Anoceanside condo in Daytona Beach, Florida, is going to cost you.

Many Americans nearing retirement and thinking about where theywant to live focus on such things as cost of living, health careservices and weather. A new study suggests they would be wise tolook at other factors as well, as the most popular states forretirement may not be the best ones to meet their needs.

GOBankingRatesanalyzed the top 10 states where retirees relocate, according to aUnitedVanLines survey, and compared them with the other 40 statesbased on 11 factors to see how they stacked up.

These are the most popular states to retire: Arizona, Florida,Idaho, Maine, Montana, Nevada, New Mexico, South Carolina, Vermontand Wyoming.

It may come as a surprise that some of these states — Floridaand South Carolina, for example — are not that affordable forretirees seeking a cheaper cost of living. Only Wyoming can countitself among the 10 least expensive states in the U.S.

“There are two distinct concepts related to the cost of livingin retirement: How much money can you generate to fundyour retirement, and how much money will you need to fundyour retirement?” Greg Klingler, a certified financial planner and charteredfederal benefits consultant at GEBA Wealth Management, said in astatement.

“Because the latter is directly attributed to the costof living in your chosen retirementdestination, where you plan to retire is one of thefirst and most important questions we, from afinancial planning perspective, ask to get an accuraterepresentation of your future budget.”

Costs and amenities can vary greatly between states, and acomfortable retirement involves more than just adding up the costof housing and food.

Only four of the top 10 retiree destinations — Arizona, Idaho,New Mexico and Wyoming — rose above the median on GOBankingRates'list in terms of costs for a comfortable retirement.

The best bargains were to be found in Wyoming and New Mexico,which ranked in the top 15 for lowest cost of living among U.S.states. No-go states were Vermont, Maine and Nevada, which fell inthe bottom 15.

Health care

Retirees require more health care, and may eventually need todecide whether to age in place, move to an assisted living facilityor enter a nursing home.

The analysis showed that those who will want quality care athome should avoid relocating to Vermont — which, at $5,148a month, ranks No. 46 out of the 50 states for the cost ofa home health aide — and Maine, which ranks in the bottom 10 with amonthly cost of $4,957.

Instead, they should look to New Mexico and South Carolina,which are the most affordable states in the top 10 when it comes tohome health care, at an average monthly cost of $3,813 in eachstate.

Nursing home care costs in retirement can add up quickly. Theaverage monthly cost of a semiprivate room in a nursing home is$7,441, according to Genworth's 2018 cost-of-care survey.

Of the 10 states retirees flock to the most, half have steepercosts than the national median for a semiprivate room in a nursinghome:

• Idaho, No. 26 nationwide with an average monthly cost of$7,574
• Florida, No. 28 at $8,152 per month
• Nevada, No. 29 at $8,228 per month
• Maine, No. 38 at $9,429 per month
• Vermont, No. 39 at $9,475 per month

The least expensive state for a semiprivate room onGOBankingRates' list is South Carolina, which ranks No. 13 in thecountry with a monthly cost of $6,418. Arizona follows at No. 14,with a cost of $6,494 per month; Montana at No. 21, costing $7,006per month; Wyoming at No. 23, with a monthly average cost of$7,178; and New Mexico at No. 24 nationwide at $7,285 permonth.

Quality of life

Quality of life can be hard to measure, as the term often meansdifferent things to different people. “It's worth noting that noteverything has a price tag, and though you can't assign a financialvalue to things like living near your grandkids or a body of water,they may carry a great deal of weight, making it clear that allretirement decisions are extremely contextual,” Klingler said.

For GOBankingRates' list, quality-of-life factors included thepercentage of the population 65 and older, the average temperature,and violent and property crime rates in the top 10 states forretirees.

Florida has the highest percentage of residents 65 and older at19.36%, as well as the warmest average temperature at 71.8 degreesFahrenheit. However, the state ranks in the bottom half of thecountry for safety, with its property and violent and crime ratesfalling in the No. 28 and No. 31 spots.

Maine and Vermont have the second- and third-highest percentagesof residents ages 65 and older, at 18.80% and 17.54%. They are alsovery safe in general, with Vermont ranking second best in terms ofviolent and property crime rates, and Maine ranking No. 1 for lowviolent crime rates and No. 4 for low property crime rates.

In contrast, choose to retire at your own risk in Arizona, SouthCarolina or New Mexico, all of which rank among the 10 worst statesfor safety. New Mexico is dead last for property crime and secondworst for violent crime.

In reality, GOBankingRates found that the 10 most popular statesfor retirement may not be the best choices. Besides Wyoming, justthree states fall in the top 25 in terms of cheaper costs for acomfortable retirement.

So, where are the actual 10 best places to retire?GoBankingRates' analysis showed that these states were mostretirement friendly by cost: Alabama, Arkansas, Indiana, Kansas,Michigan, Mississippi, Missouri, Oklahoma, Tennessee andWyoming.

In these states, the cost for a comfortable retirement rangedbetween $53,000 and $56,000 a year, and the monthly cost of asemiprivate room in a nursing home ranged from a high of $8,562 toa low of $4,639.

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