New Mexico
How much you need to retire: $1,074,169
Housing, groceries and utilities are all cheaper in New Mexico than the national median, with the latter coming in at a cost of just $3,073 a year. The tradeoff is that residents of the state — and the retirees who plan to call it home — generally spend more on transportation than the average American. In total, the cost of living is about $42,967 a year.
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