{"id":250722,"date":"2025-09-24T05:02:15","date_gmt":"2025-09-24T05:02:15","guid":{"rendered":"https:\/\/www.europesays.com\/us\/250722\/"},"modified":"2025-09-24T05:02:15","modified_gmt":"2025-09-24T05:02:15","slug":"the-average-retirement-age-in-your-state-and-how-it-compares-to-your-savings","status":"publish","type":"post","link":"https:\/\/www.europesays.com\/us\/250722\/","title":{"rendered":"The Average Retirement Age in Your State, and How It Compares to Your Savings"},"content":{"rendered":"<p>                    <img src=\"https:\/\/www.europesays.com\/us\/wp-content\/uploads\/2025\/09\/11-older-senior-couple-full-retirement-age-shutterstock_155175464.jpg\" class=\"attachment-full size-full wp-post-image main-post-image\" alt=\"older-senior-couple-full-retirement-age\" decoding=\"async\" fetchpriority=\"high\" \/>                <\/p>\n<p>\n                    \u00a9Shutterstock.com                <\/p>\n<p>Commitment to Our Readers<\/p>\n<p class=\"Font--Poppins Font--Body-l\">GOBankingRates&#8217; editorial team is committed to bringing you unbiased reviews and information. We use data-driven methodologies to evaluate financial products and services &#8211; our reviews and ratings are not influenced by advertisers. You can read more about our <a href=\"https:\/\/www.gobankingrates.com\/about\/editorial-guidelines\/\" rel=\"noopener\" target=\"_blank\">editorial guidelines<\/a> and our products and services <a href=\"https:\/\/www.gobankingrates.com\/about\/review-methodology\/\" rel=\"noopener\" target=\"_blank\">review methodology<\/a>.<\/p>\n<p><img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/cdn.gobankingrates.com\/wp-content\/uploads\/2023\/11\/icon-20.svg?webp=1&amp;quality=75\" alt=\"\" class=\"wp-image-1994546\"\/><\/p>\n<p class=\"Font--Poppins Font--Body-l\"><strong>20 Years<\/strong><br \/>Helping You Live Richer<\/p>\n<p><img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/cdn.gobankingrates.com\/wp-content\/uploads\/2023\/11\/icon-experts-review.svg?webp=1&amp;quality=75\" alt=\"\" class=\"wp-image-1989830\"\/><\/p>\n<p><img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/cdn.gobankingrates.com\/wp-content\/uploads\/2023\/11\/icon__trusted.svg?webp=1&amp;quality=75\" alt=\"\" class=\"wp-image-1994547\"\/><\/p>\n<p class=\"Font--Poppins Font--Body-l\"><strong>Trusted by<\/strong> <br \/>Millions of Readers<\/p>\n<p>Retirement ages vary across the country, but the bigger question is <a href=\"https:\/\/www.gobankingrates.com\/retirement\/planning\/key-signs-youll-run-out-of-retirement-funds-too-early\/\" rel=\"noopener\" data-is-dynamic-hyperlink=\"false\" data-link-type=\"first-link\" data-link-position=\"1\" target=\"_blank\">whether finances can cover the years ahead<\/a>. Some states see workers step away in their early 60s. Others push closer to 65. But that number alone doesn\u2019t show if the timing matches what\u2019s in the bank.