North Dakota vs. the Nation: How Our State Stands Out for Retirees

Is retirement coming up for you soon? If so, and you happen to live in North Dakota, congratulations—you’re starting from a great spot! According to Kiplinger, the Peace Garden State ranks in the top 10 best states to retire in. Sure, we’re not number one, but we beat out 40 other states, and that counts for something.

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Before we brag too much, here’s a quick, friendly rundown of the states that ranked above (and around) us.

Florida takes the top spot once again, thanks to warm beaches, low taxes, and more golf courses than you can shake a putter at. Just don’t forget about the hurricanes—or the insurance bills that come with them.

Minnesota lands at number two. Yes, their winters are nearly as fierce as ours, but retirees love the lakes, parks, culture, and world-class healthcare. Colorado slides into third with a super-active senior population, clean air, and stunning mountain scenery—though the home prices might make your heart skip a beat.

Wyoming offers big skies, low crime, sunshine, and the kind of quiet that makes your blood pressure drop. South Dakota comes in fifth with low taxes and outdoor beauty, especially around Sioux Falls. Pennsylvania charms retirees with history and forestland, while New Hampshire offers mountain views—along with high snow totals and property taxes.

Delaware ranks eighth thanks to beaches, low taxes, and plenty to do. Wisconsin rounds out the list with lakes, festivals, great healthcare, and winters long enough to test even the sturdiest snow boots.

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And then there’s North Dakota, coming in strong at number nine. Retirees love our low cost of living, steady pace, clean communities, and easy access to healthcare in cities like Fargo, Bismarck, and Grand Forks. More than 16% of our population is 65+, meaning you’ll have no trouble finding people to grab coffee with—or someone who understands why you still prefer paper statements over online banking.

The average home value in Fargo, and even Williston, is around $315,000, well below the national average. Yes, retirement income is taxable here, but everyday living is generally much more affordable.