Why are Tennessee, West Virginia, and Georgia called the best states to retire onSocial?

They combine lower-than-average housing and grocery costs with favorable tax treatment of Social Security. Tennessee does not tax income, Georgia exempts benefits and adds a retirement exclusion, and West Virginia has expanded exemptions. Together, these factors help the average $2,071 check reliably cover essentials and some discretionary spending.

Are Social Security benefits taxed in Tennessee, West Virginia, or Georgia?

Tennessee and Georgia do not tax Social Security benefits. West Virginia has recently expanded exemptions that remove or reduce taxes on benefits for many retirees. Your result still depends on filing status and total income, so verify with a current state tax guide or a local CPA.

How should I budget $2,071 per month in these states?

Set guardrails: aim for housing near 30% of income, healthcare and insurance around 15%, food near 14%, utilities and transport about 20% combined, and keep 5% for savings or copays. Price actual rents, premiums, and medications in your target county to confirm the plan works locally.

What hidden costs can upset a low-cost retirement in these states?

Sales taxes on big purchases, winter utilities in colder areas, car repairs and insurance in car-dependent towns, and out-of-network medical bills can surprise budgets. Before moving, call your insurer, map transit or drive times, estimate seasonal bills, and maintain a small emergency cushion each month.

Global Market Insights

February 10: The 3 States Where Social Security Covers Retirement

ByDanny Kontos February 10, 2026

The best states to retire onSocial are Tennessee, West Virginia, and Georgia, based on how far the average $2,071 monthly Social Security check can go. We look at living costs, taxes, insurance, and groceries so retirees can plan with confidence. These states pair modest housing and food prices with friendly tax policies. We explain why they rank well now, how budgets work in real life, and simple steps to test a move before you commit.