The Average Retirement Age in Every State

cheers to retirement
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Americans may think of age 65 as the target retirement age, but many people stop working before they reach that age.

Money Talks News analyzed data from the U.S. Census Bureau’s latest annual American Community Survey to determine the average retirement age in each state — or, more precisely, the age at which a majority of people in each state stop working.

The average retirement age nationally is 64, and the average retirement age by state is as low as 61, our analysis shows. Only in a few states do a majority of residents work past age 65.

As we note in “8 Reasons Your Parents Had an Easier Retirement Than You Will,” some workers end up having to leave the workforce sooner than they intended:

“Many workers today are counting on working into their late 60s and early 70s. But poor health, a job loss or the need to care for loved ones can force people to retire before then.”

Read on to learn the average retirement age in every state and Washington, D.C.

Age 67

Washington D.C.
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The nation’s capital has the nation’s highest average retirement age, with most residents staying in the workforce until age 67.

Age 66

Older woman with cup of coffee in tropical setting.
CREATISTA / Shutterstock.com

Hawaii might be the ideal retirement destination to many people, and South Dakota was named the best state to retire in by Bankrate last year, as we reported in “This Surprising State Is the Best Place to Retire.” The Aloha State and the Mount Rushmore State, however, are among three states with the second-highest average retirement age in the nation.

Those states are:

  • Hawaii
  • Massachusetts
  • South Dakota

Age 65

retirement party
Ulf Wittrock / Shutterstock.com

The big 6-5 isn’t just the traditional retirement age. It’s also the nation’s most common average retirement age by state, shared by about 15 states.

Those states are:

  • Colorado
  • Connecticut
  • Iowa
  • Kansas
  • Maryland
  • Minnesota
  • Nebraska
  • New Hampshire
  • New Jersey
  • North Dakota
  • Rhode Island
  • Texas
  • Utah
  • Vermont
  • Virginia

Age 64

senior African American woman dancing elder
By Spotmatik Ltd / Shutterstock.com

This is the average retirement age in 11 states — including the one that WalletHub recently rated No. 1 for retirees, as we detail in “This State Tops the List for Retirement Bliss in 2019“:

  • California
  • Florida
  • Idaho
  • Illinois
  • Montana
  • New York
  • Pennsylvania
  • Tennessee
  • Washington
  • Wisconsin
  • Wyoming

Age 63

homeowners
Flashon Studio / Shutterstock.com

This is the third-lowest average retirement age by state, and it’s shared by a dozen states.

They are:

  • Arizona
  • Delaware
  • Georgia
  • Indiana
  • Maine
  • Mississippi
  • Missouri
  • Nevada
  • North Carolina
  • Ohio
  • Oregon
  • South Carolina

Age 62

Senior Couple
pixelheadphoto digitalskillet / Shutterstock.com

The second-lowest average retirement age is shared by:

  • Alabama
  • Arkansas
  • Kentucky
  • Louisiana
  • Michigan
  • New Mexico
  • Oklahoma

Age 61

Eric Fahrner / Shutterstock.com

Two states enjoy the distinction of having the nation’s lowest average retirement age:

  • Alaska
  • West Virginia

As is the case in states like Kentucky and Louisiana — where the average retirement age is 62 — many workers in Alaska and West Virginia are employed in fossil fuel industries, and retire relatively young.

Are you surprised by the average retirement age in your state? Share your thoughts by commenting below or on the Money Talks News Facebook page.

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