{"id":761,"date":"2026-05-27T04:08:52","date_gmt":"2026-05-27T04:08:52","guid":{"rendered":"https:\/\/arizonamovinginsider.com\/?p=761"},"modified":"2026-05-27T04:08:52","modified_gmt":"2026-05-27T04:08:52","slug":"retiring-comfortably-in-arizona-how-much-money-youll-need-and-where-to-live","status":"publish","type":"post","link":"https:\/\/arizonamovinginsider.com\/?p=761","title":{"rendered":"Retiring comfortably in Arizona: How much money you’ll need and where to live"},"content":{"rendered":"
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PHOENIX \u2014 A new study breaks down the annual income needed to retire comfortably in Arizona \u2014 and which cities in the state are easiest on retirees’ wallets.<\/p>\n

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Retiring comfortably in Arizona requires at least $68,642 per year on top of Social Security, according to a study by financial site MoneyLion.<\/p>\n

MoneyLion defines a comfortable retirement as spending less than half of your income on necessities \u2014 shelter, groceries, and utilities. The figures represent what retirees would need beyond their Social Security benefits.<\/p>\n

Over a 20-year retirement, that annual figure compounds to $1,373,000.<\/p>\n

For workers planning ahead, the math is straightforward: a 20-year-old needs to set aside about $2,500 per month into a 401(k) or IRA. Wait until 30 to start, and that number jumps to closer to $3,300 per month. The earlier you start, the less it costs you.<\/p>\n

How Arizona compares to other states<\/b><\/p>\n

Hawaii is the most expensive state to retire in \u2014 and it isn’t close. Retirees there need $157,000 per year, more than double what’s needed in Arizona.<\/p>\n

Within the region, Arizona is one of the more affordable options. California retirees need to clear $122,000 per year. Washington comes in at $95,000, while Colorado and Utah both top $80,000.<\/p>\n

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The most affordable states are in the South and Midwest. Mississippi, Louisiana, Arkansas and Oklahoma all require under $40,000 per year. West Virginia is the cheapest state to retire in, and costs increase as you move northeast.<\/p>\n

Where in Arizona retirees fare best<\/b><\/p>\n

Location within Arizona also makes a significant difference.<\/p>\n

Among the five largest Arizona cities where seniors are least cost-burdened, Tempe tops the list, with Casa Grande close behind. In both cities, housing accounts for less than 20% of a senior household’s income.<\/p>\n

Glendale ranks third, followed by Flagstaff and Casa Adobes, just north of Tucson.<\/p>\n

Casa Adobes also has the highest share of seniors on the list, suggesting retirees are already finding it an attractive destination.<\/p>\n

This story was reported on-air by a journalist and has been converted to this platform with the assistance of AI. Our editorial team verifies all reporting on all platforms for fairness and accuracy.<\/i><\/b><\/p>\n

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A new study breaks down the annual income needed to retire comfortably in Arizona \u2014 and which cities in the state are easiest on retirees’ wallets.<\/p>\n","protected":false},"author":1,"featured_media":760,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[8],"tags":[],"class_list":["post-761","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-local-news"],"yoast_head":"\nRetiring comfortably in Arizona: How much money you'll need and where to live - Arizona Moving Insider<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/arizonamovinginsider.com\/?p=761\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Retiring comfortably in Arizona: How much money you'll need and where to live - 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