survey from Retirement Living.

The Garden State ranked fourth from the bottom, behind Hawaii, New York, and Massachusetts.

The report looked at affordability, healthcare, quality of life, weather, and crime. New Jersey scored poorly in healthcare and quality of life, despite being relatively affordable.

Retirees in New Jersey need about $964,000 in savings to live comfortably. The state has the highest property tax rate in the country at 2.23%, along with a steep 10.75% state income tax rate.

While New Jersey offers strong healthcare access and a decent walkability score, the report says those benefits may not outweigh the high cost of living for many retirees.

Wyoming, West Virginia, and Florida are rated the best states to retire in.