These Are the Best and Worst States for Retirement

If you've been dreaming of retiring on a beach, you may want to trade in your surfboard and think about taking up horseback riding instead.

That's because Wyoming, for the second year in a row, was named the best state in which to retire, according to an annual survey from Bankrate.com. Western neighbors South Dakota, Colorado, and Utah ranked second, third, and fourth, respectively.

Bankrate calculates its ranking based on six factors: cost of living, taxes, health care, weather, crime, and residents’ overall well-being. The top-ranked states score high on well-being and also offer a modest cost of living (a boon for retirees on fixed incomes) and below-average crime rates, according to the report.

Wyoming's best feature was its low tax burden, ranking third in the nation, while health care was its worst, landing it in 32nd place. New Hampshire, the state with the highest ranked health care services, was ranked as the 15th best place overall to enjoy life after work.

Read More: Money's Best Places to Retire

The worst state in which to retire? New York, owing to its expensive cost of living and high taxes. West Virginia, Oregon, Arkansas, and Louisiana rounded out the bottom five.

"While features like pleasant weather and nearby amenities are important, nuts-and-bolts considerations like cost of living and the local tax burden may have a bigger impact on your overall quality of life," said Bankrate senior analyst Claes Bell.

The survey results might disappoint for those thinking about tropical retirement locales like Florida and Hawaii: Those states ranked 28th and 45th, respectively. Florida suffered from its high crime rate and subpar health care; and as appealing as an island retirement might sound, Hawaii was dragged down by the highest cost of living in the country.

Coastal living in general apparently doesn't coincide with a smart retirement destination. Only one state in the top 10 (Virginia, ranked fifth) touches an ocean, and nine of the 12 worst states to retire lay adjacent to the coast.

Here's the full 50-state ranking.