<\/p>\n<p>A study by <a href=\"https:\/\/johnstevenson.com\/how-many-years-will-it-take-to-retire-in-your-state\/\" target=\"_blank\" rel=\"noreferrer noopener\">John Stevenson<\/a> helps fill in the gap by calculating how many \u201cyears to retire\u201d it takes in each state. The formula divides a retirement goal by annual savings potential, which is wages minus expenses plus self-reported savings. <\/p>\n<\/p>\n<p>Together with the average retirement age, according to the most recent analysis of U.S. Census Bureau data by <a href=\"https:\/\/www.moneytalksnews.com\/slideshows\/the-average-retirement-age-in-every-state\/\" target=\"_blank\" rel=\"noreferrer noopener\">Money Talks News<\/a>, the numbers reveal which states give residents a better shot at stopping work on time, <a href=\"https:\/\/www.gobankingrates.com\/retirement\/planning\/how-far-750k-plus-social-security-goes-in-retirement-in-every-us-region\/\" rel=\"noopener\" data-is-dynamic-hyperlink=\"false\" data-link-type=\"money-link\" data-link-position=\"2\" target=\"_blank\">and which stretch retirement further into the distance<\/a>.<\/p>\n<p>Alabama<\/p>\n<ul class=\"wp-block-list\">\n<li><strong>Average retirement age:<\/strong> 62<\/li>\n<li><strong>Years to retire:<\/strong> 34<\/li>\n<\/ul>\n<p>Alaska<\/p>\n<ul class=\"wp-block-list\">\n<li><strong>Average retirement age:<\/strong> 61<\/li>\n<li><strong>Years to retire:<\/strong> 56<\/li>\n<\/ul>\n<p>Arizona<\/p>\n<ul class=\"wp-block-list\">\n<li><strong>Average retirement age:<\/strong> 63<\/li>\n<li><strong>Years to retire:<\/strong> 48<\/li>\n<\/ul>\n<p>Arkansas<\/p>\n<ul class=\"wp-block-list\">\n<li><strong>Average retirement age:<\/strong> 62<\/li>\n<li><strong>Years to retire:<\/strong> 38<\/li>\n<\/ul>\n<p>California<\/p>\n<ul class=\"wp-block-list\">\n<li><strong>Average retirement age:<\/strong> 64<\/li>\n<li><strong>Years to retire:<\/strong> 71<\/li>\n<\/ul>\n<p>Colorado<\/p>\n<ul class=\"wp-block-list\">\n<li><strong>Average retirement age:<\/strong> 64<\/li>\n<li><strong>Years to retire:<\/strong> 31<\/li>\n<\/ul>\n<p>Connecticut<\/p>\n<ul class=\"wp-block-list\">\n<li><strong>Average retirement age:<\/strong> 65<\/li>\n<li><strong>Years to retire:<\/strong> 35<\/li>\n<\/ul>\n<p>Delaware<\/p>\n<ul class=\"wp-block-list\">\n<li><strong>Average retirement age:<\/strong> 64<\/li>\n<li><strong>Years to retire:<\/strong> 32<\/li>\n<\/ul>\n<p>Florida<\/p>\n<ul class=\"wp-block-list\">\n<li><strong>Average retirement age:<\/strong> 63<\/li>\n<li><strong>Years to retire:<\/strong> 41<\/li>\n<\/ul>\n<p>Georgia<\/p>\n<ul class=\"wp-block-list\">\n<li><strong>Average retirement age:<\/strong> 62<\/li>\n<li><strong>Years to retire:<\/strong> 27<\/li>\n<\/ul>\n<p>Hawaii<\/p>\n<ul class=\"wp-block-list\">\n<li><strong>Average retirement age:<\/strong> 65<\/li>\n<li><strong>Years to retire:<\/strong> Not able to retire on an average wage<\/li>\n<\/ul>\n<p>Idaho<\/p>\n<ul class=\"wp-block-list\">\n<li><strong>Average retirement age:<\/strong> 63<\/li>\n<li><strong>Years to retire:<\/strong> 47<\/li>\n<\/ul>\n<p>Illinois<\/p>\n<ul class=\"wp-block-list\">\n<li><strong>Average retirement age:<\/strong> 64<\/li>\n<li><strong>Years to retire:<\/strong> 26<\/li>\n<\/ul>\n<p>Indiana<\/p>\n<ul