21 Top and Least Favorable States for Military Retirees

Military Officer Ahturner Shutterstock
image credit: Ahturner/Shutterstock

What factors make a state ideal for those who have served their country? Retirement for military veterans reveals a variety of state policies and local community support.

Each state offers a unique blend of benefits, tax exemptions, and quality of life that can significantly impact a veteran’s post-service years.

This comprehensive guide evaluates the best and worst states for military retirees, uncovering the complexities that define their retiree-friendliness.

Virginia

Mansion of US President and Founding Father Thomas Jefferson on his estate at Monticello Virginia eurobanks Shutterstock
image credit: eurobanks/Shutterstock

Virginia tops our list with its robust support for military retirees. The state boasts numerous VA hospitals and military bases, which facilitate access to healthcare and commissary privileges. Moreover, its rich historical ties to the military attract veterans who feel a deep connection to their service roots.

Florida

Orlando Lake Eola Florida Songquan Deng Shutterstock
image credit: Songquan Deng/Shutterstock

Florida’s lack of state income tax extends to military retirement pay, making it a financially wise choice for veterans. Its warm climate and veteran-friendly communities offer an appealing lifestyle post-service. The state also hosts a significant number of military bases, providing ongoing connections to military culture.

Alaska

Alaska Denali National Park Lukas Bischoff Photograph Shutterstock
image credit: Lukas Bischoff Photograph/Shutterstock

Alaska offers unique financial incentives, including no state income tax and a yearly dividend from oil revenues. The state’s vast landscapes provide a tranquil setting for those seeking peace after a bustling military career. However, the remote location might be a challenge for those accustomed to more urban environments.

South Carolina

Greenville, South Carolina at Falls Park Sean Pavone Shutterstock
image credit: Sean Pavone/Shutterstock

South Carolina prides itself on its military-friendly atmosphere, evidenced by its several military bases and strong community support networks. The state also offers substantial property tax exemptions for veterans. Nonetheless, veterans may find healthcare facilities less accessible compared to higher-ranked states.

Wyoming

Jackson Hole Snake River Overlook in Wyoming with the Grand Tetons aceshot1 Shutterstock
image credit: aceshot1/Shutterstock

With no state income tax and a low cost of living, Wyoming stands out as an affordable option for military retirees. Its natural beauty offers ample outdoor activities, which are perfect for those seeking a peaceful retirement. However, the sparse population can mean fewer social opportunities for veterans.

Alabama

Mobile, Alabama George Dodd III Shutterstock
image credit: George Dodd III/Shutterstock

Alabama provides generous tax breaks on pensions and has one of the lowest costs of living in the country. Its historic military sites and active National Guard offer a strong sense of community for retired servicemen and women. Healthcare access, however, does not meet the standards of some higher-ranked states.

Texas

El Paso Texas Sean Pavone Shutterstock
image credit: Sean Pavone/Shutterstock

Texas exempts military pensions from state income tax and offers a variety of veteran benefits, including property tax exemptions. The state’s large size and numerous military bases create a pervasive military presence and support network. However, the vast geography can mean longer travel times to VA healthcare facilities.

Oklahoma

Tulsa Oklahoma Sean Pavone Shutterstock
image credit: Sean Pavone/Shutterstock

Oklahoma’s low housing costs and tax exemptions on military retirement pay make it an attractive state for veterans. The state has a robust veteran community, bolstered by frequent social events and strong support networks. Veterans might find healthcare facilities less comprehensive than in more densely populated states.

Maine

Maine State House, in Augusta Mihai Andritoiu Shutterstock
image credit: Mihai Andritoiu/Shutterstock

Maine offers substantial tax benefits, including a significant exemption on military pensions. Its picturesque landscapes provide a serene environment for relaxation and rejuvenation after military life. The rural nature of the state, however, might limit access to specialized healthcare services.

Missouri

St. Louis Missouri James Roblee Shutterstock
image credit: James Roblee/Shutterstock

Missouri offers a full exemption from state income tax on military pensions, bolstering its appeal to retirees. The state has a rich history of military engagement, which continues to resonate with many retirees looking for a supportive community. Access to top-tier healthcare varies significantly by location within the state.

