Indiana
How much you need to retire: $1,011,640
Identical to their Southern counterparts in Alabama, residents of the Midwest state of Indiana also need $40,466 for total living expenses, which means they need a little more than $1.01 million to retire in the state. Also like Alabama, housing in Indiana — which costs just $12,082 per year — is largely responsible for the state’s place among the 10 states where you need the least to retire.
Indiana might be an affordable state, but Indianapolis is one of the cities where the cost of living rose the most in the past year.
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