class=\"wp-block-list\">\n<li><strong>Average retirement age:<\/strong> 63<\/li>\n<li><strong>Years to retire:<\/strong> 34<\/li>\n<\/ul>\n<p>Iowa<\/p>\n<ul class=\"wp-block-list\">\n<li><strong>Average retirement age:<\/strong> 65<\/li>\n<li><strong>Years to retire:<\/strong> 33<\/li>\n<\/ul>\n<p>Kansas<\/p>\n<ul class=\"wp-block-list\">\n<li><strong>Average retirement age:<\/strong> 65<\/li>\n<li><strong>Years to retire: <\/strong>29<\/li>\n<\/ul>\n<p>Kentucky<\/p>\n<ul class=\"wp-block-list\">\n<li><strong>Average retirement age:<\/strong> 62<\/li>\n<li><strong>Years to retire:<\/strong> 37<\/li>\n<\/ul>\n<p>Louisiana<\/p>\n<ul class=\"wp-block-list\">\n<li><strong>Average retirement age:<\/strong> 62<\/li>\n<li><strong>Years to retire: <\/strong>41<\/li>\n<\/ul>\n<p>Maine<\/p>\n<ul class=\"wp-block-list\">\n<li><strong>Average retirement age:<\/strong> 64<\/li>\n<li><strong>Years to retire:<\/strong> 54<\/li>\n<\/ul>\n<p>Maryland<\/p>\n<ul class=\"wp-block-list\">\n<li><strong>Average retirement age:<\/strong> 65<\/li>\n<li><strong>Years to retire:<\/strong> 31<\/li>\n<\/ul>\n<p>Massachusetts<\/p>\n<ul class=\"wp-block-list\">\n<li><strong>Average retirement age:<\/strong> 65<\/li>\n<li><strong>Years to retire:<\/strong> 71<\/li>\n<\/ul>\n<p>Michigan<\/p>\n<ul class=\"wp-block-list\">\n<li><strong>Average retirement age:<\/strong> 63<\/li>\n<li><strong>Years to retire:<\/strong> 29<\/li>\n<\/ul>\n<p>Minnesota<\/p>\n<ul class=\"wp-block-list\">\n<li><strong>Average retirement age:<\/strong> 64<\/li>\n<li><strong>Years to retire:<\/strong> 26<\/li>\n<\/ul>\n<p>Mississippi<\/p>\n<ul class=\"wp-block-list\">\n<li><strong>Average retirement age:<\/strong> 62<\/li>\n<li><strong>Years to retire:<\/strong> 44<\/li>\n<\/ul>\n<p>Missouri<\/p>\n<ul class=\"wp-block-list\">\n<li><strong>Average retirement age:<\/strong> 63<\/li>\n<li><strong>Years to retire:<\/strong> 30<\/li>\n<\/ul>\n<p>Montana<\/p>\n<ul class=\"wp-block-list\">\n<li><strong>Average retirement age: <\/strong>63<\/li>\n<li><strong>Years to retire:<\/strong> 46<\/li>\n<\/ul>\n<p>Nebraska<\/p>\n<ul class=\"wp-block-list\">\n<li><strong>Average retirement age:<\/strong> 64<\/li>\n<li><strong>Years to retire:<\/strong> 32<\/li>\n<\/ul>\n<p>Nevada<\/p>\n<ul class=\"wp-block-list\">\n<li><strong>Average retirement age:<\/strong> 63<\/li>\n<li><strong>Years to retire:<\/strong> 47<\/li>\n<\/ul>\n<p>New Hampshire<\/p>\n<ul class=\"wp-block-list\">\n<li><strong>Average retirement age:<\/strong> 65<\/li>\n<li><strong>Years to retire:<\/strong> 43<\/li>\n<\/ul>\n<p>New Jersey<\/p>\n<ul class=\"wp-block-list\">\n<li><strong>Average retirement age:<\/strong> 65<\/li>\n<li><strong>Years to retire: <\/strong>37<\/li>\n<\/ul>\n<p>New Mexico<\/p>\n<ul class=\"wp-block-list\">\n<li><strong>Average retirement age:<\/strong> 63<\/li>\n<li><strong>Years to retire:<\/strong> 34<\/li>\n<\/ul>\n<p>New York<\/p>\n<ul class=\"wp-block-list\">\n<li><strong>Average retirement age:<\/strong> 65<\/li>\n<li><strong>Years to retire:<\/strong> 43<\/li>\n<\/ul>\n<p>North Carolina<\/p>\n<ul class=\"wp-block-list\">\n<li><strong>Average retirement