23. Massachusetts

• State sales and average local tax: 6.25 percent
• State tax on your Social Security: None
• Effective property tax: 1.44 percent
• Income tax rate (65+): 4.25 percent

Some of you may know Massachusetts as Taxachusetts, but the Baked Bean State is far from being a tax hell. To be worthy of the Taxachusetts title, Massachusetts should have been taxing Social Security benefits, but it doesn’t. Additionally, Massachusetts’ 6.25 percent tax rate is quite reasonable compared to the sales tax rate imposed in most states. Yet, the state’s property tax rates are a nightmare.

22. Pennsylvania

• State sales and average local tax: 6.34 percent
• State tax on your Social Security: None
• Effective property tax: 1.51 percent
• Income tax rate (65+): 3.07 percent

We can rank Pennsylvania for having the 12 lowest income and sales tax rates on this list. And although the state doesn’t tax your Social Security benefits, the problem comes from its property tax rate. Keystone State’s property tax rate is actually the third-highest on the list. Still, it’s a good retirement option than most states.

See also: 25 U.S. Locations With The Highest Amount Of Seniors