Retirees in 2026 are combatting inflation through geographic arbitrage. Indiana leads the nation for affordability, covering 90.9% of expenses for mortgage holders. Delaware offers the best value for debt-free homeowners, where average $2,171 benefits exceed basic costs by 9%. For renters, Alabama and Kansas provide critical relief. Strategic relocation, combined with delaying benefits until age 70, can secure an annual $23,760 income boost, ensuring long-term financial dignity.
