FIRE Number by State: Compare Retirement Targets

Retirement costs vary dramatically by state — from $875k in Mississippi to $2.75M in San Francisco, CA. Compare average FIRE targets, state tax rates, and the cheapest/most expensive cities in all 50 US states. See how your home state stacks up for early retirement.

States covered
52
US avg annual cost
$52,526
Range
$38,000 — $88,500

All 50 states ranked by average cost of living

StateCitiesAvg CostAvg FIRE TargetCheapest CityMost ExpensiveTax Rate
Mississippi2$38,000$950,000GulfportGulfport5.0%
wv2$39,000$975,000CharlestonMorgantown5.1%
Oklahoma4$39,500$987,500TulsaNorman4.5%
Alabama4$40,000$1,000,000MontgomeryHuntsville5.0%
sd1$40,000$1,000,000Sioux FallsSioux Falls0%
Ohio6$40,333$1,008,325DaytonCincinnati4.0%
Arkansas2$41,000$1,025,000Little RockFayetteville4.7%
Missouri4$41,000$1,025,000SpringfieldKansas City4.8%
Iowa3$41,333$1,033,325Cedar RapidsIowa City6.0%
Indiana1$42,000$1,050,000IndianapolisIndianapolis3.0%
Nebraska2$42,000$1,050,000LincolnLincoln5.8%
North Dakota2$42,000$1,050,000BismarckBismarck2.7%
Kansas3$42,000$1,050,000TopekaOverland Park5.3%
ky2$43,000$1,075,000LexingtonLouisville4.5%
Michigan4$44,500$1,112,500LansingAnn Arbor4.3%
Georgia7$45,429$1,135,725MaconAlpharetta5.5%
Louisiana2$46,000$1,150,000Baton RougeNew Orleans4.3%
South Carolina4$46,000$1,150,000ColumbiaCharleston7.0%
Wisconsin3$46,000$1,150,000Green BayMadison6.5%
Texas21$46,333$1,158,325BrownsvilleFrisco0%
North Carolina7$46,571$1,164,275Winston-SalemCharlotte4.5%
Idaho2$47,000$1,175,000Idaho FallsBoise5.8%
Montana3$47,333$1,183,325BillingsBozeman5.9%
New Mexico2$48,000$1,200,000AlbuquerqueSanta Fe4.9%
Tennessee5$48,000$1,200,000MemphisFranklin0%
Utah4$48,500$1,212,500OgdenSalt Lake City4.7%
Maine2$49,000$1,225,000BangorPortland7.2%
Pennsylvania4$50,500$1,262,500HarrisburgPhiladelphia3.1%
Arizona9$50,667$1,266,675TucsonScottsdale2.5%
Florida17$50,941$1,273,525LakelandMiami0%
Nevada4$51,500$1,287,500North Las VegasReno0%
de_us1$52,000$1,300,000WilmingtonWilmington6.6%
Oregon5$53,200$1,330,000EugenePortland8.8%
Vermont1$54,000$1,350,000BurlingtonBurlington6.6%
Alaska2$54,000$1,350,000FairbanksAnchorage0%
New Hampshire2$55,000$1,375,000ManchesterConcord0%
New York7$57,429$1,435,725SyracuseWhite Plains6.3%
Colorado6$58,000$1,450,000Colorado SpringsBoulder4.4%
Minnesota1$58,000$1,450,000MinneapolisMinneapolis6.9%
Virginia6$59,000$1,475,000NorfolkArlington5.8%
Rhode Island2$59,000$1,475,000ProvidenceNewport6.0%
Illinois1$62,000$1,550,000ChicagoChicago5.0%
Wyoming2$62,000$1,550,000CheyenneJackson0%
Washington8$62,750$1,568,750SpokaneBellevue0%
Massachusetts4$67,500$1,687,500SpringfieldCambridge5.0%
New Jersey6$68,333$1,708,325Atlantic CityHoboken6.3%
Connecticut4$71,000$1,775,000New HavenGreenwich6.5%
Maryland2$74,000$1,850,000BaltimoreBethesda6.0%
California23$75,217$1,880,425FresnoSan Francisco7.2%
hi2$77,000$1,925,000Kailua-KonaHonolulu7.5%
Washington D.C.1$80,000$2,000,000Washington DCWashington DC8.5%
New York City2$88,500$2,212,500BrooklynNew York City10.2%

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