North Dakota
How much you need to retire: $1,108,784
Montana’s neighbor to the east, North Dakota, offers its residents inexpensive housing and utilities, which cost an average of $14,628 and $3,196 a year, respectively. Although transportation and the cost of groceries are a little pricier than the national median, the state’s average $6,452 annual healthcare bill is ranked higher than any other category, at seventh-highest in the country.
Don’t worry, even if you have a lower salary, you can still save $1 million (or more) for retirement in a state like North Dakota.
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