New York was ranked as the least affordable state to retire in the United States — while California didn’t even make the top 10.

Report by WalletHub compared all 50 states using three key metrics: affordability, quality of life, and health care.

State-specific affordability was calculated using data from a number of sources, including the US Census Bureau and the Social and Economic Research Council.

New York State ranks 10th for quality of life and 16th for health care, but last (50th) for affordability due to the state’s second-highest adjusted cost of living and third-highest tax base after Alaska rate in the country.

The report goes on to say that even a person with $1 million in retirement will only be able to cover living expenses for about 14 years — far less than the 25 years or so that a retirement can typically last.

Other northern states, including Maryland (46th) and Illinois (42nd), were at the bottom of the affordability table. Pictured above is the Chicago River and Trump Tower

Across the Hudson from New York, New Jersey is the second least affordable state for retirement.

California ranked 32nd in terms of affordability, but ranked 10th when it came to healthcare, the state is home to some of the best hospitals in the country.

A number of New England states, including Vermont, Massachusetts, Connecticut and Maine, rounded out the bottom 10 least affordable places to live.

The Green Mountain state of Vermont ranked 48th, followed by Massachusetts at 47th, although the Bay State ranked first for quality of life. Connecticut and Maine ranked 44th and 43rd for affordability. However, Maine ranked 6th for quality of life.

Other northern states, including Maryland, 46th, and Illinois, 42nd, were at the bottom of the affordability table.

The reliably Democratic northwestern states of Washington and Oregon ranked 45th and 41st.

At the other end of the chart, Alabama ranked first for affordability, followed by Tennessee and West Virginia in second and third, respectively.

South Carolina, Delaware, Wyoming and Georgia are next, with Wyoming also scoring highly for quality of life, where the state ranked 9th.

Florida and Mississippi ranked ninth and tenth. Florida also ranked fourth in the nation for quality of life.

Massachusetts ranked fourth from the bottom with 47, although the Bay State ranked first for quality of life. Above, a view from one of the units in a new luxury apartment building in Boston

A number of New England states, including Vermont, Massachusetts, Connecticut and Maine, rounded out the bottom 10 least affordable places to live. Pictured is the Riverside Yacht Club in Greenwich, Connecticut

Downtown high-rise apartments near the marina glisten in the early morning waters of the Willamette River in Portland, Oregon. Portland has embraced its national reputation as a city populated by quirky, independent people

Green Mountain, Vermont, ranked 48th, followed by Massachusetts at 47th. Pictured in Burlington, Vermont, Church Street downtown with restaurants and tourists outside

Concerns about retirement finances have risen this year as Americans expect to need to significantly increase their retirement savings.

According to a recent survey published by Northwestern Mutual.

But at the same time, the average American’s retirement balance fell 11 percent to $86,869 from $98,800 last year.

The expected retirement age rose to 64, up from 62.6 last year, suggesting Americans believe they will have to work longer to save enough money for retirement.

Average retirement balance for the average American fell 11% to $86,869 from $98,800 last year

On average, American adults expect to need $1.25 million to retire, up 20% from a year ago but more than double

“This is a period of uncertainty for many people, mainly caused by rising inflation and volatility in the markets,” said Christian Mitchell, executive vice president and chief customer officer at Northwestern Mutual.

“We also saw an increase in spending compared to last year, not only as a result of inflation, but also because people have regained a sense of normalcy in their lives after the early days of the pandemic,” he added.

“These factors are causing many people to rethink their view of how much they will need to retire and how long it will take them to get there.”