Retirement Savings Vary State-by-State
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Median retirement savingsSmartAsset
•Business
Business & Economics
Where Americans Have the Most Retirement Savings – 2025 Study

79% Informative
Across the United States , the average retirement savings per household is estimated to be $ 114,435 .
This figure varies significantly by state, ranging from less than half to double that amount.
Hawaii has the highest retirement savings balance nationwide at $ 228,870 .
Less than half of households have retirement savings in six southern states.
Hawaii has the fastest rate on the size of retirement savings compared to median household income.
New Jersey has the lowest rate of savings per dollar of median annual income: $ 196,828 .
The top 10 states for retirement savings are ranked based on size of the household's retirement savings.
Retirement savings per dollar of median annual income: $2.78 - Retirement savings: $195,302 - $228,870 - $ 95,322 - Median net worth: $ 721,093 - Hawaii .
New Jersey : $196,828 - $1.97 - Median household income $ 99,781 .
Massachusetts : $ 218,189 - Median home income $ 100,858 - Median house income $ 70,333 .
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