Nevada

Interstate 15 Nevada Las Vegas highway Toms Auzins Shutterstock
image credit: Toms Auzins/Shutterstock

Nevada’s lack of state income tax includes military pensions, making it a financially attractive option for retirees. The vibrant veteran communities in cities like Las Vegas and Reno provide ample opportunities for socializing and entertainment. However, the urban focus means rural veterans may feel isolated.

Pennsylvania

Pittsburgh Pennsylvania Sean Pavone Shutterstock
image credit: Sean Pavone/Shutterstock

Pennsylvania boasts rich American military history and several veteran-oriented programs. The state offers a retirement-friendly tax structure, though it’s less generous than some top-ranked states. Its varied climate and urban-rural divide can affect the living experience for veterans.

North Dakota

North Dakota State Capitol Building in Bismarck ND Dennis MacDonald Shutterstock
image credit: Dennis MacDonald/Shutterstock

North Dakota’s low population density ensures a quiet, peaceful setting for retirees. The state offers favorable tax treatment for military retirement pay, adding to its appeal. However, its harsh winters and remote locations can deter those used to more temperate or accessible locales.

Montana

Glacier National Park Montana kan khampanya Shutterstock
image credit: kan khampanya/Shutterstock

Montana’s appeal lies in its stunning natural beauty and absence of state sales tax. It’s an ideal locale for veterans who cherish privacy and outdoor activities. The limited number of VA facilities and long distances between communities can be challenging for some.

New Mexico

Hot Air Balloons over Rio Grande in New Mexico Albuquerque Greg Meland Shutterstock
image credit: Greg Meland/Shutterstock

New Mexico exempts military pensions from state income tax and has a high number of VA health facilities per capita. Its cultural diversity and rich history appeal to retirees seeking a vibrant community. However, the overall quality of life is impacted by higher crime rates in certain areas.

Michigan

Lake Michigan and Downtown Chicago Illinois JaySi Shutterstock
image credit: JaySi/Shutterstock

Michigan’s appeal includes diverse communities and scenic lakeside locations, perfect for those who love the water. The state provides tax exemptions for military pensions, making it financially viable for retirees. Veterans may find the cold winters and variable quality of healthcare challenging.

Kentucky

Louisville Kentucky Sean Pavone Shutterstock
image credit: Sean Pavone/Shutterstock

Kentucky offers no tax on military retirement pay and has a low cost of living. Its central location facilitates access to various regional VA hospitals. However, the state’s rural areas might not offer the same level of healthcare accessibility as urban centers.

Ohio

Cincinnati, Ohio Sean Pavone Shutterstock
image credit: Sean Pavone/Shutterstock

Ohio presents a supportive environment for military families, with several tax exemptions and a strong sense of community. The state’s diverse economy offers various opportunities for veterans looking to enter the civilian workforce. However, inconsistent healthcare quality across the state can be a concern.

Indiana

Indianapolis Indiana downtown Sean Pavone Shutterstock
image credit: Sean Pavone/Shutterstock

Indiana’s central location and lack of tax on military pensions attract many retirees. The state offers a strong community for veterans, including extensive support networks and social organizations. Healthcare accessibility, however, varies widely across the state, affecting retirees’ living conditions.

West Virginia

Charleston, West Virginia Wirestock Creators Shutterstock
image credit: Wirestock Creators/Shutterstock

West Virginia provides a peaceful, low-cost environment with no tax on military pensions. The state’s mountainous terrain offers privacy and solitude, ideal for those seeking a quiet retirement. However, the limited urban infrastructure can restrict access to specialized medical care and social activities.

California

San Francisco skyline and Bay Bridge California IM photo Shutterstock
image credit: IM_photo/Shutterstock

California ranks lowest for military retirees primarily due to its high cost of living and taxes. Despite this, it offers excellent healthcare facilities and a variety of lifestyle choices. Veterans looking to settle here must balance the high expenses against the benefits of living in this vibrant state.

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  151. Today, I went to the beach with my children. I found a sea shell and gave it to my 4 year old daughter and said “You can hear the ocean if you put this to your ear.” She placed the shell to her ear and screamed. There was a hermit crab inside and it pinched her ear. She never wants to go back! LoL I know this is entirely off topic but I had to tell someone!

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  156. Hi! Quick question that’s totally off topic. Do you know how to make your site mobile friendly? My website looks weird when viewing from my iphone4. I’m trying to find a template or plugin that might be able to correct this issue. If you have any suggestions, please share. Cheers!

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