If someone offered you 87 cents for a dollar, would you take it? If your answer is no, you might not want to retire in a state like New York or California, where you dollar's spending power is only that much, making them the most expensive states to retire.

Whether you plan to relocate or not, the quality of your retirement is certainly affected by your retirement savings, and how far you can stretch it where you live. Property taxes, sales tax, income tax, and healthcare costs all whittle away at the money you'll have to spend on the pleasures of retirement.

Personal finance site Bankrate crunched the numbers to see which states cost the least and the most. They calculated affordability using scores from the 2019 Cost of Living Index from the Council for Community and Economic Research, included home values from Zillow and also ranked all 50 states for wellness based on information from the Agency for Healthcare Research and Quality. The value of a dollar is from 24/7 Wall St.

Because retirement isn't all about money, we added violent crime statistics from World Atlas, which uses the FBI's data, and average annual temperatures from CurrentResults.com.

These are the cheapest and most expensive states to retire: