What’s drawing more women to the Midwest for retirement—and why it might be worth your attention too
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When it comes to planning for retirement, women often weigh more than just sunshine and scenery.
Safety, affordability, access to health care, and a strong sense of community all play a role in deciding where to settle down in retirement.
And while some may dream of palm trees or coastal breezes, a new study focusing on women’s retirement needs highlights a surprising top contender—right in the heart of the country—offering valuable insights for anyone planning their next chapter.
A recent report by Manhattan Mental Health Counseling has named Nebraska the No. 1 state for women retirees—and it’s catching more than a few people by surprise.
So what makes this Midwestern state rise to the top?
Let’s take a closer look at what Nebraska (and several of its neighbors) have to offer.
You might not associate Nebraska with retirement right away, but the data says otherwise.
Here’s why it earned the top spot:
1. Affordability that stretches your savings
Nebraska has a cost of living index of 93.1—well below the national average. That means more of your retirement dollars can go toward enjoying life, not just covering the basics.
2. Reliable health care access
With an average hospital rating of 3.75, Nebraska offers dependable medical care. This is especially important for women, who tend to live longer and often manage more health needs as they age.
3. Community you can connect with
Nebraska ranks high for parks per capita and offers many local community centers—ideal for staying active and socially connected.
4. A mild, four-season climate
With an average yearly temperature of 48.8°F, the climate leans moderate, making it easier to enjoy time outdoors without extremes on either end.
Nebraska isn’t alone in offering a great retirement experience. South Dakota and Iowa also ranked high:
According to the report, these are the top-ranked states for women to retire:
Each offers a unique mix of affordability, health care, and lifestyle perks.
Hawaii, while not in the top 10 due to cost, deserves mention for having the longest female life expectancy in the country at 83.1 years.
Retirement planning isn’t one-size-fits-all—and for many women, the stakes are higher.
Statistically, women live longer than men, often outliving their spouses, and are more likely to live alone in later years.
That makes access to health care, community engagement, and safety even more important.
And stretching savings is essential, especially for those with smaller retirement funds.
As you think about your next move—or whether to move at all—consider these questions:
If you’re considering relocating for retirement, here are a few ways to explore your options:
Whether you're planning your own retirement or helping a loved one think through their options, it's worth looking beyond the usual destinations.
With a strong mix of affordability, health care access, and community connection, some of these lesser-known states are proving to be great choices for anyone looking to enjoy their next chapter in comfort and confidence.
Read next: These hidden havens across the US are perfect for your next quiet escape
Have you considered moving for retirement? Are you already living in one of these top-rated states? We’d love to hear your experiences and what mattered most in your decision. Share your thoughts in the comments—your story might help someone else find their perfect place!
Safety, affordability, access to health care, and a strong sense of community all play a role in deciding where to settle down in retirement.
And while some may dream of palm trees or coastal breezes, a new study focusing on women’s retirement needs highlights a surprising top contender—right in the heart of the country—offering valuable insights for anyone planning their next chapter.
A recent report by Manhattan Mental Health Counseling has named Nebraska the No. 1 state for women retirees—and it’s catching more than a few people by surprise.
So what makes this Midwestern state rise to the top?
Let’s take a closer look at what Nebraska (and several of its neighbors) have to offer.
More retirees are seeking places that offer a balance of affordability, community, and quality of life. Image Source: Pexels / RDNE Stock project.
What sets Nebraska apart?
You might not associate Nebraska with retirement right away, but the data says otherwise.
Here’s why it earned the top spot:
1. Affordability that stretches your savings
Nebraska has a cost of living index of 93.1—well below the national average. That means more of your retirement dollars can go toward enjoying life, not just covering the basics.
2. Reliable health care access
With an average hospital rating of 3.75, Nebraska offers dependable medical care. This is especially important for women, who tend to live longer and often manage more health needs as they age.
3. Community you can connect with
Nebraska ranks high for parks per capita and offers many local community centers—ideal for staying active and socially connected.
4. A mild, four-season climate
With an average yearly temperature of 48.8°F, the climate leans moderate, making it easier to enjoy time outdoors without extremes on either end.
Also read: This 81-year-old waitress can barely walk, yet she can't afford to retire—her story is sparking conversations across the nation
Other Midwestern states making the list
Nebraska isn’t alone in offering a great retirement experience. South Dakota and Iowa also ranked high:
- South Dakota: With the nation’s top-rated hospital system (average 4.03), a low cost of living, and nearly 11 community centers per 100,000 residents, it’s a strong choice for those focused on wellness and social support.
- Iowa: This state stands out for one of the highest female life expectancies (80.4 years) and excellent access to parks and local events—ideal for staying healthy and engaged.
Top 10 states for women retirees
According to the report, these are the top-ranked states for women to retire:
- Kansas
- Mississippi
- Florida
- Wisconsin
- North Dakota
- Wyoming
- West Virginia
Each offers a unique mix of affordability, health care, and lifestyle perks.
Hawaii, while not in the top 10 due to cost, deserves mention for having the longest female life expectancy in the country at 83.1 years.
Also read: Retire like royalty–Discover if your state is one of the 15 where you need $1 million!
Why women’s retirement needs may look different
Retirement planning isn’t one-size-fits-all—and for many women, the stakes are higher.
Statistically, women live longer than men, often outliving their spouses, and are more likely to live alone in later years.
That makes access to health care, community engagement, and safety even more important.
And stretching savings is essential, especially for those with smaller retirement funds.
What to consider when choosing your retirement destination
As you think about your next move—or whether to move at all—consider these questions:
- Can I afford to live comfortably here on my retirement income?
- Are doctors, clinics, and hospitals easy to access?
- Is the community active and welcoming?
- What is the climate like throughout the year?
- Is the area safe and easy to navigate?
- Are there opportunities to stay engaged—socially, physically, or creatively?
Also read: The ideal retirement destinations: Could this be your next haven?
Thinking of making a move? Here are some tips
If you’re considering relocating for retirement, here are a few ways to explore your options:
- Visit first – Spend time in the area, visit community centers, and talk to locals.
- Do the math – Compare your current cost of living with that of your potential new home.
- Think about your values – Do you want peace and quiet? Or easy access to classes, culture, and activities?
- Take your time – A well-informed move is often the most satisfying one.
Whether you're planning your own retirement or helping a loved one think through their options, it's worth looking beyond the usual destinations.
With a strong mix of affordability, health care access, and community connection, some of these lesser-known states are proving to be great choices for anyone looking to enjoy their next chapter in comfort and confidence.
Read next: These hidden havens across the US are perfect for your next quiet escape
Have you considered moving for retirement? Are you already living in one of these top-rated states? We’d love to hear your experiences and what mattered most in your decision. Share your thoughts in the comments—your story might help someone else find their perfect place!