age:<\/strong> 63<\/li>\n<li><strong>Years to retire:<\/strong> 35<\/li>\n<\/ul>\n<p>North Dakota<\/p>\n<ul class=\"wp-block-list\">\n<li><strong>Average retirement age:<\/strong> 64<\/li>\n<li><strong>Years to retire:<\/strong> 32<\/li>\n<\/ul>\n<p>Ohio<\/p>\n<ul class=\"wp-block-list\">\n<li><strong>Average retirement age:<\/strong> 63<\/li>\n<li><strong>Years to retire:<\/strong> 33<\/li>\n<\/ul>\n<p>Oklahoma<\/p>\n<ul class=\"wp-block-list\">\n<li><strong>Average retirement age:<\/strong> 62<\/li>\n<li><strong>Years to retire:<\/strong> 34<\/li>\n<\/ul>\n<p>Oregon<\/p>\n<ul class=\"wp-block-list\">\n<li><strong>Average retirement age:<\/strong> 64<\/li>\n<li><strong>Years to retire:<\/strong> 44<\/li>\n<\/ul>\n<p>Pennsylvania<\/p>\n<ul class=\"wp-block-list\">\n<li><strong>Average retirement age:<\/strong> 64<\/li>\n<li><strong>Years to retire:<\/strong> 32<\/li>\n<\/ul>\n<p>Rhode Island<\/p>\n<ul class=\"wp-block-list\">\n<li><strong>Average retirement age:<\/strong> 64<\/li>\n<li><strong>Years to retire:<\/strong> 41<\/li>\n<\/ul>\n<p>South Carolina<\/p>\n<ul class=\"wp-block-list\">\n<li><strong>Average retirement age:<\/strong> 63<\/li>\n<li><strong>Years to retire:<\/strong> 41<\/li>\n<\/ul>\n<p>South Dakota<\/p>\n<ul class=\"wp-block-list\">\n<li><strong>Average retirement age:<\/strong> 64<\/li>\n<li><strong>Years to retire:<\/strong> 42<\/li>\n<\/ul>\n<p>Tennessee<\/p>\n<ul class=\"wp-block-list\">\n<li><strong>Average retirement age:<\/strong> 62<\/li>\n<li><strong>Years to retire:<\/strong> 32<\/li>\n<\/ul>\n<p>Texas<\/p>\n<ul class=\"wp-block-list\">\n<li><strong>Average retirement age:<\/strong> 65<\/li>\n<li><strong>Years to retire:<\/strong> 29<\/li>\n<\/ul>\n<p>Utah<\/p>\n<ul class=\"wp-block-list\">\n<li><strong>Average retirement age:<\/strong> 64<\/li>\n<li><strong>Years to retire:<\/strong> 45<\/li>\n<\/ul>\n<p>Vermont<\/p>\n<ul class=\"wp-block-list\">\n<li><strong>Average retirement age:<\/strong> 65<\/li>\n<li><strong>Years to retire:<\/strong> 55<\/li>\n<\/ul>\n<p>Virginia<\/p>\n<ul class=\"wp-block-list\">\n<li><strong>Average retirement age:<\/strong> 64<\/li>\n<li><strong>Years to retire:<\/strong> 29<\/li>\n<\/ul>\n<p>Washington<\/p>\n<ul class=\"wp-block-list\">\n<li><strong>Average retirement age:<\/strong> 64<\/li>\n<li><strong>Years to retire:<\/strong> 32<\/li>\n<\/ul>\n<p>West Virginia<\/p>\n<ul class=\"wp-block-list\">\n<li><strong>Average retirement age:<\/strong> 61<\/li>\n<li><strong>Years to retire:<\/strong> 32<\/li>\n<\/ul>\n<p>Wisconsin<\/p>\n<ul class=\"wp-block-list\">\n<li><strong>Average retirement age:<\/strong> 64<\/li>\n<li><strong>Years to retire:<\/strong> 38<\/li>\n<\/ul>\n<p>Wyoming<\/p>\n<ul class=\"wp-block-list\">\n<li><strong>Average retirement age:<\/strong> 63<\/li>\n<li><strong>Years to retire:<\/strong> 34<\/li>\n<\/ul>\n<p>States Where Retirement Is Within Reach<\/p>\n<p><a href=\"https:\/\/www.gobankingrates.com\/retirement\/planning\/savings-needed-to-be-rich-in-americas-most-popular-retirement-destinations\/\" rel=\"noopener\" data-is-dynamic-hyperlink=\"false\" data-link-position=\"3\" data-link-type=\"incontent_link\" target=\"_blank\">Some states show a clear advantage<\/a>, with Illinois and Minnesota both requiring only 26 years of saving, the shortest timelines in the country. Georgia comes in second with 27 years, while Michigan, Kansas, Texas and Virginia all needing 29 years to retire. These shorter timelines suggest that wages, expenses and savings habits are better aligned, making it more <a href=\"https:\/\/www.gobankingrates.com\/retirement\/planning\/financial-habits-break-after-age-50-retire-on-time\/\" rel=\"noopener\" data-is-dynamic-hyperlink=\"false\" data-link-position=\"4\" data-link-type=\"incontent_link\" target=\"_blank\">realistic for workers to retire on time<\/a>, or even a little earlier.<\/p>\n<\/p>\n<p>States Where Retirement Is Out of Reach<\/p>\n<p>On the other end of the scale, California and Massachusetts need a staggering 71 years of saving \u2014 longer than most working lifetimes. Maine and Vermont also stand out, with timelines above 50 years. Hawaii faces the most difficult scenario of all: According to the John Stevenson figures, average wages <a href=\"https:\/\/www.gobankingrates.com\/retirement\/planning\/big-retirement-myth-could-ruin-plans\/\" rel=\"noopener\" data-is-dynamic-hyperlink=\"false\" data-link-position=\"5\" data-link-type=\"incontent_link\" target=\"_blank\">don\u2019t cover people\u2019s retirement needs<\/a> at all.<\/p>\n","protected":false},"excerpt":{"rendered":"\u00a9Shutterstock.com Commitment to Our Readers GOBankingRates&#8217; editorial team is committed to bringing you unbiased reviews and information. We&hellip;\n","protected":false},"author":3,"featured_media":250723,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[15],"tags":[64,8726,255,615,700,67,132,68],"class_list":{"0":"post-250722","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-personal-finance","8":"tag-business","9":"tag-gobankingrates","10":"tag-personal-finance","11":"tag-planning","12":"tag-retirement","13":"tag-united-states","14":"tag-unitedstates","15":"tag-us"},"share_on_mastodon":{"url":"https:\/\/pubeurope.com\/@us\/115257523927900822","error":""},"_links":{"self":[{"href":"https:\/\/www.europesays.com\/us\/wp-json\/wp\/v2\/posts\/250722","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.europesays.com\/us\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.europesays.com\/us\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/us\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/us\/wp-json\/wp\/v2\/comments?post=250722"}],"version-history":[{"count":0,"href":"https:\/\/www.europesays.com\/us\/wp-json\/wp\/v2\/posts\/250722\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/us\/wp-json\/wp\/v2\/media\/250723"}],"wp:attachment":[{"href":"https:\/\/www.europesays.com\/us\/wp-json\/wp\/v2\/media?parent=250722"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.europesays.com\/us\/wp-json\/wp\/v2\/categories?post=250722"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.europesays.com\/us\/wp-json\/wp\/v2\/tags?post=250722"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}